BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-18
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Depot is acting with gross negligence regarding a financial matter. At issue is a modification request that submitted on XX/XX/XXXX. On XX/XX/XXXX we contacted Loan Depot for a status update only to be told they had too many calls and would be calling back later that day. They never called that day, the next day, nor the following day. We called again on XX/XX/XXXX and were told again they were only doing call backs as they had too many people calling them. Again they never called. Then we called again on XX/XX/XXXX and were again told they had too many calls. When we complained that they told us that all week and nobody called back the only response was they were telling people what upper management told them to say. 

It's painfully obvious Loan Depot either has more loans than they can service or doesn't want to service the loans. Just like XXXX XXXX who got too big too fast so Loan Depot seems to have followed suit. Being told all week they have too many calls is unacceptable. The fact that they never called back is gross negligence and they should be sued for it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXXXXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXXXXXX XXXX XXXX # XXXX ... I don't ever recall paying any of these accounts late/after the due date. 
On XX/XX/XXXX, I complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of TransUnion with regards to these accounts. I provided them proof of the inaccurate credit reporting. In their response to this complaint, TransUnion stated that they would reinvestigate and respond to me within 30 days. They did not reinvestigate or respond back to me within the 30 day time frame according to the FCRA. Attached you will find copies of their response to the CFPB complaint. In addition, TransUnion did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. 

On XX/XX/XXXX, I once again wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX XXXX listings. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. 

A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, Illinois Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.

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 2019-10-24
Company: Experian Information Solutions 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:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

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 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On my report via XXXX XXXX XXXX whereas I'm an authorized user the remarks says consumer disputes, reinvestigation in process, please remove remark, I did not dispute this account, XXXX XXXX XXXX, open XX/XX/2001, balance XXXX. Please remove remark.

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 2019-05-14
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 disputed the accounts XXXX, XXXX and TransUnion are reporting that are not mine and have requested they validate my accounts per Sections 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 616, and Section 617 of the Fair Credit Reporting Act. Per the first letter I sent to the 3 credit bureaus, XXXX adhered to federal laws and guidelines and deleted the account that is not mine but XXXX  and TransUnion continued to claim they have verified the accounts although I requested for validation, not verification. I disputed the account 6 times and even contacted the creditors who haven't responded back to me but XXXX and TransUnion refuses to abide by the Fair Credit Reporting Act. This is my last resort and am hoping that the CFBP  uphold the laws and request they provide me with my signature that is allegedly on the original contract to this account or delete it, or I am going to file a lawsuit against them which I will do if they do not delete the account that does not belong to me. I have kept a perfect record of all of the disputes I sent out - certified mail receipts, notarized documentation, etc. This one account is extremely damaging to my credit and has been causing me to not be able to move into a home because they refuse to validate or remove it. Please help me hold them to the standards of the Fair Credit Reporting Act and delete the account that is not my account.

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 2021-12-01
Company: SELFi, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On Wednesday, XX/XX/2021, I was informed by my mortgage lender that my credit may have been pulled without my permission. I checked my credit report and saw that XXXX XXXX was the company that ran the report. At XXXX, I called XXXX XXXX and informed them that I did not request a credit check. I was informed that XXXX XXXX of SELFi mortgage was the person who requested the credit check. His phone number is ( XXXX ) XXXX.

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 2022-02-02
Company: USCB, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation request via USCB website on XX/XX/XXXX requesting information to validate debt for accounts listed by USBC representative as : Act # XXXX {$15.00}, Act # XXXX {$890.00}, Act # XXXX {$510.00}, Act # XXXX {$0.00}, Act # XXXX {$10.00}, Act # XXXX {$34.00}, Act # XXXX {$25.00} and Act # XXXX {$40.00}. In return, they sent a letter back on XX/XX/XXXX that did not contain the information to prove the debt was mine. The letter contained only account # s, amount due and creditor name. A certified debt validation letter was sent on XX/XX/XXXX requesting validation of debt information. I received only 3 letters for three out of eight accounts which are listed as follows : Act # XXXX {$890.00}, Act # XXXX {$25.00} and Act # XXXX {$34.00}. In these letters, it contained my private medical records/information that is a direct violation of XXXX privacy regulations. I never signed a XXXX form authorizing them to have access to this information. In addition, the remaining accounts were not validated after two attempts to ensure this was indeed my debt. Please delete this information from my credit file and cease all collections activities for the noted accounts above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Diversified Consultants, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
COLLECTOR KEPT CALLING MY CELL NO. ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX AND CALLING TO COLLECT XXXX XXXX XXXX DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 at XXXX XXXX received a call from XXXX - XXXX XXXX XXXX on my cell number XXXX asking for my ex-husband ( I've been divorced 7 years. ) I mistakenly said that's my ex-husband and I have not talked to him in years ... I do not have a number or way to get in touch with him. They then said ... you are on this credit card. I knew that was a lie as I had never signed anything joint with him at all .... They said it was around {$15000.00} and they'd settle my portion for {$2300.00} if I would settle that day. I refused. I said I wasn't responsible for that. They threatened to freeze my bank account and garnish wages. I said " before you can do anything ... send me in writing anything that I signed or shows that I am responsible for this debt. '' They asked me to give my home address. I told them I'd give my work address as I was not giving them my personal info. He said " Oh we'll find you. '' I have not heard from them since I told them I was recording the call. ( I wasn't. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Bank : TD Credit card : TD CASH, VISA My interest Rate is at 25.24 % and I've been paying my bill on time for the past 6 months. I called in and was unable to get it lowered. Judging by my credit cart payments my creditworthiness should not fit into that third bracket of 25.24 % When I called customer support at XXXX XXXX XXXX XXXX. I was told that rate is based off of my creditworthiness, but my creditworthiness is good based off of my payments. They never told me what the Prime Rates for the card is so I was left with little help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, My husband and I applied for refinancing for two investment properties with Aimloan.com. After two months of supplying numerous documents multiple times, we finally signed the closing documents. The day after closing we were advised by Aimloan that they did a soft credit check on us and found out that we had applied for SBA disaster loan assistance henceforth they will not be funding the loan. 

I believe Aim loan is in violation of the Equal Credit Opportunity Act. I have tried to speak with several top officials at Aimloan including XXXX XXXX XXXX Of Operation ( XXXX ) with no resolution. I have attached loan cancelation letters that I received from Aimloan below. 

Please email me at XXXX if you have any questions. My phone # is XXXX XXXX XXXX I am easily accessible by phone or email

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have purchased a home and Wells Fargo is the financial institution servicing the loan. I pay roughly an extra {$500.00} to be specifically placed in my escrow account. In XXXX of this year my home insurance was renewed by the lender and they sent me a refund check for the rest of the money in the escrow account. I called and I spoke to someone letting them know that the refund was a mistake since the property tax and the mud tax were not paid and the escrow balance is now XXXX. The person assured me that they had the money in the account once again I reemphasized I did not think that is correct. The bank subsequently went ahead and paid the mud and property taxes now the escrow is negative almost $ XXXX, I called and I was told they advanced me the money which I clearly did not need hence why I paid extra into the escrow account. I was further informed that their intention is to add the total cost of the taxes divided by 12 to my note beginning XXXX. I find this practice to be dishonest and unethical it is a sly and cunning attempt to force me to use the institution funds in order for them to charge me some ridiculous amount of interest so they can maximize their profit. I went into a branch to speak to a branch manager, I was told she was busy and could not see me I could not speak to a mortgage specialist they said there was not one onsite. I spoke to an investment banker who could not help me to resolve the issue and prevent it from reoccurring. I tried escalating with Wells Fargo but everyone I spoke to is just trying to push me around saying they have limited access and they can not see the account, they do not know why it happened just everyone acting clueless when I am sure to cut the refund check there had to be multiple layers of approval before the refund check could be issued, no one had the common sense to say wait a minute it is XXXX why are we refunding this money taxes have not been paid yet.

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 2019-01-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr. Cooper is illegally trying to inflate the value of my home. At issue is a short sale request that was submitted on XX/XX/19. At the time there was a value dispute from a previous offer that had to be completed before they would review the new offer, which in itself is flawed. However the issue is that Mr.Cooper is supposed to order a new value due to the new offer and the fact that the previous value was completed in XX/XX/XXXX. Lender ordered values are only good for 3 months yet Mr. Cooper is illegally trying to inflate the value by stating their XX/XX/XXXX value is still good. Mr. Cooper very well knows property values have been falling in CA for the past 3 months. They are illegally trying to inflate the value by refusing to do what is legally required and order a new value. This is unacceptable and Mr. Cooper needs stronger oversight. It's a wonder how many other people are being illegally foreclosed on due to Mr. Cooper refusing to update values in falling markets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have an American Express Serve Card. Theres an unauthorized charge on account from XXXX for {$68.00} and {$1.00}. 
I have never heard of them and I attempted to locate them without success on the Internet. The Company was notified of the dispute and given a fraud affidavit on XX/XX/2019 and refuses to give me a provisional credit pending their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
Company: Convergent Resources, 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 of 2020 I switched from metro PCs cellular phone service, to XXXX XXXX. 

I was unhappy with the coverage/service and was not getting the promised speeds/coverage. 

On the XXXX of XXXX I called to cancel my service and ported each of my numbers over to XXXX XXXX. The representative I spoke to on that day informed me that my account will be closed and I will not receive another bill. Everything as far as XXXX is concerned, was done. Or so I thought. 

My credit card got automatically billed by XXXX on the XXXX of XXXX. I called that day and they told me Id have to wait 30 days! 

I waited 30 days and nothing changed. No one gave me my money back and I had to get a new card to they would stop charging me. Mind you there are no active lines or numbers at this point 4 weeks later. So Im not sure why or how they are billing me. 

Now on the XXXX of XXXX I received a debt collection notice from a different company other then XXXX. They just sent me to collections for a month that I never had service! 

Im so frustrated, especially with the times, I dont have a lot of money and every dollar is important to me. No one from XXXX has been able to help me, not even close. And now my credit is in jeopardy. The one thing keeping me alive. 

Please help me, 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 2019-07-11
Company: National Credit Systems,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: Account status incorrect

Complaint:
Over the course of the last 3 months, I have regularly called national credit systems in order to work with them on an account they have open in my name that is of questionable legal standing. There is current litigation pending against their client, and in spite of this, they still threatened to report the account as delinquent. Although i asked numerous times to get information about the credit reporting date and proposed settlements in writing, I was told by both agents and supervisors this is against their policy and they would move forward with reporting the account as delinquent whether or not the the dispute had been resolved. This seems like nothing more than harassment, especially since I told the agent multiple times that although I do not feel like the balance is legally owed, I would set up a payment plan to prevent reporting. I called on Monday, XXXX to set up a payment plan, and the associate was quite rude, and informed me that I was too late, it had already been reported, and there was nothing they could do. Called back on Tuesday and spoke with a supervisor who confirmed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CBC Companies, Inc.
State: MN
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:
The following information listed on my Innovis Consumer Report # XXXX is fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX : XXXX. I never had an account with XXXX  or XXXX XXXX XXXX. Both accounts are fraudulent. The Credit Inquiries and Requests Orhers Can See : XXXX XXXX XXXX-CR, XX/XX/2019, is a fraudulent and unauthorized credit inquiry. The Credit Inquiries and Requests Only You Can See : XXXX XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XXXX XXXX  XXXX, XX/XX/2019 and XX/XX/2019, are both fraudulent and unauthorized credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: FREEDOM FINANCIAL NETWORK
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I enrolled in a Debt Relief program with Freedom Debt Relief [ FDR ] in XX/XX/XXXXXX/XX/XXXX. I was told that it was better because they could better negotiate with creditors and often make deals with them. They, also, told me that it would help salvage my credit score that would normally take a great hit. This was important because I am in the XX/XX/XXXX and I can lose my job based on credit score. I made this clear to FDR. I agreed to pay $ XXXX month [ their estimate to settle the debts ]. They settled one of the debts in XX/XX/XXXX when I had accumulated {$3000.00} in my account. Having settled the account terms, FDR took {$2700.00} in fees upfront. They applied $ XXXX/mth to the settled account and take $ XXXX/month in fees. Having exhausted all the funds and applied the total amount toward the one account, there is no money to settle the other accounts. Now, I am told that I must pay more money in order for them to proceed with negotiations on the other accounts. In the meantime, my credit score has dropped from XXXX  to XXXX. It will continue to drop unless settlements are made. I discovered that one of the unsettled accounts, XXXX, DO NOT work with debt relief companies. I was not informed of this when I signed the agreement. Either FDR was not aware or they chose to withhold this information. I have difficulty believing that FDR was unaware that XXXX does not negotiate with debt relief companies as they told me they did large buyouts with them. I am, now, on my own to salvage my credit score and my job.

Company response to consumer: Closed with explanation