BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: CA
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:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently to a look at my Transunion credit report and noticed that there are two hard inquiries by XXXX XXXX XXXX on my credit report dated XXXX, and XXXX. I contacted Bank of XXXX ( XXXX ) spoke with a representative and asked for a letter of deletion. The representative said no due to a credit line increase that I requested. I was never told or asked if they could pull my credit report ; and when I asked for proof of said I was told they do not provided this information to customers. I responded by saying " I have a legal right to said request ''. I was again denied ; but told a complaint would be filed. I then asked for a supervisor and she told me they do not have scripts that requires them to inform customers nor are they required to because it is in their terms and conditions. I responded by saying " where because I can not find this in your terms or conditions ''. I am affirmed that this is deceptive and violates my rights in making an informed decision. My right to disclosure at the time is without parallel.

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 2016-06-03
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/2016 I received a debt validation notice from XXXX XXXX XXXX stating I owe {$580000.00} for my home. I never got a phone call letter nothing. The loan servicing company is Di Tech. I mailed {$2100.00} and I have XXXX on a suspense account. The refuse to accept my payments and are demanding {$9300.00}. to cure the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Porsche Financial Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2020. I received a loan for a XXXX  XXXX  costing {$120000.00}. Cost of the car was {$2000.00} a month. I asked for the price monthly to be lowered on the vehicles monthly payments. The rep told me my cost was final and they wouldn't allow me to refinance for a lower monthly price. I was only behind 43 days on payments. I was in the hospital  and suffering from XXXX which was my reason for the one late payment. The rep wasnt looking to work with me and added my car to the repo list within the 45 days. A few weeks after the call with the rep, I came home from the hospital and the car was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This company plays games with consumers in order to collect more money. We contacted the company prior to sending the check for the total amount on our bill. We were told that we owed the amount on the bill and were not told to request a " pay off '' amount. We sent a check for the total amount on the bill and then continued to try to contact the company because our check was not being cashed. We talked to at least XXXX different people at the company before anyone ever told us that our check would not be accepted. XXXX, an escalation XXXX, in fact told us that she had our check and that the account would be paid in full. She followed up with a call to tell us that she had applied it to our account and that it should be updated the next day. It was never updated in our account. Several days later someone else from the company called to tell us that we owed more money due to daily interest charges. Those daily interest charges should not have been applied to our account. They had the full amount due to them on time. Now they say they did not receive our check until XX/XX/XXXX ( they had it by at least XX/XX/XXXX ). None of their documentation stated that it had to be a certified check, but after not cashing our check or applying it to our account the XXXX or XXXX person that we talked to said they would never cash our check or apply it because it was not certified funds. The entire situation was just giving us the run around as they continued to add daily interest charges to our account. We wired a higher amount of money that they eventually quoted us because we did not want our credit to be hit with a late payment like they were threatening. They had the balance in full on time, and they owe us the difference XXXX {$670.00} XXXX back. This company is not honest, reputable, or trustworthy and I would never voluntarily do business with them again. They were never easy to reach, gave us voice mail numbers that were full, and had a different story every time that we talked to them. I paid them more than I owed them in order to preserve my credit, but as far as I am concerned they need to return that money to me.

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 2019-08-14
Company: CL Holdings LLC
State: AZ
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:
I have one collection from Jefferson Capital Systems for XXXX on my report. I have never had a XXXX account. They will not send me any information on the account in question. 

Another collection on my account is XXXX XXXX for XXXX XXXX. I tried calling and the number was disconnected. Again, I have not had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: FlexShopper, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am currently being harassed by a company named XXXX XXXX about a debt from Flexshopper. I have what they called an independent investigator threatening both myself and my mother, saying he is coming onto my property. I called the company to talk on XX/XX/XXXX and had a talk with the account manager, who I realized was the same person threatening to come to my home. The next number my cell phone starts calling at XXXX XXXX. I answer the phone and I the same man who I spoke with started yelling at me, asking me for {$2000.00} and that he will be at my house within 5 minutes. He also started asking to speak to my mother and called her by name.He continued to call but would not say anything after I advised that I am recording all calls. He continued to call my phone from a private number and as of XXXX XXXX  on XX/XX/XXXX, he has called 25 times which has be and my mother with high anxiety. I know that it is him because you can hear his kids playing in the background on every call while he remains silent. I need this harassment to stop, my mom is elderly and upset and is threatening to shoot anyone that comes on our property

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 2020-07-21
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/2020 there was a hard inquiry on my credit report from Cbna/bby that I do not feel is legitimate considering the circumstances surrounding the situation. 

I currently have an account with Cbna/bby, more specifically this is a credit card with Best Buy/Citibank North America. 

On XX/XX/2020 I was going over my accounts trying to see which adjustments could be made to increase my credit score. I noticed I had an option available on my Best Buy account to request an increase in my limit. With that stated, there is no mention anywhere on this page stating there will be a hard inquiry placed or if I accept a hard inquiry placed as one of the terms to request an increase. 

Since it didn't reveal that they would in fact be placing a hard inquiry, I made the increase request in hopes to raise my limit and ultimately help my score with a higher amount in my available credit limits. 

Soon thereafter I was alerted by my credit reporting accounts that Best Buy/Citibank North America did in fact make a hard inquiry to perform this request. 

Had I known this was the case, I would not have applied for an increase seeing as my balance on this card has never reached even 1/3 of my limit. 

Considering they have all of my information, approved me for a card and now see my purchase and payment activity I would have never known a hard inquiry would be made if I was never asked to accept this as a term to perform the request. 

They should have a warning on the web page if they are performing an action that is detrimental to someone's credit score.

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 2020-03-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : I am writing to formally request that our account be corrected to reflect the following : Mortgage Payments : XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} This payment should have been {$1600.00}. I enclosed a check for the difference. 
XX/XX/XXXX {$1600.00} XXXX {$1600.00} XX/XX/XXXX {$1600.00} Escrow Payment : XX/XX/XXXX {$1000.00} ( Misapplied ) As of XX/XX/XXXX, we continue to receive automated calls from your company indicating that we are behind in our mortgage when in fact we are not. The escrow payment made in XXXX was misapplied to our account. I spent close to an hour in XXXX with a very kind and seemingly knowledgeable representative who advised that she was placing a work order to have our account corrected. She also advised that I would receive a call and/or email to confirm the corrections had been made. I never received a call. She advised that I did not need to make double payment in XXXX and that the late fee ( s ) that have been charged would be refunded. 
None of these things has happened. I tried again this week to resolve the issue via telephone, requesting to speak with a supervisor who essentially hung up on me because she left me on hold for 27 mins  and never returned. She was extremely rude and would not allow me to explain why I was frustrated nor the corrections that need to be made. She is the second individual with your company that has been rude and abrupt with me via phone. 
At this point I would like to file a formal complaint within your company. If these corrections are not made within 15 business days from receipt of this letter, I will also file a complaint with Consumer Financial Protection Bureau.

Please note that I have enclosed two statements, one from  XXXX Credit Bureau that issues payments to your company each month for our mortgage and one from XXXX  XXXX XXXX to show the escrow payment that was made in XXXX of XXXX. If you require more formal documents from these banks please advise and I will personally go into the branch and have them printed out. 
Lastly, I find it completely disheartening that in XXXX banks/lenders are still bullying hard working American families like us. I routinely pay our mortgage early to ensure that there are no delays with receipt on your end. It seems like we are being punished for early payment. Your company can easily call us to advise we need to pay our mortgage, yet no representative has ever initiated a call to us to state that they want to help resolve our issue. It would seem you count on people not being educated enough to advocate for themselves. 
Shame on you! 

Dissatisfied customer,

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 2015-05-28
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my loan XXXX days ago and was promised that I would have all of my paperwork in XXXX days, which was up XXXX XXXX, 2015. The only thing they sent is a Certificate of Title shat shows a Lien Release on my Manufactured Home. This is a Land Home Package. I have nothing to file at the County that shows my land is paid for. 
When I called Green Tree Servicing LLC on XXXX XXXX, 2015 the person made more promises to send my papers, and was extremely hard to understand but he finally told me I would be getting my papers soon. On XXXX XXXX, I got a letter telling me it is paid off. That is not sufficient. I was promised that I would get a Letter of Satisfaction, and my Original Note. 
Anything else is just not good enough. They have already admitted in an answer to a QWR that the mortgage was sold to investors ( which was not recorded in XXXX XXXX NM ) and last I heard was in a XXXX XXXX XXXX, with XXXX Bank as the trustee, and Green Tree Servicing LLC as the servicer. Anything else other than the original Note and Mortgage Satisfaction letter is not good enough. They sent me a photocopy of the note, so their is no legal reason for them to withhold my Note from me. So far they are giving me the runaround, and wo n't send the papers. If I want to sell my property, I can not do it without the proper paperwork. 
If they do not send my Note back, how will I know it is not still in that trust, making them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22
Company: Meade & Associates, Inc.
State: WV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$2.00} Balance MEADE AND ASSOCIATES XXXX, OH XXXX XXXX {$54.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Collection account Remarks Meade and Assc. have added debts to my credit report that have been paid and agreed to remove from my credit report. Aside from the above example from my XXXX there are XXXX closed collections that were to be removed from my credit report those debts do n't belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-04-11
Company: 2288984 Ontario Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
The loan was taken out in 2017. 
Attempted to payback and was unsuccessful. Keep getting calls and voice mails stating the following : This message is showing is for XXXX XXXX my name is XXXX more and this is your from a vacation in regards to delivery _______ of our documents we making several times to reach you at your residence or place employment today XX/XX/XXXX between the hours of XXXX and XXXX XXXX so I'm unable to reach you guys are location is documented as a direct refusal to sign your questions concerns or need to reschedule prior to my arrival please come get the van parts office directly at XXXX and refer to reference number on this in the in XXXX Ary this is your phone the vacation I'll be out today between XXXX and XXXX XXXX  They are also calling family members and leaving voice mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, 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 a account without my written instructions

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 2022-09-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XX/XX/2022. After many exchanges of letters with BMO Harris Bank, I was informed that the account I am disputing had been struck off their books and is in the form of a lien which could be straightened out in the future. And that no further actions would be taken. 

I received three " final notices '' all dated XXXX XX/XX/2022. I wonder how there can be final notices when there have not been any " notices '' prior to this. 

BMO Harris has been sued in a class action filing and was convicted on deceitful and unfair practices. I believe that I am a victim of those efforts.

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 2017-05-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
We received and letter fro m Citi d  ated   XXXX   XXXX  2017 , s tating the account has been closed, for possible unauthorized use, and a new account number, upon approval. We than receive an invitation letter fr om Citi to re-apply an Citi A/A Advantage st ating that we would receive the mileage with additional  XXXX  mileage, if we spend {$3000.00} within the first three mont h. When I apply for the credit card it on   XXXX   XXXX  2017 , we received an letter from Citi stating the credit privilege are currently restricted. But never stated the account has been declined. As of today, we still have not receive an official response from Citi in reg arding to this matter.

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 2020-03-25
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I left school, I left XXXX in XX/XX/XXXX ( lender issued by the school when I graduated school in XX/XX/XXXX ) and consolidated my  loans with Nelnet. After I found a better rate with XXXX in XX/XX/XXXX, I left Nelnet. In XX/XX/XXXX, three months after I was done with Nelnet, they charged me {$1200.00} ( {$1100.00} of principle and {$100.00} of interest since XX/XX/XXXX ) and said it was due to a leftover payment from XXXX all of sudden discovered during the consolidation process with CommonBond. 

When I called XXXX to ask if they had charged Nelnet, they said my account with them has been closed since XX/XX/XXXX and no changes have been made with them ever since. They even showed me proof ( because I can still log in and access my account ) that all payments regarding my account were made back when the consolidation happened in XX/XX/XXXX and they were able to provide a letter confirming that which I sent to Nelnet, along with all payments made to that account. 

Nelnet is lying and issuing fraudulent charges to borrowers like myself. I have had over 4 points of contact with Nelnet and not a single person can show me the proof on their end that XXXX charged them, hence why they would be passing on that charge to me. This last call I had with them today ended with them saying they are firm on their stance and will not show me the invoice, or comparable evidence I am looking for. I will not pay them because it those charges are made up and they need to dismiss this right now. This one pending charge with them is appearing as an extra line of credit in my credit report and that is unacceptable.

Company response to consumer: Closed with explanation