BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am behind on my mortgage there is a current complaint ongoing with Ditech and XXXX XXXX XXXXXXXX. I received a letter for Ditech stating that my request for assistance has been denied because the application was not complete.The issue is I have not submitted the paperwork. I have not received the application yet. I was sent an email but the attachment ca n't be opened. I contact Ditech on XXXX XXXX and was told the would mail on they could email it (? ) it would take 10 days I still have not received the application. I compiled all the information needed i.e. pay stubs, bank statements hardship letter, but do not have the application.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: DriveTime
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been in contact with XXXX XXXX customer service support agent and requested that we communicate via email. She was given my permission to do so has my cell phone in being serviced. I also requested a modification of my payments for two reasons. 1. the unnecessary add one done by the salesperson at the time of purchase resulting in higher payments $ XXXX vs XXXX. Salesperson XXXX XXXX. And 2 Drivetime advertises modifications on its website so the consumer can keep the car. I proposed the latter and was informed I needed to go elsewhere to refinance. Drivetime advertises modifications am I being treated adversely because I filed a complaint? I am going to make another payment XXXX XXXX. Do I need to contact the Office of Civil Rights because I am being discriminated against? I have no cell phone currently I wish to communicate via email. Why is this so difficult? I have given permission.

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 2020-01-06
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, Southern Credit Recovery reported a medical collection on my credit report. This collection was placed on my credit report without any prior communication ( written or verbal ) and without validation of the debt. 

In addition, I had no prior knowledge that this account was being handled by Southern Credit Recovery as I was never properly informed by them. Because I have never received any information about this account, I was not given the opportunity to acknowledge or dispute the account before they placed it into collection status, which violated my rights per the Fair Debt Collection Practices Act. 

On XX/XX/XXXX, I discovered a medical collection account in the amount of {$4400.00} had been placed on my credit report, at which time I contacted SCR via the phone number on my credit report to get the following details : Details : XX/XX/XXXX I moved and had a change of address. All my other mail and bills have been forwarded to my new address with no problem. 

XX/XX/XXXX Per an employee, they have a record of 2 letters being returned to them for a bad address. They also claimed to have attempted 7 phone calls but did not leave messages. 

XX/XX/XXXX The second ( and last ) letter was mailed to me and returned again for a bad address. Its important to note that the collection agency had been informed of my correct/current address because they tried to update it in their system. However, a SCR employee inputted the house number wrong in their system by one digit. Because of the error of the SCR employee, I never received any further written correspondence from them.

Summary : SCR had been made aware of my current address because they tried to update it in their system. An error on their part prevented the second letter to be mailed to my correct address. Had they inputted and updated my correct address, I would have received proper written correspondence per the Fair Debt Collections Practices Act and I would have begun repaying the debt. Instead, no further communication was received from them and they then proceeded to place a medical collection on my credit report without validating my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Transworld to advise them that I paid this debt in full to the hospital, XXXX XXXX. However, this is still reporting on my credit report which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced mortgage with XXXX. Closed on XX/XX/2017. Title company sent old loan company payoff amount on XX/XX/2017, that was several hundred dollars more than needed to payoff mortgage. It has been more than 30 days. Old loan company refuses to return my overpayment, has repeatedly lied about the amounts and details when speaking with me, and now has stopped giving me updates as promised. In short, they owe me several hundred dollars in over payment, now owe me interest from XX/XX/2017 on that amount, and are causing me pain and suffering. I have spent hours trying to get them to supply documentation and refund, to no avail. Bayview should not be allowed to stay in business and commit acts like this upon consumers. Old Loan Servicer : Bayview Loan Servicing , LLC ; XXXX XXXX ; XXXX Closing Company : XXXX XXXX XXXX ; XXXX XXXX ; XXXX Amount Paid : {$100000.00} Required Amount for payoff : {$100000.00} Date refund should have been received : Prior to XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: EQUIFAX, INC.
State: PA
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:
In XX/XX/2017 I contacted XXXX XXXX XXXX XXXX via telephone asking them to remove a credit card account listed on my report that does not belong to me. The balance on this account is {$3500.00} with a limit of {$4000.00}. I was added as an authorized user without my knowledge. This account does not belong to me. 

The response I received stated that they were unable to remove the account so it is now listed on my credit report. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I am the personal representative of my sister 's estate. When preparing to sell her home I discovered that PHH Mortgage had been charging her for insurance that was already being paid by her homeowners association. PHH Mortgage has since closed the mortgage with the home sale but has not refunded the overcharges for unnecessary insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reviewed my credit report and noticed fraudulent activity being reported to the credit bureaus. I asked that the items be deleted immediately as I am a victim of identity theft. I am also requesting that you stop reporting fraudulent information as I have reported the theft of my identity to the Federal Trade Commission. Please delete the fraudulent information off my report as it is reflecting poor credit history.

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 2021-04-22
Company: EdFinancial Services
State: VA
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 admitted by XXXX XXXX ( XXXX XXXX XXXX ). I am still studying in XXXX XXXX ( Arizona State UniversityXXXX XXXX ( next the White House and the XXXX XXXX in XXXX DC as first XXXX American veteran ), President Joe Biden ordered DOE and Edfinance not to include student loan in credit report due to COVID pandemic situation. 

President Biden, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX plan for canceling XXXX dollars through executive order or legislation. 

Edfinance company and DOE should stop posting student loan in my credit report without my consent. As a single parent with XXXX kids, I try to buy a home in rural area, student loan information in credit report should be removed to apply FHA loan, VA loan and USDA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am on Social Security XXXX and have been trying to modify my home loan to make the payment more affordable. Carrington Mortgage has been dragging their feet, losing documents I send them, and trying to stall the modification process as long as they can.

I have sent Carrington Mortgage ALL the information they requested and I am currently working with them to get the loan modified, but they just sent me a Notice of Trustees Sale! 

I have no other place to go and Im XXXX! I dont want to live in the street! 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have tried and tried and tried, both XXXX XXXX XXXX XXXX and Experian continue to ignore my requests to update my credit file with valid and accurate information which is a violation of both FCRA and FDCPA. XXXX XXXX XXXX XXXX continues to furnish inaccurate information. Derogatory information may only be displayed for a maximum of 7 years. My account first went delinquent in XXXX of XXXX when XXXX laid me off therefore making XX/XX/XXXX seven ( 7 ) years and yet XXXX continues to supply ND to the credit bureaus. Experian is in violation as they have failed to properly handle this investigation and re-investigation even though I have supplied them with the report they sent me which clearly states XX/XX/XXXX. They continue to simply give me the run around claiming XXXX validated their position. Well what about mine? What about fact? This is illegal for both of these entities to be reporting inaccurate and outdated information. Under federal law I have the right to dispute inaccurate information in my credit file. XXXX XXXX XXXX XXXX has failed to properly investigate and has not provided me a substantiated review of their findings during this investigation. Experian 's website will not allow me to submit additional or supporting documentation and the statement I have requested Experian to place on my credit file also has been ignored. Experian has grossly mishandled this investigation and continues to ignore my dispute.

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 2017-07-24
Company: ALLY FINANCIAL INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, These transactions are all unauthorized : XXXX XXXX 2017 XXXX E-PAYMENT - {$300.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$49.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$170.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$1500.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$2000.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$580.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$290.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$1400.00} " Provisional credits will not be issued for the transactions dated XX/XX/2017 through XX/XX/2017, as the recurring transactions were n't reported timely, within 60 calendar days '' I promise these are n't authorized transactions. I 've never done any business with the debitors. I 'd notice if thousands of dollars of stuff showed up.

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 2021-04-22
Company: TMX Finance LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had went to TitleMax in Illinois to get a title loan and I had brought them everything that they had asked for I was on unemployment at the time and my unemployment had ended well the GM at the Illinois store had seen that I had no income and I would have been fine with them telling me that I was not approved for the loan but she went about it her own way and head not told me what the interest rates were not told me how much the payments were going to be nor told me what the payoff would be after it was all said and done well 30 minutes after I left the business I called to the loan company TitleMax and had told them that I did not want the loan after I looked over paperwork online and she refused it and told me that I can not bring check back up there that she will not accept it and had made the remark by the way I love repoing vehicles I have contacted the company numerous of times and try to settle out with them and they won't accept the offer I feel like they took advantage of me knowing I did not have no income nor any way to pay my loan off and when I try to return the check they gave me they refused it I feel like they should be held accountable for all the illegal actions they took as in refusing to verify my income refusing to accept the payment back 30 minutes after I left the store refusing to settling out with me and charging me 134 % interest rate once again knowing I do not have the income to pay it back and I would have been fine with him telling me I'm sorry ma'am but you are not approved but instead they took advantage of me what legal actions can I do to hold them accountable for their actions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I initiated a dispute on XX/XX/XXXX regarding a charge of {$890.00} for a Two-Day tour for me and my XXXX year old daughter in XXXX. I paid for this tour with the XXXX XXXX. I also paid for my flight tickets with the same card. I booked the fights for XX/XX/XXXX. 
I booked the tour for XX/XX/XXXX, but made a reservation on XX/XX/XXXX. When I received a ticket voucher with a date of XX/XX/XXXX, I thought it was a date when I made a booking. I contacted the XXXX XXXX  on XX/XX/XXXX and specified that I am interested in the tours after XX/XX/XXXX. 

It turns out to be that on the voucher, was an actual date of the tour. However, I never booked the tour for that date. I also never received any communication from the XXXX XXXX   informing me that I missed it. 

The Billing Dispute Department did not offer my any assistance and basically informed me that the charge was valid. I disagreed with that decision. The Billing Dispute reopened my claim after I provided the additional information. And once again I received the same response : the charge is valid. I can only deduce from this transactions that the department even did not review the additional documents I sent. When I tried to get in touch with the manager, they told me the manager was unavailable and will get in touch with me. The manager left me a voice mail and when I tried to reach her, I spent 30 minutes on the phone and still was unable to talk to her. 
I have never dealt with such a poor customer service.

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/XXXX I sent out a certified letter to XXXX requesting there method of verification involving a bankruptcy they are reporting on my credit report. They later reply back with a letter stating that they was reaching out to the source they verified the bankruptcy with and they will send me the information that i requested. This investigation has took more than 30days and I am furious. I have file multiple conplaints about this company involing the same matter that you can see Thur my pervious complaint history. On XX/XX/XXXX i sent XXXX a letter requesting their methods of this same bankruptcy they replied back with a letter stating they verified the bankruptcy with the courts. That was falsify I sent them my letter from the courts stating they don't report bankruptcies to the credit bureaus .Under the FDCPA action 807 this is misleading false reporting I demand that this account be deleted immediately or i will file litigation due to the stress they have cause me. This company has pervious lied about information they are reporting on my credit report and can not produce the information i am requesting there for this account should be deleted immediately i have been more then patient for there response but its clear to see they don't have the information that i am requesting and they a prolonging this matter which is affecting my credit tremendously. Under the FDCPA act inaccurate unverified information must be deleted.

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 2017-07-23
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regarding Citi-bank : On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his passing. An auto-pay continued to draft {$270.00} from XXXX XXXX to Citi-bank. I notified Citi-bank of this post-mortem auto-pay, and they have not canceled / refunded it. I then contacted an Account Manager and emailed him a record of the XXXX auto-payment to Citi-Bank, and nothing as been remedied yet. Regarding XXXX XXXX ( XXXX, NJ Branch ) On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his XXXX, settled his $ XXXX total negative balance, bringing it to XXXX, requested to close the account. The account was not closed. Instead, the bank closed my mother 's savings account, which she was receiving her Social Security check direct deposited. Neither bank seems willing to help remedy this situation, and XXXX XXXX continues to charge {$35.00} insufficient fund fees, as well as keeping the account open, due to the new negative balance.

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 2020-01-06
Company: EQUIFAX, INC.
State: MD
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:
I REQUESTED A COPY OF MY CREDIT FILE WITH EQUIFAX IN XX/XX/2019. AND I RECEIVED A LETTER FROM THEM SAYING THAT I DONT HAVE A FILE. HOW I THIS POSSIBLE WHEN I SEE A FILE ON XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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 received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: EQUIFAX, INC.
State: OH
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 was going over my credit reports XXXX XXXX, XXXX, Equifax and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX  XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: EQUIFAX, 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation