BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-19
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I spoke to XXXX of green tree representatives on XXXX XXXX XXXX, 2014 about the annual escrow acct disclosure statement in reference to the PMI on my loan I recieved. According to my original documents with XXXX my PMI should be {$120.00}. However the loan was sold to Green tree. About XXXX months ago I noticed that Green tree is deducting out my escrow acct {$220.00} which i never agree to pay to Green tree, I have the supporting documents of what i signed in referance to this loan and the terms of the PMI. I would like this to be taken care of as soon as possible, as it stresses me out to think that Green tree is XXXX me off. I have asked and i expect a refund for all this time that i have been paying the wrong amount. I called Green tree a handful of times about this issue i have also fax them a letter showing my supporting documents and dont believe that now after more than 60 days of calling, and writing to them and this has still not been taken care of. It is Now XXXX XXXX which is more than enough time since this was brought their attention! This is XXXX more attemp to try and get a honest and fair response. I dont believe green tree is handleing this in a professional manner and I am very disappointed at not getting any responce at all about this matter. In all honesty it is looking to me that green tree has made a mistake here and is not ready to fix it and compensate me because if its was something i did owe on PMI they would have brought proof to me quickly. I would appriciate any kind of attempt to fix this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: OH
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:
The CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXXXXXX XXXX is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! 

I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!

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 2022-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I canceled my paid subscription with Equifax and XXXX last month. Around the same time, I launched a complaint against Equifax and XXXX for reporting inaccurate information on credit report. 
However, I didn't close my credit monitoring accounts completely. Once, I canceled my Paid subscription with Equifax and XXXX I was no longer able to log in or access any of the free products .When I tried to access the free products such as XXXX XXXX or when I wanted to put a freeze on my credit reports I was given a phone number to Equifax and XXXX and instructed to call them. I called them and they verified all of my personal information with the automated systems. Then i was asked about four questions relating to accounts I may or may not have. Each time I answered the questions the automated voice system said that they were unable to help me. I was unable to speak to a representative. I know what accounts I have and don't have. I am positive that I answered all of their question correctly. It is very frustrating that I am unable to speak to a real person when I call. It is also very suspicious timing that I am unable to access my credit report right after I canceled my Paid subscription. I only canceled temporarily because of financial reasons. I still need to have access to my credit report and or free products on a daily basis. I feel that I am being punished by Equifax and XXXX because I filed a complaint and stopped paying them. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXXXXXX has violated my rights. 

15 U.SC. 1681 section 602.A States I have the right to privacy 15 U.S.C 1681 section 604A Section XXXX : States that a consumer reporting agency can not furnish a 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 2017-03-08
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I 've attended and graduated from XXXX in XXXX, with what was suppose to be an accredited XXXX degree in XXXX. Only to my surprise I found out that my degree program was not accredited until XXXX, 18 months after graduation. ( A total misrepresentation ), The disbursement to XXXX for me to attend was {$18000.00} with payments to begin on XXXX ; I 've been making payments every month and on time since XXXX ' and my balance is still {$13000.00} today with Navient. I 've paid over {$34000.00} out of my pockets over the years, working various entry level jobs that was paying no more that {$9.00} - {$11.00} usd Hr. I was told and promised on may of occasions to not worry about paying my student loans because I would be making enough to pay back and maintain my livelihood ; Which was not true, because its been a struggle ever since I enrolled many years later.When will the repayment END.It felt wrong then and I feel wronged today, only because there is nothing I can do about it.I hope CFPB can reach a settlement very soon, so that I can move on with my life, and try to forget the many years of torment and threats of repaying an over priced student loan for a non-accredited XXXX degree program from the then XXXX SCAM!! featuring Navient and XXXX ponzi sceme.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is an official complaint against Dietech Financial in conducting an illegal and wrongful foreclosure action on said property on the alleged date of XXXX XXXX, XXXX, in which I believe was backdated to legitimize the sale. During the merger between Ditech Financial, LLC and Greentree Servicing, LLC, there was no effort by the above entities to offer any resolution or modification. Neither party provided me with any remedies or provide any full disclosure of the loan transaction. It is my contention that no sale took place on XXXX XXXX, XXXX. Prior to execution of any Deed Under Power, the law-firm retained by Ditech Financial told me on the telephone that the Sale of my property was cancelled. Besides the failure to provide any remedies or working out any resolution, Dietech and Greentree failed to adhere to CFPB 's new servicing rules : Failure to adhere to rigorous servicing transfer requirements Failure to comply with mortgage servicing rules Failed to engage in efforts to preserve home ownership Failed to address any redress and Grevances Allowed the merger to maintain and sustain consistency with CFPB rules Failed to provide adaquate notice to the homeowner. 
Failed to provide full disclosure to XXXX of the loan transaction and underwriting of the loan I filed a Notice of Rescission pursuant 15 USC 1635.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00}.

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 2016-12-01
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home went into foreclosure with Ditech XX/XX/2016. In XXXX I was working with Keep your home California with help on getting caught up with my mortgage. I was in Foreclosure at the time and Ditech refused to work with me and Keep your home California. I continued to send in the paperwork they requested but they kept saying they did not receive it. Then I received the sales date where they were going to Auction my house on XX/XX/2016. One week prior I found a cash buyer, they needed a payoff amount and again Ditech refused to disclose it and said it would be mailed. The buyer tried to get them to move the sale date ahead a week to wait on the info and get the finance together, again Ditech refused. No one bid on the house at the Auction so it reverted back to them. They then sold the house the end of XXXX for XXXX I owed approx XXXX, they profited about XXXX. I feel this is Unjust Enrichment, Fraud, Fraudulent Transfer, Robo and Dual tracking. My wife of 35 years and I have been homeless since our home was stolen by these crooks. The FTC found them guilty of tons of stuff and fined them around XXXX XXXX. 

Ditech 's Account number was XXXX. Sales Notice CA XXXX-Property address- XXXX Ca 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 2016-02-11
Company: Mercedes Benz Financial Services
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Mercedes Benz Financial has incorrectly reported the details of an old account with them. They have done this after being advised of this multiple times and being queried by all XXXX credit bureaus at least 10 times since XXXX. 
This account is an old account : it first went past due in XXXX or XXXX of XXXX. The account was never brought current and the vehicle was repossessed in XXXX XXXX XXXX. 

Mercedes reports this as follows to XXXX as verified by all XXXX bureaus. 
XXXX XXXX 30 days XXXX XXXX 120 days XXXX XXXX 90 days XXXX Repossession XXXX 30 days These numbers are clearly wrong and repeated efforts to correct result in MBF continueing to report incorrectly They also report it as a Charge Off but show a balance past due of XXXX which is not permitted MBF has structured their reporting, I believe deliberately, to ensure that this account is not deleted from reporting by all XXXX credit bureaus in the correct time frame and kept on my record

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: TD BANK US HOLDING COMPANY
State: OH
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:
My name is XXXX XXXX DOB XX/XX/86. I have been impacted with XXXX  SINCE XXXX! I HAVE BEEN IN CONTAXT WITH TARGET WHEN NOT on XXXX as I could. I have been in most recent contact, XXXX, XXXX, XXXX and XXXX Each month aside from XXXX, I was told, my account was covered under the assistance program for XXXX   AND NO PAYMENT WAS DUE. I THEN GET A COLLECTION CALL IN XXXX STATING I OWE {$190.00}!!! They told me all this missed COVID PAYMENTS WERE NOW ALL DUE AT ONCE!!! I HAD NO NOTICE THIS WOULD BE THE CASE, NO WRITTEN AGREEMENT NOTHING!!! THIS IS UDAAP!!! HOW CAN A PERSON IMPACTED BY COVID PAY ALL THESE PAYMENTS AT ONCE!! WELL DUE TO MY CONCERNS WITH MY CREDIT SINCE MY HUSBAND JUST DIED FROM XXXX   AND SO DID MY DAUGHTER, I NEED MY CREDIT! SO I SOLD MY WEDDING BAND TO COVER BILLS! THIS BILL! I PAID {$200.00}!!! TWO DAYS LATER MY CREDIT SCORE DROPS XXXX POINTS! WHY?! BECAUSE TARGET REPORTED ME PAST DUE!! I CALLED IN AND THE THRIRD PARTY REP TOLD ME ITD BECAUSE I HAVE NOT MADE A PAYMENT SINCE XXXX. I TOLD HIM I WAS TOLD I DID NOT HAVE TO BECAUSE I WAS ON TEH COVID PLAN. HE SAID, WELL I SEE THEY WAIVED LATE FEES FOR THOSE MONTHS, BUT I STILL HAD TO MAKE PAYMENTS - XXXX XXXX!!! TOTAL XXXX!! I WAS TOLD I DID NOT HAVE TO! 

THEY NEED TO BE INVESTIGATED FOR HOW THEIR TREATING XXXX  IMPACTED CUSTOMERS!! THEY TOLD ME I QUALIFIED FOR XXXX  ASSISTANCE, AND NO AYMENTS WERE DUE, THEN THEY DEMAND A {$190.00} PAYMENT WITH NO NOTICE AT ALL!!! THERE WAS NO AGREEMENT TO MAKE ME AWARE THAT COULD HAPPEN! 

I NOW HAVE TO CREMATE MY DAUGHTER WHO DIED FROM XXXX  BECAUSE THESE CARELESS XXXX RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get at least one call each day from Caller ID : Navient. Phone Number XXXX. They say I owe money and can clear my account by calling XXXX or I can sign on to Municipal Services Bureau to pay the amount owed. 
I have contacted every number and web address for them at least 3 times and told them they have the wrong person/contact info. They say it's cleared, apologize, then it starts happening 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 2017-06-11
Company: ERC
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: Information belongs to someone else

Complaint:
XXXX   XXXX   XXXX  has sent me to collections for {$190.00}. The hit to my credit report was placed in  XXXX   2017  for {$190.00}. That collection account is also tied to an address that I have never lived at in a city that I have n't lived in for over 20 years. It is erroneous and needs to be removed from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2020-12-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the loss of Employment and Covid 19 in 2019, we got behind on our mortgage payments. We are currently approx. {$15000.00} behind. We have been granted a forbearance but now it's expired and my multiple requests for modification have been denied after I've made the last 4 payments reducing the original amount from {$20000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm having issues with XXXX medical collections that are not mine nor in my name, they list as individual accounts. I have advise the collector of the hippa violation. I am not responsible for those collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: CA
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX 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 explanation
Consumer complaint received 2016-09-10
Company: Ditech Financial LLC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
DITECH FINANCIAL LLC purchased the account referenced from XXXX or from another third party junk debt buyer according to Chief Justice XXXX of the US Supreme Court, DITECH FINANCIAL LLC is in direct violation of the COURT of COMMON PLEAS OF XXXX PENNSYLVANIA, COURT OF APPEALS FOR THE XXXX, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondent 's property, DITECH FINANCIAL LLC in violation of contacting me on the above-mentioned alleged account at my home, upon receipt of this letter dated XXXX/XXXX/2016 this places DITECH FINANCIAL LLC DEBT COLLECTOR 'S in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment, failure to validate the debt The [ FDCPA ] gave DITECH FINANCIAL LLC thirty ( 30 ) days to validate the alleged debt. 30 days have passed, present letter dated XXXX/XXXX/2016, failure to respond to TO [ XXXX ], FAILURE TO RESPOND WITHIN THIRTY ( 30 ) DAYS TO EACH NUMBERED ITEM BELOW IS ESTOPPEL. SANCTIONS MAY BE IMPOSED FOR REFUSAL TO ANSWER QUESTIONS OF DISCOVERY [ XXXX questions of discovery unanswered ]. Any proceedings on the Above Case, including the re-sale of the alleged debt information for the purpose of collection by any other debt collector/company, that are taken without first timely responding to this letter by the party ( s ) will be deemed prima facie evidence of fraud by mail and racketeering against the party ( s ). DITECH FINANCIAL LLC ( " Ditech '' ). ; XXXX, ORIGINAL CREDITOR : XXXX, its agents, assigns, principals, and counsel. Silence is acquiescence ; acquiescence is estoppels. 
Disputing your extortion and fraudulent claim of " debt '', XXXX XXXX, 2016 Certified Mail # XXXX DITECH FINANCIAL LLC ATTENTION : XXXX, AZ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation