BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-07
Company: Debt Recovery Solutions, LLC
State: PA
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 paid XXXX {$93.00} to settle this debt in XXXX 2013 and provided the collection agency with proof of the check that XXXX cashed on XXXX/XXXX/2013. XXXX agreed to a pay and delete from credit report, but it looks like the debt was purchased after the check was cashed by XXXX. I gave the company notice that this debt was paid in full and they still have NOT removed this from my credit repot at all XXXX agencies. This is illegal for them to try to collect a debt that has been paid, and furthermore to report negative 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 2015-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have been making payments with an external checking account through the issuer 's website or third-party bill pay service to my credit card. Unknown to me, I was not able to make payments after I opened a checking account with the issuer, which there was no sign or warning that the service has been redesigned. I ended up calling the issuer to make a phone payment, which was considered late due to time zone difference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2015-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have inquired with XXXX XXXX XXXX who is the original creditor on this old account who stated that they are no longer reporting this account on my credit report thus I should dispute and request a deletion of this from the bureau directly. However, my numerous attempts to get this account deleted from my experian report even after I have supplied them with the letter from my creditor directly that stated they are NOT reporting this on my credit report anymore. Phone calls were a waste of time I was never able to get ahold of anyone after XXXX hours of being on hold. Their website is unresponsive and I keep getting these auto generated mail from experian stating they have verified this acount however, XXXX XXXX XXXX stated they did NOT verify any information on this non-existent deleted account ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial LLC f/k/a Greentree services my XXXX mortgage. 
During XXXX we have paid Ditech {$35000.00} in payments that they have neither credited to our account nor refunded to me. 
We have sent them multiple letters requesting an accounting or refund of these amounts and have received letters saying they are " looking into it '', but no resolution to date. 
These payments were made beginning XXXX XXXX, XXXX, so they have been holding, and presumably diverted, my funds for at least 8 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Using a modification plan we complied with all they asked for & were told we would receive help. Big deal. We received a modification congratulations that we had complied & our modification gave us the same XXXX high ) interest rate & a {$20.00} per month payment reduction. We have been trying hard to save our home until we can sell as we have a lot of equity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech 's website provides erroneous information, does not work half the time, tells me a false payment amount, provides a customer service number hat hangs up immediately -- dear XXXX, ca n't you do something about this completely incompetent organization that I never chose to do business with?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Earlier today, XXXX/2017, I applied for a loan on-line with Big Picture Loans. When I was nearly finished applying, they quoted payment plans with APRs of at least 555 %. I did not select any repayment plans or loan amounts. I also called customer service at XXXX. I firmly said that I was disgusted with their usurious APRs and did not want a loan from them. Soon after, I received an email stating that I was being considered for a {$470.00} loan. I immediately replied that I refuse ANY offer, and that I have contacted the FTC and CFPB. I then received an email from Big Picture Loans Support, stating that they have cancelled the loan. These emails have been copied and pasted below.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my wife died XX/XX/XXXX and I sent copy of death certto Green Tree financial and requested loan be in my name only, title to property was also changed to my name only. Green Tree change loan to reflect this. XX/XX/XXXX I filled for bankruptcy and Green Tree changed the loan back to XXXX our names and refuse to change it back to my name only, also they issue all tax statements in my wife 's name. Can not understand how they can carry this on since my wife is dead and I pay all bills and all tax statements should be in my name, how does a company issue tax statements and loan info two years after some one has passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: Debt Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from Debt Recovery Solutions. The funny thing i that they are collecting for XXXX 's which was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all XXXX credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. Someone used my personal information to obtain credit. I am disputing the items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pay more than {$3000.00} per year for health insurance through Medicare and XXXX but XXXX XXXX Medical Center has never billed my insurance for an amount of {$3300.00} due to ER care. Further they tell me that the Insurance company representing the party that rear ended me has already settled with me but they have not bothered to document that claim. I am represented by an attorney and the claim is pending so the debt is legally that of the Insurance company for the other party. The visit to the ER is billed out in XXXX parts-one for the use of equipment and XXXX for the medical treatment. XXXX XXXX XXXX provided treatment, billed my insurance and has been paid. At the present time XXXX XXXX Medical Center has placed their account for collection and I have been reported to XXXX and XXXX. In my opinion, XXXX XXXX has denied due process ( filing with my personal insurors ), has unfairly damaged my credit rating which dropped XXXX points because of this reporting, is ignoring Medicare provisions for special payments to medical facilities in cases where the insurance payments are delayed in processing, and are engaging in a form of black mail to effect payment from me that I am not responsible for. I contacted the billing department at XXXX XXXX on XXXX XXXX, 2016 with full documentation of everything above but have not received any information back from them. I should not have to pay for someone hitting me from the rear when I was stopped at a traffic light. This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
check system put an acct on their file that was taken care of in 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 2017-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
While booking a flight with XXXX, I was targeted for a XXXX miles + {$100.00} bonus ( after a minimum spend of {$1000.00} in first 90 days ) for the XXXX Visa Signature card. Seeing the alluring offer and the great bonus that would have reduced the cost of my current purchase, I applied via the online application and got approved after the usual credit check. I proceeded to use my newly approved credit card for my XXXX purchase - and all went smoothly. 
After about an hour of not receiving any email from Bank Of America ( the credit card issuer ) or XXXX congratulating on my approval, I searched the internet about the reviews of the credit card and found a cautionary blog ( XXXX/ ) informing me of the unethical advertising scheme that I just got trapped into. The author writes about his experience of applying for the Visa Signature card ( with XXXX miles + {$100.00} bonus and plenty of frills ) but getting approved for the " Visa Platinum Plus '' card - which is a lower end credit card with NONE of the advertised benefits or bonuses applicable. 
Really wary of this fraudulent marketing, I called up Bank of America reconsideration line and the consumer representative confirmed that I was not approved for the Visa Signature card but for the inferior Visa Platinum Plus card - which has none of the bonuses/benefits that led me to apply for a new card in the first place. The Visa Platinum Plus card does not appear on Bank of America/XXXX websites and there was no way I could have known that I would be getting no benefits at all. 
I am reporting this swindling " bait-and-switch '' marketing plot by Bank of America/XXXX where consumers are lured by high bonuses and embellishments but are not informed that they will be approved for the worthless inferior Visa Platinum Plus card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I do not now nor have I had an account with XXXX. This is a non existent invalid debt.

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 2017-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have a credit monitoring service with each credit service, XXXX and XXXX are using the vantage score XXXX with a XXXX score range same as Transunion. But XXXX & XXXX both have my score in the high XXXX but Transunion has my score at XXXX. I tried to get an explanation from several people from TU but only answer I could get from them including supervisors, was that it must be something on my report and they have a different rating system. The last supervisor I talked with could not explain and then began to argue with me. So I canceled my monitoring service with them because since late XXXX until current date my score with them has either stayed the same or gone down a few points when everyone else has gone up XXXX - XXXX points since I have 100 % on time payments and XXXX ballance on most of my credit cards. No late payments, only use less than 18 % of my credit at any given time and have had credit for over 15 years. Transunion could not give me any reason for their score going down or staying at the low #. The man I talked with said that the score had changed and since my membership just ended 2 days ago, I would have to pay {$9.00} for them to mail it to me. They could not tell me if it had gone up or down. I feel they are not doing their job and reporting correct information and everyone I had talked with was very rude with no people skills at all. I know that they are partnered with Creditwise which is XXXX XXXX and they are reporting my info wrong. I would like an investigation to their service. I also know that they want to charge {$39.00} for an all XXXX brueau report and the others only charge {$29.00} when you are a member. I am attaching a copy of my XXXX and I have a hard copy of my Transuinion if needed.

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 monetary relief
Consumer complaint received 2015-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 've called Transunion interactive department and annual credit report and explained to XXXX them that I 'm not able to access my Transunion report online each year and have to have copy mailed. I want to view my report online as I do with the other XXXX credit bureaus XXXX XXXX. I 'm able to view these credit reports online, but not Transunion and nobody has been able to help with this issue!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Approximately every XXXX months ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I get a hard credit inquiry from XXXX. I have never authorized this hard credit inquiry and I would like this company to stop making hard credit inquiries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX I became aware of a {$400.00} collection action on my Transunion credit report for a debt that was not mine. I disputed the issue to TransUnion without success. I complained to the XXXX Office of Consumer Protection and the collection action was removed based on a response from the vendor, XXXX XXXX XXXX, which I have attached. 
In XXXX I became aware that the same {$400.00} debt was back on my Transunion credit report under a different collection agency. I complained to the Office of Consumer Financial Protection ( Case Number XXXX ) and received a response from the collection agency ( attached ) that the debt is not mine and that a different name is on the account. 
I noted that a name I have never used, XXXX XXXX, is listed on my Transunion credit report. This is an error I believe arose from the erroneous collection action in XXXX and it should not be on the report. 
I need the {$400.00} collection action removed from my Transunion credit report. I also need the incorrect name, XXXX XXXX, removed from my Transunion 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 2017-10-11
Company: PENTAGON FEDERAL CREDIT UNION
State: IA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I twice disputed with XXXX a line of credit loan that originated with Pentagon Federal Credit Union in XX/XX/XXXX and paid off in XX/XX/XXXX, in which I requested removal of late notations on payment history on XX/XX/XXXX in a letter to Pentagon Federal Credit Union. The letter spelled out the reasons I thought payment history notations should be deleted. 

In the meantime I received an undated and unsigned letter with the envelope dated XX/XX/XXXX from  Penfed 's mortgage records department with closing papers from this old loan signed by me in front of a notary XX/XX/XXXX. The letter stated that an audit had revealed that I never received these closing docs back from Penfed after closing. 

This loans purpose was to establish a line of credit for me as part of a modification of an existing loan to be paid off. The interest rate was more than if I was to do a regular fixed rate home equity loan but found it attractive that I would be able to use excess for a line of credit as needed. Unbeknownst to me because I had no loan papers from Pentagon Federal showing they closed my line of credit a week or so after I closed on loan and I would n't be able to use the loan as I expected. This would have come in handy in months where I was short and could have made a payment. 

I believe there are issues with Regulation Z compliance regarding how the closing docs were n't released 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 2017-10-11
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Pioneer Credit Recovery has continuously attempted to contact me after I informed them the debt they were trying to collect was not valid. They contacted my employer several times, they contacted my family, they contacted friends. They even contacted distant family members that live out of state, and one of my friends at their place of business. the overall harassment is not only  embarrassing, but incredibly stress inducing.

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 2015-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
a legal item is on my Transunion credit report, it is my father 's we have same name but of course not the same ssn

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion shows XXXX account as C/O ( Charge Off ) whilst it was paid in full.

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 2016-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
My complaint is about www.annualcreditreport.com. XXXX worked fine ; Trans Union said they were having technical difficulties and I had to request the report by snail mail. XXXX also said I had to request the report by snail mail. XXXX particularly asked identify questions that were such ancient history or so trivial I could not get them 'right '. For example, we had a loan with Bank X that was then bought out by Bank Z, but I could not remember when the buyout was so I got the answer 'wrong '. This is hardly the way to get accurate information to prevent oneself against identity theft!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief