BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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:
This is an EMERGENCY dispute.This needs to be reviewed by a human, and a supervisor immediately..This is a new dispute that will also touch on other violations that is in need of immediate viewing by the staff at XXXXThis is not a duplicate dispute as claimed by the collection agency XXXX XXXX XXXX XXXX do to their immediate actions today to conceal this dispute against them recently in a manner that is profoundly concerning and I feel others may becoming a victim or have been to this behavior and other actions by them -. I chose the closest descriptors to this complaint as the cfpb does not have an option for me to chose coercion against me in a personalized letter to me which is a direct violation of the rules, regulations, laws, ethics and federal agencies as a part here of, have pledged to do after creditors or collection agencies or furnisher that uses any form of communication including, and specifically addressing coercion as one of the most serious violations that a collector could engage and willfully cast upon anyone that has a collection with the so called collectors Company Furthermore, today The same company, XXXX XXXX XXXX, witted themselves in a clever process of spamming replies to CFPB and apparently tagging all responses as duplicates to other complaints that they fell short of, did not resolve, and has not provided one satisfactory resolve to the amount of disputes filed against them - it seems to me that XXXX XXXX XXXX have cleverly learned how to manipulate this dispute process with CFPB as they have for years with the credit bureaus and I have proof that they have perjured themselves many times by supposedly validating the two medical bills in question on my report for years with all three of the major Credit bureaus, according to their many responses to me, but they admittedly told you in a previous complaint that they did not have ang validation documents and they would get in touch with their client the original client and have them send me that informationand guess what- they didnt, but they did send me a letter with content that was wrong, threatening by coercion withs regards to me filing disputes which by the way were all ethical and permitted by law, and now we are bringing to your attention their act of misuse of this CFPB And mountains of proof, I am filing this with CFPB and if the FTC and if this is not addressed immediately I am reporting them to the FBI for the many many issues and their reporting of - to my credit account. I have been more then lenient but the behavior of that company is appealing and is making a mockery out of this entire system and violating my civil rights along the way with no remorse or contribution to the ongoing damages upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get my loan modified with Select Portfolio Servicing. It has been going on for over 3 years. I have XXXX feet thick of repetitive documents being submitted and it is never right and ever enough to them. They are auctioning my home off on Friday and I am scared. I am XXXX and this is my retirement home and my investment. They have broken into my home, they have taken locks off and walked off and left the property unsecured for vermin and vandals. When I approach them they do n't respond except with a double speak response and never resolve or correct. Please help me here so I am will not lose my home on XX/XX/XXXX. they call and I pick up and no one is there. I understand they are preditors. Help me please. they send info to tenants and scare them away so they do n't pay rent. I have put {$100000.00} into the house so far. My phone is XXXX the auction is on XX/XX/XXXX. HELP!! I have also lost substantial reveinue for threats and personal information sent to tenants. 12 months of lost revenue so far at XXXX a month. This would well pay for the adjusted mortgage that I am entitled to. Again, Help. Please e-mail if phone access is not available. Thank you. 
XXXX 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 2015-11-06
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Quicken Loans, particularly has been unresponsive since XXXX/XXXX/2015. I have been trying to call XXXX XXXX who is the representative assigned to me but every time I call him, it just goes straight to voicemail. He tries to call me back but it is always at a time that I am either working or unavailable. I believe Quicken Loans has failed to provide due diligence on my mortgage loan application to move forward with a property I am trying to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a call today from XXXX at DITECH on Thursday, XXXX XXXX, 2016 that my XXXX XXXX, 2016 payment had not been received. I checked with my bank and verified that the automatic payment was sent and the funds were deducted from my account on XXXX XXXX, 2016 the same way that it had been done for years. I told XXXX that I could have my bank contact her. She suggested that I make the payment again while they " tried to find the original payment ''. I talked to her supervisor, XXXX XXXX, and he said that they would track the original payment and contact me within " XXXX hours ''. No one contacted me. So I called on, XXXX XXXX, 2016 at XXXX and they said that they would have to have XXXX call me back. I waited the entire day and she did not call. So at XXXX, I called for XXXX and I was curtly told to hold for her. I waited ten minutes with dead silence and no one responded. I called back at XXXX and the auto message said that there is no one there to help me. On XXXX XXXX, 2016 I spoke to a customer service supervisor, XXXX XXXX. He said that after they had changed all of the account numbers and that it was " a mess ''. But, he promised that my payment would be properly credited by XXXX XXXX, 2016. He also promised to reverse the late charge and to send me an email telling me what had happened. I checked on XXXX XXXX, 2016 and nothing had been done. On XXXX XXXX, 2016 I left a voice mail message for XXXX XXXX. No response. On XXXX XXXX, 2016 I left another voice mail message. No response. Today I received a call from XXXX in the collections department that my XXXX XXXX, 2016 payment was past due. I told her about everything that had happened. She said that she would check into it. Her contact number is XXXX XXXX XXXX. I have also received a collections letter and a statement indicating the past due amount and the late charge.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian will not let me dispute incorrect information 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 explanation
Consumer complaint received 2022-08-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX I wanted to closed one of my account at my bank. Instead of the account being closed the bank add a maintenance fee of {$9.00} in XXXX the bank added another {$9.00} maintenance fee. In XXXX the bank gave me a courtesy credit. 
In XXXX the bank when to my active account under phone transfer and removed {$18.00} from my account. When I send an email to the bank requesting to close the account and return my money the email was deleted. Now the bank has not closed the account and doing the process over again, a {$9.00} maintenance fee for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: WorldRemit Corp.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is about WorldRemit On the XX/XX/XXXX I tried to transfer {$1500.00} money to a family members dollar account in XXXX. The transaction was unsuccessful, I kept getting error messages display on the page about the transaction being declined. However my XXXX checking account was debited immediately. {$1500.00} left my account I have tried repeatedly to call or email WorldRemit to resolve this issue, but its been next to impossible to reach them. The phone answering service keeps asking for a transaction ID number before you can get connected to a representative. This transaction in question doesnt have a transaction ID because it wasnt successful, its been impossible to reach the company to file a complaint. 
The email address they have is a noreply email. 
I have reached out to my bank XXXX and they said there is nothing they can do about that, that everything lies in the hands on WorldRemit. 
Im frustrated and I need my money refunded 2. On the XX/XX/XXXX I attempted to transfer another {$2000.00} to family in XXXX via WorldRemit. I was still met with exact same problem as described above. 

So in all a total of {$3500.00} was debited on my XXXX checking account. I need my money back, my family is facing a serious crisis back in XXXX and I need to send money back immediately

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I sent an email to my lender Mr Cooper Mortgages about relief for people affected by the coronavirus pandemic. No return email has even been sent. On XXXX XXXX I sent 4 seperate messages regarding the same topic through their message center on the website. Only automated massages saying " a customer service rep will contact you shortly '' was sent. No one has every contacted me. 

On about XX/XX/XXXX I called to discussed the same issue. Rather than wait on hold, I opted to recieve a call back. No call was ever sent. 

On XX/XX/XXXX I called and filed a comlaint via customer service. I also was transfered to their diaster relief line. Again after about 1 hr on hold I agreed to recieve a call back. No call was ever made. 

I am on hold right now and it's been XXXX so far. This time I will not ask for a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: ALLY FINANCIAL 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: Problem with personal statement of dispute

Complaint:
I have a 28 year good standing credit report, not a single missed payment - until : 4 years ago I started a lease with Ally XXXX  and I paid the original payment through their web portal. After the payment I signed up so that the bank information was taken over for ACH. Ally must have had a technical problem with their web interface at the time, because the initial ACH didn't work. The company immediately filed a missed payment on my credit report. I have not missed a single payment after the setup incident, I bought even out the car, all without a problem. But neither 3 1/2 years ago nor now, did my request for removal of the credit report fall on open ears with Ally XXXX, who are on the Internet found with many complaints of similar nature. Ally is in the business of destroying their customers even for faults that they generated. 
I would like to get this resolved. 
regards XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
GreenTree sold our mortgage to ditech after my father passed away 10 years ago. They chane our payment rates, have us late every month, and refuse to transfer ownership via probate order. Now they are refusing to take any payment from us.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
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 noticed that I had a repossession years ago that still remained on my credit. According to law the maximum amount of time this account can remain on my credit report is seven years. So I sent a dispute on Experians website requesting a removal. Upon reviewing results I was XXXX off because I noticed that experian said the account will still remain. They never looked into my concern Im requesting 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 explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$5100.00}

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 2017-10-13
Company: ACS Education Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Last XX/XX/XXXX, I called ACS two months prior to my forebearance ending to see about putting my loan in forebearance another year. I have not worked since XX/XX/XXXX and I had to file for XXXX. My hearing for XXXX is in or around XX/XX/XXXX. By then, I will know if I have an income or not and begin making payments. I fully intend on paying my loan back. I had been paying on it on a regular basis for years without missing a payment. However, after my XXXX in XX/XX/XXXX, I have not been able to go back to work and filed for XXXX. 
Last XX/XX/XXXX, when I called ACS to find out my options for another forbearance, they emailed me the form same day. It was confusing so I called them for answers, telling them no change from last year and I was advised on how to fill it out. I sent it back regular mail in XX/XX/XXXX. I did not hear anything back either by regular mail or email. I called yesterday afternoon and I was told it was denied. I asked when. She said XX/XX/XXXX! She also said they put you on another program. I said wait a minute. I 've done everything they have asked me to do and they ca n't even notify me correctly of their decision and they want me to pay when I do n't have a job? She said to fill out the form again. She was n't knowledgeable in helping me fill out the form right. I lost confidence in ACS. They never used to be this bad. I am requesting another year of forbearance. I have yet to receive the response they said they sent me denying the forebearance so I have nothing to attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: GA
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:
How continuously reached out to the companies to the bureaus and still have not gotten a resolve even after I submitted disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am victim of identity theft and I am not a credit agency place

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Certified Credit Reporting, 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:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have the following inquiries on my Transunion credit report that should be removed. I did not apply for credit with the following companies and some that are on my report are over 2 years old : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX AXXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX & XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 11. XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 12. XXXX XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 13. XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 14. XXXX XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 15. XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 16. XXXX XXXX XXXX  XXXX XX/XX/XXXX ( 2 years this month, should come off ) 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 23. XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XX/XX/XXXX 25. XXXX XXXX XXXX XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX 27. XXXX  XXXX XX/XX/XXXX 28. XXXX XXXX XXXX XX/XX/XXXX 29. XXXX XXXX XXXX XXXX XX/XX/XXXX 30. XXXX XXXX XX/XX/XXXX 31. XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XX/XX/XXXX 33. XXXX XXXX XX/XX/XXXX 34. XXXX XXXX XX/XX/XXXX 35. XXXX XXXX XX/XX/XXXX 36. XXXX XXXX XX/XX/XXXX 37. XXXX XXXX XXXX  XX/XX/XXXX 38. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 39. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 40. XXXX XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXX XX/XX/XXXX 42. XXXX XXXX XXXX XX/XX/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 2015-12-31
Company: HireRight Solutions, Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
They said I lied on a job application saying no to being a XXXX and I got denied work. I did get charges but I have not pled guilty to them and I am not a XXXX yet. My attorney has already got all charges dropped but XXXX and I 'm still going through the process of getting the last XXXX dropped. The hireright company that claims that I am a XXXX also sent documents that there was no court sentence. If I was XXXX there would have already been a court sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im a victim of identity theft someone got hold of my XXXX credit card and used it, when I first noticed it I called the company right away and they canceled my account and sent me a new card. And they still wants me to pay for something I didnt use

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am victim of identity theft and I am not a credit agency place

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