BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-09
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in a, Short Sale process with Dietch ( formerly Green Tree ) and XXXX since XX/XX/XXXX.The lenders have delayed making a decision on the process. I can not no longer afford to remain in the home, due to a financial hardship due to living on a fixed income, health issues, expensive medical care, treatments and high cost of medications. Additionally, Major home and auto repairs are contributing to me suffering a financial hardship trying to keep the home. I have live in the home for over 13 years, at the time that the home was purchased I was working. I retired in XX/XX/XXXX. My income decreased from {$78000.00} annually to less than $ XXXX.My income can not keep up with the cost to maintain the home. The home is XXXX levels, my health is deteriorating making it difficult to walk up the steps.I have provided both lenders with continuous documentation since, requesting the XXXX XXXX have complied with all documentation requests from the, lenders. I have submitted all information accurately and timely since XX/XX/XXXX.Ditech and XXXX continue to delay making a decision on my case. Both lenders frequently misplace submitted documents and claim that they did not receive them and that my application is incomplete due to missing documents. I have a team which consist of a Facilitator, a Realtor and a Law Firm who are representing me. The team reviews every document that I complete, prior to submitting them to the lenders for accurate, information. I am bombarded with multiple letter weekly claiming that they did not receive the document and states that my request is denied due to incomplete information. IF have been asked to send the same information in repeatedly. They continue to claim that the documents have expired and that I need to updated the same information that I have been submitting all the time. I have not been provided with any justification for the long delay and lack of decision. I have always submitted and honored all request from the lenders. 
I am fully aware of the severe fine that the FTC and the CFPB levied against Green Tree XX/XX/XXXX for mistreating customers. I feel that the lenders are treating me unfairly. I need your assistance with investigating my case to find out why the lenders do not come to a decision on my Short Sale request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recently pulled my credit report and discovered Commonwealth Financial Systems has furnished some items that were unverified information.I believe under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from my medical doctor c but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 did not consent to, authorize nor benefit from the following inquiries. Block and remove them. 1.XXXX  XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-05-18
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My house is in foreclosure, and I have someone who 's willing to pay off the entire balance cash. I asked Greentree for a payoff amount mid XXXX 2015. They said fax would be 24-48 hours and snail mail would be 5-7 business days. I opted for both. 3 days later I called and was told it takes 7-10 days for fax and 7-10 business days for snail mail. I waited, called back XXXX XXXX, 2015 and was told I was denied but a second request was put in on XXXX XXXX. Why was n't I informed and why is this something I need to qualify for?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX, American Express extended an offer to switch to a card with {$95.00} annual fee and as inducement they offered {$150.00} when I spend {$1000.00}. As further inducement to spend more they offered 0 % APR for 12 months. I made the switch, spent required amount and on XX/XX/XXXX received the {$150.00} bonus. 

In XX/XX/XXXX, without notice and explanation, American Express lowered my credit limit from {$16000.00} to {$7100.00}, depriving me of the possibility enjoying roughly 5 months of no interest on {$8900.00} in spending, which at their current APR of 12.99 % is worth about {$480.00}. 

I called and asked them to reinstate my credit limit and when they said that they can not, I acted in accordance with their good faith belief that I can not pay and switched back to a card with no annual fee. 

Now, they are claiming that I engaged in " abuse, misuse or gaming '' and on XX/XX/XXXX, charged back the {$150.00} bonus. See the specific terms of the offer that PLAINLY REQUIRE that I engaged in one of the above to claw back the bonus. 

If American Express believes that I can pay extra fees then they acted in bad faith in lowering my credit limit. Alternatively, if they acted in good faith, then they can not consider my actions, which are consistent with their actions " abuse, misuse or gaming ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle from Honda and financed with Honda Financial Services on XX/XX/2020. I received my first bill ( Statement date XX/XX/2020 ) with a due date of XX/XX/2020. I was eager to sign up for online access. However, I could not even register my account as the site didn't recognize my email, Honda Account number or Honda ID. 
Every attempt to try and register my account at Hondafinancialservices.com was unsuccessful. Every attempt created an " error '' message until finally a message showed up that I had one more attempt before being locked out. I tried calling the " Customer Services '' line and have each week for the past eight weeks. Sometimes I wait over 48 minutes, sometimes over an hour. No one answers this line, ever. The recording loops and loops with no one that ever picks up. There is nowhere on their website for a " chat '' or to ask for any help. All the queries I have done to do this myself come back to the same website with the same XXXX number. ( XXXX ) I called the dealership to be told that they are a separate company and that they can't help me. I tried the warranty company to be told the same thing. I mailed my second check yesterday to Honda Financial Services as I have no way of managing my account via the internet. As I have no way of gaining access to my account online Honda Financial Services has put me in a position of great danger in that it will only take one check applied incorrectly by them or one check lost in the mail to ruin my credit. 

This is extremely serious as I have no way of checking that my payment is being applied to my account. They have the ability to ruin the good credit that I have carefully built and am proud of. As I no one else to turn to I plead for you to help me fix this with Honda Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I 've recently downloaded the XXXX XXXX app where I can borrow money and pay when I get paid. On the app it is still saying that they do not have verification of when I got paid so I can not cash out for a payday loan because they are unable to communicate with my bank the State Employees Credit Union

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am showing XXXX open accounts on my Credit Report under XXXX XXXX XXXX XXXX is for {$10.00} and XXXX is for {$28.00}. I have attempted to contact them with the number I found on the internet ( XXXX ), but it is disconnected. I had contacted this agency in XXXX 2014 and I was informed that all my accounts were up to date. I would like this removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Paypal Holdings, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had access to my email after some time and saw a mail from PayPal dated XX/XX/2022, that my account has been permanently limited. 
When I logged into the account, I saw that it was true my account has been limited. 
I seem not to Understand why my account could be limited cause I don't usually use the account often and demand for explanation and in the same vain Call for its reactivation. 
My account is full verified and I can say for sure poises no threat nor in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX THE XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$4700.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off. {$3500.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4400.00} XXXX Account charged off. {$4400.00} written off. {$4400.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$14000.00} XXXX Account charged off. {$14000.00} written off. {$14000.00} past due as of XXXX XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$6600.00} XXXX Account charged off. {$6600.00} written off. {$6600.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Collection account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Collection account. {$4900.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Collection account. {$3200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4300.00} XXXX XXXX account. {$43.00}

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 2020-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
dates : XX/XX/2019 XX/XX/2019 XX/XX/2019 inquries that where made mutliple times without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2018 A hard inquiry that is old a should be removed immeadtaly i tried to contact the credit buerau to updated this information, its been over 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2019 A hard inquiry that i have no knowledge about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09
Company: Southwest Credit Systems, L.P.
State: VA
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 a letter on XXXX XXXX. This is the first time I've been contacted by Southwest Credit. I supposedly owe XXXX to a cable company. I have never had an account with the stated creditor. I looked at my credit report and the supposed time of service for this entry was when I was under XXXXhad never had any type of cable or wifi service. I tried contacting Southwest Credit and they said there was nothing they could do and directed me to the creditor. After multiple calls to the creditor, the creditor has no account under the account number from Southwest 's letter, my name, or social security number so I can't even verify the information using the original creditor. As I was a minor, I do not have the proper materials to file a dispute ( no utilities, no lease, etc. ). I have no idea how this is under my name or credit report when the company has nothing with my name or social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been asking Ditech for a mortgage modification since XXXX. The first was denied on income so I appealed since I started a new job. I faxed them ALL of the information they requested and have copies of the fax documents and upload reports and when I called they said they had the information. Then on XXXX XXXX they called and said my modification was not approved for lack of documentation and I should send in a letter stating I wanted to apply for another modification. On XXXX XXXX I received a certified letter informing me they are going to foreclose on my house on XXXX XXXX. I sent all of the documentation XXXX with a signature to make sure they have no reason to say that it was never received and now when I call they say it is pending being assigned to a loss mitigation representative. 

I would understand if I did not send/re-send/re-re-send/re-re-re-send the same documentation over and over. It appears they are dragging their feet awaiting the foreclosure.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: NC
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 regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2015-10-14
Company: Empowerment Ventures, LLC
State: MO
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
Rushcard had an update. I have n't had access to my money for 3 days. No way to feed my XXXX or put gas in my car. My phone is now disconnected due to this issue. It is not fair, and unfortunately we are all suffering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX XXXX, 2016 I submitted a payment for my remaining loan balance of {$1500.00}. This resulted in my loan being paid off. On XXXX XXXX, an additional {$500.00} was deducted from my account, which is the regular ACH payment that I had set up. I contacted customer service to ask them to release the funds back to my bank account and I was told that I would have to wait up to 30 business days to receive a check for the stolen funds. 

The Payment Request notification that I received states : " You 'll receive credit on your account as of the payment date listed. '' If my loan was paid off, and showed to be paid off, then why has Great Lakes continued to fraudulently deduct money from my account? 30 business days is entirely unreasonable, especially when Great Lakes is in the wrong. My account should be credited immediately. If that is not possible, a concerted effort needs to be made to issue the check immediately to mitigate my loss. Great Lakes had no problem charging me a daily interest rate of 6.55 %, but seems to think it is acceptable to drag their feet for up to 6 weeks and hold onto my money interest-free! 

When I asked customer service to reverse the payment, they said that only my bank could do that. I contacted my bank and they advised that Great Lakes initiated the ACH, so only they could reverse the payment. It seems that Great Lakes is intentionally failing to take action in order to maintain control of the funds that they took without authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: AES/PHEAA
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: Account status incorrect

Complaint:
In XX/XX/2022, my student loans with FedLoan Servicing were transferred to XXXX pursuant FedLoans contract termination with the federal government for student loans. When FedLoan transferred my loans, rather than adhering to the Department of Educations guidance that student loan accounts should be designated as transferred rather than closed, FedLoan reported my account as closed, resulting in a 73+ point drop to my credit score. This significant drop caused exclusively by the way FedLoan reported the transfer has serious ramifications on my ability to make purchases requiring the use of credit. Because FedLoan is no longer operating as a student loan servicer and no longer has access to any of my accounts, I can not raise the problem with them directly.

Company response to consumer: Closed with explanation