BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent multiple letters to dispute the charges they had put onto my credit, and had asked for proof of everything that I received at the hospital and they did not provide me with any information. They kept telling me it was verified, and would not prove the accuracy of the information on 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 explanation
Consumer complaint received 2015-08-06
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
An empty lot adjacent to the property that is the Commitment in the Security Instrument for my mortgage had a lien incorrectly placed on it. I would like to sell that lot, and can not get the mortgage company to remove the lien. XXXX backs the mortgage, and Green Tree Servicing , LLC is the servicing agent. Green Tree refuses to process my request for a title defect from origination, which is the preferred method per XXXX servicing guidelines. Instead, they want to process as a partial release of mortgage, which requires them to make the determination that the release of property does not adversely affect the debt-to-asset ratios, which it will. Therefore, they are unwilling to fix the issue. The county will not remove the lien, unless the mortgage company is willing to sign that the lien is in error, or that they willfully remove the lien. Since, neither Green Tree or XXXX will sign a document, or resolve the title defect, I am unable to sell a lot that was never part of the mortgage. 
I am attaching the original mortgage, which shows a purchase of Lots XXXX and XXXX, with the transferred property rights in the Security Instrument being only Lot XXXX ( see bottom of XXXX page of attached mortgage, under section TRANSFER OF RIGHTS IN THE PROPERTY ). I paid cash at closing for Lot XXXX, which as an empty lot, could not be made part of the Security Instrument.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Pnc bank is trying to take my funds stating I have an outstanding balance from XX/XX/XXXX. I opened this account in XX/XX/XXXX. I have a previous account with pncb an that was closed because pnc bank had fraudulent practices which forced the consumer to pay extra overdraft fees. A class action suit was filed and pnc bank settled. These fees were reversed and everyone who submitted a claim was rewarded. I have not received one notification from pnc bank that referred to any outstanding balance. This outstanding balance is due to fees from that old account. Since XX/XX/XXXX, pnc bank never sent one notice nor have a received any notice from any collection agency on their behalf. I was in the XXXX XX/XX/XXXX and applied to receive unemployment compensation which I setup to go into this account. On XXXX XXXX, XXXX, XXXX deposited the funds into my new pnc account. On the same day, pnc closed my account because " I had a XXXX balance for one month ''. I called pnc bank to resolve this issue on Monday, XXXX XXXX, XXXX. I was told the account was closed and why. Pnc reopened the account but stated a had an outstanding balance from XXXX. I explained to them that that old account was apart of a class action suit and I did n't not owe these fees. Also, as previously noted, pnc bank never notified me previous to XXXX XXXX, XXXX that there was an outstanding balance in question. There has been no detailed accounting of what I owe these fees for but pnc bank is trying to apply my XXXX funds toward rhus XXXX balance. I opened this account in XXXX XXXX and have had many deposit into this account. If there was a balance in arrears, why was n't it applied between XXXX XXXX and now. They could have gotten this number from anywhere. They are either trying to collect on these accounts they lost in a settlement or they are outright trying to defraud the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have repeatedly informed Financial Credit Network and it 's original creditor XXXX that I am not the responsible party for this debt that is reporting to my Credit Report in the amount of {$190.00}. The responsible party as of XX/XX/2015 is XXXX at XXXX, XXXX, CA XXXX. Also XXXX has record of the Owner changing the gas into her name around XX/XX/2015. This person can be reached at ( XXXX ) XXXX. The original creditor has this information as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my mortgage from greentree servicing that did not honor my loan modification I submitted paperwork XXXX different times. They said i was in foreclosure of which I want and charged my account {$1500.00} and really harassed me with phone calls and when I paid charged me a convince fee many times. I believe I am entitled to money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Grenn TRee LLC Has been charging me for home owners insurance since XXXX of 2015 with uot my knowladge or concent. They also made a payment to my own homeowners policy XXXX with out my knowladge or consent. They then shorted my escrow account for the month of XXXX and are now asking me to pay for it. For some unknown reason for the month of XXXX 2015 my mortgage payment went from {$1400.00} to only {$840.00}. I called them XXXX and asked why and no one could give me a clear answer only sumizing it was for the insurance charnges. Now they are asking me to pay for a {$530.00} escrow shortage? Can you please investigate these discrepencies? Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Capio Partners, LLC
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$730.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2016-05-26
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I confirmed receipt of my XX/XX/XXXX payment by the servicer on XX/XX/XXXX. The payment was not posted that day. I continued to check their website and noted that they did not post the payment until XX/XX/XXXX. In addition, I received the next monthly payment statement and it listed the effective date of the payment as XX/XX/2016. During this time, I reached out to the servicer ( via their message center on their website ) three times and received no response except an automated acknowledgement that message was received. My last message was titled as a QWR as I believe the effective date of the posting is in error.

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 2019-12-05
Company: EQUIFAX, INC.
State: CA
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 discovered an account on my credit report today XX/XX/19 because I was denied from opening up a credit card because of this account on my credit report that is not mine reporting in negative standing. I never opened this account nor did I ever allow anyone to open this account in my name with my information. I did not gain anything from this account such as money, goods, services or any other benefit nor do I have any written/verbal contract with this company. I have already filed a police report regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
Citibank is using past contact about fraudulent use to induce card members to fill out their survey. I almost filled out the survey because I thought the fraud warning required it. I was almost duped! This is deceptive!

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 2016-09-15
Company: KEYCORP
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
We purchased a boat 10 years ago and had Key Bank as our lender. Over the past 120 payments, we have been paying late fees in amounts of XXXX. I had contacted them to get our payment date adjusted to avoid the late charges. They assured me they would do this. We recently fulfilled our obligation with Key Bank and based on our timely montly payments, we feel we should be reimbursed the late charges. We always paid our montly payment at the same time, we never missed any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a loan with XXXX who entered into a loan modification agreement with me and then suddenly transferred my loan to Greentree Servicing LLC who did not honor the modification agreement. Subsequently they started the foreclosure process in 2010 where it is now in the hands of the court. I need your help to correct this injustice. I 've suffered a XXXX XXXX and other illness XXXX and anguish this has put me and my family through. Not to mention the irreparable finanancial harm this has cause. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: BROKER SOLUTIONS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was shopping for mortgage lending and I contacted two lenders. One of the lenders was Broker Solutions, Inc ( or XXXX XXXX XXXX ). This company offered me a conventional, 30 year fix at 3.75 % rate. I decided to go with them and after 2 weeks of paperwork and appraisal paid for they changed the loan rate to 4.25 %, plus {$1100.00} for a 0.935 % in points. The new conditions were more disadvantageous than the other offer I had. After several emails and telephone conversations I came to the conclusion that these people lied to me and I decided to change lender because I did not feel comfortable continuing business with them. I have documents they sent me to print, sign and fax back, and the emails to confirm the original offer of 30 year fix, conventional at 3.75 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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:
In XXXXXXXX XXXX XXXX Experian was made aware of fraudulent accounts being reporting due to identity theft fraud. As well Experian was requested by XXXX XXXX debt collector XXXX XXXX XXXX to remove a file.

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 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2021, I XXXX XXXX was denied a credit card by Capital One, I received an Adverse Action letter from them detailing their reasons for the denial. The problem is their reasons don not in any way comply with the FDCPA, TILA or the FCRA. I supplied my open end credit card also know as my SS #, still I was denied. I responded to the Adverse Action letter, which was sent by Capital One. To this day they have not responded. My response details their violations of the above mentioned laws and includes the remedies that I seek. The documents were sent USPS certified mail return receipt # XXXX and was delivered on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2016-03-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Had a XXXX XXXX account that paid XX/XX/XXXX out of closing that was settled thru XXXX and was payed directly to XXXX XXXX and pinnacle credit ended with my payment and sold the account after it was paid off to first national collection on XX/XX/XXXX. I have all the paperwork to send to confirm my complaint. XXXX refuses to talk to me after many calls to them. Please help me settle this problem. ThankYou XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Affirm Holdings, Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
PAID {$49.00} REMAINING {$33.00} Payment schedule Paid : XX/XX/XXXX XXXX  - XXXX - {$15.00} Processed : XX/XX/XXXX Loan terms Paid : XX/XX/XXXX XXXX  - XXXX - {$11.00} Paid : XX/XX/XXXX XXXX  - XXXX - {$11.00} Paid : XX/XX/XXXX XXXX  - XXXX - {$11.00} AutoPay : XX/XX/XXXX {$11.00} AutoPay : XX/XX/XXXX {$11.00} AutoPay : XX/XX/XXXX {$11.00} PURCHASE TOTAL {$77.00} DOWN PAYMENT {$15.00} FINANCED AMOUNT {$62.00} TOTAL INTEREST ( 29.94 % XXXX ) {$5.00} TOTAL OF PAYMENTS {$67.00} LOAN ID XXXX They are trying to tell me I am not paying XXXX in total and by their numbers yes I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: NY
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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.I will seek monetary compensation if this isnt handled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: MoneyLion Inc.
State: SC
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:
Lender has marked " account 30 days past due date tow times '' on credit report. I have never been late, it was set on automatic payment through their system. They drafted on my pay days. I contacted them on XXXX and informed them of issue on credit report. Lender stated they would investigate and contact me back. As of XX/XX/18 I have not heard back.

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 2021-08-31
Company: Experian Information Solutions Inc.
State: NJ
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:
I noticed a few inquiries on My report I do not recognize

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 2016-11-09
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax lowered my credit score by XXXX points in seven days. I tried to contact Equifax but was sent on a wild goose XXXX for over an hour, with no answers. 
No apparent change to my report. Other reporting agencies did not lower my score. 
I have been working to raise my score for a mortgage and do not need their crazy reporting PLease help

Company response to consumer: Closed with explanation