BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-22
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with my mortgage company to modify my current loan. I have recently received a discharge for bankruptcy which I excluded the home from. I have been working with one individual through the process and was behind 3 months of payments ( due in part to the mortgage company changing from Greentree to Ditech as well as Bankrupcy proceedings, In short my direct deposits were canceled by the mortgage company and I did not notice it right away ). 
I have tried multiple times over the past couple months to contact XXXX from Ditech to come to a resolution and have not been able to reach him in person, I have left a number of messages on his voicemail and with his coworkers who are not willing to discuss any part of the loan other then take a payment. 
The last time I spoke with XXXX was regarding a loan modification packet that he was sending me. a few days later I received a packet from Ditech but it did not contain the information that XXXX mentioned and I have not been able to contact him since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Ocwen Financial Corporation
State: OH
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone by the name of XXXX is calling asking for social security number to collect debt on a property I do not own. They say the name of the company is Ocwen Loan Servicing LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: GreenSky, LLC
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX XXXX 2015 a sales rep from XXXX XXXX named XXXX XXXX came to my XXXX XXXX year old father 's home and convinced him that he would benefit from a solar installation. The next day I reviewed the contract he had my father sign and decided to exercise the cancellation clause that day. My father was unaware that the papers he signed would allow them to open a {$40000.00} dollar line of credit with Green Sky Credit. They advanced {$5000.00} on this new credit card. We have been trying to reverse the {$5000.00} credit for months now. I have requested multiple time 's to correct this. I am hopeful this week on XXXX/XXXX/15 almost 6 months later I will resolve this. But we could use some help as it keeps lingering with no resolve.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-27
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have long disputed this debt that appears on my credit. I have reached out to both the original creditor XXXXXXXX XXXX XXXX As well as the company that has purchased the debt Midland Credit Management and I have asked for a full and proper audit to be done. Not one using software that can give incorrect information. The reponse I have received is that a bill was sent to my address and that the account was opened using a phone number that is registered to me. This is false. I have not had a phone registered to me in over 8hrs. These companies have refused to provide me with information that is outlined in the FCRA and they are violating my rights. My next steps will be legal action against XXXX XXXX XXXX and Midland Credit Management for violating my rights and for unfair collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: JPMORGAN CHASE & CO.
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had filed chapter XXXX bankruptcy in 2008. It was disharged in XXXX of 2008. In the bankruptcy we had initially reaffirmed a home equity loan that we had with. JP Morgan Chase. Our attorney recommended that we do not reaffirm the loan. We had origially reaffirmed on XXXX/XXXX/2008. My attorney then sent a a letter to Chase recinding the reaffirmation on XXXX/XXXX/2008. This is well within the 60 period to recind reaffirmation and well before the bankruptcy discharge date of XXXX/XXXX/2008. At this point it has been over 7 years since the bankruptcy filing and Chase should discontinue reporting the account to the credit reporting agencies and have the account deleted from the credit reports. This needs to be done to be in compliance with FCRA. Please contact me if you need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: 391 Financial, Inc.
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I do not recognize this debt or debtor and they are threatening legal action against me and harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX  credit hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard iquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXXXXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them

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 2020-09-30
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.

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 2015-10-14
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
SINCE XXXX XXXX EST XXXX XXXX Rush card customers ca n't access their funds via atm. They ca n't make store/online purchases. Customer service XXXX number no longer works. Website & mobile app is XXXX for current customers to access accounts. Those who can access their account balances are incorrect & direct deposits are n't reflecting in accounts. People are stranded. They ca n't get to work school or health care. They ca n't buy food or prescriptions. They ca n't pay rent or utilities!!! WE NEED HELP!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-06
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Managing, opening, or closing account

Complaint:
The system had some type of clitch and left me with no access to my account or money. Because of the problem I have lost my apartment because I could n't pay my rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Trans Union, XXXX, and XXXX refuse to remove inaccuracies from my credit report which have resulted in an inability to be approved for home loans, credit cards, as well as increased interest rates on current credit accounts. XXXX  accounts were charged-off because the debt was not valid, and were removed only to be re-applied to my report on XX/XX/2022. The XXXX XXXX XXXX account has derogatory remarks that are inaccurate and this account is also invalid and should not appear on my credit report. I have asked XXXX not to share my personal and private information as they have been in violation of 15 U.S. Code 6802 and have not provided the opportunity for me to direct that such information not be disclosed to such third parties ( Trans Union, XXXX, and XXXX ). 

I am requesting ALL accounts related to XXXX and XXXX be permanently removed from my credit report. I am also requesting monetary relief for damages caused by derogatory reporting.

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 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Consumer Reporting act XXXX allege 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 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 2022-02-27
Company: Aspen National Financial, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
False Statements/XXXX XXXX XXXX Ive filed several complaints regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX They refused to send me a maintenance bill for XXXX my fully paid resort membership. 
I received a letter telling me to contact the crooked corrupt collection agency Aspen National Collections XXXX XXXX XXXX XXXX FL XXXX XXXX ; XXXX, who have added over {$500.00} to outstanding maintenance fee from XXXX. 

We purchased the membership under duress ( held against our will for over 8 hrs because we were XXXX with threats that we would have to pay outrageous fees for our stay ) in XX/XX/XXXX. We paid over a period of time for the membership in full. XXXX XXXX XXXX XXXX has never sent me a 1099 so I can file gor the Real Estate Taxes that were paid. In additionXXXX XXXX XXXX failed to credit my account for the week that U paid the maintenance fee for ( Total of 7 weeks outstanding, 2 extra weeks vacation ( total of 8 ) because of denial of service!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
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: Account status incorrect

Complaint:
Transunion, XXXX and XXXX are reporting multiple inquiries on my account that I never authorized I was a victim of identity theft There are addresses on file that should not be on there Only XXXX XXXX XXXX XXXX XXXX fl XXXX should be on there They are reporting a collection account from XXXX XXXX that does not belong to me Transunion XXXX and XXXX are reporting a lot of inquiries to whom i dont have credit with and those inquiries need to be removed immediately I already sent in a idenity theft 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 2018-07-10
Company: EQUIFAX, INC.
State: OK
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:
This is a reocurring problem with Equifax and XXXX  allowing a Company named XXXX XXXX to every year update this collections account as current and partially paid on my credit reporting. They are reporting it wrong and against the fair credit reporting act. 
This account started in XX/XX/XXXX when I vacated an appartment and they agreed to take partial payment. They put it on my credit for paid less than full balance. I listed them on my banckruptcy as a debtor in XX/XX/XXXX. On XX/XX/XXXX, the United States Bankruptcy Court, XXXX   District of Oklahoma discharged my debts. XXXX XXXX XXXX is listed as a discharged debtor. I filed a dispute with Equifax. Yet, they allowed XXXX XXXX to continue to report this as an unpaid partial collection.In fact XXXX XXXX is showing they added it again XX/XX/XXXX as a partially paid collection with a note, Consumer disputes this account. This company needs investigated for continually going against the Federal Law and Federal Bankruptcy laws and needs fined so they won't continue to do it. 
Also Equifax and XXXX  need fined for allowing it to be falsely reported on my credit report. I recently was issued a credit card for 24 % from XXXX XXXX because of this lowering my score and showing as current debt instead of included in Bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2022-02-27
Company: EQUIFAX, INC.
State: MD
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 am writing to delete the following information in my file. The items need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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