BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company is in violation of my rights of And has failed to provide details of their reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Ditech Financial LLC
State: RI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX XXXX .I have been a loyal payer of my mortgage for the last nine years.I have requested help for the last six years and they did nothing cause I always paid them.XX/XX/2015 I told them I will no longer pay them until they do something to help, now they are foreclosing on me.I had perfect credit, they have ruined it.They now are telling me I only qualify for a short sale or deed in lieu.Why are they allowed to do this? ( XXXX ) XXXX, please help me, interest rate isXXXX.XXXX, other mort rate isXXXX.XXXX both are interest only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls for years from several debt collectors for my husband 's son 's debts. We owe nothing. My husband and his son have the same name. I have told them to stop calling and gave them son 's phone # but they call several times a day some with different phone # 's ... ca n't answer my phone anymore. 
Last number XXXX. PLEASE HELP! Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2013 a debt was paid to an attorney 's office. I received notices from XXXX 3rd party collection agencies ( ditech and green tree servicing ) attempting to collect this paid debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: FISERV INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a Debit card for the " first time '' from Money Network Cardholder Services on XX/XX/2020 with only a {$16.00} credit balance instead of the {$2400.00} stimulus money that was issued to me by the Federal Government. 

I contacted Money Network Cardholder Services ( Card issued by XXXX ) to complain that I only was provided with {$16.00} instead of {$2400.00}. I received a break down from Money Network Cardholder Services showing usage on an account between XX/XX/2020 and XX/XX/2020. I did not have a debit card in my possession during the month of XX/XX/2020. The first time I received a debit card was on XX/XX/2020. None of the debits made in XX/XX/2020 were debits made by me. I am not sure if XXXX has provided me with a breakdown for someone else 's card or if a card was sent to me prior to XX/XX/2020 and the charges made in XX/XX/2020 are unauthorized/fraudulent transactions. 

My complaint/dispute has been ignored. It will be almost one ( 1 ) year and I have still not been provided with the {$2400.00} in stimulus money allocated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought a XXXX and set up escrow for taxes, insurance..etc, the first payment to the tax authority was late. I called them and they said they would pay it out of escrow and they 'd pay the penalty of XXXX themselves. They ended up paying both the property tax and penalty out of my escrow even though the delay in payment was their fault.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is ridiculous! I can not move on in my life and apply any financial planning!! Could you please help me and remove fraud account from my credit report? THIS ACOUNT IS ABSLUTELY NOT MINE! It just appeared this month from nowhere ... .Its a fraud, identity theft I have no idea hat is that but I do not want to see it in my credit report! REMOVE IT ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is ridiculous! I can not move on in my life and apply any financial planning!! Could you please help me and remove fraud account from my credit report? THIS ACOUNT IS ABSLUTELY NOT MINE! It just appeared this month from nowhere ... .Its a fraud, identity theft I have no idea hat is that but I do not want to see it in my credit report! REMOVE IT ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Big Picture Loans, LLC
State: SC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
charged an unbelievable interst rate that i wasnt aware of ... borrowed XXXX and i have to pay XXXX back ... when i thought i had to pay XXXX that was stated before i finalized the loan ... did know about the XXXX until the loan was finalized ... big picture loans apart of tribal loan company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a XXXX charge off on my Trans Union bureau. Old, and disputed with all 3 agencies years ago when it first appeared. 5hey removed TU didnt. Found out when I applied for a mortgage. Went on their website to dispute, saw some incorrect demographic information on me, updated what was wrong- which locked me out from disputing the XXXX charge off. Tried to go back in a few days later and TU website doesnt recognize me and caught in an endless loop where I give my ssn and name and it just resets.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The seller from PayPal shipped my item to the wrong address so I was supposed to be covered for that by PayPal 's buyer protection program but they sided with the scammer ( CASE ID : XXXX ). I checked the tracking information with XXXX and they informed me that the name and address on the package was completely different. But PayPal still sided with the scammer. PayPal misadvertised their buyer protection program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-08
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX of XXXX, my wife and I purchased our XXXX home. During that process, we solicited quotes for homeowners insurance from many companies, including XXXX XXXX. In the end, XXXX XXXX was not selected and we never signed any documents with them. Fast forward to XXXX of XXXX and I receive a notice of a debt owed to XXXX XXXX. I sent the debt collector a letter dated XXXX XXXX, XXXX stating the above. Despite giving them my phone number an email address in this letter, I never heard back from them and I though we were finished. Yesterday, XXXX XXXX, XXXX, I received a notice of the same debt! After being notified in XXXX of XXXX that there was no debt and in fact no contract with the company, the collected has once again contacted me to pay, in violation of the Fair Debt Collection Practices Act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Credit Counsel, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The collection on the credit report has not been erased. This debt was paid since XX/XX/2019, and should have never appeared on the credit report as a collection to start with since it was paid. 
I told them I want the mistake removed from the credit report ASAP and provided proof of payment. The company verified that payment was received. 
I told them I need a letter that states that they received payment and it will be removed from my account. they never replied to me. I am in the process of getting a loan and this is slowing it down. they said they would delete it and they have not and are violating the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: NCC Business Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
When Collection agency first contacted me, I was only told that if I did not pay the debt off, my name would be reported to all XXXX credit bureaus. I was not told I had the right to verify the debt and that by disputing it, I would not have to pay anything until the issue was resolved. I agreed to pay XX/XX/XXXX, but only found out by mail a week later that I could have disputed the debt until I received verification. I then wrote to the Collection agency as did an attorney on my behalf asking them to cease further collection until the dispute was resolved. They still automatically withdrew money from my checking account this month, putting me in a very awkward position financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a complaint on XX/XX/XXXX about what I owe. Green tree responded and requested 60 days to respond. I called before my XXXX payment was due and asked if I am supposed to make payments while it is being investigated and the representative told me I am. I need clarification on this because according to the FTC and CFPB, Green tree is supposed to hault collecting payments until I have received a completed response. If that is so, why have my automatic payments still been drafted since complaining on XX/XX/XXXX? As, well, told by a Green tree rep that I still have to pay. Please let me know an answer and if my payments are supposed to be stopped because of that order, what does this mean in regards to my account and not being foreclosed if payments are n't received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The collection on the credit report has not been erased. This debt was paid since XX/XX/2019, and should have never appeared on the credit report as a collection to start with since it was paid. 
I told them I want the mistake removed from the credit report ASAP and provided proof of payment. The company verified that payment was received. 
I told them I need a letter that states that they received payment and it will be removed from my account. they never replied to me. I am in the process of getting a loan and this is slowing it down. they said they would delete it and they have not and are violating the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
TD Bank levied my business bank account domiciled in the State XXXX, due to a XXXX subpoena and personal judgment received that directed them to restrict XXXX domiciled accounts only. When I told the bank that they levied my account in error, they responded that their customer agreement allows them to levy accounts outside the scope of the XXXX subpoena, yet could not show me any agreement language in support of that claim. They have frozen almost {$7000.00} in funds without any authority under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25
Company: Nationwide Funding Group Corp.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We are in a purchase and the loan documents have been delayed several times to ineptitude by the loan office and his staff. We were told the loan docs were in and that the buyer had signed them but they wo n't provide the documents to the escrow officer or anyone else. The loan officer says they can not be released because the documents are post dated to XX/XX/2015. I have never heard of documents being post dated. The loan officer is blaming the lender and telling us the documents are post dated because there was 1/8 of a percent drop in the rate. This whole thing sounds fishy to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: ECMC GROUP, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
COLLECTOR FAILED TO VALIDATE DEBT. ALSO WENT ON MY CREDIT REPORTS AND XXXX, AND CALL US 11 TIMES REGRDING TAX BILL PAID ALREADY.. 

THE COLLECTORS VIOLATED THE DODD-FRANK ACT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Ditech Financial LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I sent a wire on XXXX XXXX, 2015 to Green Tree Serving LLC, in the amount of {$530.00}, to payoff balance. My XXXX payment of {$150.00} was debited from the account on XXXX XXXX, 2015. I received a reimbursement dated XXXX XXXX, 2015 and I deposited the check into my saving account, on XXXX XXXX, 2015. They placed a stop payment on the check XXXX XXXX, 2015. I have been calling for almost a year to get my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a couple files along with incorrect names and address that are reporting on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX there is no amount that show. however it does not or ever belong to me, and reference to my affidavit the was signed and notarized and sent to the company for Validation of debt along with he affidavit. Which was not answering in proper form, and not answered to at all. would demand for deletion and removal for fraudulent reporting along with not properly notifying my request for Method of Verification Request from the CRA. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$330.00} this is a Fraudulent reporting account that need to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern : I believe my rights as a consumer are being violated by XXXX. Specifically, I am trying to purchase my first home. During the mortgage application process, while applying for a home mortgage, I learned that there was a delinquent item from XXXX reported on my credit report. This delinquent item is severely impacting my ability to secure a home mortgage. In addition, even if I am approved for a home mortgage, I will be paying a higher annual percentage rate ( APR ) for my mortgage due to inaccurate reporting by XXXX. My credit profile and my credit scores are being negatively affected and as a result of the erroneous reporting. As such, I demand that XXXX remove this erroneous reporting immediately. 

As a consumer, I take great pride in my credit and realize that the cost of credit is partially based on my credit history and my credit score. I am praying that Consumer Financial Protection Bureau ( CFPB ) take immediate action to cure the injustice to my credit report. 

Please note that I was a longtime customer of XXXX for many years. In XXXX  I moved from my apartment and into a new residence. Upon moving I completed an address change with the United States Postal Service to ensure my personal mail was forwarded to my new address. 

Further, when I moved, I canceled my XXXX plan and moved my cellular phone service to XXXX XXXX XXXX. I received a final bill from XXXX and paid it accordingly. After moving, I had no subsequent communication of any kind from XXXX. Then, approximately 90 days after moving and being on the XXXX XXXX XXXX plan, I received a call from the collection department at XXXX. I was told that I was liable for an early termination fee of approximately {$200.00}. It should be noted that I was not aware of the fee, nor did I ever receive any billing of any kind whatsoever. At the time, I didnt want to fight with XXXX so I paid it. 

However, prior to paying the alleged amount due, I specifically asked XXXX if anything was going to detrimentally affect my credit. XXXX assured me that there would be no reporting of any derogatory items to any of the 3 credit bureaus ( Experian, XXXX, XXXX ). As such, I paid the amount they claimed I owed them. I assumed that the amount was paid in full and the account closed and no derogatory reporting on my credit report. 

Thank you in advance for your review into this matter. I sincerely appreciate your help in resolving this matter. Please do not hesitate to reach me should you have any questions or require any additional information. 

Very truly yours, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation