BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-13
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX I had a bankruptcy discharge all of my debt XXXX XXXX XXXX including a mortgage that I had initially took out with XXXX subsequent to that the loan was given to XXXX XXXX XXXX then ultimately to Greent Tree. Green tree contacted me inXXXX of XXXX asking if I wanted a loan modification they assured me that the had no intention of reporting any late payments to the credit bureaus because it was discharged, further ore I told them I would consider a loan modification subject to them sending me a letter stating such. They furthermore assured me that if I went thru the trial process and was approved upon me completing the trial period a new loan would be issued and any activity done as a result WOULD. Be reported to the credit bureaus. They even went as far as to say that since my modification was post bankruptcy there would be a new term date and it would be treated like a new loan. I just checked my credit report and there is no reporting of on time payments as promised, the new loan has a start date of XXXX XXXX XXXX final payoff XXXX XXXX XXXX. I contacted green tree this morning and was informed that this was not the case. They are refusing to stand behind their word that due to my bankruptcy being fully discharged the loan was considered new subsequently every payment I have made on my home is now NOT BEING REPORTED. They assured me by XXXX XXXX XXXX all my payments post XXXX XXXX XXXX would be reported to the credit agencies. Please assist me in making this bank do as they agree. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Selene Finance LP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX was the originating mortgage holder and they did not pay my taxes after all monies were escrowed. they sold my loan to selene finance and they paid it after XXXX said they would but did not, but they paid it from my escrow acct not from funds received from XXXX and now have a shortage in escrow. selene finance then hit my escrow acct XXXX for homeowners insurance, was late with it and only paid it once in 2013 as the insurance company never received the second payment. now escrow is short yet again and my payement went up {$200.00} + a month. i have been trying to get this fixed to no avail, XXXX has tried from what they said in the emails i have from them but selene will not respond. planet home is the new servicer and has been trying but they keep getting wrong information about the problems. both XXXX have acknowledged the issue and see where the problem are but can not get my {$2000.00} + back without selene finance 's cooperation. this has been going on for over 2 years and do not know where to turn. all has been documented as well as numerous emails. 
please helpthank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Portland Credit Inc
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
the year of XXXX? I was buying a car from XXXX XXXX XXXX. The cost was {$15.00}. The car was repro. Sold at auction for {$3000.00}. Portland Credit, INC and XXXX XXXX, is garnishing my paycheck. They have taken over {$20.00} from me. I am a father of XXXX children, this is a hardship on my family. If they have taken, over {$20.00}, they should give me a car worth the amount they taken from me. I do not have the car! They keep resubmitting the same paperwork threw the court, and they never show, how much they have taken from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21 I noticed two fraudulent charges on my credit card, both to XXXX. I called BarclayCard immediately to report. I was told the first one for {$960.00} was already flagged as fraud and the second one for {$420.00} would be investigated. I reiterated that they were both fraud and that I did not make either purchase, and that no one in my household had access to this card. Both charges were removed and I was issued a new card. A few days later, a package arrived at my door from XXXX. I assumed it was the fraudulent item and did not open it. It remains today stored in a closet, unopened. In XXXX of this year, I noticed the {$420.00} was placed back on my card. Barclay says they contacted XXXX who in turn contacted the third party seller and they determined that since XXXX had my correct address, account number, email and credit card that it was not fraud and must be a valid purchase. I explained that yes in fact, I do have an account at XXXX and this is how they have my info, however I did not make this purchase and told them that back on XX/XX/21 when I called to report as fraud. I have attempted to get the unopened merchandise back to them but the 3rd party seller, XXXX XXXXs, says their 30 day return window is closed. I have called Barclay countless times as well sent letters but they continue to insist it was a valid charge. Even after telling them repeatedly since day one that both charges were fraudulent. They can't explain why they recognized one as fraud but not the other. I have tried everything I can to settle this issue but they really just don't care. I have not paid this charge and stopped using this card in XXXX when they reinstated the charge.

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 2022-10-07
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:
Fraud Alert has incorrect phone number on file. REMOVE XXXX XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Dynamic 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 was paid

Complaint:
In XXXX XXXX, I paid this debt in full in the amount of {$940.00} to the original creditor XXXX XXXX. As a result, the debt was also removed from my credit file and XXXX XXXX presented a XXXX dollar balance. On XXXX XXXX, XXXX, I received communication from Dynamics recovery attempting to solicit monies in the amount of {$1000.00}, which is even more than the original paid debt. The collection letter states they are working on behalf of a company called XXXX not the actual original creditor XXXX. The letter states XXXX owns the alleged debt. I 've never received communication from either company prior to this date. This appears to be a recycling of previous debts and fraudulent activity as I do not owe the alleged debt to Dynamic Recovery or XXXX. After receipt of the letter, I contacted XXXX XXXX who was able to confirm that I do not owe any money. I want this company to cease from any further communications or collection attempts on a debt I do not owe to them. Please stop selling my information to obtain financial gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: GA
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 asked XXXX to validate and check for inaccuracies. They sent me a letter by mail stating that all information was correct and validated. I have done my own investigation and for inaccuracies. I have a right for my credit report has inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information the consumer reporting agency has a responsibility to remove it. 

XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account US DEPT ED XXXX Validate Account In accordance with the Fair Credit Reporting act these accounts that are listed above, has violated my rights. 

15 U.S.C 1681 States I have the right to privacy.

15 U.S.C 1681 Section A 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 explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: GA
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 asked XXXX to validate and check for inaccuracies. They sent me a letter by mail stating that all information was correct and validated. I have done my own investigation and for inaccuracies. I have a right for my credit report has inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information the consumer reporting agency has a responsibility to remove it. 

XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX  XXXX Validate Account US DEPT ED XXXX Validate Account In accordance with the Fair Credit Reporting act these accounts that are listed above, has violated my rights. 

15 U.S.C 1681 States I have the right to privacy.

15 U.S.C 1681 Section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Nissan Motor Acceptance Corporation rewrote my loan in XXXX XXXX. I had to send my signed contract and payment to them by XXXX XXXX, XXXX. I did as directed. XXXX XXXX I was getting calls from collections saying I owe a past due of XXXX and I was told my loan was not rewritten. After speaking to XXXX different people it was determined that my contract was thrown out cause I sent it with the money order. But the contract told me to do so. I was then sent a new contract and had to return it by XXXX XXXX, XXXX with my XXXX payment. I did so even though they started the contract from XXXX instead of XXXX. Now I 'm being told that I have late charges and balance due since XXXX XXXX. XXXX has also reported me late since XXXX when I 've been on time based on the contract. I called the company 4 times in the last XXXX weeks. XXXX mamager said she will call me in XXXX hours after research is done, I was a week and was another XXXX kept me on hold for XXXX + min and no one called me back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
The first correspondence by mail I received from Kohl 's was an account delinquency notification. I promptly went to my local Kohl 's where a store manager helped me contact corporate. Together, we determined that there was a keystroke error on the cashier 's part when the account was initially opened. As a result of that error, I was not receiving monthly bills. At the conclusion of the phone conversation, I paid my balance and the account was closed. I expressed my concern about this confusion showing up on my credit report and was assured that it would not. Fast forward three years when in an effort to take advantage of lower interest rates, I apply for a loan to refinance my mortgage. My credit report states that I have a Derogatory Account : Kohl's/Capital One. I did not know that Kohl 's had not withdrawn their claim at the conclusion of the investigation. I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been a member of Pentagon Federal Credit Union since 2011. I had a checking & saving account and XXXX major credit cards with excellent payment history 's. Around XXXX, 2015 I checked my accountso on line and all my accounts are closed and my credit cards are charged off. I called and had several communication was different representative and they stated that my accounts were closed. They had me down on my accounts as being DEASED. I told the representative that this is a mistake on the credit union behalf. They also told me to provide them with notized document stating I ' am not dead. Okay I swallowed my pride on this situation and send them information to theread office. After about 3 weeks I may coctact with the credit union and they stated that they received my information. At that point nothing did not change. I stated to the credit union also how could you have XXXX major credit cards charge off with a zero balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
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:
There are several accounts that were accessed with my information without my consent or knowledge. These accounts are a result of identity theft and I want to get this issue handled in an expedited manner. There is someone still using that XXXX account and paying it as it was me and another one they are not. this is destroying my credit. Also there are other accounts that I do not recognize ever having or applying or doing business with. Please help me get this resolved.

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 2022-04-10
Company: Mathew Aaron Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I enrolled with a debt consolidation company, GRT Financial in XXXXXXXX XXXX Michigan in XX/XX/XXXX. They were to draft $ XXXX for XXXX months to settle debts on XXXX credit cards I maintained. I cancelled the program XX/XX/XXXX and expected they return 75 % of my contributions per the program. It was explained to me at the outset of the program that 75 % of my payments to GRT would be used to settle the debt with my creditors, GRT would use 25 % for internal admin expenses and settlements. 
Over the 4 months I participated in the program I contributed {$1200.00} to GRT and received a credit of {$500.00}. Not a dime was paid to any of my creditors during this time frame, nor were any of my creditors notified of my engaging GRT to negotiate a settlement as the collection calls from the creditors continued to increase in frequency and urgency. 
GRT misrepresented their service to me, I believe they are scammers, fraudulent, deceptive. I will accept a settlement of {$370.00}, paid by XX/XX/XXXX, otherwise I'm taking this issue to the FBI as it was interstate commerce, and the Michigan Attorney General. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX {$29.00} Date XX/XX/2018 acct endin XXXX In accordance with the Fair Credit Reporting act XXXX 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 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2022-04-10
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX {$29.00} Date XX/XX/2018 acct endin XXXX In accordance with the Fair Credit Reporting act XXXX  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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My name is XXXX XXXX and Im a natural person/ consumer and Im submitting this complaint on the behalf of myself without influence from any third party being involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card
Issue: Credit determination

Complaint:
While using a company called XXXX XXXX to monitor my credit, I was told that I was able to check approval for a new line of credit using a soft inquiry that would not impact my credit. The company ran my credit without my authorization for a company called XXXX by Goldman Sachs that resulted in a hard inquiry of my credit. I did not authorize this company to access my credit reporting file for extending credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX in XX/XX/XXXX/XX/XX/XXXX then ended my services with them in XX/XX/XXXX. The sent me a bill dated XX/XX/XXXX showing : Bill Amount : $ XXXX & Payment Due Date : XX/XX/XXXX Then the following I got a bill for them for an equipment, which my husband had taken back. I sent XXXX XXXX XXXX XXXX a dispute letter. A manager called me and asked to speak with my husband to verify ; I told him that my husband had died XX/XX/XXXX. He apologized and he would close the account because my balance was actually a credit. Now this year I found this account on my creidt report from AFNI a collection agency with a balance of {$780.00}. I have tried without success to convey to this agency that this is a mistake to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a single parent XXXX XXXXXXXX. I have bills, car issues, and Children to raise. My income is no more than {$800.00} a month. I dont understand how I can repay back all of these funds Without a steady income. I have XXXX XXXX  that are keeping me from holding a full-time job. I have been having these student loans one my record since XXXX Here it is 16 years later and I still have these funds that the company want me to pay back. I was told that after seven years that things should have fallen off of my report. This situation has been a big downside for me for housing, jobs, transportation and other matters. At this point I am done and tired of seeing all of these loans on my credit report if I need to file bankruptcy to try to help with this matter then I will need to do so. I just dont have the funds to pay back all these loans that Ive basically used to support my family at one give time in life. I dont feel like this should be a burden on my life any longer. Why cant my loans cant be forgiven? 
Also a lot of those companies that I used loans for didnt live up to their part. XXXX, didnt teach me anything about hair that I always didnt know. All of the equipment that was provided broke and stop working ( tablet, blow dryer, etc ), they also stated that nails was apart of the program but I wasnt able to learn because one of their advisors was allergic to the products. XXXX, lied and stated that they gave me equipment and that I didnt return is a lie. I had a percentage over a XXXX in my class. My home got broken into and even with me trying to still turn in my work, the teacher still failed me to a XXXX percent. So I quit because I tried very hard. XXXX XXXX  I barely made it due to me getting XXXX but with help from a friend and XXXX I was able to finish and I was happy. Then the online schooling was great but my XXXX got bad again and I stopped. Ive taken so many classes over and over again which I felt like I shouldnt had to. Schools like XXXX refused to share my information with other schools and I was XXXX during that time. At the end of this I tried and gave it my all. I really need help for a new being and a fresh start.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Quality Asset Recovery LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i went to check my XXXX XXXX  report as well as my free credit report monitoring sites and there are some fraudulent accounts on my credit that i would like to be removed immediately the following accounts are. 

1.XXXX XXXX XXXX in the amount of {$22000.00} 2XXXX XXXX in the amount of {$1100.00} 3.quality asset recovery L in the amount of {$1100.00} 4.XXXX XXXX  in the amount of {$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