BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing CashApp services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ive paid these charges and since then they have not removed from my credit report file as promised.Also showing as past due which is inaccurate and would like removed.the first late payments listed on this account was wrong and needs to be removed.Never received validation letter on debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Ditech Financial LLC
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
about 6 years ago I had a home repossessed from me from my mortgage company.. 
they called me on several occasions an told me that I was behind on my payment an that I was either late or they did n't take enough money out of my account and charged me more and by saying more I mean like I was paying them like XXXX to XXXX a month for like six months till I could n't afford to keep up with it anymore.so then they told me that I had to move an paid me some where around XXXX to XXXX to move out I feel like they stole from me and caused me to have bad credit I have learned that they are in a huge law suit do to wrong doings to people. how I found this out was trying to repair my credit also I remember a time when an investigator came talked to me shortly after all this happened just never thought no more of it till now ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received multiple ( wrong number ) calls from this company. They are requesting to speak to a family member whom I have very limited contact with. This morning a voicemail was left regarding this individual and also saying that they were going to contact the employer of this person. I returned their phone call to tell them that they had the writ number and also to notify them that the practice of calling someone 's employer after a phone call is illegal. The representative became irate, yelled at me, and hung up as I told them that I would be filing a report.

Company response to consumer: Closed
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: FL
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:
These are a list of Hard Inquires not authorized by me and without my knowledge XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX OPENED XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX, the company named Debt Recovery Solution sent a notice ( dated XXXX XXXX, XXXX ) attempting to collect a debt for a XXXX bill from XXXX. The notice did not elaborate any further. I immediately responded in writing and advised I did not owe such a debt. I requested that the company either cease collection efforts against me or provide proper proof that the debt belonged to me. 

I have received a response from Debt Recovery Solutions dated XXXX/XXXX/XXXX with what they claimed was proof the debt belonged to me. It is clear from the documents that the debtor is a different person with a similar name. I have responded a second time in writing to advise this is not my debt and the wrong person is being pursued. I again requested for Debt Recovery Solutions to cease collection efforts against me. 

Debt Recovery Solutions failed to do a proper and minimal investigation. The documentation this company has presented is for a person with a similar name that resides is a different state. Had the company properly verified my residential history, date of birth, or any other pertinent personal information ... it would have found that they erroneously associated me with this debt. 

As a result, I have been falsely accused. I have invested many hours of my time to respond and defend myself. I do not want this company to falsely associate me or my credit with this debt. I wish to file a complaint against Debt Recovery Solutions LLC for their improper and unecessary attempts to collect this debt from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Pioneer Credit Recovery XXXX XXXX contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls have totaled more than 10 per day. 

We have orally told them that we are not allowed to take personal calls on business lines, and we have submitted a prior written complaint bearing Case number : XXXX. 

Please do not call any of the following numbers as they are all owned and/or operated exclusively by our business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We will file suit if these calls do not cease.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed an dispute with TransUnion by mail over a charge from XXXX/XXXX. The company falsely claimed I had missed payments for several months. In their response to me TransUnion fixed the rating to ok however they did not restore my Credit Grade to the Excellent level it had been at prior to the incorrect claims of missed payments. I was able to successfully fix the error and restore my credit with the other two major credit agencies XXXX  and XXXX. 
Because the TransUnion online credit dispute does not work, I called TransUnion Monday XX/XX/2020. XXXX who I spoke with on the phone submitted a new dispute to address the failure to restore my credit rating. When I did not receive an email as he told me I would, I called TransUnion again Friday XXXX XXXX. XXXX was not able to provide me with a confirmation number or any written documentation that the dispute had been submitted to further investigate my credit ranking. They did provide me with a number to TransUnion online and the case number. I called the number and spoke with XXXX on XX/XX/2020. She however could not hear or understand me although XXXX had no issues when I spoke with him a few minutes earlier. Because I have no documentation, I am concerned that the dispute will not be addressed in a timely manner.

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 2015-06-24
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my concern is with green tree Servicing company.
I had to do a "short sale" on my house, but Green tree did not lose ANY money, it was the XXXX bank that agreed to take less money. Escrow closed on XX/XX/2014After all was said and done I found out that Green tree sent gardeners and other repairmen to the house and charged ME for work even tho it wasnt even my house anymore!.....they charged me over XXXX dollrs to print the notice of default in the local paper. they overcharged me XXXX dollars in paying property taxes. i called the tax collector, and they told me that XXXX dollars was refunded to "core"- should have went to me. Green tree trespassed on the property, it was another owners property. the workers took some items out of the yard....worth about 1200 dollars. And altho I did my part and left the house, they DID NOT do their part and give me the XXXX dollars relocation fee for this "foreclosure" that they acted on. 
Green tree writes me a letter saying that they had the right to keep the place in good condition. it was in good condition- they did NOT have to re key and winterize and do all these things that banks do to foreclosed homes. it went directly to another buyer.
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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Transunion has 2 late/delinquent accounts reporting on my credit 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 2022-03-23
Company: EQUIFAX, INC.
State: CA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to get a home modification loan for my home. I have been at this process for months. I have sent in all the correct paperwork at least XXXX. I am told it is not the correct paperwork so I call and get sent to a voice mail, I leave a message, never get a call back. I did get a letter in the mail stating that the information that was requested was never received so the modification was denied. Really!!! How many times does one have to sent the information, leave voice mails and never get replies. I am in danger of losing my home because someone thinks this is joke and its not important or maybe it because I am a XXXX something XXXX male that owns my own business so who ever is handling this case feels I am not worthy of working with. I feel that I have been discriminated against because of my economic status and sex. I have had nothing but problems with this company from day one. The mail they send is out of date, they have lied several times stating one thing and then sending a letter saying the exact opposite. My credit has been destroyed due to the absolute ineptness of the staff the I have had to work with. Its obvious that little training or education is needed to work for this company as they all make up what they feel will sound good so they can get you off the phone or they threaten you with loss of your home and your credit. Greentree needs to be out of business and never service another loan again. This has caused undue stress resulting in medical issues for myself at this point. I can not move on with my life until this issue is taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Ditech Financial LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
DiTech Mortgage ( bought out Green Tree Mortgage a couple of years ago ) continues to charge me a late fee and sends me statements with past due amounts. These are all not accurate, especially since I am on the bi-monthly autopay program for my mortgage. Yes, twice a month they withdraw the amount to equal my mortgage each month. I have called to get this fixed in the spring and now they have started again. I called DiTech 's customer service number XXXX nights now, I remain on hold for up to 10 minutes and then the phone gets picked up and cut off. My credit XXXX and pride of the right thing, consumer rights is very important to me. Your assistance would be greatly appreciated. 
Thank you!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: MT
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$590.00}, XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.

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 non-monetary relief
Consumer complaint received 2017-07-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have contacted the 3 credit bureaus about incorrect inaccurate information reporting on my reports and have gotten no resolution. I have asked several times to provide me with method of verification and I do not receive it. I have disputed Bankruptcy information on my report that they refuse to investigate or remove.

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 2022-03-23
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-23
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I used this platform recommended by someone I met online. Its called gemini, I used my saving XXXX aud and he lend me XXXX usdt so i can trade more, he sent it directly to gemini then we earned more than {$170000.00} usdt and we were asked by gemini to pay 10 % personal tax of my assets so we did that XXXX the man i met online helped me to collect funds for tax then we were able to settled it then after that gemini asked me again to verify account due to multiple transactions 10 % of the account balance and I paid it the they asked again for another verification because my XXXX  wallet was abnormal i begged for 5 % verification fee and they agreed so we settled taht and asked for service fee and i paid that then later on they said my accout was detected for money laundering and i have to verify my account again10 % of my funds. Im in so much debt i could not afford to keep verifying my account. I couldnt get my funds back and later on I found out that this platform that im using is different to the other gemini and XXXX said its just thesame and now i realized i got scammed. Please help me get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is a follow up to a dispute I created with Consumer Financial Protrction ( Complaint : XXXX ) because my case was closed prematurely. 

There was unauthorized wire transfers from my account on XX/XX/22 for {$5100.00} and on XX/XX/22 for {$42000.00}. I opened a dispute/recall of the wire transfers on XX/XX/22 with Chase. I was supposed to receive an affidavit by mail, I called Chase on XX/XX/22, XX/XX/22 and on XX/XX/22 to follow up on the affidavit, Chase simply replied that their back offices send out affidavits by regular mail and this process could not be expedited. 

I took all necessary steps that Chase recommended to secure my accounts including closing the accounts, opening new accounts, creating new online ID, password, ordering new checks, and replacing the debit cards. 

On XX/XX/22, I received an updated through Consumer Financial Protection that my case has been closed by Chase and resolved because I did not fill out the affidavit. Chase attached the letter and affidavit with the case decision. This was the first time that I saw the affidavit. Chase did not even email or mail me the letter directly. I saw this letter only because they attached it to the complaint. I immediately filled out the affidavit on XX/XX/22 and had the local branch send the affidavit on XX/XX/22 to the appropriate office. 

There is absolutely no follow up to my case, every time I call Chase, no one can give me steps being taking to resolve the matter and recoup my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The original loan was in excess of {$50000.00} to XXXX XXXX XXXX, we got caught in a financial crisis and were unable to repay correctly. They merged with or sold the loan to Greentree Financial who then sold the loan to Ditech Financial. During this we have continued to repay the loan to the extent the current balance is around {$12000.00}. We have every intent of repaying this loan completely. Our issue is that all of the compamies involved, XXXX, Greentree and Ditech are reporting the same loan as delinquent, charged off or a collection account. Since Ditech has had the loan we have not missed or been late with a payment. I do n't feel it is fair for all the companies to be reporting the account in a negative fashion when it is obvious we are trying to do the correct thing by paying the loan down and ultimately off. Other than the fact it was originally a collection account when Ditech got the account they should not be reporting as delinquent or in a negative fashion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, 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:
Equifax, XXXX, and XXXX XXXX will not remove these accounts from my credit report. I disputed it several times, but they keep telling me its verified. I have no knowledge of these accounts and also they are over 7 years old and by the FCRA any account over 7 years old must come off the credit report except for bankrupcy which is 10 years.

US DEPT. OF EDUCATION Acct. # : XXXX Report Balance : {$9400.00} Date Opened : XX/XX/2012 US DEPT. OF EDUCATION Acct. # : XXXX Reported Balance : {$4300.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX

Company response to consumer: Closed with explanation