BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: WLCC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2020 someone without my knowledge or consent tried getting a personal loan in my name using my personal information I tried calling transunion to help with this to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I opened a mortgage with Loan Depot and paid an initial escrow for taxes of {$3000.00} and this was to be placed in an Escrow for a payment in XX/XX/XXXX. I started paying {$520.00} to Loan Depot in XX/XX/XXXX for an Escrow each month and they paid the taxes on XX/XX/XXXX in the amount of {$5200.00}. They never posted the initial deposit of {$3000.00} and so they stated by Escrow in the negative. Informing me of this in XX/XX/XXXX ( when prior screens showed it applied ). 

I initiated this as a concern and now being asked to pay {$960.00} per month to catch up and 60-days later I am still get that this requires significant research. 

In the closing documents ( attached ), you will see there is a left and right side. On the left side shows the collection of the escrow for the one month before a payment happens and on the the right side you will the amount I paid in full for taxes for the first year less the credits to the sellers. Where did this money go?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am a Macys cardholder since XXXX. I went to store to purchase items and was offered a promotion To open a Macys XXXX XXXX for a significant discount on my purchase. I agreed and received information from representative that I was approved. Card came in and wasnt XXXX XXXX but another store credit card. I didnt request to have two Macys credit card accounts. I called store to address this. They said they werent sure why I would have gotten another Macys card when I already had one. Problem is I was offered and told I qualified for an XXXX XXXX but wasnt told it wasnt what I was approved for. The terminology on paperwork is not clear that it wasnt an XXXX XXXX until I got the card in the mail. No where did my paperwork say I was declined for the 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 non-monetary relief
Consumer complaint received 2021-05-03
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 I have previously filed a complaint regarding this company. They are in receipt of my refund from The XXXX County Tax Assessors Office due to the fact that the company overcharged me for ESCROW. This has been a back and forth situation since XX/XX/2021 with this company. I spoke with a Supervisor XXXX XXXX, She hung up the telephone on me and did not call back. They continue giving various excuses for not issuing my refund in an expedient manner. I am requesting assistance 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 explanation
Consumer complaint received 2021-05-03
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2020, I came across a citi bank add promotion where if I opened a checking/savings account and deposited XXXX for a minimum of 60 days, I was going to get a {$700.00} bonus at the end of the 60 days. I did everything and even contacted citi customer service via the online chat service and spoke with an agent to confirm that my account was set for the promotion and everything was fine. The agent confirmed and told me to go ahead and deposited the money, which I did. 60 days later, I contacted the citi customer service again to make sure the promotion requirements were met and I could withdraw the money. I was told again by another agent that everything looked great and to go ahead and withdraw the money. I was told I should be receiving the bonus within 90 days by XX/XX/XXXX. I waited until XX/XX/XXXX and I never received anything. I contacted the customer service and was told all that needed was to filled out a dispute and I will get my bonus since they will just need to enter it manually. I was surprised to receive a letter in the mail saying my request has been denied and I will not receive any bonus. I'm really upset about the fact that Citibank used a false ad to get me to open an account and now doesn't want to pay. I have attached a pdf document showing the screenshot of my conversation with the citibank customer service.

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 2021-11-01
Company: Nelnet, 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: Investigation took more than 30 days

Complaint:
REQUESED VALIDATION. ALSO CONYACTED NELNET ABOUT 15 USC 1681b ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' as well as 15 USC 1681b ( a ) ( 2 ) not having permissible purpose nor written instruction. This is a defamation of my character, and hindering me from living as an equal consumer of these United States

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Seterus, Inc.
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: Investigation took more than 30 days

Complaint:
I have made multiple attempts to get information on why the mortgage with this company is still reporting on my credit report. This debt was obtained in the name on myself and my ex-wife. Since then we had been divorced and the mortgage has been taken over by my wife. I had submitted a quit claim deed and was told by the services that I will no longer be obligated for the debt on my account as she assumed the loan. Every time that I call them since this transaction happened, they state that I am no longer on this loan when the loan number is provided to them. They state that they can't find me anywhere in their system by social security number or name. When I provide them with the full account number, I am told that this loan doesn't belong to me and that they can't provide me any information on this loan. I've also called the company directly with my ex-wife and my current loan officer and was told that they can't verify that I have any liability to this loan. I've stated that this is impossible because they are still reporting negatively to the credit bureaus and that improper handling of the payments on this loan that my wife has made has made it impossible to acquire new financing. They still can't provide any information on why it is reporting this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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: Investigation took more than 30 days

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, Texas XXXXXXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, PA 1XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : Account Name : XXXX XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name XXXX XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Experian Information Solutions Inc.
State: NJ
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 opened a XXXX XXXX account in XX/XX/XXXX by giving them {$250.00} deposit which was a requirement because I did not have a social security number or credit history. It was a month to month contract. I disconnected my service after 6 months and XXXX sent me an email regarding my disconnection of the service and they told me in the statement how they would proceed with final billing and returning the equipment. Under the final billing section it said depending on your date of the disconnect order, you may receive a credit for services that were paid for in advance, if a deposit was required when you ordered you services, the refund will be applied to your XXXX account to satisfy any outstanding debt or charges for unreturned equipment or other billing. Any remaining credit after applying the deposit refund to your outstanding balance will be refunded by a check. So I understood that they will charge my final billing or any other outstanding bill they would take form the {$250.00} deposit that I gave them when I opened the account and that they would refund any remaining money by check. The email date is XX/XX/XXXX at XXXX. The email was sent from XXXX. So after I received this email I have waited for my refund check for the amount of the difference in my debt ( final bill ) and my deposit. The difference was suppose to be {$50.00} and change. However, after eight months XXXX sent me the full amount of my deposit by check instead of the difference between my debt and my deposit. Then I questioned why they sent the full amount and then I figured out that they sent me to collections without my knowledge. I contacted XXXX regarding that and tried to solve this issue and I paid my debt right away after a month I received my deposit back. I explained this situation to XXXX but they did not accept their fault and correct it. And after two years when I get my social security number, I started having a credit history, I have seen a derogatory mark submitted by XXXX due to this collection issue and was being reported to Experian credit agency unfairly and incorrectly. I then tried to contact Experian as well as XXXX again via phone and email. However they did not fix this situation. They did not fix it and my credit is being damaged by this credit report. I want to get a house and/or lease a car but this falsely reported derogatory mark is hurting my report significantly. I want this to be fixed as soon as possible by 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 non-monetary relief
Consumer complaint received 2018-06-27
Company: EMG ACQUISITION GROUP, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took a payday loan out from a company here in XXXX XXXX, Louisiana ... XXXX XXXX XXXX  is the company 's name ... I have been paying on this loan for a little over 2 years ..I first took a payday loan out for $ XXXX..After paying for a while, they told me I could extend it to {$500.00} ... I have been paying {$95.00} in fees for about 2 years now on a {$500.00} loan ... Spoke with company today to try and get on a payment plan for about 4 months to repay this and they told me it would cost me {$250.00} for the first month and {$350.00} for the second month ... If I could afford this, I would pay this off, but I can't ... They will not put my payments lower because they said it was a consumer loan ... I then told them they did not tell me it was that type of loan and I didn't know what that was anyway ... They said there was nothing they could do, that they were not working when loan originated ... Please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received this information about a collection from XXXX XXXX XXXX i did not renew lease with XXXX XXXX my lease expires on XX/XX/2020 and XX/XX/2020 I surrendered keys I was never late I had an automatic draft out my account. I never received my security deposit back as well the country was shut down due to pandemic I went in to XXXX XXXX  and was not able to renew lease due to employment shutting down I dont know where these figures came from of owing XXXX XXXX and this is totally wrong I never broke my lease and I was out when lease expired I left my unit the way I moved in and did a walk through with the agent and surrender my keys this is totally false and unacceptable and I need this issue rectified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
Ive sent a verification letter and havent received anything back. Its been more than 30 days. An i request this account get deleted from my XXXX credit report. Since they cant verify the debt. It goes against the FCRA and should be deleted immediately. Or will be fined {$1000.00}. So Im requesting you deleted this account or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Equifax so many times via phone online, and via first class mailings on many many occasions in regards to 4 accounts that were placed in my name that did not belong to me and 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 build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Equifax more then 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.These account does not belong to me. I have done the FTC, I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following accounts that are reporting are : XXXX XXXX with a balance of {$210.00} and XXXX Collections with a balance {$200.00}, XXXX XXXX with a balance of {$160.00}, and XXXX XXXX XXXX XXXX with a balance of {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hello, Transunion refuse my requesed the indetity theft block sent to them because someone has my SSN and date of birth and I found out that she monotoring my credit score by XXXX she took my background check, home address and a lot of my personal informations from XXXX, XXXX XXXX and others. Im very afraid about myself because maybe she will trying to put me in trouble. I reported this case and at XXXX XXXX XXXX XXXX Police XXXX. My case number is XXXX. Please investigate my case and contact me if you need more proof. Cell ; 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 2021-05-04
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
This is my last attempt to resolve this issue that I've been dealing with Wellsfargo for over 6 years now. In XXXX I opened up a XXXX XXXX  card with WF. In XX/XX/XXXX I enlisted in the military with an XXXX XXXX date of XX/XX/XXXX. In XX/XX/XXXX I notified WF that I was called to XXXX XXXX and that I'm invoking my rights and seeking benefits under the Service Members Civil Relief Act ( SCRA ). 

I was called to XXXX XXXX on XX/XX/XXXX. I didn't receive my first paycheck with the XXXX until about 60 days later so I was unable to make any payments to the card. The entire time I was on XXXX XXXX Wellsfargo continues to report negative late payments to the Credit Bureaus. They reported 30, 60, and 90 days late, that's XXXX, XXXX, and XXXX respectively. This has severely damaged my credit rating and my quality of life. I've made numerous attempts to solve this issue both with the credit bureaus and WF executive office Team. They have always responded that the info is accurate. This is not accurate and is a violation of the FCRA by reporting inaccurate information. 

The payment history that is being furnished to the Credit Bureaus is also inaccurate. XXXX and XXXX have no Date of First Delinquency while XXXX has a report date of XXXX. These are deceptive practices that would attempt to " re-age '' the information thus manipulating the statutory requirement and unlawfully extending it. 

Also, Wellsfargo is reporting to XXXX  that in XXXX, XXXX, and XXXX I was late and in XXXX the Account is current, and then in XXXX is Closed. This is all deceptive practices and the reporting of inaccurate information. Wellsfargo had closed the account sometime in XX/XX/XXXX and didn't give me an opportunity to bring the account current. These late payments and inaccurate information has ruined my entire life for 6 years.

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 2018-04-24
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have requested my mortgage loan servicer Loancare, for mortgage loan number XXXX, provide me the Mortgage Insurance Premium ( MIP ) deletion guidelines and requirements. I submitted my request through their online website and have had no response in the last three months. I know it is law that they at least acknowledge the receipt of my inquiry within a few days and they failed to do that as well. This simple request is being outright ignored by my servicer. By refusing to provide me these guidelines or rules, they are knowingly avoiding my request so they can continue to collect the premiums. Let me add that their website does not have an inbox anywhere. They have my correct email address on file and still have not sent a response. 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
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$62.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation