BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-12
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree. There horrible. XXXX told me, its your parents house, your parents are dead. Get out. Mind you the home is mine. The deed is mine. My parents took our the loan for me. I have paid the loan for 20 years. I was awarded XXXX from the State of Oregon 5 years ago to catch my mortgage up. 

Green Tree. Refused the XXXX. They took my payment every month. You know what kind of things they say. SO we filed a 5 year chapter XXXX. We are still in it. We have a balloon payment coming up. They will not work with us. We will eventually after all we 've been through, lose our home My husband become XXXX 1 year and 3 months after we took out the loan. My daughter became XXXX to and we XXXX! Our life was made even more difficult because of the hateful and vindictive attitude of the employees there and the illegal and underhanded ethics of GT. We are now with Ditech. I cant wait .... Did I mention when I was late once, they said, you should n't have taken your dog to the vet. You should have let her die and buried it in the back yard. Who talks like that? And the insurance they force you to get. That dos'nt pay what they should if you have a claim. To many bad, horrible memories. And my Fathers XXXX XXXX. They would call him every morning at XXXX and kept it up for months. It took months and a lot, lot, lot of calls to get them to call me instead. Persistant, nagging, rude, I had XXXX, Their call have ruined my grand childrens childhood because of the financial XXXX they caused our family. And never would they give us a modification. I tried over and over and could not get one. They took my money but said, not your loan. They even gave me an extension on my parents loans after my folks passed. I was good enough for an extension AFTER I paid them a ton of money. Food money that I could n't spare. then I got the extension but they would not give us a modifation or except the XXXX dollars from the State of Oregon and refuse to ignore our plight with the XXXX balloon payment due 2 years after our bankruptcy. I will get no modification from them. I wonder if they get paid to reposess homes. Why else would they do this. I will not get a chance to keep the loan. I am doomed to move or perhaps become homeless. I am XXXX and I am tired ... Also, I sent them two XXXX dollar XXXX XXXX payments that they said they received. Both of them. And later said I only sent one. XXXX they would find it. Not to worry. I sent them both in. They said they did n't get the receipts or the second payment. It was all recorded on the phone. Put me further behind again. Also they accept the payments from me for the chapter XXXX but still will not give me a modification. I can not refi because it is a manufactured home. at a loss as what to do to stay in our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Ocwen Financial Corporation
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
when original note are challenge to provide original black ink sign at the time closing, the co-conspirator Ocwen, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator Ocwen, XXXX XXXX XXXX XXXX XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Had a number of events that led to getting behind on our mortgage. We have been trying to get a loan modification for over a year now and our mortgage company keeps denying us saying our income to debt ratio wo n't allow them to help. I have contacted hud and XXXX other organizations that say our income now is more than sufficient to make payments to get caught up. Our mortgage company US Bank will not return phone calls or give the organization trying to help us any information on trying to resolve this matter. The other reason we were denied is because I 'm presently employed which makes no sense to me. Me and my wife are willing to do whatever we can to resolve this issue we just need a chance to get back on track

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this medical account in full with the original creditor ( XXXX Medical Center XXXX ) and I was assured that the collections entry were going to be removed completely from all credit bureaus. The collection agency is refusing to remove the entry after a full payment was made to the original creditor and the collection agency is reporting the account as a paid collection instead of removing the account as I was told and agreed to. The main purpose to remove the account from my credit report is to lessen the impact on my credit score and be clear of any collections. I was assured that after making a " full payment '' the account was going to be completely removed and now that they received my money are refusing to remove the account from my credit report and instead just updated the account to reflect as a paid collection, this is a violation of our agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
This company is using I guess a dialing system they are calling from all different kind of numbers and its practice is going against FDCPA rules. I have been called from XXXX XX/XX/XXXX 8 times in 1 day some of them are back to back as of right now filling this form out at XXXX cst no telling how many more I will get till XXXX. XX/XX/XXXX 10 times in one day. XX/XX/XXXX 5 time in one day. XX/XX/XXXX 7 times in one day. XX/XX/XXXX 11 times in another day. XX/XX/XXXX 5 times in one day. I also have a log for a message for XXXX nothing is said. I have them all on my cell phone log for records. I am also begin called from XXXX nothing too bad with this number no more than 4 times. XXXX 9 times in one day. 6 times in one day. 5 times in one day. XXXX nothing more than 2 times a day. XXXX nothing more than 2 times a day. XXXX nothing more than 2 times a day. This is harassment in the highest level.I feel this company ca n't call you repeatedly or continuously to harass, abuse, or annoy me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX Validation letter with HIPPA requirements to XXXX. I had my XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by XXXX. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of XXXX and Pendrick Capital Partners. Because neither collection company is abiding my Texas FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
Request to dispute item ( XXXX  ) on credit file because information provided by creditor was either inaccurate and/or incomplete. Credit Reporting Agencies would not honor my request. The agencies ( Experian, XXXX  ) would update the account with no information provided by the creditor, reporting the exact same information that  existed before my dispute. 

The agencies are not in compliant with FCRA which requires them to re-dispute information that is incomplete or inaccurate on a consumer 's report. They have ignored my written requests online and via mail.

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 2015-06-19
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
US Bank has engaged in deceptive advertising. They enticed me to sign up for their credit card and pay an annual fee with promised benefits, and then took away the most valuable benefit -- the XXXX " free night '' benefit. This is wrong and dishonest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I SENT A DEBT VALIDATION LETTER TO RESIDENT COLLECT IN XX/XX/XXXX THEY NEVER SENT BACK PROOF OF DEBT, THIS IS VIOLATION OF FCRA, FDCPA, I WANT THIS DELETED FROM MY CREDIT REPORTS NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: KY
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:
XX/XX/2019 / XX/XX/2019 there are 2 inquiries from " XXXX   XXXX '' and XX/XX/2019 / XX/XX/2019 2 inquiries from " EXPERIAN XXXX XXXX '' that i do not recognize or have authorized. i have filed many reports with them stating the inaccurate info and they have failed to remove this from my 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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I recently started looking at my credit and notice multiple account showing on my credit report that I have never opened nor provided my authorization for these accounts to be opened

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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION, XXXX  AND XXXX  HAS ACCOUNTS ONMY CREDIT REPORT THAT ARE NOT MINE/INACCURATE.

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 2015-11-06
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had internet service years ago with XXXX XXXX and cancelled due to poor internet and service. I was notified in XX/XX/XXXX and spoke with an agent of Resurgent that I needed documentation of the validity of this debt as I was never notified of such debt. XXXX XXXX I disputed the claim in writing to Resurgent still waiting for verification. The only thing they can come up with is a date that they were told it originated, a XX/XX/XXXX date it was charged off, and a date they acquired it for LVNV Funding who bought the debt from XXXX. I am not in the habit of paying just because someone says I owe them..I need month and dates of this service for verification of its validity as I have never been notified of this in the past..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under Wakefield & Associates. I requested a validation on XX/XX/2019 as these were accounts that I did not recognize but should have been covered in full by insurance/Medicaid. I reviewed my credit report again on XX/XX/2019 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid and in fact received a notice that the accounts would be removed. I do not believe the accounts belong to me as it should have been paid by insurance/Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct and that the charge is not covered in full by insurance/Medicaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Colony Brands, Inc.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
Request to dispute item ( Ginnys  ) on credit file because information provided by creditor was either inaccurate and/or incomplete. Credit Reporting Agencies would not honor my request. The agencies ( XXXX, XXXX  ) would update the account with no information  provided by the creditor, reporting the exact same information that existed before my dispute. 

The agencies are not in compliant with FCRA which requires them to re-dispute information that is incomplete or inaccurate on a consumer 's report. They have ignored my written requests online and via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/19 my credit monitoring company notified me that Capital One had made an inquiry on my XXXX credit report. This was a fraudulent inquiry that I did not authorize. I disputed this inquiry with XXXX  because I've heard hard-pull inquiries can lower your credit score. I want the inquiry removed from my credit report. 

XXXX  informed me they could not remove this inquiry because " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' That response makes no sense because in this case the creditor made the fraudulent inquiry. It's like telling the victim to contact the criminal. 

I did in fact contact Capital One. They searched my SSN in their system and assured me there was no record of any such inquiry. Capital One told me that any " official '' or properly initiated inquiry would be in their system. This to me suggests the inquiry was done by a rouge employee or a hacker with access to Capital One 's systems. It's also possible it was a simple error ( e.g. someone simply mistyped a SSN ). Regardless, the bank should have a system for tracking ALL inquiries so that they can correct any mistakes or identify hackers or rouge employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: NC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
As XXXX XXXX, we have a business account on PayPal. On XX/XX/XXXX, they froze our account and asked for some documents. I sent them all but a specific one. This one document is the reason that until today, XX/XX/XXXX, we can not accept donations or transfer our money that we have on PayPal to our account. This has caused me psychological problems. we lose revenue that goes to other charities companies. Every time I communicate with them through messages or by phone, they assure me that we are almost ready but nothing is done. Our company belongs to a type of companies in XXXX that are not registered as a normal business registers, thats why we can not get any such document. On PayPal once out of many, I talked accidentally with a XXXX named XXXX. He explained to them that this is something that is true, and his manager told us that we just need to send two documents ( that they already had again ). XXXX assured me that the case would be resolved. But again they sent me a negative message. So I'm trapped because my money is in the account and I can not use it through their own fault, and my health and the public image of my company has been damaged. Since XX/XX/XXXX, I have communicated more than 20 times in writing and 5 by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, INC.
State: MO
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 writing this letter because there are accounts being reported that's not mines. 
XXXX XXXX XXXXI have have no acknowledge of this account XXXX-I have no acknowledge of this account XXXX  XXXX XXXX-I have no acknowledge of this account XXXX XXXX XXXX I have no acknowledge if this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 writing this letter because there are accounts being reported that's not mines. 
XXXX XXXX XXXX-I have have no acknowledge of this account XXXX-I have no acknowledge of this account XXXX  XXXX XXXX-I have no acknowledge of this account XXXX XXXX XXXX I have no acknowledge if this 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 2020-04-16
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
There is a letter from Ally on file from a unresolved previous dispute. This is follow up related to this unresolved complaint. Please follow up with Ally and accept this as a new complaint. There response is unacceptable. The company failed to acknowledge my previous phone calls starting in XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 and XX/XX/2017. The company also failed to acknowledge that on the phone calls in XX/XX/2017 XX/XX/2017 XX/XX/2017 and XX/XX/2017 in which I advised and repeatedly told the various representatives which is documented at Ally that the dealer referenced as well as dealers I contacted that Ally has not listed in their letter, erroneously I might add flat out refused to take back the car. All of this was discussed on the aforementioned calls from XX/XX/2017 and on. The onus still falls on Ally. I made all good faith attempts to rectify this issue. This letter from Ally does not resolve this or acknowledges all my contact starting in XXXX of 2017. I made every attempt and going above and beyond to resolve. Yes Ally acknowledges XXXX XXXX XXXX however I noticed that they failed to mention that upon several attempts and messages this dealer would not accept the car. As well as the other dealers in the XXXX area which I contacted and advised Ally that I did contact with no result other than a refusal to take back the car. I gave Ally months to resolve this issue and Ally is not operating in good faith or in accurate and truthful ways. This is not resolved or by any means acceptable outcome. I wish that this matter is pursued and not closed erroneously or with proper follow up. This letter from Ally has a very big gap and appears to be clearly missing all my contact conversations and the letterers which were sent to Ally. They need to cease and desist on this account and accurately close it. I started in XX/XX/2017 they didn't resolve until XX/XX/2017 which is absolutely unacceptable. Please rectify this issue. I want all documentation from Ally. Not just the one call they acknowledged. There is a major gap and clearly by not showing all that documentation they are proving that they are hiding something and not accepting liability for their actions or lack of action I did all I could for months.

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