BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-08
Company: GREAT LAKES
State: VA
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 and XXXX has failed to prove its client the US Department of Education case. On XX/XX/XXXX, I reported a " well known '' Conduit for Identity theft and Fraud to the OIG of the US Department of Education. This website was www.pin.ed.gov. This Website allowed essential anyone with anybodies SSN, Date of Birth, and address to obtain a PIN ( Personal Identification Number ) This website not only failed to authenticate or verify by 2 part authentication the person behind a keyboard and monitor. It further was identified by the US Department of Education as a " Well Known '' Conduit since XXXX, according to the redacted report sent to my Virginia XXXX District Congressman. After my Letter to the OIG, explaining that this very Website caused me to become victimized of identity theft and a XXXX Federal Student Loan created illegally and without my knowledge or any signature. It was shut down on XX/XX/XXXX. XXXX and XXXX has been advised numerous times regarding this matter. In fact they have failed to produce any validity to this collection harrassment. They will deny they are required by law to prove that you applied for and signed for and actually receive money, which I did NOT receive a penny of money from the Department of Education or anyone else. This is identity theft and Fraud and needs to be removed from my credit file. In fact the redacted report sent to Congress confirmed that over 874 million in fraudulent loans was created by this very website in XXXX, so I'm not the ONLY Victim here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was given a payday loan for XXXX $ they initially said I could have XXXX $ but I had to refinance on the speedy cash app for the additional XXXX $? which at first there was no way in app to refinance but later it appeared. 

After that I was charged a cab fee for XXXX $ which was paid by XX/XX/2018 total amount due XXXX $ subtracted XXXX $ which was XXXX $ and XXXX $ fee was due by XX/XX/2018 on XXXX XXXX. 

So, I called them a few days later today because there was another cab fee for XXXX $ added to the total amount due XXXX $ wich is two weeks early! I told the customer service on the phone to reduce the total XXXX $ to XXXX $ so I can pay it when I get paid. 

She wouldnt listen and did not agree to take off the fee! And then I said you are ripping me off and that I was filing a complaint. 
And I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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: Problem with personal statement of dispute

Complaint:
My original loan from XXXX XXXX XXXX loan XXXX is XXXX and I had paid the prepaid finance charge it was on XX/XX/XXXX. On a bill dated XX/XX/XXXX it has the original principal as XXXX and only 5 % of my payment going to the principle but The prepaid finance charge was already paid up until XXXX when my original repayment should have begun. They tricked me into paying as soon as I got a loan saying It was the option I selected. I stated i verbally asked for deferred and they said I signed the loan documents, not those ones I didnt. I paid on loan ending in XXXX up until XXXX, giving them over {$5000.00} in 5 years of payments. This more than covered the original loan and since it didnt take me 20 years to pay back my finance charge would be considerable less but they say no refunds on that, but thats 95 % of my monthly payment and there is no penalty for paying off a loan early considering I did it before I was out of school and any interest should have been occurring. The other two loans I was explained where two separate accounts of XXXX, one for the principal and one for interest. I didnt have three separate loans from them. So a account number ending in XXXX is loan XXXX broken up not 3 independent loans, now my dad didnt know I was paying on this loan while in school and was told I didnt pay anything and he gave them XXXX, XXXX and XXXX as he paid as requested in the settlement opportunity. So my account is closed that means the negative balance of XXXX totaling {$14000.00} is owed to bring loan XXXX to a XXXX balance, and status needs to reflect paid in full and paid off early for loan payment XXXX and that account covers the sub accounts and they should have never been added as separate accounts as my payments paid the loan off.

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 2019-03-05
Company: Experian Information Solutions Inc.
State: HI
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 clicked on free credit score which eventually asked for {$1.00} to activate thus process. No where else did it say I would have a monthly charge from then on/ and monthly once getting that report, and why would I need them after getting that score? My bank statement showed in XXXX a dollar charge, and following that each month for {$39.00}, which was never stated anywhere I would be billed. I'm not one that looks at my bank statement, and live on a very limited income, but when my XXXX/ XXXX bank statement show I had innsifficient funds, charged a {$30.00} fee, cause I was still unaware Im being charged for somerhing I'm unaware of. I don't even know who this is, being not even familiar sounding like the credit score site. 
This is the only info. On my statement I have : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-08
Company: Experian Information Solutions Inc.
State: WA
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 have contacted XXXX 3 times within the last year to try and correct my credit report. Each delivery attempt was verified with return receipts via USPS to them. XXXX  is willfully and recklessly reporting false information. The most recent attempt was received by XXXX in XX/XX/XXXX and they did not respond at all. I have also contacted Experian and XXXX  multiple times within the last year. I have provided valid and accurate information along with a copy of my credit report showing the discrepancies side by side during previous attempts. Please help with correcting the following issues : *Previous address- XXXX XXXX XXXX XXXX XXXX, WA. I have never resided at that address. Delete immediately *XXXX  XXXX XXXX XXXX and Experian report late payment in XXXX. XXXX reports ok but a late payment in XXXX. Payment was not late. Please report as ok. 
*XXXX/XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, Experian reports XX/XX/XXXX, and XXXX  reports XX/XX/XXXX. Account does not have required notice of dispute. Account is lacking contact information. Delete this account immediately. 
XXXX  XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, Experian has removed this account, XXXX   reports XX/XX/XXXX. Account does not have required notice of dispute. The account has been sold without reporting as such. Account still shows a balance and monthly payment. Delete this account immediately. 
XXXX XXXX XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, Experian reports XX/XX/XXXXXXXX XXXX  reports XX/XX/XXXX. Delete this account immediately. 
XXXX XXXX XXXX Date last active is inaccurate. XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX. Delete this account immediately. 

*Inquiries THE FOLLOWING DO NOT SERVE A PERMISSIBLE PURPOSE -XXXX did not extend a firm line of credit. Also no account was established. Please remove immediately. 
-XXXX did not extend a form line of credit. Also no account was established. Please remove immediately.

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 2019-06-08
Company: EQUIFAX, INC.
State: WA
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 have contacted XXXX 3 times within the last year to try and correct my credit report. Each delivery attempt was verified with return receipts via USPS to them. XXXX is willfully and recklessly reporting false information. The most recent attempt was received by XXXX in XX/XX/XXXX and they did not respond at all. I have also contacted XXXX and Equifax multiple times within the last year. I have provided valid and accurate information along with a copy of my credit report showing the discrepancies side by side during previous attempts. Please help with correcting the following issues : *Previous address- XXXX XXXX XXXX XXXX XXXX, WA. I have never resided at that address. Delete immediately *XXXX  XXXX XXXX XXXX  and XXXX report late payment in XXXX. Equifax reports ok but a late payment in XXXX. Payment was not late. Please report as ok. 
*XXXX/XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. Account does not have required notice of dispute. Account is lacking contact information. Delete this account immediately. 
*XXXX  XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, XXXX  has removed this account, Equifax reports XX/XX/XXXX. Account does not have required notice of dispute. The account has been sold without reporting as such. Account still shows a balance and monthly payment. Delete this account immediately. 
XXXX XXXX XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXX. Delete this account immediately. 
XXXX XXXX XXXX Date last active is inaccurate. XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXX. Delete this account immediately. 

*Inquiries THE FOLLOWING DO NOT SERVE A PERMISSIBLE PURPOSE -XXXX did not extend a firm line of credit. Also no account was established. Please remove immediately. 
-XXXX did not extend a form line of credit. Also no account was established. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: GUARANTEED RATE INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is for a mortgage payment for Guaranteed Rate. 

On XX/XX/XXXX ( Sunday ) I made the payment {$1200.00} for XXXX payment via the online payment portal Guaranteed Rate sent to my email. The loan went through and system sent me an email immediately with the title of " Your one-time Payment to Rate has been initiated ''. 

On XX/XX/XXXX ( Monday ) I received an email with the title of " Your Payment Completion Email from Rate '' with a transaction confirmation number, the account number and the correct amount. 

On XX/XX/XXXX ( Tuesday ) my bank statement shows the transaction has been cleared. 

On XX/XX/XXXX ( Tuesday ) I received a call from Guaranteed Rate customer service ( XXXX ) that they didn't receive the payment. I immediately sent two emails to customer service email XXXX : ( 1 ) payment completion email from XX/XX/XXXX and ( 2 ) proof that the transaction has been cleared from my bank on XX/XX/XXXX. 

On XX/XX/XXXX ( Friday ) I contacted Guaranteed Rate customer service ( XXXX XXXX to check. The customer service employee said she can't find my email. After I insisted her checking for THREE times, she " magically '' found the first email ( payment completion email ), but can NOT find the proof of transaction. I sent the proof again immediately to the customer service email and was advised to call next Tuesday ( XX/XX/XXXX ) since the system has 48 hours business hour delay - this is insane. 

On XX/XX/XXXX ( Monday ) I received a call from Guaranteed Rate Collection Department ( XXXX ) with a message to call back. Then I called back the number and the employee said they need to collect the XXXX payment since they haven't received it. I repeated the whole story with dates and amounts, and asked how to solve this issue because I have done everything right and it is their responsibility to solve the issue, not calling me again and again. The employee answered they have reported this to internal research department, haven't received any update AND there is NO timeline when the research department provides an update. The employee said there is no way they can contact the research department - this is such a broken and customer UNFRIENDLY system. 

By this time, 4 weeks after I made XXXX payment, did nothing wrong and provided all the confirmation to Guaranteed Rate, they still can not locate my transaction and the issue is not resolved. AND my credit score is at risk due to Guaranteed Rate 's mistake. I have already spent more than 5 hours on with this issue. I do have a tight schedule and this is a total waste of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to access my credit report or credit dispute results through Equifax 's webpage. Every time I try, I get a number to call instead. 

When I call their number, they tell me I must do everything over the phone or via mail. When I ask to speak with someone who can help me with my online access problem, I'm told no one in their company can help me. I just have to use the phone. This is completely unacceptable to me, as using the phone requires about 30 minutes of identity verification and requires me to buy another credit report so I can answer security questions. 

They company should be able to explain why I can't access my account online and provide a remedy. They tell me no remedy is possible, which is complete nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has a number of " Credit Alerts '' for Collections that I have tried to open a dispute with the agency over a period of 30 days, but each time I attempt to do so its site claims, " We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. '' And when I try calling direct I'm placed on hold interminably. 
One of the Collections is : XXXX XXXX XXXX {$70.00} And another is : XXXX XXXX XXXX {$580.00} Since I can't open a dispute, I can't even determine what these are for.

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 2021-04-26
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning in XX/XX/XXXX, I sent a letter to Primary Residential Mortgage , Inc. about the elimination of my PMI. In turn, they sent to me a packet with the necessary forms that needed to be completed and submitted. XX/XX/XXXX, I contacted PRMI regarding the status, they explain that although I sent the forms via their email customer service account, they did not receive them. I resubmitted the forms immediately. XX/XX/XXXX, they said that it was turned over to the proper department, but that I would need to pay {$230.00} to complete the valuation, etc. which I did over the phone. XX/XX/XXXX while checking on the status, I was told that to hold while the agent investigated the situation, then was told that the case was closed by a representative accidentally. She explained that although they had record of my payment, I would need to resubmit a form validating the money. AFter several minutes of discussion, they explained that would now not be necessary. It has been almost three weeks and the situation is to suspended. The request to eliminate the PMI is being intentionally held by PRMI. 

Additionally, I have requested refinance information since XXXX and they have not responded to my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Caneel Capital, LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My present mortgage home loan company is XXXX XXXX, ( XXXX XXXX ) In XX/XX/XXXX I was going through a financial hardship and my house was in foreclosure, and XXXX XXXX was informed and there was a court case filed in XX/XX/XXXX XXXX  -- --, I was getting help from NACA Id XXXX -- to save my house, Everything was Buddle into one and a afordable modification by XXXX XXXX XXXX was made in XX/XX/XXXX, and was paid up to XX/XX/XXXX and is on forbearance with XXXX XXXX, due too me loseing my job due to covid 19, When Trinity financial services contacted me for the sum of {$10000.00} they were informed by me that everything was taken care in XX/XX/XXXX. 
I get a Summons from superior court of XXXX, and got 35 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I pulled all of my money out of my brokerage account and then I was about to close my checking account when Citibank charged me a " monthly {$25.00} service fee '' which I had never paid before. They then summarily closed my account without my permission.

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 2020-05-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX and XXXX has not removed IQ Data Financial from my credit report. XXXX has deleted the file completely. IQ Data financial is being abusive and continually calling my phone and job, saying they were going to make my life miserable and they were going to sue me. I have show XXXX I never lived there my son did. He has contacted them also to let them know the apartment was unsafe for him and his son. I just want this case closed on my credit report. I am being harrassed constantly by IQ Data Financial. I have submitted to XXXX and XXXX to have this removed from my credit report. My son is also following the same procedures to have this removed. I have proven time and again I have never lived there.

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 2021-04-26
Company: Continental Finance Company, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called customer care because I noticed an incorrect minimum payment due of {$63.00} but my minimum is always $ XXXX/month and I've never been late for my XXXX  credit card. I spoke with XXXX ( ID : XXXX ) and explained that i was in the hospital and as soon as i was released i submitted payment but I also let her know I had called in and told them about the surgery. My account was assesses a {$28.00} late fee which is incorrect. XXXX was able to reverse the late fee but was unaware of how to ensure there is no late reporting to my credit report nor was able to reverse the minimum payment of {$63.00}. She said she could not guarantee the balance would be corrected nor would she able to ensure I would not be charged a new late fee because I refuse to pay the extra {$23.00} after I made a payment of {$40.00} already.

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 2019-06-07
Company: EdFinancial Services
State: TX
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:
Its stated that my balance has increased over {$1000.00} which affected my credit negatively. But I pay consistently on time. And I am not in bad standing.My credit score went down 31 points!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hello there I am XXXX XXXX. On XXXX XXXX 2020 someone withdrew {$740.00} from my EDD account with Bank of America and now they dont want to return this money I have try for many different ways but they just dont want to give me my money back. 
That happened on XXXX XXXX Ca they told me that it happened about XXXX XXXX  I really need your help with this matter.

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