BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I closed on the refinance of my home on XX/XX/2021 with XXXX XXXX XXXX. 
On XX/XX/2021 I received a call from Loandepot ( the original loan holder ) saying that the payoff was in the wrong amount which was not accurate because I have documentation of closing. Loan depot was saying the payoff statement/check was sitting in suspense on XX/XX/2021. On XX/XX/2021 I received another call from Loandepot and a service representative said it was resolved but when I am looking on the online portal with Loan Depot the loan amount is still not XXXX out and they've had several people calling me to collect a debt when i have already refinanced and closed with a different lender. On XX/XX/2021 I was still seeing a balance online and i gave Loan Depot a call and they said it was resolved after she spoke to her supervisor and that i should see it clear on the online portal in the next week. On XX/XX/2021 I spoke with Loan Depot again and the representative was trying to collect a debt for the mortgage that seems to be overdue and she confirmed the payoff is still sitting in suspense and is not being processed because it is in the incorrect amount but I am seeing the correct amount. In between these documented dates, i have received numerous missed calls from them, automated voicemails in attempt to collect a debt. I have had my lender call them but they will not give him authorization. My lender has also sent out an email on XX/XX/2021 with proper documentation of closing and payoff statement and received no response. It has been over a month trying to get this resolved and settled. Can I please get some assistance? I've called Loan Depot many times and they've called many times to collect a debt and I have to speak to a new representative every time. 

Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX has incorrectly reported our loan as late in XX/XX/ 2019. As soon as I noticed it, I contacted them, as well as Experian to get it corrected. I have since contacted both companies 5 times over the past 8 months, to get this item changed to not showing as late, but it is still incorrect. I am not getting anywhere with either of them. I have sent documentation to both, and it is still showing as late. This is the only derogatory item on our credit report and it is impacting our report and score.

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 2018-05-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Dear Sir or Mam, on XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX or XXXX XXXX XXXX initiated a hard inquiry on my experian credit reports without having my authorization. 
I kindly ask you to remove the hard inquiry thank you. 

XXXX XXXX phone XXXX XXXX XXXX email : 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 2019-03-28
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/19 Radius Global contacted my mobile phone claiming XXXX XXXX had sent my unpaid balance to them, the collection agency, requesting I pay them {$140.00} dollars in a rude manor. They have called me many times day and night. I have contacted XXXX XXXX and have verified that nothing had been sent to any collection agency, there was only a slight residual balance of {$16.00} I paid them directly, so I feel it is my responsibility to inform others of this fraudulent organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX I sent information for Citibank to follow up on regarding a dispute. The person handling my dispute, XXXX XXXX, never called the mechanic listed. If she had she would have learned that the charge I was disputing was valid. I spent months sending her more documentation only to discover after she has given the merchant several chances after deadlines arrived and has now resolved the case in their favor that she never followed through on the very first vital contact.

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 2018-05-20
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX ; I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-07-14
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave XXXX, XXXX, or XXXX  ( WRITTEN PERMISSION ) to have this information pertaining to my consumer transactions. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt. Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Credit Karma, LLC
State: WI
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 submitted a disputed using CreditKarma.com on XX/XX/2018 this dipute is through XXXX on Creditkarma Inc 's website. I have not been shown any results of this dispute and the dispute is still shown as being " Pending '' XXXX  has claimed that they have sent an email of the results which they have not resubmitted to me. Furthermore since the dispute is still " Pending '' I am unable to dispute incorrect information being reported by XXXX  through CreditKarma. com Essentially having my right to dispute information denied at this time. I will attach photographic evidence that will support my claim today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid my full XXXX  comenity card balance then they closed the account after less than a month. 
Comenity provided no reason or explanation. 
I would like my account reopened because I did nothing wrong for my account to be closed abruptly with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Diversified Consultants contact me by phone and mail debt i dont know, and reporting to credit bureaus i sent certified mail XX/XX/2018 asking them to validate debt proof of contract singiture they fail to do so. Need removed and closed from credit report thx

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion XXXX and XXXX several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXXXXXX XXXX ( XXXX ) with a balance of {$780.00}

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 2018-05-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reported over and over through online dispute and actually calling reporting to live person that no accounts open or closed are late no missed payments no account not being paid on time the very opposite also they have 7 hard inquiries only 3 are valid the other 4 are pre approved soft inquiries my credit file is locked still hard inquiries my credit is unlocked same I also put a fraud alert and still hard inquiries are resulting and the companies continue to solicit with very word pre qualified pre approved how could this be that is all 3 b

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 2018-03-27
Company: Kentucky Higher Education Assistance Authority
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
MY LOANS WITH XXXX WERE APPARENTLY TRANSFERRED TO THE KENTUCKY HIGHER EDUCATION ASSISTANCE AUTHORITY ABOUT XX/XX/XXXX. IM NOT SURE IF THIS IS A LEGAL PURCHASE OR TRANSFER.

.

FURTHERMORE, MY FEDERAL STATUS FOR THE LOANS WERE AND HAVE BEEN IN DEFERMENT OF FORBEARANCE THE APPROVED APPLICATION FOR SAID DEFERRED PAYMENTS THRU XXXX XXXX  PRIOR AND DURING THE ENTIRE YEAR OF XX/XX/XXXXAND PRESENTLY TILL XX/XX/XXXX.

UNDER FEDERAL LAW, THAT WOULD MEAN THAT THE COLLECTIONS OR DEFAULT PROPAGATED BY XXXX  IS A ILLEGAL ACTION BY THE STATE OF KENTUCKY AGENCY ATTEMPTING TO OVER-RIDE FEDERAL DEFERMENT OR FORBEARANCE PROTOCALS THAT RELIEVE THE PAYMENT SCHEDULE WITH THE STATE AGENCY.

I NEED YOU HELP IN REMINDING THE PEOPLE AT THE KENTUCKY HIGHER EDUCATION ASSISTANCE AUTHORITY OF THE FEDERAL MANDATE THAT PLACES ALL LOAN DEPTS,,, ,FEDERAL AND STATE IN TO CURRENT DEFERRED PAYMENT STATUS ACCORDING TO THE DEPT OF EDUCATION RULES FOR DEFERMENT OR FORBEARANCE OF ORIGINATION OF FEDERAL STUDENT LOANS WE HAVE THE DOCUMENTATION NECCESARY TO IMPLY THAT THE PURCHASED FEDERAL LOANS OR GUARANTEED ASSISTANCE FROM XXXX IS AND WAS IN DEFERMENT OF FORBEARANCE THEREBY REMOVING THE COLLECTION AND THE DEFAULT STATUS THEY LISTED WITH PREJUDICE AT THE DEPT OF EDUCation and upon my curent credit report in summation they have provided a illegal action upon my accounts and face a federal complaint toward there actions here is the account information, and of course, i can supply the federal documentation to imply forbearance of deferment to aleviate the false collection /late payment process upon my dept of education default status. the fact remains that i worked with XXXX XXXX without XXXX and the kentucky higher education assistance authority knowledge because navient failed to inform them of the proper services and XXXX   arbitrarily assigned itself above federal laws in place to apply a late payment status at XXXX   and the dept of education itself.

REGARDS XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TWO ACCOUNTS BEGINNING WITH THESE NUMBERS, KY HIGHER EDUCATION AA View All Accounts Previous Next Details Account # XXXX Original Creditor XXXX XXXX  Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status UpdatedXX/XX/XXXX Usage - Balance {$57000.00} Balance Updated XX/XX/XXXXOriginal Balance {$44000.00} Monthly Payment - Past Due Amount {$57000.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX Experian and XXXX several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX  several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXX XXXX ( XXXX ) with a balance of {$780.00}

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 2020-01-20
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX.. A company called Phoenix Finacial services has reported somewhere around 15 old medical bills as new debt delinquency on my credit report when all of these bills are from XXXX and XXXX..My credit dropped nearly 100 points! I tried contacting them and they were nothing but rude and XXXXXXXX My next step is to file a law suit.. These r the amounts and dates.. {$1200.00} XX/XX/XXXX. XXXX {$1300.00} XX/XX/XXXX XXXX.. {$1300.00} XX/XX/XXXX XXXX.. {$270.00} XX/XX/XXXX XXXX.. {$1200.00} XX/XX/XXXX. {$320.00} XX/XX/XXXX XXXX.. {$1100.00} XX/XX/XXXX. {$280.00} XX/XX/XXXX XXXX.. {$460.00} XX/XX/XXXX XXXX.. XXXX XX/XX/XXXX XXXX.. & XXXX XX/XX/XXXX XXXX.. {$1200.00} XXXX.. Some are even on there twice! My # is XXXX if anything else is needed.. What they are doing is elegal!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I should not owe anything and if I was ever notified right after this occurred I would have disputed it also I would also like to see the signed authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: JH Portfolio Debt Equities, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2017 I found myself ill and in need of care. I attempted to receive care at the XXXX quick clinic in XXXX at XXXX and XXXX in XXXX XXXX. 

The provider on duty dismissed me as having a XXXX without even examining me. A short time later I had to seek emergency care because I didnt receive care the fist time ... in fact my XXXX XXXX XXXX, which the XXXX would have been seen had I only been examined. XXXX then had the audacity it charge my insurance over {$150.00} for not even examining me. I have tried reaching out multiple times to XXXX to resolve my complaint and the debt ; most recently speaking with XXXX in the provider complaints department. 

She assured me the clinic administrator would call me. That was three weeks ago. I have now been turned over to collections ( XXXX XXXX XXXX. ) even though I have tried disputing the debt twice with XXXX billing department and have attempted to speak to XXXX   to resolve my complaint and the debt numerous times in the last several months. 

Billing said someone would reach out after I placed the dispute on the account, but no one ever did. On top of speaking with the billing department I have attempted to contact XXXX   via email, XXXX and even their main number. 

Please help.

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