BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-24
Company: Atlantic Recovery Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A gentleman named XXXX XXXX continues to call my place of employment along with my husbands place of employment after being asked repeatedly not to. I work at a hospital and he tells the operator where he is calling from and that is a personal matter. I have to be paged and it is keeping me from doing my job

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS IS NOT A REQUEST FOR ANY FRAUD ALERT OR SECURITY FREEZE I AM ASKING FOR COMPLETE VERIFICATION UNDER MY RIGHTS AFFORDED TO ME UNDER SECTION 609 OF THE FCRA THAT STATES YOU AS THE CREDIT BUREAU MUST HAVE ON FILE PHYSICAL DOCUMENTATION OF WHAT YOU ARE REPORTING. EVERY TIME I ASK FOR THIS YOU SAY I MUST CONTACT THE CREDITOR. IT HAS COME TO MY ATTENTION THAT YOU ARE ATTEMPTING TO VERIFY THROUGH AN ELECTRONIC PROCESS " XXXX '' THIS DOES NOT PROTECT ME AS A CONSUMER. YOU STILL HAVE XXXX ACCOUNTS LISTED ON MY CREDIT REPORT THAT CAN NOT BE VERIFIED BY PHYISCAL DOCUMENTATION. I HAVE CALLED XXXX AT XXXX AND SPOKE TO XXXX and according to his records they do not have an account on file with physical documentation, he said and I quote, the account ending in XXXX is not on file, it has been charged off with no record confirming the validity of the debt. So if this is the case then how can you say that you have verified it. You can not but you are deceiving me as a customer and causing harm to my financial well being. XXXX account being listed by you that can not be verified is XXXX XXXX. Spoke to XXXX in their closed accounts department, she said that this account has been charged off and there is not record of it in their system. She could not verify based on information given to them that the account even existed. When I asked for a signed contract she said, I am sorry we do not have that on record or file, I asked how she could confirm that the account was mine, she could not. This account ending in XXXX can not be verified by me, so how can it be verified by you. It can not but once again let the record show that this company has been fined XXXX dollars for placing fraudulent information on credit reports. They said just recently they promised to do a better job of not deceiving their clients. I would say this is a perfect example of how they have lied and will continue to lie. REMOVE THESE XXXX ACCOUNTS IMMEDIATELY

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 2016-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Servicing and XXXX XXXX XXXX have attempted twice to foreclose on the principle amount of {$970000.00}. I had modified with XXXX XXXX/XXXX/09. The principle amount then was {$910000.00}. Select Portfolio monthly mortgage statements show the principle amount is {$840000.00}. Why the disparity in amounts? I have complained multitude of times. I have had two trustee sale dates. I have proven to SPS that they are in violation of Dual Tracking. And they claim they did not. I have documentation from XXXX XXXX XXXX recording a trustee sale date while I am in the Modification Loop. What can I do when they deny and deny the accuracy of the sale date county recordings and the ongoing documentation request for the pretend modification? Do I send you all the proof of the first sale date? 
Does SPS have the XXXX information. Where is my true Deed of Trust and Note? And now where do I go with the Dual Tracking proof?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: BB&T CORPORATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
BB and T returned a {$400.00} check presented on a day a monthly electronic deposit of {$500.00} went into my account. My bank statement does not identify the returned item and states " XXXX items '' were returned. They provided no explanation for the return and charge my account a {$36.00} fee. Sent the bank an internal inquiry and they did not respond.

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 2015-07-31
Company: GUARANTEED RATE INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Broker created a bait and switch, had multiple errors throughout the process ( APR pricing, closing costs, dates ), requested the same documentation multiple time and intentionally delayed the closing by being unresponsive, unprofessional and unclear. 

Through the underwriting process the Broker had several errors in pricing, costs, dates, had several oversights in documentation already provided, requested the same information from multiple sources all in an effort to intentionally delay the process. Broker was also unresponsive for long periods of time. 

Ultimately, he intentionally delayed so that he could raise rates and costs. 

Bait and switch, pricing and costs transparency, did not operate in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Worth Finance Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I previously submitted a complaint on worth finance for inaccuracy reporting and they responded back stating that they are reporting in compliance with fcra laws. My credit report is still inaccurate and is reflecting as a recent charge off with late pays being reported after the account was closed and charged off. I attached a picture of my current report showing the inaccuracy that they verified was correct and below is their response to my initial complaint. 

Worth finance said : Explanation of closure Worth Finance Corp ( WFC ) Statement : WFC has provided a redacted Account Reporting Review ( ARR ) Which shows the accuracy in our Credit Reporting regarding XXXX claims. WFC has provided redacted CDV from about XX/XX/XXXX which shows Accuracy in our Credit Reporting. Noting that our First Date of Delinquency shows as XX/XX/XXXX which show favor to XXXX. WFC has verified coding to CRA that show " Completed Investigation of FCRA Dispute- Consumer Disagrees '' XXXX ( XXXX ) opened a New Loan with Worth Finance Corp ( WFC ) on XX/XX/XXXX XXXX terms were 12 monthly payments, 1st payment due XX/XX/XXXX, her pay record is as follows ; XXXX made her first payment on XX/XX/XXXX, the payment covered her XX/XX/XXXX and XX/XX/XXXX payments with remaining applied to Payment due on XX/XX/XXXX. 
XXXX next paid on XX/XX/XXXX ; proceeds from payment along with credited overpayment on XX/XX/XXXX paid her XX/XX/XXXX payment due, however she remained past due for XX/XX/XXXX and XXXX. WFC Charged off her Balance on XX/XX/XXXX. XXXX First Date of Delinquency would be XX/XX/XXXX because although XX/XX/XXXX made and additional payment on XX/XX/XXXX, she never brought the Balance out of Delinquency since XX/XX/XXXX ( First Date of Delinquency ). 
On or about XX/XX/XXXX XXXX sent in a Consumer Dispute Verification ( CDV ) to XXXX stating " This account is inaccurate charge off accounts can only update status as per fcra and it is reporting late payment history on a 4 year old charge off please delete '' WFC investigated the CDV and upheld it per Fair Credit Reporting Act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i was contacted by the iq data international folks I was told by a rep that the property was purchased by a different company and that because it was owned by a new XXXX that they needed to cover the debt I agreed that I could make payments as I was doing previously then the next week I was contacted by a XXXX XXXX stating that I was needing to make a full resolution of the amount or they would make some thing bad happen when I inquired about the " next action '' I was told nothing I agreed to attempt to make a payment they withdrew an incorrect amount from my account throwing my whole account into turmoil when I had called before the check went through stating I could make part then and part in 2 weeks then he said ok then I was contacted XXXX by XXXX again stating that he was mad the check did n't go through and if I did n't rectify the situation then he would go forth with further collections activities when I asked for proof of the debt he said he did n't need to provide that

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down XXXX over XXXX points.

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 2015-12-01
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently pulled my credit report and noticed that there 's a collection from the agency. I have never been notified of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had a Toyota Corolla leased with Toyota Motor Credit Corporation. The vehicle was returned on XXXX/XXXX/2015 and I drive a XXXX now, that i have with TMCC employee lease program. I have received several phone calls from a debt collectors named XXXX XXXX and XXXX XXXX at my job and at my cell phone during work hours after requesting the company to stop harassing me as my vehicle was returned and no debt remained. I have sent several documentation that my husband and I drive a vehicle thru TMCC and pay for it and i was told that if you trade a Toyota car for another one, that any fees would be waived. Once all my information was sent and calls stopped. Months later, I received another call from a different agency. I have never received any responses or letters in months since XX/XX/XXXX - I received a collections call on XX/XX/XXXX about this debt once again after i sent information and gave proof I was a driver of a Lexus, along with a copy of my driver 's license and my husband 's and mine and the new vehicle contract. I should not be receiving phone calls after asking for the calls to stop, and after proving.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03
Company: PNC Bank N.A.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am trying to obtain a lien release. The original loan was issued XX/XX/XXXX by XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NJ XXXX. The loan was paid off by XX/XX/XXXX. Unfortunately I can not locate my payoff letter/lien release. XXXX XXXX is no longer in business and the successor bank is PNC. When I contacted PNC they had no record of me or my loan/lien and refused to further assist me. My vehicle is now 25 years old and eligible for historic plates however NJ Motor Vehicles will not issue historic plates without a title and will not issue a duplicate title without a lien release. Please help me get a lien release letter from PNC. Thank you

Company response to consumer: Closed
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed over and over the public record information has on my credit file. I did not know I could view PACER myself and now I have. The information TransUnion and XXXX are reporting on my credit file for USBK Court Southern Texas Docket # XXXX and USBK Court Southern Texas Docket # XXXX is not mine and needs to be removed under the FCRA 623 ( a ). In PACER these bankruptcy cases show an address in XXXX that is not mine, and is not on my credit file because I do not and have not lived at the address listed on the bankruptcies mentioned above. In PACER the information for the above bankruptcies does not show a date of birth so how are these accounts being tied to my date of birth and there are only the last four digits of an SSN so how is this information be tied to me? The information in PACER for bankruptcy case # XXXX, XXXX do not have a full SSN, the address shows is not mine and there is no date of birth to confirm. How is is being determined this information is mine? How is this information being validated and proven accurate as belonging to me and on my credit file? Whomever is responding to these complaints is not doing their research, not reading my attachments and is giving me a waste basket response. THESE PUBLIC RECORD ACCOUNTS ARE NOT MINE.

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 2022-10-01
Company: Experian Information Solutions Inc.
State: PA
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 recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: 4M Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Discovery Financial is trying to collect form me XXXX XXXX. I was only an authorized signer on account. My father XXXX XXXX was the actual account holder, he is the only one that signed up for the account. Ive tried numerous times to get Discovery financial to send me a copy of the SIGNED application. They can not provide it. They can only provide a bunch of statements where I did make the payment or signed for tire changes or things of that nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: ECMC GROUP, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Through the attached communications I am slightly confused by who is the correct person and/or agency to answer the questions that I have concerning the loan and thus, I am forwarding to CFPB to get the answers to the following questions : 1 ) confirm that the ECMC added " collection cost '' fees are payments that they are requesting be made for the skip-tracing tactics that you used to collect the debt including calling references and those not listed as my references in the original loan? 2 ) why would Navient, and not ECMC be able to answer the question in regards to how ECMC defines what the collection cost ECMC is charging in the prior email? 3 ) What is XXXX current role in regards to the debt ECMC bought from them? 4 ) Is the collection charge instituted from ECMC or is it from XXXX? 5 ) Should all questions and concerns be sent to them? 6 ) Does that mean that arrangements can be made with them and not ECMC, are they considered to be one in the same?

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 2016-04-20
Company: Ditech Financial LLC
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I enrolled in a bi-weekly auto payment program service provided by the mortgage company that services my mortgage, Ditech. The first withdrawal was to begin on Thursday, XXXX XXXX, 2016. Ditech began withdrawing payments one week early on Thursday, XXXX XXXX, 2016. This caused a serious financial problems for me as I live on a very tight budget. I had already committed that money that Ditech withdrew a week earlier than promised to other creditors. This resulted in bounced checks and serious financial hardship for my family. 
I contacted Ditech on Friday, XXXX XXXX, 2016 to inform them of their error. I was promised that the money would be returned to my account in 3-5 business days. The Ditech associate could not explain why the Auto-Pay error had occurred, but had promised me that the money would be returned immediately. 
On Friday, XXXX XXXX, 2016-five business days later- Ditech had still not refunded my money. I immediately contacted Ditech only to be told that paper work had not been submitted on XXXX XXXX as promised, but was submitted on Monday, XXXX XXXX and that my money would be in my bank account by Monday, XXXX XXXX. Ditech did NOT deposit my funds. 
I called Ditech on Tuesday, XXXX XXXX for an update on the status of my refund. I was told that paper work was submitted and that I would have to be patient. I explained to Ditech associate that I have been patient for XXXX days and that their mistake has caused me serious financial hardship. I was told that " there is nothing that can be done you need to wait for your money and that everyone makes mistakes. 
It has now been two weeks since Ditech has taken my money, promised me a resolution within 5 business days and refuses to offer an excuse or my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
hi my name is XXXX ( XXXX ) XXXX i had numerous problems with green tree morgage company even though i never was late even XXXX time with a payment. thank fully i was able to re fiannce and get away from that horrible company. still have XXXX last problem with them. they still have not reported my perfect payment history to the credit bureaus. which i believe they are supposed to do.. have not had them as a morgage compay since XXXX or XXXX of XXXX thank you for all and any help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I sent a letter to all parties that I think might hold my mortgage to telling them that I heard about the supreme court case regarding rescission. Because I filed the notice when I found out I was not getting any cash out of the refi I sent a notice to rescind and have a copy of the actual form. Green Tree replied to my request by asking me to provide proof of the date it was received before the deadline. They are missing the point of the XXXX v XXXX home loans, is that recission starts the moment it is dropped into the mailbox, not when they receive it. I was told at the time that they did not get it before the expiration date. But they did get it. I was lied to by title agents about the terms of the loan. I asked them to honor my request for rescission which was originally directed to XXXX. The right to rescind the loan expiration contingent upon any cash being given out of the refi to be intentionally misleading. I was never told I had to wait until expiration of rescission or that if I did not get cash out I would still be under the terms of the loan. See enclosed letters from both myself and Green tree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are current in our mortgage payment, but our new servicing company called Ditech XXXX. LLC of XXXX XXXX South Dakota has denied we are current. The company is threatening to forclose our home even though we are current. in our mortgage payments. XXXX XXXX are being forced to hire a lawyer at a great expense to our budget. Is this denial of payment not fraud tricks to force a foreclosure of our home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief