BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Purchased my home in XX/XX/XXXX. It was a new build although there was plenty of homes in the surrounding areas. First year my payments were {$1900.00} up to second year XXXX I was offered to refinance which dropped my percentage from 4.25 % to 3.0 %. The first year I also received a check of {$5000.00} due to escrow refund. The purpose was to lower my payment and the loan was for the same term. My new monthly balance became {$1300.00} ( XXXX ) which I had worked my other bills around and helped because of covid pandemic. At the beginning of XXXX I also applied for the XXXX exemption. Up to XXXX of this year my payments were {$1300.00} and then I received my escrow balance and it showed negative - {$7000.00} and my payments have gone up to {$2300.00}!. After seeing the {$1000.00} difference I called them. So their first response is because taxes had gone up which I only say a few XXXX dollars. I'm not sure how they could have miscalculated that much and after reviewing they did think it was strange and after 30min on the phone being transferred the call dropped. I decided to call again at a later time and they informed me that someone would send me my escrow analysis. Unfortunately due to covid, the winter storm here in Texas, and a vehicle accident I haven't recovered financially and when I was ready to my payments have increased. I have also gone under forbearance due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account wi th Citibank for a {$500.00} promotion. I had to open a checking and savings account and put {$50000.00} in within 30 days. I also had to switch to paperless statements. I followed all the directions on point. They decided to close my checking account without prior knowledge nullifying my credit to the {$500.00} even though {$50000.00} is still in the savings. This was deliberate in an attempt to deny me the prom otion.

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 2022-08-26
Company: CITIBANK, N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I paid off a loan for XXXX through Citi - customer service says XXXX but that site is not valid. When I call XXXX, it says my account is closed ( because I have paid it off ) ; however, a monthly recurring, automated bill pay for the amount of {$220.00} is still paid to this closed account. I have twice called my bank to try to stop the payments but they do not have a record of this. I'm confused, as this bank has my only checking accounts. XXXX will not give me the last four digits of the account from which the funds are drawn, but I gave them the last four digits of all known accounts but they do not match up. So I have to repeatedly request refunds from XXXX. I don't want them earning interest on my money that is not rightfully theirs. How do I rectify this very frustrating situation?

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 2018-10-13
Company: AES/PHEAA
State: VA
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:
In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX  XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XX/XX/XXXX showing the loan balance as XXXX  but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with XXXX  but they did nothing but remark my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I sent Transunion a handwritten letter dated XX/XX/22 stating their roles as a consumer reporting agency as well as a Financial Institution. They have a continuing obligation to protect, secure, and respect the privacy of consumers. I demanded 9 accounts to be removed from my report because they are resulted in identity theft and Transunion refuse to oblige. The unauthorized access of my consumer reports is causing substantial harm and inconvenience for me to extend credit and obtain things needed for my household purposes.

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 2020-01-31
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FINANCE SYSTEMS OF TOLEDO IS TRYING TO COLLEXT XXXX FOR A DEBT THAT I ALLEGEDLY OWE TO THE LIBRARY. FINANCE SYSTEMS LIED DURING THE FIRST COMPLAINT AND STATED THEY SPOKE WITH A LIBRARY ADMINISTRATOR. THERE IS NO LIBRARY ADMINISTRATOR AND THEY NEVER CALLED. I SPOKE WITH THE LIBRARY MANAGER NAMED XXXX WHO CONFIMED THAT THE BOOKS WERE TURNED IN AND THAT FINANCE SYSTEMS NEVER CALLED TO CONFIRM

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian charged my husband 's card without his permission twice for services that he did not ask for. He simply used his card to check his credit report and they continued to charge him for other services. When we called Experian, they denied that they had charged us so I had to call my bank several times to dispute the charges. Two weeks later, we noticed they were doing the same thing to my card. The charges were disputed. All of the money was returned, however, I have read so many complaints online about this same situation. This needs to stop. This isn't right.

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 2022-08-26
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received a debt collection letter sent from creditor collection services XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, stating that I owe {$59.00}, which I had no idea how this debt was mine. letter reference XXXX XXXX I assume this is the amount that XXXX insurance says I owe. 
If its a debt i owe from my insurance premium, at least the collection needs to be sent to the right address. My policy address isnt the letter receival address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: EQUIFAX, INC.
State: GA
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-XX/XX/XXXX -fraudulent XXXX XXXX XXXX-XX/XX/XXXX-fraudulent XXXX XXXX-XX/XX/XXXX-fraudulent XXXX XXXX XXXX-XX/XX/XXXX-wrong in formation never late account in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Granite Edvance Corporation
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
From XXXX I have struggled and struggled with this company. Used to be granite state- they constantly were telling me on the phone to put loan into forbearance and said interest wouldnt matter. I listened and did as directed. That interest sure crept up after every forbearance ended and another one started. I struggled making payments. customer service was only about forbearance. I had to consolidate since granite wasnt going to be a company much longer from word of mouth. Now I have huge monthly payment, cant afford it. Would of saved me thousands if granite wouldnt of kept pressing forbearance. Than I was told by XXXX  via phone call my loan is considered into the XXXX settlement. Called them months later and they acted like they new nothing. They had me call Ohio attorney general who than redirected me to another company. Im struggling mother here and I feel so betrayed and taken full advantage off by granite state loans. Interest sky high, to forbearance periods to income driven repayments to late payments. No one at that place were on the same page.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I started trying to repair credit XX/XX/XXXX. I have sent all hard inquires in that were not legally obtained. I also had old debt that I was fighting anything on my reports since it was already at that point processed as bad debt to the original creditor. 
I than again sent certified mail to all beauros XX/XX/XXXX a year later for all the same hard inquiries and debts that were still remaining on my account with no legal update after give way more then the 30 days that they have legal rights to update. For both my husband and I. I never received an updated credit report fixing any issue for either of us from any of the 3 credit beauros. I continuously try to reach out via phone and again sent certified mail XX/XX/XXXX. I have reporting s from accounts that are inaccurate that I never signed for from XXXX that are still on my report and now 5 years later are remaining and not even the collector has the original signed documentation of proof. I keep going back over and over trying to have all these hard inquiries removed as well as the debts that are no longer just and no one is even attempting to correct or sent proof of an attemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
my Paypal account email address is XXXX PayPal limited my access to my account and refused to allow me to withdraw my balance, and after contacting their poor customer service several times for over a year, they asked me to provide a copy of my id card and the current credit card statement of my credit card. As soon as I provided them with the information they requested, they sent me an email informing me that I can no longer use Paypal, After a review, we decided to permanently limit your account as we found potential risk associated with it.

I am not sure if they are making a mistake or what their reasoning for limiting my account and holding my money hostage for over 180 days. I have not done any illegitimate transaction and did not do anything other than selling used items on ebay and shipping them using paypal.

Paypal is hurting thousands of consumers using this same technique to profit from our money and generate profit. please help me access my money. 

the following is the content of the email they sent me : " You can no longer use PayPal. ( Ref ID - XXXX ) After a review, we decided to permanently limit your account as we found potential risk associated with it. 
As a result, we can no longer offer PayPal services to you.

Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money.

If you have funds in your PayPal balance, it will be held for up to 180 days. After that, well email you with information on how to access your funds.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the charged off account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16
Company: Army and Air Force Exchange Service
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has been attempting to collect a debt from me for 2 credit card accounts I acquired while in the XXXX. In XXXX I was XXXX due to injuries I sustained during my time there. At that time these accounts were closed with balances of {$1100.00} for account # XXXX XXXX XXXX XXXX and {$930.00} for account # XXXX XXXX XXXX XXXX. In XXXX my entire tax refund was offset to pay the balances of the 2 credit cards accounts, as well as part of a student loan. Shortly after that a representative from XXXX XXXX XXXX contacted me regarding a debt they said I owed which at that time they said was {$2100.00}. I requested documentation proving the amount owed because my tax returns had been fully garnished paying a total of {$3200.00} towards the XXXX XXXX. One on XX/XX/XXXX for {$1800.00} and the other on XX/XX/XXXX for {$1400.00}. I then received documentation from them for a XXXX XXXX whom I had absolutely no knowledge of. After discussing this at length with them they said they were submitting it to the fraud department, however, I then started receiving invoices for 2 credit card accounts with different account numbers and balances stating I owed over {$4000.00}. I contacted them again and tried to explain that the debt was not mine, they advised me that it was being investigated by fraud and that it was going to take time. After researching and acquiring more information I showed them proof that the 2 amounts I owed at the time my taxes were offset was the amount they are showing I owe subtracting the interest they have been charging me for the past 2 years. 

I have provided them with proof that this debt has be paid, however, while in dispute it's been crushing my credit and they still have a lien against my tax refund so I have not been able to file my taxes for 2 years. Every time I called them they would say it's being investigated and it will take time. Now that I sent the letter and proof the debt has been paid in full they say they are waiting for a response from Army & Air Force Exchange Service and it will take time, but I need to get this taken care of so I can move on.

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 2020-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Was Sent Numerous Pre Qualified and or pre approved offers and was not approved for any of the cards I should have gotten based on the credit card offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are several inquires that just hit my credit file and I did not apply for any of these XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP

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 2022-08-26
Company: Academy Mortgage Corporation
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was informed that I owed on a mortgage on my property in XXXX XXXX, MD in XX/XX/XXXX. I immediately filled paperwork for a mediation as well as spoke with various attorneys to figure out what was going on. In XX/XX/XXXX my house caught fire and burned to the ground and is a total loss. Everyone was notified of the complete loss. Academy Mortgage continued to insure for a dwelling in XXXX, XXXX and currently in XXXX when no dwelling exists on this property due to the catastrophic fire. The insurance company paid Academy XXXX in three payments in XXXX of XXXX, which are still as of XX/XX/XXXX in a restricted escrow account. Academy continues to move forward with a foreclosure on this property even after agreeing to enter into settlement negotiations as it was proven that I did not actually have a mortgage on this property, and that it was taken out by my ex husband and his girlfriend to obtain permanent custody of my son which didn't happen. On XX/XX/XXXX I requested a payoff letter on instructions from my Corporate Attorney as we have a buyer who is interested in purchasing the property. I called the following number XXXX and followed the prompts for a payoff letter. I then was routed to a customer service XXXX XXXX XXXX XXXX XXXX who instructed me that she could not send a payoff letter as she couldn't speak to me about this account which is in direct violation of Federal Law as they believe the account to belong solely to myself as evidenced on all correspondence sent to me by their organization. Therefore I am submitting this complaint so that someone can help to sort this out and get this Mortgage company to either payoff this supposed outstanding loan or send me my XXXX that I am owed from the proceeds of the insurance payoff from the fire they are holding in my name in escrow.

Company response to consumer: Closed with explanation