BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Unauthorized Transactions XX/XX/23 {$100.00} XX/XX/23 {$400.00} Atm cash withdraws I tried to withdrawal money from the atm on XX/XX/23 and my transactions kept getting declined stating that I reached my daily withdrawal limit. Upon checking my account I noticed my account had XXXX unauthorized withdrawals in California in the amounts of {$100.00} and {$400.00} totaling in {$500.00}. I contacted Way2Go customer service and the representative was very rude and kept insinuating that it was me and there would be nothing they could do. She still did file the claim for me which I never received my paperwork to send in which they automatically denied my claim nor did I receive a new debit card. Ive had to call them over and over to get the investigation results, which is where they didnt investigate. After months of calling I finally received my new card on XX/XX/23 on XX/XX/23 I received another denial letter with absolutely no context behind it whatsoever they have not done any type of investigation theyre just going off of their own assumptions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: JTM Capital Management, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried repeatedly to contact " JTM Capital Management LLC '' regarding this old debt that I am 100 % not aware of! I have disputed this information on my credit report more times then I can count. I have sent letters that are always returned. and the debt always comes back verified?!?!?!?!?! I have come to a point where i'm trying to repair my credit. I have recieved a notice that my information was leaked on the internet. but i'm not sure which debts are mine and which aren't because many are so old! I planned on paying the ones I'm aware of and disputing the ones I don't think are mine. Starting with this company! it's impossible to get ahold of them by mail or phone! Not to mention the account is XXXX XXXX XXXX and the statute of limitations in NEW YORK State is 3!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
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: Their investigation did not fix an error on your report

Complaint:
Hello ; I need help. I submitted various proof requesting the originals creditors request to remove items off of my credit report. 

I submitted these documents via email with return receipt. These items still remain showing incorrectly on my report. Equifax reported doing an investigation. I submitted various companies letters and they have yet to correct the problem. 

Please assist. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: IL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-03-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX Citibank Preferred Mastercard ( ending in XXXX ) cancelled. 
XX/XX/XXXX {$10000.00} deposited in Citibank ( XXXX XXXX XXXX, XXXX XXXX, CA ). 
XX/XX/XXXX Used credit cards, told card was delicined, called bank, told account had funds. Told Citibank Master card was cancelled and that automatically forfits my Thank You Points ( XXXX, XXXX ). 
Told that credit card would be reinstated. 
Card never reinstated. Wrote to Citi Card Customer Service po box XXXXXXXX XXXX XXXX XXXXXXXX multiple times in XX/XX/XXXX, again in XXXX and again in XXXX. Told by cusomter service I would get Thank You points back and they saw error that card canceled same day deposit was made. Then told card could " not '' be reinstated. Sent over 12+ letters, made multiple phone calls, left messages, spoke with numerous Citi Bank people who escalated this, never got call back. Balance at Citibank mantained same as in XXXX, sent one final letter XX/XX/XXXX, no reponse. I am XXXX XXXX XXXX, COVID lockdown in CA was going on XX/XX/XXXX - told that I would get my hard earned Thank You points back ( {$700.00} value ). Branch manager verified that Citibank credit card made the mistake, and I was told my card would be re-instated and encouraged me to persue this. She told me bank is seperate from credit card so I belive I have done everyting possible and I am sill NOT happy and need to have my Thank You points given back to me. That is why I had that credit card and what they did to me is elder abuse. I would like your help. 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 2018-02-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received an annual escrow account disclosure statement dated XX/XX/XXXX from Lakeview Loan Servicing , LLC. This statement reflected a {$1900.00} shortfall in the escrow account associated with my mortgage, & the mortgage payment was set to increase 27 % from {$660.00} to {$830.00} on XX/XX/XXXX. Property taxes are only {$370.00} per year, & XXXX property hazard insurance was {$2000.00}. {$250.00} of each mortgage payment was being deposited into escrow throughout XXXX, which should have easily covered these amounts for the year. However, after calling Lakeview Loan Servicing 's customer support line ( XXXX ) 3 different times on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, & being placed on hold for over 45 minutes each & every time, Agent #  XXXX ( XXXX ) finally admitted that escrow funds had been misapplied between my escrow account & someone else 's account in early XXXX. After the loan company " fixed '' their mistake, somehow my escrow account is now nearly {$2000.00} short. They now need to make up the difference over the course of 12 months by raising my overall mortgage payment to a level that is completely beyond my current budget, as my wife has recently become employed again after a long period of unemployment. Although XXXX clearly admitted on a recorded line that the escrow mistake was made on their ( Lakeview Loan Servicing ) end of things, I am still left with them expecting payments exceeding {$800.00} per month beginning XX/XX/XXXX. If I could fire this mortgage company, I would. Apparently raising my mortgage payment by nearly {$200.00} is the only option available to me, even though the mistake was on their end & I have done nothing wrong. I have been offered no other options or detailed explanation, or even an apology for getting my escrow account so out of sorts to begin with. Unfortunately, my plan of action at this point is to pay my normally budgeted mortgage payment of {$660.00} in XXXX, because it is all that I can do. I am sure that the late fees will start piling up, & if it goes on like that long enough, I will end up losing my house over a " fixed '' mistake that this horrible loan company made with my escrow account. This has ultimately turned my American dream of home ownership into a real nightmare, & if there is any way for other homeowners to avoid this company, PLEASE DO SO!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Waypoint Resource Group, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While checking my credit report I noticed Waypoint Resource Group has a negative remark on my reports stating that I owe a debt that I do not recognize. One entry was for 11 XXXX XXXX XXXX, and from my understanding that is a cable company. I have never used that company for cable service. I have never had cable service. This unverified information has caused a tremendous amount of stress and I plan to hire a credit protection lawyer to look into the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am banking with XXXX XXXX XXXX, this XXXX XXXX merge with XXXX who I did my refinance with back in XXXX. I have never had any issues from my loan due to it came from my checking monthly for the due date. Back in XX/XX/XXXX I had a payment that did not come out due to myself having a family emergency with my father having a XXXX, made my payment on the XXXX of XXXX and did not realize I had left XXXX cent not paid. I never received any info by mail about the XXXX left over. In XXXX I called about why I was seeing a late fee after my payment was made from my checking, no-one could tell me what was going on, asked for a call back from a manger, never heard back. Forward to current I received a call in XX/XX/XXXX advising I was delinquent. I asked how? I also could not understand when my payments have been going down each month. It took me XXXX calls in to speak to a young man who advise me that in XXXX I did not fulfill my obligations to my loan, I then was online going through my transactions and seen it was XXXX cent that was not paid, Rep refuse to remove. I asked for leadership to call received a call later that day with a manager that did not look into anything and had no info and advise me she would look into how the notifications are sent. I advise her I did not receive any notifications at all said she will call. 
me back, yet to hear back from leadership. As of today, XX/XX/XXXX just received a notice that it is delinquent with all the late fee 's but nothing where the late fees came from. This has affected my credit by XXXX XXXX XXXX reporting. This has yet to be resolved. I have never been late with my payments and for this XXXX cent issue to not be resolved and having it affect me is mentally and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions 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:
I have called Experian several times to have the XXXX XXXX ( XXXX XXXX XXXX ) dispute resolved and the dispute commentary removed from my credit report. The Experian employees have continually told me that the account is not in dispute and that there are no dispute comments in the comments section of the XXXX XXXXXXXX XXXX account, but I have printed my report on Experian and XXXX and I am seeing that the account still has dispute commentary in it. I can not obtain my mortgage with any dispute comments on my credit report. Experian and their inaccurate financial reporting with regards to the dispute are preventing me from being a first time homebuyer.

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 2021-02-26
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hello I sent Mr Cooper a {$6000.00} cashier check and a money order for {$940.00} to cover XXXX monthly payment. I spoke with Mr Cooper and I was told to send {$5600.00}, in which I sent {$6900.00}. They claim it was never received at the beginning, which I had tracking on the {$6000.00} showing that it was received. They told me once it was received they will apply funds, but never did. Finally 1-2 weeks later I called Mr. Cooper and they stated they will be sending funds back, because its not enough to cover my mortgage arrears, because I owe {$7600.00} now. This was in the middle of XXXX. I told them I sent them the amount I was told to send to bring my loan current. All they can say is sorry. I received my cashier check back with letter was was dated XXXX and stating I owe the {$7600.00}. On XX/XX/XXXX I receive another letter stating I now owe {$9700.00}, which was only 5 days letter. This amount is unacceptable and inaccurate and they are overcharging me for fees. There has to be a extreme error on my accounts. On XX/XX/XXXX I spoke with someone at Mr Cooper and they are now staying I owe over {$11000.00}. This is ridiculous. I was told in the months of XXXX I was charged {$910.00} and additional {$130000.00} for corporate advances and on XX/XX/XXXX a additional {$4300.00} for corporate advances. Thats over {$6000.00} in the month of XXXX just 2 months. On my mortgage statement for XXXX, it shows clearing how much my reinstatement amount Is, which is {$7900.00} which is accurate with the months Im behind and legal fees from your office..Also I paid XXXX Mortgage, so Im only behind from XXXX XXXX. Mr Cooper needs to adjust my account for overcharging me whatever fees they are charging me. Back in XX/XX/2019. I sent Mr Cooper a {$65000.00} cashier check for a sheriff sale and foreclosure, which I also believe Ive been overcharged for those fees and they need to adjust any errors on my account from those fees. There are several errors on my account, in which they need to fix ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: AmeriCash Holding LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Hello my name is XXXX XXXX my bank account was hacked and there was a place called speedy loans they used my ssc number and i d to take out loan in my name and when u contacted speedy loans they arent willing to return my money and I need your help in fighting it it was not me I was hacked but they said it does not matter due to it being in XXXX and it was online and I cant prove it they said and the amount was a large size

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions

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 2022-12-30
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Fay Servicing , LLC. who is my Mortgage Company. Due to the current state of the Covid-19 virus, and since I'm in XX/XX/XXXX in XXXX Pa and all non-life Essential business are closed, I asked that they please defer my mortgage account for a few months until things picked up for me. I am current with my payments. They said they couldn't help me. This is absurd. My sister in-law works for a XXXX XXXX and they are deferring customers due to this crisis. I think this is XXXX. that they can't help me out during this crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert regarding a negative account had been added to my credit report. When I called the credit bureaus, they told me the company was XXXX XXXX XXXX for {$550.00}. It shows this was opened in XX/XX/XXXX and reported on my credit XX/XX/XXXX. I told the credit bureaus that I have no knowledge of who these people are and I do not owe them nor have I had an account or any affiliations with them. I also stated that Ive never received any written communication from this company regarding an amount owed to them. I also noticed that they have this account as a charge off on my XXXX report which Ive never had any type of credit card or credit account with them. They also listed this same account on my Equifax and XXXX report under another name called XXXX XXXX XXXX. I spoke with the credit reporting agencies and was told this is the same company and is showing that XXXX XXXX was the original creditor which Ive never heard of, nor have I had any affiliations with them, nor have I receive any correspondence from them. First off if I owed this company, why wasnt I sent written notification? Secondly, seems like they are trying to ruin my credit by putting 2 different bogus accounts on my credit for the same bogus account. My next step is to send this to the FTC and attorney general because I dont see how they are allowed to do this. I take this matter very seriously as Ive already been a victim of identity theft once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 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 explanation