BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX DOB XX/XX/XXXX SSN XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance XXXX   XXXX XXXX Last reported XX/XX/XXXX {$3100.00} Reported balance XXXX XXXX DOB XX/XX/XXXX SSN XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL 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 explanation
Consumer complaint received 2016-06-24
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello- I began paying Ditech additional money towards principal beginning XXXX 2016. I sent XXXX checks. XXXX for my normal payment and XXXX with principal written on the memo section. The mortgage company misapplied my payment. I had to call 3 times in XXXX to have it resolved. I let them know I planned on paying extra each month and to always apply extra to principal. I was assured this would be ok going forward. I then paid my XXXX payment on the Ditech website and indicated the extra amount should go to principal. The payment was again misapplied. I 've called them now 3 times in XXXX to resolve. The mortgage has been applied as of XXXX XXXX. The payment was made XXXX XXXX. However the extra {$500.00} I paid is now sitting against " late fees ''. There are no late fees due on the account. I am worried about the mismanagement of my account and afraid I 'm not receiving the proper credit of payment. I can not call 3 times each month to instruct how payment should be applied. The mortgage company should be able to handle extra principal payments. This is a normal occurrence in the mortgage world. Also my loan is a fixed rate. They have been listing me as a variable rate the last 2 months. My contracted paperwork is for a fixed rate loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter to Transunion asking them to look into inaccurate information that I found on my consumer report. There has been no response and no updates that these accounts are in dispute, it has been over 60 days since and still no response. My information was compromised because of the XXXX data breach and I want these accounts deleted immediately as they have cause me great stress.

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 2020-10-01
Company: Credit Technologies, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX and 5 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX XXXX XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we XXXX better assist you with this item. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Chaparral Inc
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have had my car that is finance through XXXX XXXX XXXX for 2 years as of XXXX. Since XX/XX/XXXX the was no longer reporting. I have back in fourth for almost a year with the finance company and the credit buruea on which both are stating that are not at fault. I also back in XX/XX/XXXX submitted a complaint through this agency Consumer Protection and back in XXXX I stop receiving updates and no response of the status nor when I looked online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Bank Of America here by known as BoA, on a House that was sold on XX/XX/XXXX. The payoff was sent from the Attorney 's office, XXXX XXXX out of XXXX XXXX LA. I have the payoff letter from BoA and the Cleared check from the BoA. BoA has failed to record the payoff and has continued to collect on this mortgage. I have contact BoA, faxed them the paperwork from the Attorney 's office and they still continue to debit my checking account. They have also contacted my money manager with Merrill Lynch Investments threatening to confiscate assets if I do not continue to pay on this loan. They have refused to help me resolve this issue so I have had to close my Checking account to prevent further theft. I have bounce checks because this issue was supposed to be resolved then an unexpected {$2300.00} is withdrawn from the account. I have incurred several hundreds of dollars in NSF penalties due to this bank mistake. I do not know what else can be done to prove the account is closed and been paid off since XX/XX/XXXX. Since the property sale closing, the bank has continued to pull money from my account totaling {$4700.00}. Furthermore, I have incurred {$840.00} in NSF charges and penalties due to their inability mark the loan as closed and payed in full. Furthermore, I have lost the trust and goodwill from those companies with whom I use for various services. The mental anguish and embarrassment of bouncing checks to multiple people along with the loss in goodwill will have permanent impacts on my business relationships.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My customer account rep. was very rude and disrespectful. I have never been talked to and treated so poorly by a company. First mortgage company out of all the mortgage companies that our loan has been bought out by. The account rep. refused to set up a payment arrangement for me to make a payment on the XXXX day past my due date. I explained to them that the last couple months had been financially hard. She did not care and began to tell me, how that 's no excuse and lecture me on how and what I should be paying with my income. That she has XXXX kids and a single mother and would n't let me get a word in edge wide ... I told them the soonest I could make my payment for XXXX XXXX would be XXXX XXXX and that I could make my XXXX payment on the XXXX of XXXX. She said that was unacceptable and that I needed to start calling family and friends to borrow money, when getting off the phone she says in a very smart tone " good luck ''! WOW, worst company ever!!! No trying to help the customer stay in their home and help them get caught up on payments! Its almost like they enjoy telling you that they will start foreclosure ... .to beat it all she called back several times and said the same things over to me, lecturing me on how to handle my finances, that she has no clue about my personal finances and even had the nerve to ask me, " how much I spent on my kids XXXX? ". The few months I have been with them I could write a book on all the unprofessional, unethical things that they have done! WOULD NOT RECOMMEND AND WOULD NOT BE WITH COMPANY HAD THEY NOT BOUGHT OUT GREENTREE!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX I attempted to get my free credit report from TransUnion. After several attempts, all they would show me is a list of my past addresses and a list of my credit card accounts. They then asked, do you want to see your credit score? With a tab that would force me to join their service to see my score. I understood we were supposed to be able to access a free report from the 3 credit institutions.

Its a total ripoff.

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 2015-10-13
Company: Debt Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After seeing Debt Recovery Solutions on my credit report I contacted the original creditor because I thought this bill had been paid off already. The original creditor ran my name and social security number it showed a {$0.00} balance. I decided to inform Consumer Finance after completing a over the phone dispute XXXX because the bill is still being reported as open. The bill being reported as open leads me to believe XXXX XXXX XXXX is ignoring the cease and desist I sent them through their own website on XXXX/XXXX/2015 XXXX. I do n't work with collection agencies to settle debts. 
I had a bill go to collections a few years ago that I paid. 
The collection agency however never reported the bill as paid, instead they sold it to another collection agency. I showed the proof to the new agency which stopped it 's collection efforts and the original creditor who counted my bill as paid in full luckily for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
World Finance who I got a loan from showed up on my job to deliver a letter not XXXX but XXXX. How do I handle this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2015, we made application for a refinance mortgage from Ditech Mortgage Corp. They requested documentation which we supplied, and were given preliminary approval. On XXXX XXXX, 2015, at Ditech 's requirement, we paid an appraisal fee of {$440.00}. They then requested more documentation, which we submitted. Today, Ditech informed us we need to show a one-month 's cash reserve of the mortgage payment ( including tax and insurance escrow ) in the amount of about {$850.00}. Since paying the appraisal, we no longer have that much in reserve. Ditech informs us that this is an FHA requirement. That means they knew of the requirement BEFORE they required us to pay for the appraisal, but they did not disclose that requirement. Consequently, we believe we have been defrauded of the {$440.00} appraisal fee, unless they go ahead and fund the mortgage or refund the fee to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Wells Fargo Bank charged me {$75.00} annually and {$400.00} to cancel the 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 2022-08-18
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
a person who I don't know, went into the TD Bank Branch in XXXX Pa and took a standard deposit slip accidently wrote my checking account number on the deposit slip and deposited XXXX into my account. now my question is, why the teller didn't verify the person on the account when the person gave her the cash and deposit slip, certainly she typed in the account number, instead they just processed the transaction. so when I went into my account online, naturally I saw the transaction, printed the deposit slip and receipt of the transaction and took it to the TD Bank Branch in XXXX XXXX   XXXX, Pa, where I work. and XXXX told me that it would be corrected in 30 minutes. that was at approximately XXXX XXXX. it was corrected, but I am fearful now that some stranger has my account number on the deposit receipt he acquired after the transaction. my complaint is that no one verified who this person was or the account information with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT RELATED TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS MUST BE PURGED OFF MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LOVE THOSE TO BE REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: JPMORGAN CHASE & CO.
State: MT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX of XXXX, my business partner and I purchased a XXXX XXXX XXXX XXXX from a person representing himself as the rightful owner. The vehicle was accompanied with a Clear, Lien Free title which we were able to verify with the state of XXXX in which the vehicle was title. We sent the title off to our agent in XXXX where we operate a business. A week later, our agent in XXXX notified us that the vehicle had been reported as stolen. How can this be if we have possession of the vehicle with a lien free title? After investigating this matter further, we discovered the previous owner, now referred to as Gentlemen 1, had a loan balance with CHASE BANK exceeding {$37000.00}. Gentlemen 2 offers to purchase the XXXX XXXX XXXX from Gentlemen 1 and submits payment to Gentlemen 1 in the form of a check, what type of check we do not know. Gentlemen 1 then sends check to CHASE BANK to pay off his auto loan. 

CHASE BANK chooses to release the lien from the title, without placing a hold on the check. They did not allow it time to clear, as they 're company policy requires. The premature lien release from CHASE BANK allowed the second gentlemen to gain possession of the vehicle along with a clear title after apparently writing a bad check for the XXXX XXXX XXXX. The premature lien release from CHASE BANK allows the second gentlemen to resell the vehicle to my business partner and I without reason for suspicion. CHASE BANK is claiming no responsibility for the matter, in fact the customer service person in their fraud department I spoke to stated, " it is our policy to release a lien on a vehicle immediately once we receive a check for the loan amount. '' Regulation CC of the Electronic Code of Federal Regulations allows banks to place holds on checks to prevent this fraudulent activity from happening. Under subpart C of the E-CFR, section 229.38, CHASE BANK is liable for any losses incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
United Revenue Corp has not provided me with a HIPPA release. A bill is not validation. The bills speak of insurance agencies I have no affiliation with. Reporting XXXX invalid accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-03-30
Company: Bull City Financial Solutions, Inc
State: NC
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:
I recently had a problem with Bull City Financial Solutions in which I submitted a claim to you previously. The file number was XXXX. I had an issue with the representative because the agency notified third party for me to contact the agency when I was making consecutive payments of {$20.00} to the agency each month. Since then, I had an judgement placed upon my credit report which I read by law was illegal ; if, the individual is paying on that bill. Now, my credit score have lowered because of this. On XXXX XXXX I paid the remaining balance of {$100.00}. I received a letter from Bull City Financial Solutions that the account has been satisfied. But, yesterday, on XXXX/XXXX/16 I received notification by the NC state income tax that, that payment in the amount of {$100.00} had been deducted from my refund already. So, I called the same collection agency that harassed me for the money faster than I could pay it off requesting my refund. I was told I would have to obtain it from XXXX. Imagine how I feel right now???

Company response to consumer: Closed with explanation