BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: OneMain Finance Corporation
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: Personal information incorrect

Complaint:
I have personal information that is apart of identity theft on my credit report. I also have accounts that are not mine due to identity theft. 
Several disputes and attempts have been made to get wrongfully information removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am very upset with the XXXX dollars I received on your behalf for the lose of my home.This was a complete nightmare and the XXXX dollars is so unfair and a slap in the face. I need help to sue them myself and at least get my money that is owed to me. I 'm sure you understand that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Despite the clarification lette r ( see  attached ) from  XXXX , Transunion refuses to delete the account from my credit report.

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 2016-03-17
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted the mortgage company and explained i would no longer be able to make my full payments due to loss of wages. They suggested i try to sell the house on my own as a short sale. I followed their advise and tried for several months to sell the home. Several offers were submitted and each time they took too long or changed the price. At the end they had told me if i gave the home back to them it would only affect my credit for 3 years not 7. I just want them to change my status so it is not showing on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Bread Financial Holdings, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Comenity bank/ulta lowered my credit limit from {$400.00} to {$100.00} without notifying me, and have now closed my card due to purchases due to two returned payments that an account number was simply typed in wrong for. They lowered my credit limit based off of fraudulent info on my credit report and have now lowered my limit to {$100.00}. Rarely have I ever been late or missed a payment, but things happen. This card has been nothing but issues, from them holding payments until the next billing cycle even though my bank verified they were paid to lowering my credit limit without telling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I received a collection letter from Synerprise Consulting in reference XXXX XXXX 

On XX/XX/2022 I sent a certified letter ( see attachment ) tracking # XXXX ( see attachment ) that was delivered to Synerprise Consulting on XX/XX/2022 disputing the collection. 

In XXXX of XXXX, I received a letter from Synerprise Consulting ( see attachment ) backdated to XX/XX/2022 providing no documentation yet claiming they had done an investigation and that their information was accurate. I requested validation of the debt, which they did not provide. 

On XX/XX/2022 I sent another certified letter ( see attachment ) tracking # XXXX ( see attachment ) that was delivered to Synerprise Consulting on XX/XX/2022 once again disputing the debt. 

On XX/XX/XXXX, I got a notification from XXXX XXXX  that Synerprise Consulting had reported a collection to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Grain Technology, 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: Account status incorrect

Complaint:
Grain promised to remove 30 day late as XX/XX/2022 and has failed to do so. My account was updated with credit bureaus on XX/XX/2022 and 30 day late remains

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
RE : CFPB Case Number : XXXX Previously tried to respond, but computer stayed buffering, I now realize none of my information was uploaded. 
This is regarding DiTech opting to remove me from the Making Home Affordable Modification Program Incentive : " Pay for Performance ''. DiTech states that due to a late payment in 2014, I no longer qualify for this program. This is not correct.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: The Receivable Management Services LLC
State: GA
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 XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal 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 2022-11-08
Company: AmeriCollect
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( AMERICOLLECT ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the Covid Pandemic I was laid off and had to make changes to my mortgage through the Loss Mitigation Department. But during this long Process Loancare LLC continued to report negative/late payments on my credit report which waiting on the Paperwork to be sent to my address from the loss mitigation department so that I could file them out and get them back to them. I have tried correcting this issue with them directly and in 8 mouths nothing has yet to be done.

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 2021-06-16
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: Account information incorrect

Complaint:
my name is XXXX XXXX I am a federally protected consumer, and upon checking my consumer report I see that Equifax is violating me I have never authorize with written permission for XXXX to report XXXX XXXX XXXX, and convergent outsourcing on my consumer reports. pursuant to 15 USC 1681b ( 2 ) this is a violation that XXXX needs to remove these items immediately no consent is identity theft. I am a federally protected consumer, and I am not happy with what is reporting on M y consumer report. I will take legal action if have to, because this organization is violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: SQUARETWO FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying since XX/XX/XXXX to obtain a Corrected XXXX Form XXXX from my mortgage lender - USBank. I had a conference call on XX/XX/XXXX with the XXXX XXXX and Customer Service XXXX XXXX to review the valid real estate property tax payments made by USBank to XXXX XXXX XXXX XXXX on my behalf. In addition to the 2 legitimate payments for my XXXX property tax liability, USBank also made a duplicate payment - in XXXX - of a XXXX property tax liability that had already been paid AND that was already reported on my XXXX Form XXXX. XXXX XXXX returned that duplicate payment to USBank. However, USBank still included the extra payment in the total balance in XXXX XXXX of my XXXX Form XXXX. Essentially, USBank reported the same payment on my XXXX and my XXXX Forms and refuses to correct the XXXX Form. 

I have since closed my escrow account with XXXX XXXX XXXX because the convenience of having them pay my property taxes was not worth the huge lack of customer service with this issue.

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 2021-06-16
Company: Experian Information Solutions Inc.
State: WA
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:
Experian had updated the account with out properly fixing my credit score.The request from my last dispute was that they fix my score that negatively effect my life.

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 2022-11-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent two separate handwritten, certified letters to Equifax. The first was sent XX/XX/2022. I disputed a charge listed on my report that is not validated. I sent a second certified letter XX/XX/XXXX, and they still have not removed the unvalidated charge. 

The charge has not been fully verified whatsoever. Equifax did not send the requested original contract I am purported to have entered into with the company listed on my report in error. 

Please help me make this correction, and either make sure that Equifax follows the rule they are required to by federal lay ( providing me the original contract with the debtor listed ), or deleting it from my report- also required by law if they do not comply with validation of the debt. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I ordered a kitchen table and buffet on XX/XX/2021. XXXX XXXX kicked the order back and we never received. Well XXXX credit card charged us {$1000.00} for an item we never received. We have been dealing with this for 2 months.

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 2021-06-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan servicer : NAVIENT continues report loan payments for Loan number 3 and also Loan number 4 which directly violates my loan borrowers ' right under the Cares Act as well federal and state consumer protection laws and the Fair Credit reporting Act. I have reached out to Navient at the beginning of the year XXXX or XXXX regarding a significant drop in my credit score by 30 points in attempts to resolve the dispute to no avail and then I attempted to dispute the action to the three major credit bureaus with no resolution. Lastly..I reached out to the Attorney Genersl office in writing this past XXXX and the correspondence received stated.. '' It was an civil matter. '' The way that they are reporting my payments and my account has drastically affected my score therefore causing more hardship financially during the COVID 19 pandemic ... .This is equally heartbreaking since I am a XXXX worker that has been struggling to work nonstop during the Pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Date : XX/XX/2022 Amount XXXX dollars Basically, I deposited a check into my account and it took 10 business days for verification. Once it posted and was available in my balance Ive called the bank customer service to make sure he was available for me to start using it and they did confirm. Ive then went to the bank to try to withdraw and then the banker of that branch refused to let me withdraw some funds out of that and said they were gon na do more verification and as soon as I walked out the bank, my account got closed. I then called Wells Fargo customer service and they said on the phone that the money is posted and I should be able to access it. I went back to the bank and they said I have to wait for another 10 days of verification. They be going back and forth with me for months now. I called them again and they asked me to provide a letter from the check issuer stating that they actually wrote me a check which she did. Then they said it wasnt enough That we should both walk inside the branch ( the check issuer and the receiver which is me ) she flew out from New York to XXXX so we could fulfill their demand. Yet, they still gave us the run around as if this wasnt enough they asked the check issuer to go to her bank and have a banker print her bank statement showing that the funds were debited from her account which she did. So far all documents they asked us to provide we did provide. Yet they still havent released my funds. Im just leaving the bank now as Im writing to you guys and Im exhausted. I have all proofs. Letter from the check issuer stating that she made a payment to me, she also sent me her bank statement showing that the money be deducted from her account since XX/XX/XXXX. I also have the picture of the check. Im XXXX  and it sucks that I have to stress all over this. I been going back and forth with them since XXXX. Its been 4 months and Im begging you guys for your help

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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 notified the collection agencies/original creditors several times and notified them that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC ID theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
they do not work with you in arraigning payment. they want you to pay an amount you cant even afford have been like this for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I opened a dispute for a purchase made through Affirm that was supposed to be resolved within 90 days. It has been more than 90 days and the dispute has not been resolved, which has caused me to not be able to use my account or pay on the loan because it is still in the dispute process. Because I am not able to pay on the loan while it is in the dispute process, the loan now shows as " past due '' on my Affirm account. Because the loan now shows as " past due '' on my affirm account, I am unable to take out any new loans with Affirm, and the loan will now show as a past due balance on my credit report. 
I have contacted affirm over five times through their messenger application, and I have contacted them by phone every week with no resolution of the issue. Each time I send an email to Affirm or message them I do not get a reply, and each time I call they escalate my case to a supervisor, who then tells me that they can not help my case and that I have to wait further until their Disputes Department can get to my case. I was also told after the escalation that someone from Affirm would contact me with an update of the issue, which has not happened. 
I have attempted to have my case with Affirm solved several times to no avail because of the lack of response from their team, and because of their lack of response my Affirm account and my credit score are now being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is one credit inquiry on my credit report that does not belong to me this is thru transunion I have disputed this with the bureau as well as reached out to XXXX XXXX and sent the bureau a letter that I received from XXXX XXXX stating that this is not mine and yet the inquiry is still on my credit report I need this off my credit since it doesn not belong to me!!!! 

XXXX - Inquiry date : XX/XX/2020 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company Palisades collection is suing me for {$4700.00} this Debt is from XXXX/XXXX/2008 the statute of limitation for nys is 6 years This Debt is over 8 years old they never contacted me on this matter until i got a summons telling me they are going to take income execution on my wages. I have read that under the FTC and NYXXXX statute of limitation is 6 years in NYXXXX. I was never contacted about going to court on this matter or would have and fought this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I reported identity theft to XXXX, They sent my personal information to collector agency.They are keep sending mail.I paid that amount which was fraud in my account and They added interest which was paid by me from my bank account. They did not respond back to me while I was calling to them.

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