BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-25
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL PAYMENT DATA Dear XXXX   XXXX  XXXX XXXX XXXX I am writing to dispute the following information that appears on my [ XXXX or XXXX AND XXXX  ] consumer report : Dispute : " XXXX   XXXX XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX DEBT IS NOT MINE, SIMILAR NAME TO MINE WRONG REPORTING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ref complaint # XXXX I asked for further information as to how the interest was being allocated and have not heard back, it has been apx 4 weeks. I have continued to pay interest only for over 4 years, yet still pay more each year in interest and want to see how this is determined, where it goes and some type of balance as far as interest. I paid over 6000 in interest this year ... which is more than last. I would think each year the interest would be decreasing but it is increasing which does not make sense. I want to see where all my money is going, interest included. The forms I was given only shows principal not any interest. How much interest could I possible owe!? At this rate I could have paid for 3 homes!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Mortgage Research Center, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Initiated XXXX of our existing VA Loan with Veterans United back in XX/XX/2020. 
As of today, Veteran 's United has not scheduled a Closing, even though we repeatedly have asked for it. In fact, we have asked a Closing date no less than 4 times. 
NO communication from loan rep, unless we initiate the communication. The rep can not hide his condescension and lack of interest. It appears also that the rate he quoted to us is higher than rates quoted to Veterans with " white '' sounding last names. The loan rep insists that the problem is that my first name was misspelled and that's causing a 3 month delay with no end in-sight. NO apologies from the loan rep. I asked to to be contacted by in-house counsel because I am an XXXX XXXX XXXX and hoped that communication with another attorney would move the process along. He denied the request, perhaps the loan rep can not believe that a XXXX is an XXXX XXXX XXXX and to top it off the Special Victim Prosecutor of several XXXX installations. 

The higher than normal interest rate, the complete lack of transparency, and the obvious condescension and bias from the loan rep, all combined with the main problem that we still do not have a Closing date after 5 months led me to file this compliant. Further, I am not even sure the rate promised will the actual effective rate, since it has been so long since guaranteed.

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 2017-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a call about a debt from 2007. The company threatened to place negative information on my credit reports unless I pay them. This debt was settled with the creditor ( Capital One ) years ago. Under Tennessee and Texas statutes of limitations on debt collection XXXX XXXX XXXX does not have the right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax continues to violate their stated rules and antidiscrimination laws by reporting outdated public record information regarding a Chapter XXXX bankruptcy filed 7 years ago in XXXX 2008. This wage earner plan was filed during the last week of XXXX 2008 and placed on the court docket in XXXX 2008. The plan was completed and discharged. Equifax has a policy of deleting XXXX XXXX bankruptcy information from credit reports between 6 and seven years after the date of filing. However, in my case they continue to engage in disparate treatment by steadfastly refusing to remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX Was taken XX/XX/2020 I tried going to my personal bank about getting this company my money back saying they worked with XXXX of my loans getting reduced. 

Link used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The time of my loans were going through XXXX loans the frauds told me my money was going to that and I called my loans and they said they werent applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CCS Financial Services, 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:
On, XX/XX/2020, a derogatory mark was added on my credit report per XXXX XXXX from Credit Collection Services and as allowed under the Fair Debit Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPPA authorization. 

If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act. 

Please note withholding the information you received from any medical provider is an attempt to be HIPPA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA compliant.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Netspend Corporation
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I am filing a complaint today ( XX/XX/2017 ) because I received a prepaid XXXX from Brink 's Money that I never requested, which is illegal.

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 2016-10-25
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortage with XXXX for years. XXXX XXXX, they transfered the loan to XXXX mortage co. After a year with XXXX XXXX Ditech bought them out. 2 weeks before loan transfered to Ditech I made a payment of {$5800.00} to XXXX on XXXX XXXX, XXXX. This brought the loan current and a little over. When Ditech started billing me on XXXX XXXX. XXXX they billed me for the {$5800.00} that seamed to have gone missing. I should have started with a clean slate with Ditech. I have been on time and current with every payment since XXXX and refuse to pay the lost money. As a matter of fact, I over pay every month by {$50.00}. I called dozens of time to clear this up and was always assured this would be looked into. I have tried to follow up, left messages and talked to new people again telling me it would be looked into. Not ONE person has called back. The last person I talked to at Ditech XXXX XXXX XXXX told me my account was so messed up he could n't make heads or tails out of it.That was a month ago. Ditech has also been holding checks for up to 2 weeks making sure myself and others go past the due date so they can collect late fees. If the bank sends my check the XXXX of the month and Ditech get it the XXXX, why would they hold it until the XXXX, ( day after due date ) to cash it? This has become a common practice for everyone involved with them. They only take personal and cashier checks, no electronic payments, that enables them to cheat people out of their money.

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 2017-03-25
Company: Javitch, Block & Rathbone LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

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 2015-10-31
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax inappropriately shared my credit report with XXXX. 

XXXX charged me a {$100.00} deposit to not have my credit report pulled when setting up service with them. 
I paid the {$100.00} deposit to XXXX. 
XXXX requested my credit report from Equifax on XXXX XXXX, 2015, without my permission or authorization. 
Equifax provided my credit report to XXXX. 
I contacted XXXX to have this fixed. 
XXXX referred me to Equifax. 
Equifax said it is a matter of factual record that they gave XXXX my report. 
Equifax refused to remove this inquiry from my credit report. 

My credit score and report at Equifax are being negatively impacted, due to their innappropriate release of my credit report. 

XXXX still has my deposit money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2021 I checked my balance on mobile app, figured funds were low. Had ACH transaction scheduled ; went to drive thru to make deposit-both drive thru ATM machines were unavailable. Went to walk up ATM -same problem. 

XX/XX/2021 same situation. Now saw on mobile app that {$29.00} return fee will be charged. Stood on line to go inside to make a cash deposit ; was told I would need to contact representative either by phone or message to her {$29.00} returned to my account. Sent message inquiring if {$29.00} could be returned to my account & if I could make cash deposit at other location, ( but that location HAD CLOSED with no REOPENING DATE ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: BSI Financial Holdings, Inc.
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020, BSI Financial Services purchased my mortgage. My homeowner insurance payment was due in XXXX. They did not pay it. I called and informed them of the situation, and told them I would hold the liable for anything that happened to my house while the insurance lapsed since it was their responsibility. My insurance agent ( XXXX ) contacted them and sent them the information to get the payment made. I was told by BSI that I needed to do nothing else and that it would be taken care of. 

XX/XX/XXXX, I receive a letter from BSI dated XX/XX/XXXX, stating that they are going to purchase homeowner 's hazard insurance since my insurance expired. I spoke to " XXXX '' from BSI and explained to him that this was supposed to be taken care of and that they have control of my escrow. I asked why they didn't do it and was put on hold while he called my agent. I was then told it was because I didn't sign a paper as required by my insurance agent. I conference called my agent with " XXXX '' on the line. My agent told " XXXX '' that he was lying and that he just called and was told they have a record of sending the required information to BSI in XXXX and have been trying to get them to release the funds. Now, since BSI did not pay my insurance on time, I have to reapply and my house insurance is going up approximately {$190.00} / year. My agent said it would not have gone up if BSI paid when they asked and when they were supposed to pay and not allow it to lapse. 

I called " XXXX '' back and explained in a heated conversation that BSI owes me the {$190.00} dollars since they failed to pay the insurance from my escrow. He relented and agreed. I asked for documentation stating this and he did not agree to that nor have I seen any documentation. 

I checked their website, and my escrow still has the funds for my insurance company listed even though they were supposed to overnight a check to reinstate my insurance. 

Please help. 

My insurance agent is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX My mortgage company is : BSI Financial Services XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: MN
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 never ever applied for any loan with Personify and I have a cyberstalker and many times I try to report him to FTC and he puts something so ex date, or other info doesnt show up and a week ago I got email about loan being turned down. Files are on a freeze and I never applied for one. So cyberstalker is in all devices and there are hidden wi fi in my house. Plus I know him from 5 yrs ago so he has hacked even medical and local police sent me to Mn Attorney General who got them paid. I am XXXX with little resources so if I could stop anything I would appreciate it. For more than two years I tried to get the error of my mortgage off my credit files I do have one and at least you helped me get the XXXX XXXX to let me assume the mortgage. However Experian says their info still stands - it is an error as the account number is incorrect and sorry for adding this but Experian is so difficult to deal with they refuse to listen to you

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 2016-09-07
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a mortgage payment in XXXX XXXX for the wrong amount. I received a notice that I was late and the payment I made was in the suspense account. On XXXX/XXXX/XXXX I sent the correct amount and sent them a note on their web site to return the {$810.00} in the suspense account. I have called them many times and was told they would sent the funds back to me. 
I received a letter today stating they could not send the {$810.00} back. Checked my account and on XXXX/XXXX/XXXX when they applied the payment the balance was XXXX On my XXXX XXXX statement shows I am owing over XXXX then the XXXX XXXX statement shows over XXXX in the suspense fund. On the payment history on the DiTech page it show my balance went up to XXXX. I called and asked for a correct statement for how the funds were applied and was told to look at my statements. Also it is not possible to refund the XXXX. Also the letter I received to day says only XXXX was applied to principle, what happen to the other XXXX? If I go by the statements I was charged 2 more months of late fees. I need you to send someone to audit the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree Tree is our mortgage provider every month they call about a late payment and about an {$270.00} lapse of home owner insurance Our insure XXXX has told them our insurance never lapsed! Here is a copy of a similar letter I have sent complaining about their harassment as they have called as early as XXXX and as late as XXXX eastern daylight saving time! This is my final request for you to stop calling my home and my wife 's mobile phone starting on the XXXX of each month ( our payment is always sent no later than the XXXX of each month ) when our payment by contract is only late if after the XXXX! The {$270.00} for home insurance is inaccurate our insurance never lapsed and XXXX has sent you proof of that fact! Acct # XXXX A COPY OF THIS LETTER IS BEING SENT TO THE INSURANCE COMMISSIONER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: CA
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:
EQUIFAX has continued to verify the XXXX XXXX account as accurate, I have attached the result of EQUIFAX Dispute dated XX/XX/XXXX. You can clearly see from original creditors payment history that the balance reported as of XX/XX/XXXX is ( XXXX ) however EQUIFAX continues to report a past due balance and the account as charged off. Remove XXXX XXXX account attached to this email because you are reporting a balance and a charge off that are not accurate based upon your own investigation. Furnishing incorrect information willfully on my report is a Violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: KY
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: Was not notified of investigation status or results

Complaint:
This accounts are inaccurate and false reporting. Please remove it from my credit report. 



XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Chapter XXXX Bankruptcy / XXXX / {$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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit score dropped over 100+ points basically over a couple of days. There was, is no activity to justify this but illegal tampering with my credit scores to and credit my report. I believe someone has illegal tampered with my credit scores.I would like an investigation done and my credit scores to be corrected.

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 2021-01-08
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I went to the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, TN XXXX United States. There I came to return the equipment that I had borrowed and I also paid a balance of XXXX that I owed to close my account and get it removed from my collections. Its now XXXX and its still showing up on my credit and its not even saying that I paid it in full

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
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: Information belongs to someone else

Complaint:
These are not my accounts, nor did I authorize these credit inquiries to be pulled from my credit profile. Additionally, there are some names that I don't recognize on my personal data, and I did not file bankruptcy.

Company response to consumer: Closed with explanation