BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
TransUnion allowed an individual ( criminal ) using my SSN to setup an online account and purchase my credit report using a stolen credit card number. Only when the account holder for the stolen credit card complained about a fraudulent transaction did TransUnion permanently block online access to my credit file. At no time did TransUnion notify me of the credit breach nor has TransUnion offered any protective services. The individual ( criminal ) has a complete copy of my entire credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: ALLY FINANCIAL INC.
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am the co-signer on my daughter 's auto loan. She says that she is making payments although she may be slightly behind. I understand that it is affecting my credit if she is behind, but she has a decent job and she will make the payments. I just want the dozen or so calls I get per day to stop. I have no more information to give them.

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 2016-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My credit score with TransUnion was XXXX and then with no reason, TransUnion tanked it by XXXX points. The other XXXX credit reporting agency are showing my credit score to be XXXX and XXXX, respectively. TransUnion refuses to give me any reason for doing this. I want to know why they are destroying my life.

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 2016-08-03
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We started receiving letters from our mortgage company ( DITECH ) stating that they set up a escrow account to collect our property taxes. We called them expressing that we 've been making the property taxes payments for the past 12 years with no problems. In the mean time all our mortgage payments are not being fully applied to our account because " they are not complete '' according to DITECH and we are being charged excessive late fees because of it, even though we are making our payments on time. DITECH stated that the reason that they set up the escrow account is because they paid the property taxes for the current year. I replied that I also paid the property taxes for the current year and I 've been doing it on my own for the past 12 years without any problem. 

Representatives at DITECH told me to submit a letter requesting for the escrow to be removed from my account which I submitted along with bank statements, receipts\copies of the checks as proof of payment, I also included a letter from the XXXX XXXX county stating that we had no properties taxes due. After submitting the proper documentation we were told that they ca n't remove the escrow account because we are behind in our escrow payments. I keep telling all the reps at DITECH that we already paid the property taxes and that we do not wish for them to collect the property taxes because we already have paid them. I talked to many of the reps and supervisors and they all are not helping us to resolved this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have filed a written request, more than a year ago with Ditech Financial Mortgage to not contact me, only by mail. No phone, text, fax, etc. For the last week I keep getting daily phone calls from XXXX XXXX from Ditech, and to call back this number XXXX ext XXXX. I refuse to call back, I do n't like this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Ditech Financial LLC
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have a 7 day grace period ; however I receive non stop calls on cell/home/work numbers from XXXX the day payment is due until I pay. Where is the grace period? 

I am left messages stating it 's in my best interest to contact them ASAP. Company name Green Tree XXXX. XXXX from Green Tree XXXX and XXXX as well as several other numbers she has called from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: LAND HOME FINANCIAL SERVICES
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
several issues. 
forced me into FHA after forcibly holding up a refi which finalyl closed after my purchase. 
due to teh holdup-my debt/income ratio forced me out of conventional and into FHA ( or I would have lost the new home purchase ) second issue-they are holding over $ XXXX TOO much out for escrow account. 
third-they have on at least XXXX occasions admitedly recieved my payment on time but still charged me a late fee until i called them on it. 
they stated clearly they got payment on time but didnt post the payment until after it was late..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Atlanticus Services Corporation
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was contacted by a lawyers office that gave me the last XXXX digits to an account, I do n't recall having back in 2008. The lawyer stated they were coming to my job to serve me papers, but could not give me a phone number for the company that hired them. I ca n't seem to locate any legitimate way of contacting Imagine XXXX XXXX. I have searched for the website myimaginecard.com as well as a phone number to contact these people. I was also told by the legal office that the Debt collector contacted me via postal mail at my address, and they did not receive a response. No mail or correspondence of that sort has been delivered here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-04
Company: Credit Central Holdings, LLC
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I paid this loan on XX/XX/XXXX. The company updated my reports as paid an it was reflecting correctly. I got a notification on several of my credit reports that it was re added to my credit report as a XXXX account. This dropped my score XXXX points which is unacceptable. I called the store to see if the could fix it before I did an compliant and she could not which is ridiculous. This is against the law you annoy re add at debt after it has been paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: AK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called the company to get verification of debt. Asked them to send to me in writing. They refused to, They told me that i disputed the debt, I told them i have never talked to them before so how is that even possible. They said once the debt has been disputed, i legally have to pay the debt for it to go away, and they legally do n't have to do anything. I asked them to remove the dispute comment, because i never disputed it. They refused and said federal law says they cant once its been disputed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Property is in foreclosure Case-No XXXX, Judgment sale date is set for XXXX/XXXX/2015. 
Via our lawyer we work on a Loan Modification. Application was submitted more than 37 days before the sale date. Servicer is SPS, Neither Bank nor Servicer stopped the sale before a MOTION FOR ENTRY OF ORDER CANCELLING AND RESCHEDULINGSALE SCHEDULED FOR XXXX XXXX, 2015 was filed by Plaintiff on XXXX XXXX, 2015. 
The Motion was denied by XXXX XXXX XXXX, 2015, we received this info on XXXX XXXX by mail. 
It appears to us that the neither the judge nor Servicer, Bank XXXX as Trustee nor aware of XXXX XXXX XXXX ( g ) or the whole XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE ; XXXXOn XX/XX/XXXX I was admitted to the XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted my then insurance company XXXX as I worked for XXXX and I had 100 % XXXX. I contacted them and they said the explanation of benefits was sent and all claims for that date have been paid especially the one for XXXX at 100 %. They have now sold this debt to MULTIPLE COLLECTIONS AGENCIES. All of whom are threatening to enter onto my credit report. here are the agencies1. XXXX letter dated XX/XX/XXXX for date of service XX/XX/XXXX for XXXX ,2. ARS letter dated XX/XX/XXXX for date of service XX/XX/XXXX for {$1200.00} AND FOR DATE OF SERVICE XX/XX/XXXX for {$1200.00}. 

ALSO, ARS, is collecting the same two debts that ANOTHER agency is trying to collect on called HRRG. However, ARS was given these XXXX debts AFTER I spoke to HRRG on XX/XX/XXXX and advised the one date of XX/XX/XXXX was paid in full by my XXXX on XX/XX/XXXX as all claims for that date of service ( XX/XX/XXXX ) were paid on XX/XX/XXXX. AND I spoke directly to XXXX with HRRG on XX/XX/XXXX to clear up XX/XX/XXXX claim and made arrangements to pay XXXX month towards the XX/XX/XXXX date of service which i no longer had the same insurance. AFTER MAKING ARRANGEMENT WITH XXXX ON XX/XX/XXXX AND MAKING A XXXX PYMT THEY THEN TRANSFERRED BOTH CLAIM DATES AND AMOUNTS TO ANOTHER AGENCY ARS! 
Now ARS is trying to collect not only the one paid in full by my XXXX insurance, but also the one I made a XXXX payment on ( which is not reflected either ). And to make matters worse, I have called XXXX XXXX XXXX times now because I have arrangements with them for XXXX month but they now have added BACK ON XX/XX/XXXX for {$4900.00}!!!!!! 

I HAVE tried to straighten this out and multiple agencies are involved and XXXX XXXX is the one responsible for selling these debts to numerous agencies PAID or not paid. I do not owe ANYTHING FOR XX/XX/XXXXCould you please advise what I can do to straighten this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
COMPAINT AGAINST US BANK HOME MORTGAGE My name is XXXX XXXX XXXX. U.S. BANK is the holder of my mortgage. I bought my house in 2009. One year later I find out the house was not in compliance with the local township. I spent more tha {$20000.00} to repair violation which was overlook by the bank inspection. As a result, I fell behind on my mortgage. 
For over two years I have been trying to get a mortgage modification. U.S. bank has been IMPOSSIBLE to deal with. U.S. Bank Agent XXXX XXXX has been using all the XXXX tactic to delay and denied my modification. 
U.S. Bank Agent : XXXX XXXX # XXXX ext XXXX I need a modification. Please help XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Disputed several accounts that do n't belong to me and they still remain on my experian credit report

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 2015-10-21
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX, was allowed to access my credit report on behalf of XXXX XXXX without my permission and apply for a payday loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Outdated information and negative old medical collection accounts continued to be report by XXXX despite payments made in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Ad Astra Recovery Services Inc
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with Ad Astra, never signed a contract nor do i owe them any money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Nissan Motor Acceptance Corporation continues to harass my family. They call my parents and my siblings numerous times a day and also disclose my personal information to them. I have asked them to stop calling my relatives, as I do not live with them and they have the number to reach me directly. They continue to harass them waking my parents up late at night and harassing my brother as well. I live in a completely different state than my family and I do not want them to continue to harass them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I asked for identity verification with Equifax. Even though I submitted an id and my social security number via fax 3 times I never heard from them. When I called they could never find any record. I sent in that information by mail and never hard from them. 
Even though I 've done everything exactly as I had been asked to do I can not get information as to what is in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed the payment history with the letter dated XXXX. I have not heard anything until when I pulled my credit yesterday with XXXX XXXX, Equifax is showing that my balances are over utilized and that I was 60 days late with the XXXX credit card. This is defaming my name. I am now applying for an apartment and these inaccuracies are resulting in the inability to get an apartment. I expect immediate correction of the payment history of XXXX XXXX Credit card. Also, the balances are incorrect. It should read {$0.00} balance for XXXX CC an {$0.00} for the XXXX XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I did a on line bank check to my condo association it never got there the township of XXXX got the check instead. They cashed the check into their account. I have filed complaints and cant seem to get the money back after wells fargo has mad promise after promise. they now say I have to wait to get some paperwork in the mail get it notarized the bring it back to the bank before they can complete anything. The chech which is attached is clearly deposited into someone else account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had multiple incidents with this bank in the past couple of weeks. On XXXX XXXX, 2016 my account went negative XXXX. On XXXX XXXX, I was charged an overdraft fee of {$37.00}. In charging that overdraft fee, they made my account negative {$18.00}. So in turn they received an additional overdraft fee of {$37.00} on XXXX XXXX, 2016. 
Now on XXXX XXXX, 2016 I was charged XXXX unavailable funds fees for funds that I transferred from another account at the same bank. So they did not make the funds available in my account right away even though it should have been because a transfer from the same bank should be treated like cash. They are crediting a transfer that I did on XXXX XXXX on XXXX XXXX. Then charged me XXXX unavailable funds fees on top of it of for {$37.00} each. Never once does the customer facing site show unavailable funds. He had to do research on the back end to figure out what the issue was. My account was not negative. They are charging me unavailable funds fees when cash should be available right away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a levy that was charged agents me back in 2012. I am currently collecting XXXX and XXXX. My bank has taken the levy out on the child support both are direct deposit. They have said that the XXXX is the only money they can not withhold from the levy. I have done some research and it seems that they ca n't levy either. What can I do to get the money back that they have already levied and prevent this from continuing?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Todd, Bremer & Lawson, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Debt collector does not hold a current surety bond registered with the XXXX Of Texas. Debt collector was notified on XX/XX/XXXX, via email and certified return receipt requested through the USPS. Was asked to validate debt and until debt could be validated, asked to remove the debt from my credit report immediately. Debt collector has not responded via mail or email and is in direct violation of willful non compliance according to the FCRA and has violated the FDCPA by not validating debt and is subject to possible litigation to seek relief from violating these acts. Each independent violation is subject to a {$1000.00} fine, payable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: General Motors Financial Company, Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In 2006, I purchased a used vehicle from XXXX XXXX in XXXX XXXX Florida. I used a lender refereed by the dealership, GM Financial. 
I was told that interest would be accrued monthly. However, the interest was accrued daily. The loan was roughly {$8000.00}, and the monthly interest was outrageous. I had no choice, but to use 100 % of my student loans to pay off this loan early. I was stuck in, what I believe to be, a predatory loan for around one year. 
I 'm not sure if I can be helped due to statue of limitations. I 'm sure I have thrown away most, if not all of my literature from the loan. My hope is that this loan history might be archived online.

Company response to consumer: Closed
Consumer complaint received 2016-04-10
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I was called on my personal number on XXXX/XXXX/2016. I asked the representative for no further calls. I explained that I would pay when I could pay. 
The representative said it does not work that way and they could continue to call as long as I owe. I explained that no, they are not. I told the representative again, do not call. 
On XXXX/XXXX/2016 this company called my place of employment and threatened to sue me. 
The company name is Franklin collection Service

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Pinnacle Credit Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Pinnacle Credit Services , LLC XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Violated the FDCPA by placing an account with XXXX XXXX into collections status with all XXXX credit bureaus without validating the debt of alleged XXXX with XXXX XXXX using XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX letter dated XXXX XXXX, 2015 was sent to both party 's requesting validation of this debt which was not responded to.

Company response to consumer: Closed with explanation