BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My account Number # XXXX has been a victim of fraud by someone and also by the same company XXXX, I am starting legal procedures against them since their customer service is the worst, I barely could hear them and i tried like 20 times calling and calling to unlock my account, when I had the account Deactivated They said that in order to activate it I Literally had to steal the mail that they will send me with the verification code after the call at my previous house. 
By the way there is not a single XXXX office on my city so i couldnt do nothing, XXXX blocked my account and I was never able to dispute anything and now they put my account on charge off. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., According to 15 USC 1681i ( 5 ), YOU as a Credit reporting Agency are supposed to modify accounts that aren't reporting correctly. i demand also 15 U.S.C. 1681s-2 ( A ) ( 1 ) As proof that I suffered fraud, you can also refer to a collection that I had in my account which was confirmed by the agency ( XXXX XXXXXXXX XXXX ) and was respectively deleted for the same reason ( Fraud ) I also take this opportunity to express my gratitude for the excellent services you provided me since I began my Credit Journey , I have faith that you will understand this difficult situation that has blocked my path to Keeping an Excellent financial life as I had. 

Respectfully, 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 explanation
Consumer complaint received 2024-01-23
Company: The CMI Group, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
An account was opened on XXXX for a student loan that I had no knowledge of, I never agreed to a loan in my name and was not given any paperwork to show proof of ownership of this account! I would like accurate proof to verify that I consented to having a student loan opened in my name '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Citibank said process of returning funds to the issuing bank only takes 2 weeks but its been couple months they havent returned the funds that I deposited to them they refused to release it to me, and they said theyll return that to the issuer but until now theyre holding my money which is the {$1700.00}. The last email they sent me they said they dont have update, I responded to their email but they havent responded. Its very frustrating theyve been lying to me and not resolving the issue. this happened since XX/XX/2023 and until now they havent returned my money. Ive been contacting the issuer if they receive the funds but still no.

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 2024-01-23
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX XXXX a VA loan buyer wanted to assume the loan and made earnest payment -numerous calls to freedom mortgage from XX/XX/19 to XX/XX/XXXX requesting information, how to fill out packets, how to start the assumption process, how to fill out paperwork, I asked for check lists and examples, company continued to not answer and only sent a single page request form. weeks into the process the company said the the information on the one page was not good enough and we had to start over -late XXXX ( roughly XXXX ) I had three way call with buyer and mortgage company, set a date of XX/XX/XXXX for him to meet with a loan processor -XXXX  XXXX a assumption packet was allegedly mailed to buyer, no tracking number provided -XXXX XXXX- company says that window to apply for loan has closed, we convinced them to mail another packet -XXXX XXXX second packet was allegedly delivered, no tracking number, packet was never delivered -XXXX XXXX I called company to escalate, no one would escalate call to managers, assumptions team would not talk to me, loss mitigation team was able to take call but did not have any informatino -XXXX  XXXX I talked to assumption team, they said on the XXXX and XXXX of XXXX an email with e sign docs was sent to buyer. This contradicts information about a mailed packet. they confirmed email. I spoke with my agent and she said the buyer has received no emails or mail from freedom mortgage.

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 2024-01-23
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit XXXX XXXX (. ) Account #., has violated my rights is 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 with my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer

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 2024-01-23
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello! 

I recently got mail forwarded to my current address, and just noticed the collection letter. I can pay it, but I was not aware it had been sent as the address it went to is in another state than I currently reside in and is not frequently checked. I had received no other form of contact that was able to reach me in ample time, as my phone is currently out of service and needs to be replaced. ( The phone number is good, I just haven't yet got the replacement! ) Letter sent out : XX/XX/XXXXXXXX  Date I received it : XX/XX/XXXX Amount of debt owed : {$14.00} Date listed in letter of when to dispute by : XX/XX/XXXXXXXX  Debt collector : Credit Collection Services Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted two payments to Freedom Mortgage on XX/XX/XXXX. I originally submitted a payment for {$1100.00}, but cancelled it once I realized it was for the incorrect amount. I submitted a new request for {$1800.00}, which was the correct amount for my monthly payment ( see attached e-mail confirmation from Freedom Mortgage ). Freedom Mortgage also verified that. ( see attached documentation ) On XX/XX/XXXX, I noticed the mortgage payment had not been deducted from my bank account. I immediately called Freedom Mortgage and made the XXXX payment over the phone, which I thought was paid on XX/XX/XXXX when I received the e-mail confirmation that it had been submitted. I had no reason to think it had not been processed as normal. Freedom Mortgage has admitted that the payment I submitted on XX/XX/XXXX was not processed for whatever reason. I made the payment on XX/XX/XXXX and it's out my control that it wasn't processed. Freedom Mortgage is failing to take ownership that it's their responsibility to ensure payments get processed when a customer submits them on their website. They are refusing to update the credit bureaus due to a glitch on their end with processing my payment.

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 2024-01-23
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I used Citi to do a balance transfer to XXXX XXXX for {$5000.00} back in XXXX of 2023. Citi said they send them a check for {$5000.00} but XXXX XXXX said they never received it. Citi has sent me a copy of a check which I have sent to XXXX XXXX. I have given both companies permission to to speak to each other and both say the other is at fault. This has been 10 months now with no resolve. Now both companies say I own them {$5000.00}. Citi still charges me a minimum payment. I don't see how in this day and age one of these companies can't figure what happened. Now a {$5000.00} debt turns in to a {$10000.00} debt because both are saying I owe them {$5000.00}. It is a nightmare. 
Any help would be greatly appreciated

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 2024-01-22
Company: Bonneville Billing and Collections
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Bonnville collections is on my credit report for XXXX XXXX XXXX Ive never received correspondence from either and I believe that XXXX XXXX  was a result of XXXX XXXX and winter freeze events- also possible that XXXX XXXX is billing me for months not belonging to me based on how rental ended with XXXX  XXXX XXXX Either way- XXXX has never provided statement not debt validation with options to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan with Lendumo on XXXX XXXX. I previously had a loan with lendumo which was paid off on XXXX XXXX and previously i had loan with lendumo which i took out on XX/XX/year> and successfully paid off on XX/XX/year>. I have had XXXX loans with lendumo. On my current loan that i took out on XXXX XXXX I have made a total of XXXX payments the loan term ends on XXXX XXXX. On wednesday XXXX XXXX i reached out to a lendumo representative to revoke my ACH to avoid an overdraft because of a hardship an unexepcted expenses and i explained that i will reach out to set up arrangements. I am on a fixed income and i am barely making it and i am struggling to make ends meet. In total i have made XXXX payments towards this loan and i have XXXX payments remaining. I would like to settle for the principle balance pay it in installments and close the account i have other expenses to cover such as bill utilities monthly bills and it is causing me to be in a bind. I look forward to a resolution to resolve this matter I have been a loyal customer since 2023 and i hate to do this but times have been tough for me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
The first Conciliation Conference was held on XXXX XXXX. My Wife, Who is on the DEED and has a Power of Attorney, logged in to the XXXX meeting but when my name and case was called the attorney for the lender said that Complaint has not been served to Defendant and the they're moved to the next case. The next conference was scheduled on XX/XX/XXXX. On XXXX we contacted Specialized Loan Servicing and applied for the short sale approval with all necessary documents attached and asked to put Foreclosure on hold. We received an email from XXXX XXXX XXXX XXXX XXXXXXXX stating that our application is under review. On XX/XX/XXXX we received via mail Package of documents with the Short Sale Program Approval. On the same day we got court document stating that Defendant failed to appear to the zoom Metting on XX/XX/XXXX and the STAY IS LIFTED. We were under impression that because we applied for the short sale, we don't need to attend the Conciliation conference on XX/XX/XXXX. This file should be on HOLD.

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 2023-12-18
Company: Credit Karma, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my money disappeared from my account i callled credit karma to see what was going on and they told me to file a dispute wait on the right department to email me with there resolution. As days went by i waited and called everyday. None of the representatives have helped me they only get my information make me wait on the phone for over 30 minutes until they tell me to just wait for an email. I asked can they tell me how did this happened they only tell me the right department will contact me. I expressed how I recently got put out my home and they still told me its nothing they can do but to escalate. Ive called over XXXX times and was told the sake thing. XXXX is next week and i still have yet to hear anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My escrow changed and I was not notified because I was on electronic documents. My payments were made automatically from my account and were short. I wasn't called or notified by mail of an issue until 4 months after the problem started. In XXXX I called to straighten the situation out and was given an incorrect figure to bring the account current. The representative pulled from my bank account {$130.00} and should have been {$1300.00}. I was called a few days later to say it still was not correct. On XXXX XXXX The Truist representative pulled from my bank account the difference which was {$1200.00} to bring the account current. I requested to speak with a manager and was told no one was available. I requested a call back and never received one. I also requested to remove the escrow and pay the INS and taxes myself and was told I was denied because I live in a flood zone. This is despite the fact that I have over 80 % equity in my house. On XX/XX/XXXX, I over paid the new mortgage amount oXXXX XXXX by paying XXXX. In XXXX, I received a new statement that included another late fee. I called again and was told it could not be waived. I asked to speak with a manager and was told that one was not available and would receive a call back. I never received a call back. I have not missed a payment in 9 years. I have paid XXXX dollars in late fees and even after I have done everything possible to get this corrected I am still being charged late fees. When I asked if I could get something in writing showing the account is now current, I was told I would have to wait for a new statement. This is blatant robbery and Truist is intentionally using this opaque process to make money on late fees. If the figures to bring the account current were not correct, that is the fault of Truist and I should not be charged late fees. I have wasted several hours on the phone trying to get his resolved and I am still getting the runaround.

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 2024-01-10
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-01-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts and inquiries on my ChexSystems consumer report that are not mine and do not belong to me. I have been a victim of a identity theft and I have filed a Police Report as well as a report with the Federal Trade Commission. All I want is for ChexSystems to remove those accounts and inquires. Here is the full details of the situation : In XXXX, during our move from XXXX XXXX XXXX our house was XXXX  before we completed the move-in process. Unfortunately, my girlfriend left the door unlocked while we traveled back to XXXX  to retrieve more items from storage. The thief seized the opportunity and stole our TV, along with several personal documents such as my birth certificate, driver 's license, and social security card. 

Although I managed to replace the documents at that time, a recent check of my ChexSystems consumer report unveiled unauthorized activities using my identity. Over the past few years, someone has opened multiple bank accounts and made several inquiries without my consent. The fraudulent accounts and inquiries are reported on my ChexSystems consumer report, and here are the details : Accounts : 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 I have already taken steps to protect my information by placing a freeze on all my consumer reports. I hope that by sharing this information, we can work together to apprehend the person responsible for these actions. Your assistance is greatly appreciated as I seek the resolution I deserve. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During the time of the event when this occurred i had XXXX  which covered this, i explained the company did not due the diligence even after receiving the XXXX  card and info. The balance should have been removed instead i recieved phone calls from the company threating to affect my credit score and sue. These charges should not have been charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 my certified letter responding to the debt within the 30 days time frame went unanswered. In this letter I requested proof of debt, itemized breakdown, any attempts previously made to collect the debt. I also requested that all correspondence be done by mail or email. 

XX/XX/2023 I called and asked if my letter was received. They said it had not been although it was signed for. I verbally requested items outlined above. 

XX/XX/XXXX a second call was made in which I was transferred to management and they attempted to get me to talk about the letter. I stated again all correspondence will be done by mail and asked for the items outlined above. 

XX/XX/XXXX I called again to request the items outlined above. I do not have high hopes I will receive anything.

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 2024-01-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian closed another complaint without addressing the issue but reverted back to the long form computer generated response which is Experian standard stall tactic

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 2024-01-18
Company: The CMI Group, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Credit Management LP has bought this debt ( XXXX XXXX XXXX ) for the sum of {$310.00} from XXXX XXXX XXXX XXXX which was removed by XXXX XXXX I am a victim of identity theft and would like it removed as soon as possible, This item is constantly resold to different collection agencies. I have provided a police report to them, a written affidavit of identity theft, an FTC affidavit, a bank statement to verify address, social security number, and, driver 's license. and they will not remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief