BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-23
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DiTech XXXX # XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX  insurance was dropped on a property that I own that lowered my monthly minimum payment to {$460.00}. 

Problem : After XXXX written inquiries and XXXX distinct phone calls, DiTech has failed to correct on time payments to my account. Starting in XXXX XXXX, overpayments made to my account has not been properly applied to the Principal Balance after several requests to do so. 

As document C1 indicates, payments to DiTech are sent on a consistent monthly rhythm via auto Bill Pay thru my personal checking account ( XXXX ) in the amount of {$600.00} since XXXX XXXX. 

Approximately {$600.00} was sent on XXXX XXXX, XXXX ( see document C1 ), in which an overpayment of {$130.00} was to be applied to the Principle amount as previously requested. 

XXXX - overpayment appears to have been applied correctly - no problem XXXX - overpayment was not applied but placed in " Fund in Suspense '' account ( see B1 ). Additionally, my DiTech XXXX ( see D1 ) account shows that my overpayment was classified as a Late Fees. However, my payment was sent and processed by DiTech prior to the XXXX of the month in which late fees are applied per the Terms and Conditions. Both my record from XXXX and DiTech XXXX both indicate that my payment was received and processed prior to the XXXX. Furthermore, if I was late, why would my late fee be EXACTLY the same amount as my OVERPAYMENT. 

XXXX - DiTech appears to correct misapplied overpayment from XXXX by applying it to XXXX Principle, however, they did not apply it to XXXX ( Retro ) as requested. Finally, DiTech DID NO applied the XXXX OVERPAYMENT to the Principle Balance which was received on XXXX XXXX. 


In conclusion, DiTech failure to accurately process on-time payments result in my account occurring undue interest expense due to overage not being applied timely and correctly. Furthermore, it appears that I have to call annually to request that all overpayments be applied to the Principal Balance of the loan. 


Please, retro applied my XXXX overpayment to XXXX and likewise for XXXX. Any further inaccuracies after my initial request will result and legal actions. 

Thanks, XXXX XXXX XXXX # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Numerous attempts to send documents to the company. They lose the documents each time and say to send them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 Report Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A Section 2 : it states a consumer reporting agency cannon furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A. states i have the right to privacy also with further research per. IRS, I learned when a cancelation of debt is {$600.00} or more a 1099-c must be filed therefore this account should no longer be listed as a charge off ; it is however income and income isn't apart of consumer report.

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 2017-10-23
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:
SOME UNKNOWN PEOPLE OPENED UP ACCOUNTS IN MY NAME WITH THE COMPANIES ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) WITHOUT CONSENT. I HAVE ATTACHED A COPY OF MY POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Riverwalk Financial Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX claimed that I received a package that was mailed to the wrong address. I informed them that I did not receive the merchandise and I did not live at the incorrect address. They stated that they would mail me a dispute form. I never received the dispute form and I attempted to get it sent to me again. It did not come to me. I have been disputing this charge for at least 3 years. I can provide my address to the reporting agency to show I did not live at the address mentioned. They can investigate if I knew those people at that address if they choose and they will find me innocent. This has caused me grief and hurt my credit for years. All I wanted was my charges to be removed for STOLEN merchandise. I now want all {$640.00} in charges and history removed from my credit report now. Deville Asset Management, can you show me a signed slip that I received the merchandise, if you do, I bet it does n't match any of my signature types. This is completely unfair and embarrassing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-07-17
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
1. After filing my taxes for XXXX and XXXX ; my tax professional informed me that my mortgage company paid my property taxes twice in both years to the City of XXXX, GA. 

2.I also paid an additional $ 60 monthly and was expecting at least $ XXXXx12mnts= {$720.00} back in return. I received approximately {$120.00}.

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 2017-07-01
Company: EQUIFAX, INC.
State: MA
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:
To whom make concern : XXXX XXXX XXXX XXXX XXXX XXXX that it had been my only checking and savings for 19 years and it was originally entitled XXXX XXXX XXXX XXXX charaged me inapproply for a {$45.00} after I closed my account and failed to inform me that I owe anything. The president XXXX XXXX immediately sent the matter conserving a {$45.00} to a collection ageny and significantly affected my credit score in a negative way. <P/>I received no correspondence from the bank or any collection agency. I learned about it when I opened a checking account with XXXX XXXX in XXXX Massachusetts. XXXX XXXX  officials notified me that the collection had been placed into collection XX/XX/XXXX and I did not learn about it until I open another account in XX/XX/XXXX. <P/>During the 19 years as a credit member at XXXX XXXX XXXX I purchased four vehicles ( two motorcycles and two foor door vehicles and paid off all of my loans impeccably.
<P/>XXXX XXXX 's decision with spiteful, unprofessional, intentional and damaging to my credit. That is unacceptable coming from a credit union, so I making this complaint to the federal trade commission as well as the commission of credit card companies against XXXX XXXX only took over as the president of the credit union three years ago. ( XX/XX/XXXX ) He is a cold, unprofessional who treats cumstomers poorly. I have also sent a copy of my complaint every member of the XXXX XX/XX/XXXX 's board of directors and received no response. <P/>My objection it is they treat a very small credit union that is set up for municipal employees and teachers like it 's a gigantic corporation and we are just a number. That was never true before XXXX XXXX was assigned to the presidency by the board of directors. <P/>I would like the matter to be rectified, investigated in my credit restored by the credit union contacting the Frederal Trade Commission directly and the three major comsumer credit agencies to remove that false statement. <P/>XXXX XXXX 's unethical behavior and unfair treatment to a member of 19 years illustrates the fact that he does not belong leading a credit union, rather he is more suited to be a debt collector or an insignificant staff member in a large financial institution, because he lacks the communication skills or professionalism to represent a credit union that serves the needs of firefighters, teachers, and the police department and XXXX and other XXXX XX/XX/XXXX. <P/>Thank you for teaching out to me in order to help me in this situation which is unfair and unethical on the part of XXXX XXXX and XXXX XXXX XXXX XXXX newly named to the XXXX XXXX XXXX XXXX, I would never have believed that a credit union would deliberately impact a 19 year member 's credit negatively. <P/>Sincerely, XXXX XXXX XXXX Former Account Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I enrolled in the " Bank, Budget & Earn Up To {$500.00} On Top Of 2.02 % APY Promotion '' above and believe I should have received my bonus by XX/XX/XXXX in both accounts but have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: LA
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$77.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$580.00} ; XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} ; XXXX XXXX XXXX ( Original creditor : APP XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX, LA XXXX ; XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX ; XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-02
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to XXXX, Equifax and XXXX  Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



XXXX Equifax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inaccurate late payments are showing on credit report. Loans were in the process of deferment and multiple late payments were reported.

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 2017-10-23
Company: Credit Systems International, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Systems International out of Texas has the date of first delinquency of an old utility bill from XXXX XXXX of ours wrong. They it as XXXX when it is actually XXXX. I knew this had to be wrong since we moved from XXXX XXXX in XXXX of XXXX. I got a copy of the bill from the original creditor, XXXX of XXXX XXXX, and sent it to them to have them take it off my credit report since it should have fallen off in XXXX. They said XXXX was when it came to their office so that was the date they were using. I told them they had to use the date of first delinquency from the original debt and they said they could use whatever date they wanted and said that if I paid it now, they would delete it from my credit report, but otherwise it was staying on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a purchase from the company XXXX on XX/XX/XXXX. Payment was using Paypal, and my credit card via paypal. 

I ended up returning the entire order back to XXXX, and provided tracking information to paypal. Paypal originally ruled in my favor, and then reversed their decision for no reason. 

" Add money to resolve your negative balance. 

- {$6700.00} '' All of this happened in XXXX. 

Now I received a message from PayPal saying they are transferring my ( falsely ) negative balance to a debt collection agency, XXXX today XX/XX/XXXX. 

This is unacceptable. I returned the products and should not have a negative balance on paypal. 

I demand a removal of the negative balance, removal of submission of my account to a debt collection agency, and recognition from Paypal that they have erred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX 30 days late I have submitted letter from Mortgage Company never late, still will not report accurate. 

I have called, submitted online and certified mailed letter from XXXX mortgage showing proof that my account has never been late and should be reporting accordingly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people

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 2017-10-23
Company: Experian Information Solutions Inc.
State: OR
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:
Experian has incorrect information on who I am, and show fraudulent credit application requests. I have tried to call Experian, but their system does not let you talk to a person! Their automated options do not include the simple idea of reporting and correcting issues. I have tried to use their online system to report, but it says it can not process or honor my request. I 've tried multiple times. 
The entire company seems incompetent. HELP! 
XXXX XXXX XXXX, Oregon

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 2017-10-23
Company: First Direct Lending, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
first direct lending offers a free appraisal cost if i consider refinancing with them. I submitted all they needed from me, lock in the rates, and told me my loan will be closed before the end of the month. 
Said they will cover the appraisal but needs my credit card to hold a 50 % cost of it. 
I agreed to give them my Credit card.it took more than a week for them to update me after the appraiser went to my place. 
I havent got a word from any of them after the appraiser, only an email of " adverse notice '' they did not approve me of the loan but has charge {$220.00} on my Credit card. They know this is a refi to help me pay off my credit cards. XXXX XXXX XXXX has put me more indebt than i am now. XXXX XXXX is very deceptive with their business, applies false advertisement and preys on soft target clients like myself. 
i could have saved time and money if not for their sweet talk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Ditech Financial LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a second mortgage loan originated by XXXX XXXX XXXX that was included in a bankruptcy filing in XXXX. XXXX XXXX XXXX subsequently sold/transferred that loan to Green Tree servicing company. The loan was discharged in bankruptcy in XXXX XXXX and account was closed by Green Tree. I received a letter from Green Tree at that time confirming that the loan was discharged in bankruptcy. 

Three years later in XXXX, Ditech ( which had merged with Green Tree ) began submitting false information to the credit bureaus stating that this loan was active and that I was " missing payments '' on four occasions, two months in XXXX and two months in XXXX. The loan number shown on the credit reports is the same loan number as the Green Tree mortgage loan. 

I have spoken to Ditech on the phone and they refuse to acknowledge or verify any of this information.

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 2018-06-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled a credit report and the following information is wrong : Real Estate Credit accounts ; Both XXXX and XXXX have an inflated amount, they have the payments due as {$7700.00} per month, but should be {$4900.00} as reflected by Experian. 

Both XXXX and XXXX have Installment credits accounts as {$2400.00}, this is incorrect. The amount should be {$1000.00}, as reflected by Experian. 

XXXX  has my name as XXXX XXXX XXXX, it should be XXXX XXXX. 

Experian has a late payment for XXXX, dated several years ago, the car was turned in for another vehicle, I was never late on the payment.

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 2021-09-23
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAINE & WEINER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation