BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this with XXXX, Equifax and XXXX XXXX several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that one is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: CITIBANK, N.A.
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:
( a ) Back in 2020 I have submitted to Citi a group of ( 7 ) disputed transactions on my account to which the merchant owed me full refunds. From the 7 transactions, Citi only processed 2 items complete refunds, and 4 items Citi split and processed only partial refunds, leaving the 4 items uncompleted and 1 item skipped in its entirety. I believe Citi mishandled these items as there is no rational as to why 2 items were completed, and 4 just partial split amounts, with one none. The same processed that was followed on the 2 completed items should have been followed on all 7. See attached my letter with full details. ( b ) Citi was also due to refund me for approximate {$6500.00} in interest fees charged on the above mentioned items. None of the interest fees has been refunded despite of repeated promises that I would see those adjustments on my 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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX has a collections report on my Trans Union credit report. Opened XX/XX/XXXX. 

I have no knowledge of this Collection, but its paid. 

I sent a letter to them certified on XX/XX/XXXX but havent gotten a response

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 2019-12-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Reached out to lien holder to inform them that my vehicle had been deemed a total loss and informed them that I was filing claims through my insurance company and GAP Coverage to remit payment to them. I was told that was fine and to keep them up to date on the process and I did and my account is being marked delinquent even though payments have been made to my 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 2015-09-11
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a XXXX mortgage with XXXX XXXX XXXX, in XX/XX/XXXX I fell behind due to the mortgage crisis and me being a lender myself. I also had a XXXX mortgage I fell behind on. Green Tree Mortgage bought my XXXX mortgage from the XXXX lender, the note amount was for XXXX, Green Tree offered me a buyout settlement for XXXX, I was told by my lawyer not to accept it. Green Tree then bought my XXXX mortgage from XXXX XXXX XXXX, time after timer after time I would speak to Green Tree about a modification and then would send out a packet. I would then ask them what the XXXX mortgage payment would be in addition to the XXXX mortgage. Every single time and it just happened today the Green Tree rep would say " YOU DONT HAVE A XXXX MTG '', this is not true I do have a XXXX mortgage. This has gone on for years and years, they can not nor will they provide any info on my XXXX mtg. I was called XXXX time and the rep said " It was forgiven '' I was then called a few months later and the girl insulted and laughed at me when I said someone told me it was forgiven. I am a single father of XXXX and this has been so emotionally draining on me. I want information on what my XXXX mtg payment would be if we did a modification they they never ever give me that info. I even went to mediation with a judge and the lawyers for Green Tree in XX/XX/XXXX and the judge asked the lawyer about a XXXX mtg. The lawyer said he was not aware of XXXX. The judge had the lawyer call Green Tree on the phone and ask about a XXXX mtg. He was on hold in front of the judge for XXXX minutes. Someone from Green Tree finally confirmed there was a XXXX mortgage. The judge then asked if Green Tree would guarantee not to foreclose on the XXXX mtg if I agree to the first mortgage modification, Green Tree responded " No they could not guarantee that ''. The judge then told me not to accept the modification offer since they could come a month later and foreclose on the XXXX mtg. I have tried over and over to get information and Green Tree refused to provide anything. It is a Federal law that they have to provide a borrower information within 30 days of a request on an account, they have violated this law over and over. I have been harassed, spoken down to insulted for years by Green Tree I want an answer about my XXXX mtg. Please HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: WI
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 to the fair credit reporting act Convergent account numbers XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX BILLING Account Number : XXXX XXXX XXXX Account Number : XXXX has violated my right 15 U.S.C 1681 section 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 to not furnish account without my written instructions XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX BILLING Account Number : XXXX XXXX XXXX Account Number : 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 2022-04-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX {$2000.00} This was an unauthorized charge due to some sort of a phone hack through a phishing email that caused someone to use my funds into XXXX  and transfer the money out. This was disputed with Wells Fargo and they happened to decline my claim without doing the due diligence. 

XXXX {$1000.00} This was an unauthorized charge due to some sort of a phone hack through a phishing email that caused someone to use my funds into XXXX  and transfer the money out. This was disputed with Wells Fargo and they happened to decline my claim without doing the due diligence. 

XXXX {$2000.00} This was an unauthorized charge due to some sort of a phone hack through a phishing email that caused someone to use my funds into XXXX  and transfer the money out. This was disputed with Wells Fargo and they happened to decline my claim without doing the due diligence. 

Date XX/XX/21 {$410.00} This was for a returned item at XXXX XXXX for a refund. I had returned my glasses with XXXX XXXXt in XXXX XXXX XXXX, NJ. I was given a return receipt but the refund never arrived. After days and weeks of trying to figure out why im not getting the refund, i disputed the transaction. Wells fargo declined my claim. I contacted XXXX and they responded and apologized and said they have processed the refund. It's been months and months now and still I haven't gotten the refund. Wells fargo didn't do the due diligence. Please see attached email from XXXX XXXX saying my refund has been processed but till to date, i havent received it. 

Some info. Receipt # 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 monetary relief
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: NV
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:
What Happened? 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay 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 2016-11-07
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Customer ID : XXXX CNU Cashnet calls my phone 6 times a day i have my phone log save constantly harasses me. I am on a credit management plan and they do not want to wait for payment. She keeps harassing me to borrow money to pay them. She has called my work phone several times and I advised her not to

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TransUnion refuses to update my correct employment information, preventing me from applying for a home loan.

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 2022-04-15
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2600.00} XXXX XXXX Balance {$720.00} XXXX XXXX XXXX  XXXX Balance {$930.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX  XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX, XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX : XXXX XXXX 1904 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$200.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXX Balance {$450.00} XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXX  XXXXX Balance {$2600.00} XXXX XXXX  XXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX  Balance {$600.00} XXXX XXXX XXXX XXXXX Balance {$2100.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX  XXXXX Balance {$470.00} XXXX XXXX XXXX XXXXX Balance {$250.00}

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 non-monetary relief
Consumer complaint received 2022-04-15
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I got a Alert phone that there was suspicious charge on my XXXX. XXXX. I check my statement there was a charge I didnt make.

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 2015-08-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Loan ( Mortgage ) with Green Tree and they charge a {$12.00} fee even if automatic payments are set-up directly from the bank account. For example I called to set-up my automatic pymts. and they told me that every month they are going to charge me a {$12.00} fee in addition to my mortgage payment. The only way to avoid the fee is by mailing a check every month, and again as they said, that is not a secure method because the check can be lost in the mail. We are in 2015 and I do n't consider the {$12.00} fee fair to Green Tree 's costumers. Just multiply {$12.00} fee for 30 yrs!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: Ditech Financial LLC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an urgent problem with the servicing of the mortgage on my property in California. ( I am living in XXXX, XXXX XXXX. ) Green Tree, which was awarded the servicing of my mortgage a few years ago, seems to have merged with a different company. I have not received a statement in 3 months. I have received no notification of the situation and no information about where my mortgage is held now. There is no online contact information for either company. 

I have continued to send my mortgage payment to the Green Tree account, so as not to trigger default problems. Payments are continuing to be received but there is no acknowledgement. Without any information about where the mortgage and who is servicing it, this now seems extremely foolhardy. 

I need : A letter from the company which is now responsible for my loan. 
Account number, address, phone number, and working Internet URL. 
I need a report confirming payments received in year 2015 and full electronic access to my account ( URL which works in XXXX XXXX. 

NOTE : Green Tree was never able/willing to give me access to my account online. 
After I complained to CFPB about not having access to my data, company was ordered, and agreed, to send me monthly statements, showing the current principal and last payment. That arrangement worked until three months ago. If notifications were posted on the Green Tree site, I obviously had no access to them. 

The new mortgage company needs to be aware of this IT problem at Green Tree, which cut off all electronic information outside the XXXX. 

I need this ASAP. I can not continue sending money to a nonexistent company which does not have an Internet presence with a phone number. 

Attached : scan of the last statement I got from the Green Tree mortgage company. 
My account number and address information are there. 

Thank you so much for your assistance. 

XXXX XXXX XXXXXXXXXXXX DETAILS According to this source XXXX Green Tree does not exist anymore. Its listing Green Tree Servicing XXXX XXXX XXXX XXXX Mortgage Services https : //www.greentreeservicing.com/ brings brings blank on XXXX search. ( That 's in XXXX XXXX. 

By searching complaint groups ' sites, I have found that the presumed successor company is Ditech, but their site is also unavailable : https : //www.ditech.com/ " This webpage is not available ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax refuses to update my correct employment information, preventing me from applying for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This is addressing the loan I requested and they denied it. There is I feel, subjective inferences in relation to the denial of the appeal. Their reasoning was excessive credit obligations n relation to income. This is why I feel there is subjective reasoning for this. The loan that I requested was not in addition to a current loan that I have with Navy Federal, a signature loan, I wanted to request a loan to pay off the loan that I have, a signature loan that I have with 38 months left at XXXX $ a month. Once I obtain the new loan, it supersedes or pays off the signature loan, with additional funds I requested and the pay off is in 36 months, and that rate was at a lower percentage rate. This would not change what I basically have right now. Now what would be the difference if I added collateral? Does that change the dynamics because if it does this is a fake system. So l would like to proceed with collateral. I have a credit score of XXXX.that proves I am creditworthy. I was never late with any payments owed to XXXX. Like I said I was with this camp for 30years. Im really curious how they determined this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mother died and I did not know she had a mortgage on her estate. When i found out about the mortgage i immediately contacted the mortgage company to make a payment. They informed me that I was not the executive of estate due to the fact they can not talk to me. Thereafter I became the executive of estate, then they requested documents death certificate, will, utility bills my birth certificate so on an so forth. By that time The mortgage company XXXX informed me that the estate was in foreclosure. That there was not a payment in a year. I panicked for a moment. I asked what is it that I have to do to stop the foreclosure. XXXX informed me that I had to fill out a Loan modification packet. I did over a dozen of Loan Modification packets. XXXX informed me that I was denied a Loan Modification because I was not residing in the house which the utility bills had the address of the estate. By that time XXXX had sold there Company to XXXX XXXX. Then we had to start over again. At that time I had all the documents XXXX XXXX XXXX requested at that point XXXX and XXXX XXXX was at fault for over charging minority. Then XXXX XXXX XXXX sold there Loans to Greentree. At that point I had to start over again they did not have any documents from the previous Companies. How can you determine if my mother owes on a loan if you do not have any documents that I summited. Well after I summit all the documents that greentree requested. Greentree always said that XXXX document or another. I played alone with that game for about two years then Greentree informed me that they was merging with DiTect at wits end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had filed an individual bankruptcy XX/XX/XXXX. I met all obligations and the bankruptcy was discharged XX/XX/XXXX. I notified the lender ( Greentree Services/Di-Tech ) via telephone regarding discharge, which they acknowledged receiving. To this date they still reference my bankruptcy on my mortgage statement and have failed to provide balances on my mortgage statement. When I filed my bankruptcy in XXXX XXXX they immediately made reference to bankruptcy on XXXX statement. What is so hard removing it from my mortgage statement. Additionally, I have called and asked for a pay-off of my first mortgage and they tell me I have to write a letter requesting this information. I should be able to obtain this info via e-mail or over the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Dream Center Education Holdings
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Im having issues with paying back my loans XXXX of the schools I attended wasnt accredited.. XXXX XXXX wasnt accredited and they messed up my financial aide. XXXX sped me through the process and I didnt learn anything from them..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation