BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my home in XXXX of 2020. As a first time homeowner I was required to pay private mortgage insurance premiums. I had the option to pay upfront ( about {$4100.00} per month ) or monthly for the life of the insurance ( about $ XXXX/mo for a little over four years ). 
I was told that if I paid up front, but reached the required equity threshold more quickly than expected, I could request a refund of some of the amount. 
Similarly, if I opted to pay monthly and reached the required threshold early, I could request to cancel my PMI payments. 
I opted to pay the PMI up front. 
Earlier this year I was able to make a large payment on my mortgage and reached ( and exceeded ) the threshold. 
The process of requesting the PMI cancellation was ridiculous. You have to know exactly what to ask hen you're on the phone, ( You'd like to " Submit a request to cancel PMI '' ). If you don't have the right lingo, they will hang up on you. 
Once you ask the magic question you get a secret email address listed nowhere else in any documentation or on their website. You send a specifically worded email to that address and then wait for thirty days.

So I went through that whole song and dance and, on day thirty, received an email that said " There are no PMI refunds due to you at this time. '' No explanation. No justification.

Loan Depot stole over {$3000.00} from me. I paid for over four years of PMI and only used a year and a half of it, and they just want to pocket the extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a complaint requesting my BK XXXX XXXX reporting on Experian and BK XXXX XXXX reporting to all 3 EX, XXXX and XXXX  be removed because it is reporting inaccurately and unverifiable. 
I have submitted request per these dates and received a VERIFIED as ACCURATE each time per XXXX XXXX. 

XX/XX/XXXX disputed inaccurate reporting of BK ( verified as accurate ) XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX deleted by XXXX XXXX and placed back onto credit report same day ( now appears twice ) same identical BK XXXX XXXX XXXX sent me my 202 page report showing in Section 9 under Bankrupcty that nothing is there. I have attached this document as well.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Acct # XXXX shows that I owe them that I owe them {$5700.00} this acct is reporting that this acct was open XX/XX/2020 on ( 2 ) XXXX and ) XX/XX/2020 this acct is mis reporting inaccurate info. I don't have any account with 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 2021-03-10
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank blocked my account from XX/XX/XXXX, because they told me that it was in the process of closing, that they were going to close my account and that the money that was in the account would be sent to me in a check. The reason they closed it to me was because the bank doesn't want any more relations with me, that's fine. But that was on XX/XX/XXXX and we are on XX/XX/XXXX and they never sent me anything, and when I call they only tell me that the account was blocked and is in the closing process, and that when they close it they will send me a check, it The same thing that they told me since XX/XX/XXXX. They have always told me that the process according to Citibank lasts from XXXX to XXXX business days but 7 months have already passed and they do not tell me anything about my money, they only have no more information and that's it. I had almost {$2000.00} in the account and it doesn't say anything.

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: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX, CBE Group, CREATED a debt in the name of XXXX XXXX for {$170.00} and placed in on my credit report. They are reporting that the " Open Date '' is XX/XX/XXXX. I HAVE NOT OPENED AN ACCOUNT WITH CBE GROUP AT ANY TIME. I HAVE NOT OPENED AN ACCOUNT WITH XXXX XXXX ON XX/XX/XXXX as falsely reported. THIS INFORMATION IS BEING FALSELY REPORTED. In XX/XX/XXXX, I filed a bankruptcy and included XXXX XXXX. There is no account number listed or anything. I do not have any accounts owed to either of these companies for {$170.00}. This reporting resulted in a decline of my credit score by 14 points. I want this account immediately removed from my credit report and CBE Group banned from reporting anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights. 

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated. 
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 which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well!

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate which was violated. 

Additionally, EQUIFAX initially investigated and reviewed my FTC report and DELETED the inquiries for XXXX  inquiries and violated and failed to comply with FCRA consumer law by RE-INSERTING the inquiries back to my report ( see attached documented proof of FTC and EQUIFAXS own written document deleting inquiries from EQUIFAX CONFIRMATION # XXXX!!!! ), a month later!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX XXXX multiple times in XXXX and XX/XX/2021 to attempt to settle the outstanding balance with XXXX XXXX credit card. However, XXXX XXXX claims they do not own the account because it hasn't been transferred to their agency from XXXX XXXX XXXX another debt collection agency ). However, when I call XXXX XXXX they say they've transferred the account to XXXX XXXX. I've been informed multiple times by XXXX XXXX customer service reps that a service request has been placed with XXXX XXXX to have the account transferred and this process would take 5-10 business days. However, over 45 days have past and there has been no progress. The account details on the website of XXXX XXXX show the account is owned by them but not available for payment. My XXXX  credit report also shows the account in care of XXXX XXXX through XXXX XXXX. When I contacted XXXX XXXX they claim the account has been transferred to XXXX XXXX. I would like to either reach a settlement or pay the outstanding balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
two checks were stolen from our mail box in XX/XX/XXXX that were sent to my husband and I from a temporary employer ( XXXX XXXX  XXXX XXXX ) and cashed at XXXX XXXX XXXX  with a fraudulent signature. We contacted XXXX  XXXX via Cfpb complaint and they responded saying " After review, we confirmed that your employer will need to work with their bank to resolve this matter. XXXX XXXX will need to receive a Without Entry Affidavit from the issuing bank to return the funds. '' Our employee banks with Wells Fargo and they have been unwilling to provide us the appropriate documentation that XXXX XXXX is asked for so that we can be paid our wages. 

All I'm asking is that Wells Fargo complete the Affidavit and send to XXXX XXXX so we can be done with this.

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 2022-03-31
Company: RIA FINANCIAL
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I tried to cash my money order at Walmart, and it wouldn't process. They then further mentioned they couldn't process my request because my credentials were on hold, and that possibly because someone used my identity to make a XXXX dollar check cash back in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Two debt collection agencies XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) keep putting repeated derogatory information for the same accounts on my credit report that is not mine. I have disputed them multiple times through the credit agencies and had them removed but they keep putting them back on my credit report every year. This is for an address that I have never lived at, but using my social security number. 

I attempted to contact Sunrise Credit Services to notify them of this. They told me I had to provide multiple pieces of personal information including photocopies of my driver 's license, my social security card, a W2 showing my address which I am not comfortable providing ( nor should I have to ) a private company to resolve an issue such as this. I don't understand why there is no communication between the credit agencies ( XXXX XXXX XXXX  ) and these collection agencies to verify that the same negative information is being places on the credit report for the wrong 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 2021-10-27
Company: Experian Information Solutions Inc.
State: PA
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:
For the past two years I have been dealing with the burden of someone stealing my identity. The persons involved have received credit cards car loans and received personal family or household goods. I have tried to dispute all the accounts some came off and some refuse to be taken off. I've paid credit repair agents and tried to dispute myself with out proper knowledge. Today I the natural person consumer is asserting all lawful action to get remedy for my identity being stolen. XXXXXXXX XXXX XXXXXXXX has given me the hardest time they have sold my debt or shared it with a third party debt collector. Pursuant 16CFR 433.1-433.3 THE CONTRACT IS FRAUD THERE IS NO CONTRACT CONTAINING MY SIGNATURE. ALL CONTRACTS MUST HAVE TWO SIGNATURES NO COMPANY IS EXEMPT. They never sent validation of the debt pursuant FDCPA 15USC 1692 ( d ). I never contracted, agreed, or arranged any consumer credit transaction. I ask that the account be closed because I had no idea how to dispute the identity theft at the time in XX/XX/XXXX and it was still being actively used and paid in my name. XXXX XXXX then closed account and charge off never sending me anything pertaining to the identity theft I alerted the fraud department. Each month since XXXX they have reported to the CRA 's negatively without the proper notice to opt out. XXXX, XXXX, and EXPERIAN are all apart of the identity theft. I've sent in a driver 's license, passport, social, and pieces of mail to prove identity and valid address. The credit reporting agencies failed to verify the info. They have me listed under XXXX XXXX or XXXX XXXX XXXX and that is not and have never been my name. They have listed I have as SSI Pension I have never worked anywhere long enough to receive a pension. In XX/XX/XXXX I filled and FTC identity theft against XXXX XXXX  XXXX My consumer report says it was open XXXX XXXX making me a minor at the time. XXXX sent me a letter saying that it was verified XX/XX/XXXX. Pursuant 15 USC 1681 a ( e ) all investigated reports must have sources of interviews of family and friends. NO REPORTING AGENCY has provided and investigated report containing such information. The credit reporting agencies are reporting on an alleged debt between me and XXXX XXXX  XXXX pursuant 15 USC 1681a. I the natural consumer has the right to privacy pursuant 15USC 1681a ( 4 ). These fraudulent accounts were authorized by XXXX  the real credit card defined under the Truth In Lending Act and these transactions must be excluded from my consumer report. This infringement has gone on long enough I want the account updated as paid and full and taken off my report.

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 2021-10-27
Company: EQUIFAX, INC.
State: PA
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:
For the past two years I have been dealing with the burden of someone stealing my identity. The persons involved have received credit cards car loans and received personal family or household goods. I have tried to dispute all the accounts some came off and some refuse to be taken off. I've paid credit repair agents and tried to dispute myself with out proper knowledge. Today I the natural person consumer is asserting all lawful action to get remedy for my identity being stolen. XXXXXXXX XXXX XXXXXXXX has given me the hardest time they have sold my debt or shared it with a third party debt collector. Pursuant 16CFR 433.1-433.3 THE CONTRACT IS FRAUD THERE IS NO CONTRACT CONTAINING MY SIGNATURE. ALL CONTRACTS MUST HAVE TWO SIGNATURES NO COMPANY IS EXEMPT. They never sent validation of the debt pursuant FDCPA 15USC 1692 ( d ). I never contracted, agreed, or arranged any consumer credit transaction. I ask that the account be closed because I had no idea how to dispute the identity theft at the time in XX/XX/XXXX and it was still being actively used and paid in my name. XXXX XXXX  then closed account and charge off never sending me anything pertaining to the identity theft I alerted the fraud department. Each month since XXXX they have reported to the CRA 's negatively without the proper notice to opt out. XXXX, EQUIFAX, and XXXX are all apart of the identity theft. I've sent in a driver 's license, passport, social, and pieces of mail to prove identity and valid address. The credit reporting agencies failed to verify the info. They have me listed under XXXX XXXX or XXXX XXXX XXXX and that is not and have never been my name. They have listed I have as SSI Pension I have never worked anywhere long enough to receive a pension. In XX/XX/XXXX I filled and FTC identity theft against XXXX XXXX  XXXX My consumer report says it was open XXXX XXXX making me a minor at the time. XXXX sent me a letter saying that it was verified XX/XX/XXXX. Pursuant 15 USC 1681 a ( e ) all investigated reports must have sources of interviews of family and friends. NO REPORTING AGENCY has provided and investigated report containing such information. The credit reporting agencies are reporting on an alleged debt between me and XXXX XXXX  XXXX pursuant 15 USC 1681a. I the natural consumer has the right to privacy pursuant 15USC 1681a ( 4 ). These fraudulent accounts were authorized by SSC the real credit card defined under the Truth In Lending Act and these transactions must be excluded from my consumer report. This infringement has gone on long enough I want the account updated as paid and full and taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to call Customer Service at  American Express on   XX/XX/XXXX   XXXX   around   XXXX   XXXX   PST at  XXXX  and I was able to talk to various customer service representatives who provided me with various pieces of conflicting information. I spoke to  XXXX  and he advised me that I would not be able to make a payment online because they were having technical issues and that I had to call back  in 1-3 hours to  resolve the issue. I spoke to another representative who informed me that I can not make a payment over the phone because my pay-over-the-phone features have been suspended. I called around   XXXX   XXXX   and spoke to  XXXX  and  XXXX  consecutively.  XXXX  informed me that she was going to open up a case regarding my online and phone payment features but she was not able to resolve the issue concerning any late payment fee. I then spoke to another representative  XXXX  who informed me that the checking account she tried to enroll over the phone ( my  XXXX   XXXX  account ending in  XXXX  ) was suspended when I properly advised her that the account is open and is currently in good standing as I receive paychecks via Direct Deposit to this account. She was not able to provide me with any appropriate resolution on the rewards dollars I have just redeemed online 2 days ago and she informed me that it will be applied on the next billing cycle. This just goes to show tha t American Express representatives provide me with conflicting pieces of information and are unable to resolve any issues due to the runaround that have been giving me for the past two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
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: Information belongs to someone else

Complaint:
Exparian and XXXX  refuses to block fraudulent accounts from my credit file. Ive sent multiple request via us mail. This is my 3rd CFPB complaint. They keep asking for more time. Ive been a victim of identity theft and need these items blocked per fcra. Ive sent in ftc report. im told it isnt clear. Well i can read it clearly. I have NEVER DONE BUSINESS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREFERRED LEASE EXPARIAN OR XXXX or any of the following companies listed cant produce a signed agreement with my real legal signature!! 
PURSUANT TO SECTION 605B OF THE FCRA REPORTING ACT and send the required notifications to ALL FURNISHERS OF THIS INFORMATION!!!

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 2018-04-19
Company: CITIBANK, N.A.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CitiBank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: TX
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 Account # 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