BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: EQUIFAX, 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:
There is a hard inquiry from XXXX XXXX  / XXXX on XX/XX/2019 that was not authorized. I wrote to comenity and was advised they would be removing the inquiry as it was in error. Equifax refuses to investigate and remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Date of deliquency was XXXX XXXX, 2006, it has now been over 8 1/2 years and I should not be held to pay this and should be taken off my credit as a debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I already sold my house. Everything was good when we sold the house under short-sell option. The Green Tree Servicing LLC agree to sell the house under that short-sell agreement. Now suddenly they are asking me the money for that house which I already sold 2 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe a debt. If you answer the phone it disconnects. If they leave a voicemail and you call the number back it disconnects. After reading similar complaints this is a scam and they just won't stop the robocalling. This is getting very annoying and needs to be stopped. The message says : " This is receivables management partners LLC calling this call is from a debt collector please call us back at XXXX again the number is XXXX ''. Message left XX/XX/22 - XXXX The same message but with the phone number of XXXX on XX/XX/22 XXXX Same message from XXXX left XX/XX/22 XXXX Same message from XXXX left XX/XX/22 at XXXX Please let me know how to get this scammer to quit calling my cell phone number. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Credova Holdings Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I made a payment of {$480.00} to pay off this {$510.00} loan. XX/XX/XXXX XXXX on the XXXX of XXXX XXXX on the XXXX of XXXX XXXX on the XXXX of XXXX. 

Total {$600.00}... The {$480.00}. was balance due. This company never sends emails, mail or phone calls... There call is for you to default. We had 90 no-interest. Not getting information on a due date, I missed the 90 day window. I overpaid with interest XXXX.. then for the next 7 months, I get referred to their collection side. They say now I owe {$45.00}. Again, we never got a phone call, email, text, mail or anything that there was a balance. They say they are FDIC. They are not. They are making money based on customers miss the 90 day window as I did.. I would have never used if I had to {$80.00} in interest. 

I received a phone call at the beginning of XX/XX/XXXX. From XXXX XXXX. They say they are part of Credova. I didn't know what this was.. After 7 months of no contact.. They say I am to log into their app and make sure I am up to date.. I have never downloaded their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased Gap Insurance for my XXXX XXXX XXXX. My car was a total lost by XXXX insured : XXXX XXXX ( Claim number : XXXX ) Date of loss : XX/XX/XXXX Date of mailing : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked XXXX to submit salvage amount. XXXX has completed request last year. XXXX XXXX XXXX XXXX , XXXX has not made the adjustment to my credit report. They have the police report and has allowed the car to remain at the tow yard since XXXX. 

I can provide correspondence of me asking what next and schedule phone calls. XXXX XXXX XXXX XXXX , XXXX has not reached out. 

" Dear XXXX XXXX XXXX, XXXX : Per our conversation today XX/XX/XXXX I am confirming XXXX XXXX XXXX did `` not '' owner retain the XXXX XXXX XXXX Vin # XXXX. There was a Policy Limits issue. Our insured 's policy limits was a policy max of {$5000.00}. We did " not '' pick up the vehicle from XXXX XXXX XXXX. The settlement letter reflects a salvage amount, however XXXX XXXX did " not '' retain the vehicle, and XXXX did not salvage the vehicle. This vehicle was not picked up due to avoiding any of the {$5000.00} being reduced from CarMax 's amount. The max was paid to CarMax. No salvage was taken, I do understand it is listed in my breakdown, it is listed to show what the salvage " could have been '' only. 

Sincerely, XXXX XXXX Claims Team XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Ditech Financial LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX/XXXX/XXXX at approximately XXXX XXXX I called Ditech regarding a credit alert I received from XXXX Credit Monitoring, provided through the Fed Govt, regarding a past due payment of 120 days or XXXX or more payments that had posted on XXXX XXXX, XXXX. The XXXX email was sent to me on XXXX XXXX, XXXX. On XXXX/XXXX/XXXX I noticed a credit score on my XXXX XXXX had dropped from XXXX down to about XXXX which was confusing and concerning so I got on my computer to recheck the CSID email that showed the alert from Ditech XXXX 
When I called Ditech I spoke to XXXX and explained that what I had found on XXXX and that I did n't know who or what Ditech was, XXXX informed me they were previously Green Tree. After pulling up account info they had under my name it had reflected a prior loan that I had with them which was sold back in XXXX XXXX which I had done a short sale on. XXXX had never seen this issue before and put me on hold to ask a supervisor about it. When XXXX returned she informed me that Green Tree / Ditech had updated some previous accounts that had been missed in the past and that mine was XXXX of them. She told me that these updates should not reflect a negative impact or score on your credit, at which point I informed her what started my inquiry into all of this was noticing my credit score drop on my XXXX XXXX XXXX then told me that because this was something unusual that she was going to email my information up her chain to a supervisor so they can get it resolved and make sure my credit has not been negatively impacted. I provided XXXX my phone number and she stated that I should be getting a call back within 7 days with everything resolved. I checked back with Ditech 7 days later and was informed that XXXX had sent my case to the wrong department and it was kicked back sitting idle with nothing being done to resolve the issue. The Ditech representative assured me that she would forward it to the correct department for resolution, I am still wating for a response. 
On XXXX/XXXX/XXXX I contacted XXXX and they informed me that Ditech showed me as having XXXX accounts, XXXX of which was closed back in XXXX XXXX with no outstanding balance and the second account showing active with a balance of {$140000.00} and being 180 days late in payment as of XXXX and XXXX of XXXX. XXXX stated that the second account did show the same loan amount as the first account and stated it looked as if Ditech resubmitted the first account again. I submitted a dispute with XXXX XXXX and XXXX.

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 2017-11-27
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:
XXXX, TRANSUNION, AND XXXX IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.

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 2020-09-29
Company: Trident Asset Management, L.L.C.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report. 

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. Experian has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 ) to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score.

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am attempting to remove my pmi after 4+years with freedom mortgage. I am currently below the 78 % to have pmi removed. They will not do it without my paying more money to have an appraisal done by thier " 3rd party '' vendor or waiting another year.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit reporting agencies do not provide credit scores for free, nor will they provide all of your credit scores. This is harmful to consumers. Credit reporting agencies should be required to provide ALL credit scores they provide to creditors, lenders, insurance companies, etc., and explain the differences between those scores. Why in this day and age has Congress not passed a law that allows consumers to have immediate, and always available access to not just their credit reports, which they can only get for free once per year, but also access to ALL of the credit scores that a credit reporting agency will generate for use by their paying creditors. Credit reporting agencies make the vast majority of their profits from creditors who request credit scores and reports on consumers, so stop making consumers have to pay for this information and make it always available and make ALL information available, not just a credit report. Scores are what matters, and consumers should be able to know each and every score that a credit reporting agency maintains about them, and they should be able to get this information at no cost, and on an immediate basis.

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 2020-09-29
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I initiated two on-line ACH transfers in the amount of {$7000.00} each with my Citibank Checking account. There were two ACH transfers in the amount of {$7000.00} on XXXX XXXX, and {$7000.00} on XXXX XXXX from my XXXX XXXX account to my Citibank checking account. However only {$7000.00} ACH electronic deposit showed up in my Citibank checking account. 

For more details, please refer to the bank statements from XXXX XXXX and Citibank. From the XXXX XXXX monthly statement, there was a debit of {$7000.00} on XX/XX/XXXX, and another debit of {$7000.00} on XX/XX/XXXX to Citibank. However the Citibank monthly statement only reflects {$7000.00} on XX/XX/XXXX. So I am missing {$7000.00} with my ACH electronic transfer. I have since contacted and escalated numerous times to both Citibank and XXXX XXXX about the ACH electronic transfer problem, but this problem has not been resolved. 

I appreciate if you could kindly resolve this ACH electronic transfer problem between Citibank and 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
Consumer complaint received 2022-08-29
Company: TRUIST FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have had a loan with this company for just over a year. somehow I get charged fees each month but am unable to see what they're for bc I can not view all my statements online. I can only view the ones when I was enrolled in online statements. I have lost previous statements bc I assumed I could view them. I paid the fees that were up to {$120.00}, bc I assumed I had been late or had a payment returned. the month after I paid those fees, I was showing an additional {$150.00} in unknown fees. I can't talk to a human, they only have an automatic phone. I requested my statements be sent to me and that was XXXX months ago.

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 2016-10-28
Company: Ditech Financial LLC
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been having some trouble with my mortgage company for the past six months or so. 
My mortgage company used to be Greentree, and then it was sold to Ditech in the XX/XX/2016. 
I continued to make our monthly mortgage payments, and began receiving calls from Ditech in XXXX of 2016 telling me that my account was behind because they had n't received an XXXX payment from me. I made my XXXX payment and checked my bank statements to confirm that Ditech had cashed my check, and they did. 
I submitted my bank statement to prove that we made our XXXX payment, and they told me that they did n't allocate our payment to our account because they switched their software in order to absorb all Greentree mortgages into their computer system, and said that they have been having issues because of the software switch. 
Ditech verbally confirms that they received my XXXX payment, and cashed my check for that payment. 
Ditech continues to call me and send statements in the mail indicating that I am delinquent in my payments due to this " missing '' XXXX payment. Ditech has also added late fees onto the amount that they are saying is past due. 
When I call Ditech, they tell me that they are " taking care of this and will fix it '', but the calls and mailed statements from them indicate that in their system, I am still delinquent. 
The " late payment '' showed up on my credit report, and luckily, after disputing this with a credit bureau, they took it off my credit report, but my credit rating has dropped because of this. 
It has been 6 months, and Ditech has n't resolved this issue yet. I continue to receive phone calls and mail from Ditech indicating that they need me to pay that " missing '' XXXX 2016 payment. 
I am not sure how to proceed at this point.

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 2016-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Payoff process

Complaint:
I contacted Capital One to pay the balance of a credit card that had been charged off in 2010. I was instructed to speak with their legal council ( which I did ) and was offered a settlement amount. I was told that upon receipt of payment, Capital One would update the balance of the credit card to {$0.00} and that the account would be considered paid in full. I was also told that the judgement that had been entered against me would be removed. Neither of these actions has been taken and the credit reports with all XXXX bureaus still list the account as having a {$4200.00} balance and lists my credit utilization as 117 %, which is not correct. I disputed this balance and received notification from all XXXX credit bureaus that Capital One had reported the balance as {$4200.00} even though I already made the payment and they agreed to mark the account as paid in full with a {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing a complaint because I received a call today from my XXXX brother that has the same name saying that he has been denied opening an account because there is information being provided to the institution with our name and my social security number XXXX They are explaining to him that since we have similar information our files are being linked. I have never conducted business with XXXX XXXX and the address reported with the account is a fraudulent address that was being used to obtain credit in my name. I have filed several police reports on this identity theft issue and chex systems has copies of all reports filed. This account shows it was reported last year when the fraud had occurred. This needs to be removed from my file immediately as it is not mine. My file should also not be mixed with my XXXX brother as our socials are completely different and we do not share the same address. as you can see on the report that was provided to my brother they input his information and they provided the institution with the fraudulent account with my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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:
Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have contacted each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : 1 ) XXXX XXXX XXXX XXXX {$410.00} DATE : XX/XX/XXXX 2 ) XXXX XXXX {$470.00} XXXX 3 ) XXXX XXXX XXXX  {$710.00} DATE : XX/XX/XXXX 4 ) XXXX XXXX {$1000.00} XXXX 5 ) XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) {$38000.00} 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 2022-05-24
Company: Experian Information Solutions Inc.
State: NY
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:
Hi, My name is XXXX XXXX and I have been on hold for almost 60 days now with the three credit bureaus XXXX, XXXX, and Experian in terms of getting delinquencies off my credit that do not belong. There are numerous 15 USC violations, broken FCRA Laws, in which they are not responding to my demands because I know my rights in which this is the third complaint I am reaching out to the CFPB in which nothing is being done. If the delinquencies remain after this I will have no choice but to file a lawsuit against the three credit bureaus as this has been going on for about 6 months now and I've just had enough.

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 2022-05-24
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: Information belongs to someone else

Complaint:
on XX/XX/XXXX i was informed via Email that a XXXXXXXX XXXX credit card account was past due and had several returned payments. I never authorized the opening of the account. i have XXXX XXXX XXXX loans and that all. This account was fraudulently opened and abused using my personal information. Im a victim of identity theft. my personal information is being sold online for fraud. this has been confirmand by dark web surveillance.

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