BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
unauthorized inquiry were made on my credit report on XX/XX/2019 without my signature and consent

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I was writing a person check and upon cashing it they told me that I could not get funds and pluse they they keep my deposit from my job I was getting ever two weeks. Not only they did that they close out all my account out.

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 2021-04-08
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Il XXXX Mortgage is with Loan Depot : www.loandepot.loanadminnistraton.com Problem started XX/XX/XXXX -Home insurance paid to XXXX XXXX XXXX XXXX Loan Depot paid them {$1600.00}. I canceled XXXX XXXX XX/XX/XXXX. 
XX/XX/XXXX. XXXX XXXX refunded to me {$1600.00}. I repaid-sent check of {$1600.00} to Loan Depot. XX/XX/XXXX is the date of new coverage by XXXX Loan Depot did not acknowledge XXXX XXXX cancellation and my immediate coverage with XXXX.I paid XXXX with my own check. The new policy cost was $ XXXX XX/XX/XXXX. Therefore the refunded XXXX XXXX {$1600.00} remained in my escrow account at Loan Depot. 
XXXX as per company rules notified Loan Depot of the new coverage of home insurance. XXXX I never had a lapsed in legal Home Insurance paid in full. 
XX/XX/XXXX I noticed that the {$1600.00} in my Loan Depot account had been moved to status of Misc. XXXX it was gone. Immediately i asked Loan Depot for explanation. 
I faxed and mailed Loan Depot copy of XXXX Declaration page twice in XXXX, XXXX. 
Copy of correspondence requesting a refund or the {$1600.00} to be returned to my dated XX/XX/XXXX. 
They have refused to correct their error. 
! XX/XX/XXXX Loan Depot requested proof of insurance. XXXX agent assured me that they contacted the escrow insurance department of Loan Depot to verify coverage. 
Loan Depot did not respond. XXXX again notified Loan Depot that I was covered since XX/XX/XXXX. Loan Depot sent me letter on XX/XX/XXXX Finally admitting receipt of proof of coverage from XXXX.But stating they had bought insurance for me. No name or policy company ever sent to me of their coverage. 
To date they have not returned the {$1600.00} to me or my escrow account. XX/XX/XXXX. 
Mailed, and faxed. my XXXX declaration page re-verify my coverage XXXX XXXX. Have extreme difficulty with computer access with Loan Depot. Many web sites. Changes that delete your account. In XXXX of this year unable to access my account on Line I was told by customer service to re-register my online account. Including entering my social security number. I was already verified and my id, address and loan number verified by the phone agent. 
I request to be made whole- refund of the {$1600.00} and correction of my tax XXXX XXXX. 
My XXXX taxes were XXXX. My XXXX taxes were first payment {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
They have identity on all 3 of my credit report Equifax, XXXX XXXX, XXXX  credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Between XX/XX/22 and XX/XX/22 they have called me a total of 9 times. 3 times on XX/XX/22, 4 times on XX/XX/22 and 2 times on XX/XX/22. On this date of XX/XX/22 they have started calling my children since I finally blocked their number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Comerica
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/20 I received a debit card from a bank unknown to me, Comerica Bank. I immediately contacted the bank requesting to speak with someone in the fraud department. After many hurdles, I finally spoke to XXXX at the bank 's fraud dept who advised the debit card sent to me at my home address was under review and being closed. Addtionally, on Saturday, XX/XX/20 I received a slew of mail from Comerica Bank for two overdrafted accounts ending in XXXX and XXXX. On Monday morning, XX/XX/20, I called the Comerica 's Fraud Dept again and spoke with XXXX regarding the unauthorized opened accounts. I was told the account was opened on-line and that this would negatively impact my credit if I do not submit payment. I requested the on-line application and any other information used to open the accounts with the bank. XXXX said Comerica can not provide that information. I then spoke with XXXX at Comerica 's Quality Control Dept., who said the account was opened on-line on XX/XX/20 and that he is not able to provide any information concerning the accounts to me other than what is owed. Comerica refuses to investigate the online accounts they established. Comerica refuses to provide information to me filed under my name. Comerica insist on filing report to Credit Bureaus if payment is not received. I have never heard of Comerica Bank until now, and did not open these accounts. XXXX  provids credit protection for a monthly fee to me. XXXX  security breach was compromised a few years ago and my private information has been exposed. A freeze on my credit has been and continues in place with all three Bureaus :  XXXX, XXXX, XXXX XXXX. XXXX advised that during the COVID Pandemic, accounts are opened on-line, that the bank can not foresee fraud and accept on-line applications when information is provided ; that a credit check is not required to open accounts on-line. This is extremely dangerous. My excellent credit is now at risk and Comerica staunchly refuses to investigate the validity of the unauthorized, on-line accounts they have fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To whom it may Concern I'm a Victim Of identity theft. These Account that is On my Report. I did not Give any One consent To Open These Accounts. All Accounts are Fraud This is very Stressful I'm a single Mom Trying To do right for my Life now Someone is trying to Destroy my Name and Life Please help me Resolve This 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 2021-01-20
Company: I.C. System, Inc.
State: UT
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:
IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed IC Systems was reporting this debt but this is not mine. I never received any notices, calls, letters or correspondence from them about this debt. This debt has never been verified to me and this violates my 30 day right to dispute.

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 2017-08-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX contacted me on behalf of Navient to help with my Student Loan XXXX XXXX, 2017. I was paying Navient a monthly fee of {$45.00} with a balance of {$38000.00}. I spoke with a guy name XXXX but XXXX XXXX sent me a Contract via email stating that I could pay {$1200.00} in ( 3 ) increments and gave me the breakdown that 's all I had to pay. I just made a payment of {$390.00} on XXXX XXXX, 2017. Now I have been contacted again stating the Representative told me wrong and that I would have to pay more and my monthly payments of {$45.00} would now go up to $ XXXX+ a month. I have called several times to get a different Rep that has no clue what I 'm talking about. When you ask to speak with a Supervisor you ca n't get one and when you ask for their last name they want give it to. So finally I said the next person you speak with will be my Attorney and they said it 's no need to do that so now they are suppose to refund my money that I 've paid via bank draft ; because I 'm sure it did n't go toward my Student Loan payment. The interest rate is unbelievable and it 's Highway Robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a freeze on my Experian consumer report about two years ago. I have tried multiple times over the last two years to get the freeze removed. The online service is abysmal ; twice I have thought I successfully removed the freeze, and twice I have had companies to whom I had applied for credit inform me that the freeze was still in place. The phone automation service does not facilitate removal of a freeze, and I have tried in vain for hours to reach a real person to speak to at Experian but they appear to have thwarted every avenue for actual contact with a real person.

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 2019-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I checked my credit report on XX/XX/2019 and noticed that a fraud alert had been placed on my file without my knowledge nor authorization. I sent a letter via certified mail along with my driver 's license on XX/XX/2019 requesting for the fraud alert to be removed. I received a letter from Equifax dated XX/XX/19 basically stating that they reviewed my current address and added it to my profile. They did not state that the fraud alert had been removed as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

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 2021-01-21
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: Was not notified of investigation status or results

Complaint:
I have been disputing since XX/XX/2020, an unverified account that's been reporting on my credit report. I never got a response back from the bureaus or any notice that they were investigating my request or even trying to validate it! I sent another dispute on XX/XX/2020 and still, yet again, have not received anything from any of the bureaus validating or investigating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received my consumer report consisting of 148 pages of inaccurate information that either belongs to someone else or is completely incorrect. I have made several attempts to request LexisNexis to provide a description of the procedure used to determine the accuracy of every single item / record in my report for accuracy and completeness and they have refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving collection notices for a cable bill from XXXX. I sent a debt verification letter dated XX/XX/XXXX and I received a letter dated XX/XX/XXXX from XXXX listing transaction info, their licensing info from NC and NY. I reside in NJ. No information provided by XXXX that I signed an agreement for XXXX XXXX XXXXhis debt does not belong to me. Furthermore, the information provided by XXXX is from XXXX. I believe there is a statue of limitations and this company is illegally trying to collect on this frivolous debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Monterey Financial Services LLC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  and Monterey financial are reporting to my credit that there is amount owed. There is nothing owed by me to thirst companies and I have written emails from said companies stating it was to be removed months ago and has not. This is needs to be fixed ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2019 KeyBank charged four overdraft charges of {$38.00} posted to our account when our account had a positive balance. The first overdraft charge caused us to go into a negative balance, once our account had a negative balance three charges that we had made posted to the account and we were charged the other three overdraft fees because their first overdraft fee on a positive balance account caused us to go to a negative balance. Attempted to resolve and was given many no 's before only managing to squeeze one waived fee from them. All of this occurred while our online banking showed that we had a positive available balance.

XX/XX/2019 The overdraft fees mentioned above did not show on our account until this morning, a full day after they were supposedly posted to our account. Our online banking showed a positive balance the entire day on XX/XX/XXXX so we used our account. Because of this, the four transactions that we're made on XX/XX/XXXX will also cause us to receive four more overdraft fees even though their system relayed to us that there was no issues with our account and that we had a positive balance. These are unethical and negligent practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14
Company: Lakeside Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX I was first contacted by XXXX XXXX of Lakeside Recovery Solutions by a threatening phone call about collecting a debt. I was threatened with garnished wages and told I had to act fast to avoid being taken to court for this. I requested information to be sent to prove the validity of the debt and was instead sent the original rental purchase agreement and skip tracing. On the same date, I responded via e-mail as well as certified mail formally disputing the debt and requesting the original credit application, financial account of the debt including all payments made and any other fees or charges added to the balance, copies of any correspondence sent and any other documents pertaining to the debt. I had also requested to be contacted only but mail or e-mail. I had not heard back. Over a year later on XX/XX/XXXX my boyfriend and I were left voicemails from a XXXX XXXX of the same agency. In these voicemails to myself and the third party, they left my name, address, gave information stating it was about a breeched contract matter under legal review against my name and social security number, and then left a file number to reference this complaint. He also contacted my mother and actually spoke with her on the matter, giving away personal information. When I spoke to someone from the agency, I had brought up the previous dispute and they claimed to have just bought the account and had no knowledge or history of it- even though it was the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-up to a previous complaint I had filed against Ditech Financial, LLC. 

Ditech has refused to cancel our PMI for multiple months. Per the Homeowner 's Protection Act, Ditech  must automatically terminate our PMI when our LTV reaches 78 %. Our LTV dropped below 78 % LTV prior to our XX/XX/2018 statement. In addition, we requested over phone and email that Ditech terminate our PMI three times in XXXX, XXXX, and XXXX. In our most recent call with Ditech, the Ditech representative tried to push us to pay for their appraisal service before we cited the Homeowner 's Protection Act, at which point they became apologetic. 

Ditech 's previous response to our CFPB claim cited the section in the Homeowner 's Protection Act that allows Ditech to require evidence that our home 's value has not depreciated in value. However, per the " Automatic Termination '' clause in the Homeowner 's Protection Act, if our LTV drops below 78 %, Ditech can not require this evidence before terminating our PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX, for committing identity theft. I have never given XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXX XXXX, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX, continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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