BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: Ditech Financial LLC
State: FL
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:
I am in a Federally Declared Disaster Area hit by Hurricane XXXX on XXXX XXXX, 2017. My loan serviced at the time, Ditech, told me I qualified for a forbearance because my loan was current and was backed by XXXX XXXX. I was told not to make the next 3 payments and they would be added to the end of my loan, and it would NOT affect my credit. Ditech then sent me delinquent notices, transferred my loan to another company AND REPORTED ME AS 30 DAYS PAST DUE TO THE CREDIT BUREAUS!! My credit score fell 22 points in 1 month because of this!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have asked credit reporting companies to remove Late Payment issues with my Credit Card companies. My bank account was compromised do to no fault on my own and my direct payments to credit card companies was rejected. 
My bank XXXX XXXX was hacked and they did not notify me until my payments bounced. My bank should be held responsible not me. I had no control over there security issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect

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 2017-07-11
Company: ASTORIA BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I opened a checking account with Astoria Bank at XXXX XXXX XXXX XXXX. Everything went well and I was told that in two weeks I will received card in the mail. On XX/XX/XXXX, around XXXX XXXX I received a phone call from XXXX XXXX XXXX. She said that her manager found that part of the compliance was not answered. I asked what is that? She said : we need the name and address of your employer and I asked what for and she put her manager on the phone. The manager came on the phone and said that she needs it for compliance, she said we have to make sure there is no drug dealing and needs to control XXXX. I insist my account is private and I do n't want my employer involved. The manager said if you do n't provide your employer name and address, I will just have to close your account and she hang up. <P/>Also, when I opened the account on XX/XX/XXXX they asked to see my driven license and I told them not to copy my license and was told, if they can not copy it then they have to cancel the account. I also told the manager that I have account with other banks like XXXX XXXX and XXXX and no other bank ask for my employer 's name but them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Ditech Financial LLC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a mortgage listed through Ditech # XXXX which should not be listed as profit and loss and that I owe. The home burned down and insurance coverage was on this home which paid. This needs to be removed it is false

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXXwith reference #XXXX The second one has a filing date of XX/XX/XXXX with reference #XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient became my lender after XXXX XXXX they refused to help me and hit my credit - I made a huge payment this month because it was going on my credit report as late payment and it caused my bank to be overdrawn and charged 3 fees for each loan payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX sold my account to two different companies and it is now showing up on my credit report two times with two different companies at a {$1.00} difference. I disputed with no response.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The only way to protect myself after the XXXX breach is to place a credit freeze. It is absurd that the XXXX major credit reporting agencies are allowed to charge money to initiate these freezes. There is no way to opt out of their data collection, they obviously can not keep that data secure, and they want me to pay my hard earned paycheck to each time I need to freeze ( and each time to unfreeze ) my information.

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 2018-01-02
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, I mailed a letter to the credit bureaus asking them to correct 5 mistakes on my credit report. Over 45 days have past, and I have not yet received a response from Equifax or XXXX XXXX. They were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have spoken with the original creditor in this the reference to account number XXXX XXXX XXXX XXXX XXXX they have informed me that the account was handled and paid in full. They informed me that there is no reason it should be reporting on my credit and leaving damaging effect to my credit reports. it is against the law to still report on the credit reports if the account is in fact paid and settled It also violates my rights a consumer and could be a penalty against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 are many mistakes appear in my report without my understanding.

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 2018-01-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was repeatedly contacted by IQ Data about a debt I do not owe. They are calling me constantly, harassing me, threatening me with suing, threatening me with credit reporting yelling, belittling, calling during business hours, calling my work, leaving repeated voice mails, calling back to back, day after day. They never sent me a letter detailing any debt or given me the opportunity to dispute the debt if a valid one existed. I have not verified any debt owed to IQ Data. I do not owe any money to IQ Data. I want the harassing phone calls to stop. They are calling all hours of the day about a debt that is not owed. They have the wrong person! This has to be against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
on XX/XX/2017 I received mail fromTransUnion and the letter stated that 9 items was deleted. I was't notified, which is required by the FCRA, that these items will be reinserted. The original letter showing the 9 items was deleted will be in the attachment below.

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 2018-06-05
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is performing fraudulent debt collection on a debt that was paid in full. The item under issue is a parking ticket which was paid in full, the debt collection agency can not verify this debt and added ridiculous penalty charges to the debt. They have not given me debt verification documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient has my loans. My loan payment amount continue to go up by hundreds of dollars and this is really affecting my credit. Can you please help me. I tried talking to Navient and that was no help. Please help me I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX/XXXX/XXXX Wells Fargo fraudulently requested back the {$270.00} payment that was made to my insurance company ( XXXX ) on XXXX/XXXX/XXXX, claiming that i disputed the transaction. 
My insurance company ( XXXX ) notified me on XXXX/XXXX/XXXX, and stated that payment has already been issued to Wells Fargo and refunded back to my debit card ( ending in XXXX ). 

Wells Fargo never tried to contact or notify me and never credited my account the {$270.00} that they received back from ( XXXX ). 
Wells Fargo blatantly lied, claiming to have no knowledge of a refund request, dispute or the matter at hand, when i contacted them on XXXX/XXXX/XXXX. 


( attached bank statement shows & proves my current account balance as of today, the original payment made to XXXX on XXXX/XXXX/XXXX, and no credits/refunds issued back to my account between 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 monetary relief
Consumer complaint received 2018-01-08
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX On XXXX XXXX, 2017 this accoutn was placed on my credit report. This is a medical debt. I do have insurance and am looking into the situation after I complete this dispute. According to the information placed on my credit report. XXXX XXXX XXXX XXXX have had this account since XXXX XXXX, 2017 ( 4 mos ). According to law a medical collection file can not be placed on a credit report until180 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX at XXXX XXXX I sold XXXX Litecoin valued at {$230.00}. The money supposed to be transferred into my XX/XX/XXXXk account and nothing has gone through yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: BBVA FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Purchased a new vehicle and was financed through BBVA Compass in XX/XX/2015. Ran into a hardship a little bit after purchasing the vehicle. I was denied help for the longest due to it being a new loan. This loan has damaged my credit tremendously. I have almost close to {$1200.00} dollars in late fees which should be against the law. Just recently they did grant me an extension due to me owing the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am reporting XXXX XXXX XXXX XXXX XXXX. I paid this amount in full XXXX dollars in XXXX nothing has been done but the document from housing says XXXX but XXXX XXXX was given to him as well to rectify the situation the XXXX XXXX XXXX do n't have the landlord number either I also have documents to prove from both courts and himself the landlord and housing authority. I need you guys to investigate this please.

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 2017-07-30
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
While I was on XXXX XXXX, I was told by the XXXX office and Navient that I would be released from my obligation to my student loans, but instead was put in default and ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion did not contact me within thirty days for tbe dispute that forward to them on XXXX/XXXX/2017 by CFPB. I only wanted them to also take care of issues with the credit inquiries and they did n't do so. I am trying to make sure Transunion is in compliance with having good records of my credit information. They have yet to provide anything and thirty days has pass.

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 2017-07-31
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX 2013, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX 2013 according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have contacted members of my family on their cells phones. No idea who they even got those numbers which mean they are paying to use some type of investigative service when they had my number. they should not be calling family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Experian Information Solutions Inc.
State: GA
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:
I am a victim of Identity theft and I have filed a compalint with the FTC with the reference number XXXX. The credit bureaus XXXX and XXXX have both removed the XXXX account from my reports as required by FCRA law. However, Experian has not. 
Experian is still reporting inaccurate information for the XXXX account number # XXXX. 

Experian has surpassed the 5 days to delete according to the FCRA laws ...

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 2018-01-14
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
Listed inquiries below are what needs to be removed from my credit report : AMERICAN HONDA FINANCE (XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My complaint is about ARS- Account Resolution, XXXX, amount {$800.00} they are reporting two different debts with two different dates that has not been validated. I never received validation on this debt, not verification. This was actually removed off my Credit. Report last year and placed back own my credit report which is illegal. I will be contacting the FDCPA is this is not removed from my credit report. It was proven that they could not validate the date and was removed.

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 2018-01-15
Company: JPMORGAN CHASE & CO.
State: FL
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:
J.P.Morgan Chase removed a fraudulent joint {$8000.00} credit card issued in XX/XX/XXXX.and closed in XX/XX/XXXX. XXXX deducted 7 points from my credit score rather than the low impact 2 points. I have not been able to get an explanation for this variance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: EQUIFAX, INC.
State: DC
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:
After the Equifax data breach I used the " TrustedID '' service, logged in, looked at my credit report, and it 's totally  wrong. It 's someone in North Carolina. Every single thing in the report is for someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wrote a person a check of {$1000.00} from my business account. 

Check was paid by Suntrust on XX/XX/XXXX. 

Check was paid by Suntrust again on XX/XX/XXXX. 

Person claims they found the check and deposited again thru their XXXX XXXX XXXX app. 

How can a check clear twice? 

How can a check clear twice almost a year later? 

I submitted my claim to Suntrust at it was denied because I did it after 30 days from the check being paid. ( The second check. )

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