BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I spoke with Ditech Financial customer service in XX/XX/XXXX and XX/XX/2016. At the time of my second call at the end of XX/XX/XXXX I was told that I was in the beginning stages of a loan modification review and I asked specifically if I needed to continue making payments between XX/XX/XXXX and the first payment date of XX/XX/2016 for my XXXX trial payments. 
The customer service rep told me that no, I did not need to make additional payments before starting the trial payments because those would be rolled into my new modified loan amount and everything would be brought back to current after the modification was completed in their review system. 

I followed the lender 's advice and did not make my XX/XX/XXXX and XX/XX/XXXX payments as I was told I could, but now I show multiple delinquencies on an account that was currently NEVER even 30 days late. I was lied to and that misinformation has ruined my mortgage history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A payoff check was received by GreenTree on XXXX/XXXX/15. Not sure how Greentree applied the funds but the customer service rep explained that the interest should be over {$600.00} and the payoff date should be XXXX XXXX. Should n't Greentree payoff the loan upon receipt of the funds and not wait for XX/XX/XXXX and incurr more interest. I have attached a statement showing the loan balance as of XXXX XXXX, 2015 along with the rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2015-11-03
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage through XXXX that was paid off due to a class action lawsuit against said bank XX/XX/XXXX. I recently received a paper from ditech stating that I owe them {$180000.00} for this same mortgage. I sent them them a copy of the letter stating that the loan had been paid in full, and they just continue to send me a copy of the original note that I signed. Saying that they 've owned the loan since XX/XX/XXXX and that I owe them now, even though the original loan was paid off XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After receiving notification of this debt I quickly asked for validation. I was not in agreement on the amount and the charges for the debt ( reasons stated below ). I sent letters to H & W and XXXX All I received was the exact same validation information from H & W and no response to my statements about the inaccuracies. 

I lived at an XXXX property ( XXXX XXXX XXXX ) from XXXX. I moved out in XXXX of XXXX and left a very clean apartment with minimal wear and tear. In the two years I lived there, the turnover for other apartments was very heavy. Every apartment that someone moved out of, got new carpet, I watched this many times. Even apartments where the tenant was there less than a year. It said pet stains but my dog was 100 % bathroom trained and there are no stains on the carpet ( as shown in my pictures ) Additionally, they charged for cleaning appliances when I personally cleaned appliances and took pictures of appliances and every room before vacating the apartment. Also, I never received anything from XXXX, although they had my forwarding address. I had no clue about this bill until a collection agency contacted me in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
This account has been disputed for more than 2 months and has not been deleted. by law company has 30 days to answer a dispute and they have not. 

Item : I dispute XXXX XXXX XXXX - XXXX - this account is paid in full. Not Charge off. I have disputed and the company has taken more than 30 days to verify, please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Previous complaint number XXXX, I submitted a complaint on XXXX/XXXX/2016 stating that I submitted a payment via epay. I have spoke to SEVERAL not helpful service agents. Supervisors XXXX and XXXX both were not helpful at all and never escalated my issue. XXXX finally listened, escalated the issue and my payment was found ( misapplied to another account ) and posted to my account. The payment is held now in an unapplied status and not posted to any monthly payment. It is just sitting there since XXXX/XXXX/2016, although Ditech responded to my original complaint this issue is not yet resolved. The unapplied status has been ongoing since XXXX/XXXX/2016, XXXX is aware and have escalated but the payment is still not applied and on XXXX/XXXX/2016 I will be again assessed another late fee. How is this happening and how is Ditech getting away with it. I work in the " Securities ' industry and the regulations would not allow for any of this without someone being called to the carpet and held responsible for the flurry of misapplied funds. I need this resolved .... Please!

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 2015-11-12
Company: GMA Investments, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Summit Receivables, a collection agency, has failed to honor cease and desist letter by contacting family, friends and employers regarding alleged debt. Agency also misrepresents itself by stating that a check to them was returned for insufficient funds. Company has also failed to send any notice to validate debt. Cease and Desist letter sent XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech bought our loan from XXXX and we did not recognize the new mail thought it was junk mail. We made out 1st payment as soon as re realized we had a new mortgage company 36 days late, and it was well within their 60 day grace period, however they reported us to the credit agencies anyway ( on our 1st payment ), seriously damaging out 15yr run of XXXX+ credit scores. Their envelopes look like junk mail and they know it!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by a debt collector to get a payment for my account but then they were also trying to get me to pay for a different debt which wasn't even for me. The agency didn't give me any information on what they were collecting. They were getting upset because I was asking questions, I was only trying to figure out what was going on. I also would ask them to explain some of the words he was using as I am not familiar with them, it would only upset the man on the phone. Then after I had bombarded him with questions he looked into it and found out that account wasn't even mine! I didn't even get an apology for it, if I wouldn't have asked I would have been scammed into paying someone else 's debt. I not only think this was fairly inappropriate but also violates XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
For the second time within a 1 year 3 mo this company XXXX XXXX has opened up a line of credit. This time an amount of XXXX was used at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dates of the transaction are XXXX XXXX. The statement for the account goes from XXXX XXXX to XX/XX/2022. The account number that has been opened with XXXX XXXX is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is XXXX. I have also tried to reach out to XXXX XXXX and no one is available. 
I have flagged accounts through the FTC, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been current and never late on my account. I received a call from the Ditech, the loan servicor, and then a new statement stating that my account was past due since XXXX 2016 and I have unapplied funds. I called on XXXX/XXXX/16 ( 2nd phone call in the month about the same issue ) and they said that they made an error it would be corrected in 5 days which it has n't and my online account is not corrected either.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is as follows : ( 1 ) I have verbally requested Ditech to make no telephones calls to me on my job but the telephones call persists. 
( 2 ) Also, my supervisor, XXXX XXXX, the Executive Director of my company has verbally informed Ditech that I am unable to receive calls from them on the job and requested that they stop/cease making telephones to me immediately. 
( 3 ) Ditech refuses to stop harassing me on the job via telephone calls. Furthermore, on XX/XX/2016 at approximately XXXX., Ditech has begun making telephones to me on the job again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Credit Bureau of Lancaster County, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection Agency of Credit Bureau of Lancaster : I Had a dispute with insurance coverage between an in network and out of network issue that delayed my payment and caused it to be reported to the Credit Bureau of Lancaster. After the insurance issue was settled, I logged onto the credit bureaus web site to make payment, however, I did not have an account number since I was never mailed anything. I called the credit bureau to obtain this account number. I advised them that I needed the account number to make payment. I was advised that the call was being recorded. I informed them that I did not want to the call recorded and that I just wanted to have my account number. The call was already being recorded without my permission. I advised them I did not want it recorded and they advised me that they refuse to speak to me and provide me with my account number to settle my debt without the call being recorded. I am a recently retired XXXX who is well versed in the Pennsylvania Wiretap Act. I proceeded to advise them that this was unlawful under that act and was a felony to record my voice without consent. I am wanting to pay this medical debt that should have never been sent to collection in the first place pending resolution with the insurance company, however, because I did not want my conversation recorded, I have been refused the info I need to settle this debt. This illegal conduct needs to be addressed and criminally investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LOANS THROUGH AFFIRM SHOWING ON XXXX CREDIT REPORT. 
XXXX, XXXX, AND XXXX. I HAVE A PRIOR DISPUTE THROUGH CFPB AND AFFIRMS RESPONSE WAS TO FILE AFIDAVIT WHICH I DID THROUGH THIER WEBSITE FOR ALL THREE LOANS. ON XX/XX/10 DAY OF SUBMISSION I RECIEVED 3 AUTOGENERATED EMAILS STATING THEY TAKE THESE MATTERS SERIOUSLY AND HAVE YET TO HAVE A RESPONSE. I ALSO WROTE BACK ASKING FOR A RESPONSE AND I HAVE NOT HEARD ANYTHING. I FILED ADDITIONAL FEEDBACK TO BE PUBLISHED ON THE GOVERNEMENT WEBSITE FOR THE LAST COMPLAINT. I WOULD LIKE TO HEAR AFFIRMS RESPONSE TO THIS MATTER AS THEY HAVE NOT YET ADDRESSED THIS ISSUE AND IT HAS BEEN GOING ON 6 MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is aware of status received " Certificated of Lien Satisfaction of Judgment '' with XXXX with their dispute filed on XXXX XXXX confirmation XXXX however, Equifax still refuse to update the derogatory remarks on my credit reporting status " paid on time, account closed with zero balance, or removed this derogatory remark from my Public Records on my credit report. Equifax has received the letter of certificated from XXXX XXXX XXXX XXXX Court with the dispute. 

Equifax refusal to correct the derogatory remark from my public records. Their response " CORRECTLY REPORTED '' WHICH IS VERY FALSE. However Equifax refuse to follow a COURT ORDER Certificate of Lien ACCOUNT HAS BEEN PAID AND SATISFIED WITH XXXX BALANCE ( see attachments ) Due to Equifax refuse to honor or aide this court order has caused damage to my credit rating immediate attention is needed with the correct action taken.l I had send attachment of certificate of satisfaction to Equifax with my dispute about this derogatory remark in my Public Records. 
Please address error to higher level of management I had filed numerous complaints with Equifax and they still refuse to response properly to address this complaint or make update corrections. 

Equifax remarks under Public Records should state : 1 : Account paid on time in full 2 : Account close with XXXX balance Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Had a mobile home loan with Greentree. I divorced and mobile home was awarded to ex wife. XX/XX/2012 I was contacted by greentree that the account had not been paid in over 6 months. I made an agreement to pay the loan off for less than was owed. XXXX was owed, I payed half. In return for payment it would be taken off my credit report. I have tried to get them to comply with there agreement, they will not. Now that it is with Ditech they say they do not have any information on that and they are reporting XXXX written off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: NY
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:
EXPERIAN WOULD NORMALLY SEND ME REPORTS AFTER THEY INVESTIGATED ITEMS IN DISPUTE. HOWEVER, I HAVE NOT RECEIVED ANY REPORTS NOR AM I SURE IF THEY HAVE ACTUALLY CONDUCTED AN INVESTIGATION INTO SAID MATTERS. THE LAST TIME I GOT A REPORT FROM EXPERIAN WAS XX/XX/2022. ITS IMPOSSIBLE TO GET TO GET TO ANYONE There AS I HAVE TRIED TO CALL. ON THE ONE OCCASION, I GOT THRU TO SOMEONE. I WAS TOLD THEY NO LONGER MAIL REPORTS TO ANYONE.

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 2022-05-24
Company: EQUIFAX, INC.
State: TN
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents. I have not received this information Per Section 623 ( a ) ( 3 ) I believe my right are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax carelessly handled my data, which was part of the recent hack. I 'm disgusted that such for-profit companies are allowed access to some of my most vital data, and that to be a functioning adult in society I have no choice but to yield my data to them. Shame on them for not taking better measures to protect consumers. Shame on our legislative bodies for not divising a modern system to replace the antiquated social security number. I urge you to hold this company accountable for their actions. The harm they 've done is immeasurable. Those in charge need to be in jail for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Account number XXXX inaccurate Date opened, inaccurate high credit, inaccurate date last active, inaccurate date of last payment.

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