BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: VA
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:
The credit reporting agency- Equifax has refused to correct my issue of fraudulent information, has inaccurately quoted what my request is ( i.e., stated that I would desire them to " block '' versus appropriately remove inaccurate, fraudulent, negative information from my credit profile ) and have violated my consumer rights as they have failed to investigate and provide proof of their investigation of the negative information reported on my credit profile ( i.e. 30-days under the Fair Credit Reporting Act- with limited exceptions which the reporting agency does not meet ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX has a loan with Green Tree. XXXX XXXX had got behind due to some financial difficulties. XXXX XXXX called Green Tree and spoke to the lady over his account, # XXXX, XXXX XXXX XXXX XXXX had to call me on the phone XXXX way, meaning XXXX XXXX, XXXX and myself were all on the line at the same time but at different places, to verify him using my debit card. I told her that I did verify the transaction of {$3400.00}. XXXX XXXX XXXX ran the transaction and she said the it would not go through because my bank probably had a limit set. I asked XXXX XXXX if I could just give her my account information and do it as an ACH, XXXX XXXX then put XXXX XXXX and I on hold to ask her boss if she could do that. XXXX XXXX returned and said that her boss AGREED and I gave XXXX XXXX my information and she processed it. Green Tree took the {$3400.00} out of my checking account on XXXX/XXXX/2015. XXXX XXXX told us that all legal and late fees would be added to the end of the account and it was up to date. Next payment was due XXXX/XXXX/15. 
On XXXX/XXXX/15 XXXX XXXX called XXXX XXXX to get his account set up online so that XXXX XXXX could make payments online, and was told by XXXX XXXX that XXXX had bought out Green Tree and they was not excepting the agreement that was made and that the money would be put back into the account that it was taking out of, XXXX XXXX stated that it was start Tuesday XXXX/XXXX/15?!?! XXXX XXXX also stated that she was no longer over the account and could not help XXXX XXXX. As of today XXXX/XXXX/15 my money still has not been put back into my account. Not only was an agreement made and money already accepted, when XXXX XXXX and I call about the account and money, XXXX XXXX and I are put on hold and transferred to others representatives that can not tell us where the money is. I, myself, called today XXXX/XXXX/15 to XXXX Ext. XXXX and spoke to a XXXX. XXXX XXXX verified account number, phone number and asked who he was speaking with and I told him that I was not on the account but I had XXXX XXXX hear beside me. First thing he said is the account is {$3400.00} behind how would you like to handle this. My response was that I had already paid that and it was being returned. Then after I tell XXXX XXXX what is going on he then tells me oh I see and yes now with XXXX they do require legal and late fees up front. Why was that not told in the total then? XXXX XXXX was told that {$4500.00} is due by XXXX/XXXX/15 or they are taking his home back. I want my money put back in my account ASAP and not every will I ever do business with XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX, back on XX/XX/2021, I submitted all proper documentation to all 3 credit bureaus that I had been a victim of identity theft and including my reports, my dispute documents and a police report and Identity Theft affidavit. The bureaus have done nothing to help me remedy this situation, they didn't send me any correspondence, and therefore have violated the FCRA, that protects us. Should I remind you that even you all have conducted the study and stated that the bureaus have failed on so many levels to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was in a contract to pay my credit card debt of {$12000.00} through " XXXX XXXX XXXX XXXX '' for 3 years. During the XXXX year, we had a flood. I lost my car, got {$14000.00} to pay off my credit cards right away. I paid XXXX XXXX in full, for my debt. They came back and said, we only paid off your {$10000.00} credit card, and you have to pay us {$300.00} a month for the next 3 years, to pay off your remaining XXXX {$600.00} credit cards. I stopped all payment, since I paid them for all this debt in full, in cash already, which is now on my credit score! I want this debt erased, because of this fraud, all of it! I already reported this to the BBB! The debt in question is from 2008!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is in response to your claim that it is not me submitted the complaints to CFPB and despite it was just closed requiring authorization although I have submitted my ID and Social Security ID to certify that it was me submitted the disputes. Again, the below items are highly injurious to my credit rating so they must be erase from there in no time.I would like you to remove and delete what is detrimental to my credit report. If you continue your willful non compliance with the law I will file a small claims from your company for violating my Consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/2021 I submitted an investigation and requested a debt validation. Equifax failed to properly investigate the account and remove the inaccurate and unverifiable information from my credit report. I submitted a debt validation request to the original creditor using the same information listed on my credit report and they responded back saying they were unable to located an account with the information provided. 

How is Equifax able to verify, report, and update account on my credit report but the creditor dont have any information regarding this account? 

I am requesting that this account be removed immediately for failure to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: NV
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:
There is a late payment reporting on my XXXX XXXX account. As you can see I have had this account open for years and never made a late payment and there is not one single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TransUnion report issued date : XXXX/XXXX/XXXX, file number XXXX. Logged in at XXXX on XXXX/XXXX/XXXX, and the accounts listed below are still being reported. According, to the aforementioned report, the items were supposed to be deleted in XXXX. 
Collection Account : 1. ) XXXX XXXX XXXX Remove- listed in duplicate on report, this is already listed/assigned to a new agency- XXXX. 
2. ) XXXX XXXX XXXX XXXX supposed to be removed XXXX 3. ) XXXX XXXX {$6100.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 4. ) XXXX XXXX {$22000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 5. ) XXXX XXXX {$26000.00} ( opened XXXX/XXXX/XXXX ) - supposed to removed XXXX 6. ) XXXX XXXX {$40000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 7. ) XXXX XXXX {$39000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed 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 2022-02-01
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Have been with Quicken / Rocket, approx. 20 years. Never missed, never late that I recall. Rocket contacted me to refinance. the process was pure harassment, start to finish. Bank statements, back to many years, identity checks that were ridiculous. '' Is this you in the photo? verify that in three ways. Do you swear that is you? Do you know XXXX XXXX? Who is he? Where does he live? Did you own a 1997 XXXX XXXX. This harassment went on for at least 2 months. This after a long term, stellar record with the company! All was unnecessary, they already had every detail of my life, and I mean everything! Finally complete, and the new deal was a benefit. Presently, Rocket is attempting foreclosure. I am behind by a measly, {$1600.00}!! Incredible!!!! This because I have 2 very debilitaitng medical conditions, which cause horrible pain. Traditional medicine can do nothing. I need XXXX XXXX XXXX, which are not covered by insurance. I need XXXX the wife,XXXX, totaling {$140000.00}. So, I have channeled the cash to finance this, very critical solution. Mr . Rocket, would do no different. A person can stand only so much physical pain. I have contemplated XXXX XXXX seriously contemplated it! Please sanction, please fine heavily, please force positive changes! I am a tough XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bucked off, onto my face, broken bones, been badly burned and more. But this, this is XXXX ON EARTH!! Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I purchased a home located at XXXX XXXX XXXX, XXXX XXXX, Hawaii XXXX with a VA loan from XXXX XXXX XXXX. In XX/XX/XXXX, I refinanced the loan with an interest rate of 3.25 %. This is a 30 year mortgage with a fixed interest rate. Later, the servicing of my loan was assumed by Freedom Mortgage. Freedom Mortgage started sending me monthly Mortgage Statements that read : Interest Rate ( Until XX/XX/XXXX ) 3.25 %. I called Freedom Mortgage many times to inquire as to why theyre reporting that my interest rate is only good until XX/XX/XXXX. Ive gotten very different responses from them over the phone, such as Your rate is fixed, I dont understand why it says that or This probably relates to your active-duty military status and the Servicemembers Civil Relief Act not your interest rate. These answers are non-responsive and do not accurately correct their records to correct that my interest rate is not good until any daterather, it is the interest rate for the duration of the loan. They should not be sending me a monthly mortgage statement that says that my interest rate is good until any date. I want this corrected in all of their records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: The Outsource Group, Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously filed a complaint and this debt collector provider my medical information/documentation as " proof ''. This is a complete violation of my HIPAA rights. I did not authorize this company to gain possession of my medical information. Also, if this is " debt '' that is mine, it is with the original creditor and not Medicredit. If Medicredit purchased my supposed " debt '' from the original creditor, it is now considered paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: DISCOVER BANK
State: CO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My Discover card, # XXXX, exp XX/XX/XXXX, was issued with a micro chip to replace my prior card. In that process Discover either erased or did not transfer my information from the prior card XX/XX/2016. Then I received my bill for that month of {$14.00} -- the entire balance of the account. I called in by phone and paid the account with the bank information on file with them for at least the last five years and received confirmation for the payment. The next month I received a bill again for {$14.00} but I did not contest it because I thought the payment had just not yet been posted. XX/XX/XXXX when the bill came it was on the bill again, a charge for {$14.00}, and I called to find out whether there was some error, some recurring charge I did not approve, so I talked to a representative by phone and paid the bill again! I clearly stated that this seemed to be the same bill as the month before, no research was done by the rep and payment was applied again. XX/XX/XXXX when I received the bill again for the third time I asked if it could be researched as I had not charged anything on that account since XX/XX/XXXX. The rep came back and said that when the card was replaced my bank account on file had been deleted so it was showing as an unpaid balance! I told her that the rep XX/XX/XXXX or at least XX/XX/XXXX should have told me this and there better not be a ding on my credit. I gave her my updated bank information, the {$14.00} was debited against the account and then I was dinged -- this was put in my credit file with all three credit bureaus bringing my credit score down over XXXX points! There is an audit trail of these events, I wrote Discover and asked them to remove this as it was their error that they removed my banking information and they did nothing. I am tempted to get a lawyer on this because this should be removed from my credit file by Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My daughter had chosen to attend the XXXX. In one day, we attended an informational meeting and were steered directly to the financial aid department. Without much information, we stupidly signed papers so that she could attend the school of her dreams. It has turned out to be a nightmare. We took out a Parent Plus loan at that time and after graduation, she has made payments. Then, life got in the way ... she got married and has XXXX children. Like everyone else, she finds that child care is too expensive so she has cut her hours down to accommodate her husband 's work schedule. This payment continues to balloon. At one point, she was paying approx. {$300.00}. In XXXX 2017, the payment will be almost {$600.00}. She can not afford this. I am only able to help with a small bit of help. Is there any way to refinance this beast? 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Global Lending service Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.

It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX service takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: OneMain Finance Corporation
State: PA
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:
It has come to my attention that One Mani Financial Union has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. 
It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I filed Bankruptcy, Chapter XXXX in XX/XX/XXXX, the mortgage was included and the mortgage was foreclosed XX/XX/XXXX and a Sheriff Sale was held. Since that time Ditech Mortgage has sent me monthly statements with the deferred portion of the mortgage owing with additional charges added to the deferred portion of the mortgage. I have called them repeatedly about these statements to no AVAIL. Ditech claims these notices are for informational purposes. My concern is if, I am able to REEDEM the property, Ditech will place a lien on the property for the deferred portion of the mortgage. The total dollar amount of the mortgage balance was {$67000.00} the law firm of XXXX., XXXX XXXX MI, XXXX. Their phone # is XXXX. This mortgage was modified with XXXX. XXXX XXXX, as trustee for the certificate holders of the XXXX inc., Asset-Backed Certificates Series XX/XX/XXXX-XXXX, listed for mortgage sale. The modification was for an ARM. {$56000.00} the principal balance and {$16000.00} of the principal balance to be deferred for approximately 21 years due in a balloon payment. Ditech was not known to me until the court hearing and Ditech appeared in court to contest the stay of the Foreclosure Sale on XXXX. At this time I have received monthly statements from Ditech Mortgage. Is this a form of intimidation? Was this a MERS mortgage?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have student loans dating back to my years in college XXXX. The loans have been sold across XXXX different services in that time and my direct withdrawal gets canceled and I end up paying app kinda of late fees etc until it got set up again. The latest servicer. American education services, has taken received over {$12000.00} in payments and yet my loan amounts each went up over {$4000.00} not down

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: ID Analytics, Inc.
State: PA
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:
It has come to my attention that XXXX XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). 
As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. 
It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company response to consumer: Closed with explanation