BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company XXXX Loancare required that I have mortgage insurance until my home was at 80 % loan to value. I live in XXXX, CO where home values have gone up considerably over the past year. In XXXX of 2021, I contacted XXXX Loancare and requested my mortgage insurance be cancelled. I was sent a denial letter on XX/XX/XXXX stating my home was by them at 85 % loan to value. There was no disclosure as to how they arrived at that number. 

Prior to the denial letter, in early XX/XX/2021, I submitted a comparable home sales report from a Broker named XXXX XXXX with XXXX that showed my home was valued at {$520000.00}. My mortgage balance was XXXX so I only needed the home to be valued at {$460000.00} to have the PMI dropped. In the denial letter they stated that I needed to pay them {$150.00} so they could hire their own Broker to assess the property value. They have access to home sales through their own software and the county assessor why did they need a 3rd party? In XX/XX/2021, having made several calls to the company and receiving three more denial letters, I paid the {$150.00} fee and a broker they hired came out. They recommended the removal of the PMI and provided comparable home sales in the area that far exceeded the value my home had been assessed. 

This indicated to me that the insurance coverage placed on my home had been unnecessary for at least six months. I have requested and demanded a refund of the unearned premium of {$220.00} per month for the past 6 months from XX/XX/2021 to XX/XX/2021 and the {$150.00} fee should be refunded as well totalling {$1400.00}. 

I have already made this request with their representative XXXX XXXX and have received no response. My loan number is XXXX Her email is XXXX I might add that when making the request to have my home value reviewed, even XXXX Loancare 's website provided an assessed value above {$500000.00} for my home so clearly they had the ability to see the value of my home and yet continued to charge me premiums for an insurance that's only priority is to guard against the losses of the mortgage company.

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 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have many inquiries on my credit report showing that is not mine. I reached out to the consumer reporting agencies numerous times over 60 plus days. Letting them know that these inquiries are not mine, fraudulent, and unauthorized by me. I ask for proof and validation of these inquiries, and they refuse to send me validation only stating that it's verified. I know they haven't tried to investigate these inquiries because they are not mine and is a violation under 15 USC 1681b ( 3 ) i want them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Experian Information Solutions Inc.
State: AL
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:
I have a repo with XXXX XXXX  that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.

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 2022-03-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting Agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: GA
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:
Dear CFPB, I am contacting you with regard to my original complaint sent to you CFPB # XXXX which included XXXX and Experian. XXXX has since fixed the issue and have deleted the erroneous information listed on my credit report that was in fact due to Identity Theft. It has been a constant uphill battle with stall tactics to only get no results. Experian will reply to you and say an investigation is in process with you and as of today XX/XX/2022 there is only one investigation result pending and it is one I initiated on my own for XXXX XXXX # XXXX with XXXX XXXX # XXXX untouched and not being disputed or removed at all. I am advising you that Experian has not done any of what they replied to you stating as of XX/XX/2022 per the original dispute sent to you mentioned above. Their business practice is has been unethical and not followed. 

To date since Experian has contacted you, I have not received any communication whatsoever telling me that my complaint has been received and matters are being handled. Both of these accounts are a part of my Identity Theft. I have been supplying Experian with my drivers license, the Federal Trade Commission Affidavit and the XXXX Police Report and it seems it is only a stall tactic to remove the information that does not belong to me. I understand they make money to hold your information but doing the right thing Experian seems to not understand. 

I am attaching the same documents again and wanted to advise you that Experian has not touched any of the accounts that I brought to your attention from the original dispute. 
I have also attached XXXXXXXX XXXX  results after their reinvestigation ( if they deleted, then the result should be the same for Experian ) and handling matters the way they should have from the beginning from being a victim of Identity Theft.

Per 605B the bureaus should not be reporting anything that is a part of my Identity Theft and I am tired of fighting with them over their unethical business practices.

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 2021-10-17
Company: MoneyLion Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Moneylion has locked my account for more than 10 months, they keep saying they are going to send the money back to the sender but never do it. They asked me for documents to unlock the account but they do not unlock it. They have been holding USD XXXX the account has been frozen since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: CREDIGY USA CORP.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello! 

An employee of XXXX, XXXX XXXX XXXX, XXXX fraudulently charging my debit card for his insurance plus he tried to spend XXXX at XXXX online when my bank called and shut down my card because of abnormal activity on XXXX XXXX, XXXX. An employee of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, called me from a different number ( his cell phone ) at XXXX pm to tell me my card number was invalid. I then explained to him that yes it is because I had some fraudulent charges on it. He seemed sympathetic etc and I told him that I would be getting a new card and would call him with that information. I called his office the next day, because I thought it was odd that he was calling me at XXXX and asked to speak to a supervisor. The man that answered the phone said he no longer works there. XXXX called me the next day while I was on a lunch break to ask if I had received a new card. I said Im a little confused because originally you told me that XXXX, XXXX XXXX XXXX does not accept debit cards and if you dont accept them why would you need it? He said because it would be a backup in case I didnt pay. I then informed him that I called the office and they said he no longer worked there. He denied it and asked who said that? I told him I didnt catch his name. I told him to call me back around XXXX and I would get the card and give him the number. He never called and Im assuming he knew that I knew it was him that did the fraudulent charges. I called XXXX, XXXX XXXX XXXX because I never got a call back, and asked to speak to a supervisor. The lady said she could help so I told her the story. She said you need more than a supervisor and placed me on hold. I spoke with XXXX XXXX, XXXX XXXX and told him my story again. He said XXXX no longer works there and that the XXXX had done this to another lady and she was filing a police report and that they, XXXX, XXXX XXXX XXXX, were filing something also. He asked me to fax him a copy of the police report when I got it. 

XXXX, XXXX XXXX XXXX XXXX. took me to court over an old credit card debt. The credit limit was XXXX or XXXX} and now is XXXX that XXXX XXXX XXXX XXXX bought from Main Street Acquisition Corp. I asked if they would drop the interest off and I was told that he would fight it and so I agreed to pay XXXX a month. I would think that XXXX, XXXX XXXX XXXX would have some type of responsibility for their employees. I have written an email to XXXX XXXX on XXXX XXXX, XXXX and as of today XXXX XXXX, XXXX I never received a response to that email. I did receive a letter dated XXXX XXXX, XXXX saying they have n't received my payment. I do not think that I should owe anything on this debt after an employee of their company wrongfully used my debit card. That person would have never had my debit card number if he was not a collector on an account of XXXX, XXXX XXXX XXXX. They have some liability for this/his action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting Agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: Aldridge Pite, LLP
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Aldridge / Pite, LLP is a third party debt collector with absolutely no authority to represent XXXX XXXX XXXX. as Trustee forPlaintiff, in the court file or in the record anywhere and according to FL Stat 2.505 ( e ) ( 2 ),  Appearance of Attorney : an attorney may appear in a proceeding in any of the following ways : ( 1 ) by serving and filing, on behalf of a party, the party 's first pleading or paper in the proceeding. ( 2 ) By substitution of counsel, but only by order of court and with written consent of the client, filed with the court ... Aldridge / Pite, LLP Law Firm are third party debt collectors, trespassers and interlopers and thieves trying to steal my home. They are not registered with the Florida Office of Financial Regulation or the State of  Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage doesn't apply payments appropriately. This has been a recurring problem and I have reported to the CFPB before. We stay approximately 3 monthly ahead on our payments and we make each of the payments through the Lender's website. The lender's website will only allow full payments plus additional principal and additional escrow. They will not allow partial payment. We made the payment plus additional principal on XX/XX/XXXX which was due for XX/XX/XXXX . They did not apply our payment. The account summary shows it went all to principal, but the statement shows it is held in suspense. I called Freedom Mortgage on XX/XX/XXXX and was told by XXXX that it would be corrected. It has not and now the lender is blaming me. I was told I didn't make the full payment - I didn't pay enough. I paid through their website as always, which doesn't allow less than a minimum payment and I paid additional principal. Additionally the lender is trying to charge me a future interest rate. My interest rate is changing, and they are trying to charge me the new rate on payments I am making now. How can they charge future interest? We also have not received the ARM notice of a rate change. Is that not supposed to go out 60 days prior to a change? They claim they sent it on the XXXX, but there is no record of that online in the statements and documents section of their website. How can they charge me the new higher rate now? Why am I penalized for making my payments early and paying extra?

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 2022-03-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The Telephone Consumer Protection Act is a separate federal law that regulates any entity that uses the telephone to do business. It applies to debt collectors, because they often or always limit themselves to phone or mail communications in their efforts to collect debts. Like the FDCPA, the TCPA is a strict liability statute that imposes damages of {$500.00} per call meaning that damages can mount quickly for someone accused of making daily or weekly calls that violate this law. However, the Federal Communications Commission has adopted regulations that clarify when, how, and to what extent the TCPA applies to debt collectors ; so it is important for debt collectors who face TCPA claims to use counsel who is familiar with this area and who knows what might and might not be violations. 
I WOULD LIKE MY ACCOUNT REOPEN OR I WILL GO FILE A FEDERAL LAWSUIT AND SHOW IN COURT MY PHONE RECORDS OR YOU GUYS WILL HAVE TO PAY {$500.00} PER CALL AS STATED IN THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please forgive me, however, these documents would not open to be submitted with COMPLAINT XXXX filed about 2 hours ago.

Uncertain IF it was your system ( as this has happened on prior occasion ) or IF my computer. 

However, these are an extension of the above referenced complaint. 

Thank you for understanding XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
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 wrote all three credit reporting agencies about incorrect information on my credit report and XXXX and Experian refuse to fix the problem despite having clear documented evidence of the reported error. XXXX, a student loan provider and servicer, has reported to these agencies that during XX/XX/XXXX and XX/XX/XXXX my payments were made late. I have concrete evidence in the form of correspondence from XXXX confirming that between XX/XX/XXXX and XX/XX/XXXX my federal student loans with XXXX were in deferment status and payments were not required. As such, these two erroneously reported late payments in XX/XX/XXXX and XX/XX/XXXX should be removed and deleted from my reports.

XXXX  XX/XX/XXXX - Late Payment XXXX XX/XX/XXXX - Late Payment

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 2017-11-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There are 2 collections reporting on Equifax with XXXX one in the amount of {$1000.00} the other {$710.00} and I have been disputing this for some time now. Every time I try to get validation of the debt they show a new open date. Now it 's showing the two things just opened. I have not been to the hospital in over 4 or 5 years and this continuously reports a new open date. 

I have never received anything from a doctor 's office indicating I owed anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting Agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX  Account {$3600.00} balance last updated. 

Is now paid and closed. Please update.

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 2018-01-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have repeatedly filed complaint with CareCredit re interest rate. I have not used the card for two years and yet owe more today than two years ago. There is something seriously wrong and must be illegal with this practice.

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 2017-11-08
Company: RSH & Associates, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Somehow this company has obtained my work phone number. A co-worker came by my desk to ask me if I was XXXX ( maiden name ), since she knows me by my married name. I said well yeah, but that has n't been my name in over 5 years, she then said oh ok well there is a XXXX XXXX asking for you on hold I picked up the phone and this man immediately began to yell at me about an outstanding medical bills. I have no outstanding medical bills. I kept trying to interject to ask him to please not call me at work and he continued to talk over me and yell, refusing to let me get a word in edgewise. Completely rude and unprofessional. If indeed I owed anything, NOT the way to do business and certainly not any way to get anyone to willingly cooperate with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received the first XXXX XXXX card in my name on a XXXX ready to activate attached to a direct deposit form with my information and a bank account number and routing number from XXXX. I did not apply for, ask for or want these services ... and was applaled to recieve it as I am on the GOVERMENT DO NOT SOLICIT LIST for financial and insurance solicitations. I called them and told them I was registered and asked them to remove me from thier solicitation list. The lady assured me the account was closed. In XXXX, I received another one. Same mastercard with and open account and routing in my name. Anyone could have received this and activated it. Which is why I do not want unsolicited offers. I did not appreciat their ignorange of the " DO NOT SOLICIT '' list nor the disregard for my request not to solicit.

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 2017-11-08
Company: Financial Credit Service, Inc.
State: SC
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 a call from XXXX of Assett Associates and in an aggressive manner she stated I owed a debt for someone I co-signed for. I have not co-signed a loan with anyone other than my husband in well over 10 years. I tried to ask for something in writing but she would not answer any of my questions. She did state the debt was to XXXX XXXX for over XXXX. The phone number on my caller ID was XXXX and I received another call shortly after from XXXX.

Company response to consumer: Closed with explanation