BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: MD
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: Southwest Credit Systems, L.P.
State: IN
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 saw a collection for Southwest Credit Systems on my credit report. I immediately contacted them requesting debt verification. I sent a letter requesting it on XX/XX/2016 and never got any documentation to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A charge for {$190.00} was taken over the phone by a fraudulent travel agent XXXX XXXX XXXX from the internet for 1 night stay in a hotel. When we arrived at the hotel they had no record of us. Within 2 hours of the reservation made on line we called Wells Fargo and disputed the card charge and asked that they not honor the charge. We did not stay in the hotel since the hotel had no record of them ever being paid. Wells Fargo 's debit card has the XXXX logo on it and they are false advertising if they do not honor the customary procedures for XXXX. We should not be charged the {$190.00}. 

Claim # 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 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent various letters on XX/XX/21, XX/XX/21 and XX/XX/21 to the credit bureaus regarding these collections accounts and I have yet to receive any letter regarding their investigation nor no validation, within the time allowed by federal law.

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 2022-05-06
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-06-21
Company: BARCLAYS BANK DELAWARE
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-21
Company: Tower Loan of Mississippi, 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:
Tower Loan, XXXX XXXX XXXX XXXX, XXXX MS XXXX has been reporting an account that they have not validated as mine nor have they sent me a valid contract proving that I have a loan with their firm. I have tried to get them to perform these tasks or simply delete this information from my credit reports. To date, no response at all. Therefore I would like the loan/account information DELETED as soon as possible! 

I have all the certified receipts from them so I know they got the notices. 

This has hurt my reputation ; severely damaged my credit thereby making it hard to get a house, car or other credit cards. 

They have also broken several federal and state laws!! 

DELETE! DELETE! 
My next step is court action. I have informed them of this option also!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Maximus Education, LLC dba Aidvantage
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently graduated during the XXXX XXXX XXXX. I am trying to set up an Aidvantage account so I can begin the repayment process. Whenever I try to register for an account, I receive an error message that the information I am putting in does not match the records at Aidvantage. I checked my information through studentaid.gov and all of my information ( social security, phone number, email, birthdate, etc. ) is correct. Rather than go through Aidvantage customer service, I chose to submit a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have owned a property in Hawaii for quite sometime and have always had full hazard insurance on it. Last year I got a letter from XXXX XXXX XXXX saying I needed to add Hurricane insurance on the property. I do mortgage loans and know that most banks do n't require hurricane insurance. I was forced to buy it from a company called XXXX said they would put expensive insurance on it. XXXX then sold the loan to greentree and then it went to ditech. I called ditech to get out of the added insurance but they said it was wind and hail insurance. There 's no Hail in XXXX. A woman named XXXX in their insurance department said it was ditech 's policy. 
I do n't think the bank that purchased my loan should be able change the contract and add an additional insurance cost as a requirement. Some banks for years have been trying to say that it 's a state requirement to have hurricane insurance in XXXX. It 's not - it 's a racquet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

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 2015-08-03
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to Green Tree servicing. I set up auto pay with them and can not get ahold of them to confirm it was set up. It is already XXXX days past my due date and I emailed them before my due date and still have not received any info. Also I have held on the phone for over XXXX mins and still have been unable to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Receivables Performance Management, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call from this number, XXXX, and as soon as I answered the phone they hung up. I called the number back and asked if someone called my phone and was asked was I my name. I said yes and the person on the phone said unclearly that they were RPM a company based in XXXX, WA and that this was a business call. I asked a business call pertaining to what. We are a debt collector. They said my address to me without the zip code and I said yes. I asked who are you and if I owe a debt mail me proof of the debt. The person asked me to verify my zip code and I responded with you have my address and zip on file. The person hung up the phone on me. I called back more than XXXX times and was hung up on each time. I spoke with a supervisor who also hung up the phone and would not disclose any information about the debt if one even exists. I called again and was told the company 's name is Receivables Performance Management. I XXXX this information and their address is XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX. This company 's other phone numbers XXXX and XXXX, which the last number I have seen on the caller ID many times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The payment history of this account is incorrect. This was on forbearance under CARES Act. Please investigate and update with lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wish to raise an official complaint in respect of the treatment of my mortgage account of Ditech Financial LLC a XXXX XXXX on the basis that our payments are not being recorded correctly. 
I have enclosed our payment history since XXXX/XXXX/XXXX to reflect that my account is not delinquent. What we were told by Ditech is that the XXXX/XXXX/XXXX payment was applied to the principal instead of our XXXX monthly payment. This made us delinquent for our XXXX payment. The explanation that was given to us was that they switched to a new system and mistake was committed by their system. 
My wife and I have called Ditech several times for the last 14 days ( XXXX XXXX to XXXX XXXX, XXXX ) to ask them to correct this error. I spoke to XXXX on XXXX XXXX and was told that this error will be fixed soon. We received XXXX letter that our account has been assigned to an account representative with a statement that states " this communication is from a debt collector. '' On XXXX XXXX my wife spoke to an account representative XXXX XXXX who promised my wife that this error will be corrected on XXXX XXXX, XXXX but as I have narrated XXXX XXXX this error has still not been corrected. 
We are reporting this complaint to protect our credit history since we pay our financial obligations on time and have excellent credit histories and credit scores. Also as my wife was reading reviews about Ditech several have complained to several federal agencies and have suffered delinquent accounts for reporting their complaints. 
Please assist us in this matter.

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 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Reporting inaccurate information part # 1 : Transunion has XXXX XXXX XXXX XXXX XXXX XXXX XXXX : reporting " late '' for month of XX/XX/XXXX but on time XX/XX/XXXX. 
While XXXX  is reporting the opposite : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : reporting on time for XX/XX/XXXX but " late '' XX/XX/XXXX. 

Reporting inaccurate information part # 2 : Both Transunion and XXXX are reporting a collection listed as XXXX XXXX XXXX : I sent a Debt Validation letter and have not heard back with my request for them to validate the debt nor have they responded at all and this was sent in XX/XX/XXXX, it is now XX/XX/XXXX. 

I want both Transunion and XXXX to either validate the debt and " late '' payment correction or delete them all together as neither of these inaccuracies have been corrected nor validated.

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 2021-06-21
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
7 phone calls, an e-mail with a second request, request to speak to a supervisor with no results. Fighting to get my Escrow Refund for almost four ( 4 ) months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/XXXX, I lived in California. I had never paid CA state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XX/XX/XXXX ; he deployed shortly thereafter. I had no idea that CA was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew California would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XX/XX/XXXX taxes, requesting my refund and that the lien be removed from my credit report. The CA FTB can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the FTB that stated the tax return I submitted on XXXX/XXXX/XXXX, 10 days after the lien was filed, showed a balance due of XXXX. 

It is frustrating to see that the lien shows " paid '' on my Transunion credit report, as I never paid a single dime to have it removed, because I owed them absolutely XXXX, and they owed me {$350.00}. 

XXXX shows no status at all, not paid or released, just ... nothing. 

I do not know what XXXX shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX Wife )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Ocwen Financial Corporation
State: FL
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Filed a dispute on XX/XX/2021 with Equifax because they have my identity incorrect on my report. My last name is listed incorrectly. 

Confirmation number : XXXX Dispute is still pending on XX/XX/2021. The estimated close date is still XX/XX/2021, which is now impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A new escrow analysis was done and returned a {$700.00} house payment increase. It was discovered that Insurance and Taxes were incorrect. When DiTech took over from Green Tree servicing ( XX/XX/XXXX ), the computer system change over some how double payed my insurance, which caused the increase. Also, when my Tax escrow was computed, Ditech did not take into account My homestead AND XXXX person ( since XX/XX/XXXX -- XX/XX/XXXX on the current property ) exemptions as well as a TAX FREEZE. 

Over several Phone calls speaking with customer service manager XXXX @ ext # XXXX, 5 attempts were made to recompute escrow. Because of Ditech error, not all insurance and processing fees were returned to my account ( approximately {$2300.00} ). 

Full documentation for county Tax computation was FAXed to Ditech but even with correct information, they insisted an approximate {$500.00} increase in payment. 

The credit reporting agencies have also been informed of 30 days late status. This is the first time being late on my house payment, and since I am in the process of applying for a car loan, the information has impacted that process as well. 

Please be aware That XXXX has been trying and not been able to get my problem resolved. She is as frustrated as I in this. She is not far enough up the chain of service managers to get to the bottom of the problem. I honestly believe she is not at fault. 

Between {$2300.00} and incorrect TAX computation, that ALL parties involved agree was originally caused by the Computer system change, I ca n't believe it should be this difficult to correct. The additional fallout of the credit reporting agency notification makes it an order of magnitude worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Judgment against me listed on my credit report, however under " Status '' it 's reporting as " unknown. '' Now, as public record, the reporting agency could easily have found that the debt had been settled XXXX/XXXX/2014. I haven been denied housing and utilities due to this " outstanding judgement '' for several years. I need this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief