BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been making attempts in getting needed documents for personal reasons on several occasions with Loan Depot. This all started approximately end of XX/XX/XXXX and has been going on for the entire month of XX/XX/XXXX. I have been misinformed and lied to by several customer service representatives and Senior Managers in the resolution department one of which was named XXXX who was extremely rude. I have been hung up on numerous times. On XX/XX/XXXX I put The request in for what they refer to as a free form letter confirming information about my mortgage. I followed up daily with loan depot knowing their history was not strong and was told daily from XX/XX/XXXX through XX/XX/XXXX that the letter was being done and needed to be processed. On XX/XX/XXXX I followed up to check its whereabouts and was told give it another day. I didnt receive anything the following day XX/XX/XXXX and reached back out. When I reached back out I was told it was mailed to me. I then called later that afternoon to request it to be faxed and spoke again to XXXX in the resolution department who was extremely rude and was told the letter did not exist. What she told me contradicts what every other representative told me. She then told me there is nothing to talk about, Im not going there she then against my will transferred me to another department. Loan Depot as a whole has failed to produce all requested documents. Their customer service has been awful and less than satisfactory, they have also falsely reported to credit agencies in the past on my behalf which I had to fight to get resolved. I am looking for assistance in obtaining the necessary documentation I need to move forward with accounts I have with other companies. The information I am requesting they will confirm via phone but are refusing to give supporting documents. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed some information on my credit report and it still has not been fixed. 
XXXX XXXX XXXX -- - this needs to be removed. this is not me. 
Name identification number : XXXX XXXXName identification number : XXXX -- this needs to be removed -- this is not meXXXX XXXXName identification number : XXXX - this needs to be removed ... this is not meXXXX XXXXName identification number : XXXX -- this needs to be removed. this is not meXXXX XXXXName identification number : XXXX - this needs to be removed. this is not meEmployers : UNEMPLYED -- REMOVE -- NOT MEXXXX XXXX - REMOVE - NOT MEXXXX XXXX - REMOVE -- This is not meAddress : XXXX XXXX XXXXXXXX XXXX identification number : XXXX -- REMOVE ... this has never been meAddress : XXXX XXXX XXXX, XXXX XXXXAddress identification number : XXXX -- REMOVE ... this is not meIdentification Number : XXXX -- this needs to be removed. XXXX years oldJudgment in favor of XXXX. XXXX -- Remove this.. I am no longer liable for this. 

The following accounts needs to be removed asap. I am no longer liable and they need to be deleted from my record asap. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I requested a complete payment history of these accounts for me to review the exact date on which the late payments and collections were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THE FOLLOWING MIDLAND FUND ACCOUNTS FROM MY REPORT IMMEDIATELY : MIDLAND FUND ( Original Creditor : 01 XXXX  XXXX  ) XXXXBalance {$470.00} MIDLAND FUND ( Original Creditor : 01 XXXX  XXXX  ) XXXXBalance {$690.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX A ) XXXXBalance {$780.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX XXXX ) -XXXXBalance {$840.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX  ) XXXXBalance {$530.00} MIDLAND FUND ( Original Creditor : 01 XXXX  XXXX  ) XXXXBalance {$370.00} MIDLANDMCMXXXXBalance {$370.00} MIDLANDFUN-XXXXBalance {$840.00} MIDLANDFUN-XXXX-Balance {$840.00} MIDLANDFUN-XXXX-Balance {$690.00} MIDLANDFUN-XXXX-Balance {$470.00} MIDLANDFUN-XXXX-Balance {$530.00} MIDLANDFUN-XXXX-Balance {$780.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is n't reporting my XXXX XXXX card. XXXX XXXX says they reported to all XXXX bureaus but experian still has n't put it on my credit 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 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have created an account on Transunion website where they are supposed to make a credit report available for free. Despite multiple attempts that included the following I am not able to access my free credit report. Calls to their customer support don't lead to a live agent but endless menus and are terminated with a message stating that a report will be mailed to me. 

1. I complained to Transunion on XXXX that I couldn't access my credit report. 
2. Transunion customer support asked me to use different browsers, clear browser cache etc that didnt work. 
3. Transunion deleted my account and asked me to create a new one. That didnt work I still kept on getting the " we are unable to complete your request online '' error 4. After multiple pleas to Transunion customer support on XXXX they provided XXXX phone number. When I called this it consisted of numerous long sales pitches for their product which I declines. After I got " let me get you someone who can help '' prompt the call jumped again to the main menu.

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 2016-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: NM
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:
This case is about abusing credit systems and collecting to force consumers ' hands to pay regardless of whether or not they are truly at fault. 

My wife and I moved from XXXX to XXXX in 2019. XXXX claimed we still owed them {$220.00}. They could not provide a statement with the charges, and our account online showed {$0.00} balance when we left them. 

After going back and forth they simply turned the matter over to a collection agency, who then, in turn, reported to Experian to force us to pay while we still did not get a statement of fact. 

We eventually paid the {$220.00} last year to make this go away, but this cost my credit score 60+ points. 

We filed a complaint with Experian but they use their bureaucratic process to justify keeping this on my report. 

This entire process is stacked against us as consumers and is being abused in this specific case by XXXX, the collection agency, and Experian.

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 2020-04-02
Company: Experian Information Solutions 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 notice an account on my credit from XXXX XXXX XXXX. I have never had an account with this company at all. I tried to reach out to the company & they are not assisting me & telling me this account is mines. I was a victim Of identity theft & I have disputed this items a few time going back to XX/XX/2019 & also sent in a dispute every month after that. 

This account were removed from XXXX  on XX/XX/2019 however Experian & XXXX  will not removed this. 

By law all bureaus should show the correct information. 

My police report is on file with all bureaus and all documents.

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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I notice an account on my credit from XXXX XXXX XXXX. I have never had an account with this company at all. I tried to reach out to the company & they are not assisting me & telling me this account is mines. I was a victim Of identity theft & I have disputed this items a few time going back to XX/XX/2019 & also sent in a dispute every month after that. 

This account were removed from Transunion on XX/XX/2019 however XXXX & XXXX  will not removed this. 

By law all bureaus should show the correct information. 

My police report is on file with all bureaus and all documents.

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 2021-09-30
Company: AMERICAN EXPRESS COMPANY
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
Early in 2020 American Express charged my account for a XXXX car rental where my card was not used and not on record with XXXX. The contract rental was on a Visa. 

I requested more than once that AMEX explain how that charge was allowed and informed them of the Visa used. 

No meaningful response or explanation to date has been provided as to how this came to be. 

American Express informed in XXXX the charge was not fraudulent. My view remains that the merchant 's attempt to collect from American Express was fraudulent given they did not have a record of my card nor my card used ( a Visa was ). 

On that basis I request the American Express also provides a copy of the original rental agreement that supports the charges they apply to my card/ account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-18
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Regarding : Cornerstone Home Lending XXXX XXXX XXXX, NJ XXXXWebsite : XXXX Account Overcharge : Cornerstone Home Lending is the servicer of my home loan. I made my XXXX payment on my new construction home in XX/XX/2014. My local bank sold my loan to Cornerstone soon after I closed on my loan. In XXXX, The XXXX County, TX Appraisal district Chief Appraiser came to my home, measured it and gave me an estimated tax amount. In XXXX of XX/XX/2014, Cornerstone paid my taxes of {$2400.00}. Since I had been paying an " estimated '' amount of {$500.00} / month since my XXXX payment, Cornerstone sent me a check for the overage in my escrow account of {$2400.00}. They still kept 2 months worth of escrow for a " cushion '' which I know is acceptable by law. But, Cornerstone DID NOT ADJUST the taxes part of my escrow. Cornerstone claims to have done an " Analysis '', but that is not true. Cornerstone never contacted anyone at the tax office. I have been calling and requesting this to be corrected since XXXX XX/XX/2014. I have been in person to the Tax Appraisal District in XXXX XXXX, TX and verified my total land/property taxes. I have sent the documents from the tax office, with tax office phone numbers and contact info. to prove to Cornerstone they are in error. I have faxed these documents approx XXXX times. I only received an email recently after all this that said, " the tax documents you sent were for land only, and when my house is added the taxes will go up ''. This is foolishness. The value of the home is clearly shown on the document, along with the homestead exemption value. I have requested that Cornerstone correct my escrow payment amount and refund my current overage Immediately.My taxes and Hazard Insurance = {$2400.00} + XXXX = {$3500.00} /12 mos = $ XXXX month. I am paying {$500.00} /month for no apparent reason. Can you please help? 
thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
TransUnion wanted specific information on accounts, I sent these Documents in on XXXX, including police report, affidavits, account numbers. TransUnion sent a letter to me stating refusal to follow CFPB guidelines.

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 2021-09-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage Forbearance is due to expire TODAY. I have been trying to find out from Citizens Bank what I need to do to start making my payments again for over a month. Their process is unlike any other banks ' process that I am familiar with ( I have rental property mortgages with other banks ) ; they are asking for tax forms and other documentation not required by the other banks. Furthermore when trying to understand their requirements the only people I can talk to are in another country, difficult to understand and the telephone connection is ALWAYS poor. I spoke to three different reps this morning who I could not understand. The customer service dept at citizens bank is unreachable. I have complained to a local brand manager who also could not understand the requirements, and has filed a complaint with citizens on my behalf. I have still not been contacted by anyone! I made the XXXX mortgage payment, though I am not confident it will credited properly and still have no idea how to get out of the forbearance program! The attached form indicates the documentation required by Citizens. NO OTHER bank required this to end the forbearance program I was on. I don't want to request loan modification and can't pay back the total due to come out of forbearance. I SIMPLY WANT TO ADD THE TOTAL DUE ( {$19000.00} ) TO THE END OF THE LOAN IN A NON INTEREST BEARING ACCOUNT ... JUST LIKE I HAVE DONE WITH MY OTHER MORTGAGES. Citizens Bank has made this process impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
on XXXX XXXX, 2016 I took {$280.00} from my account in 2 transactions. I got only {$20.00} bills. Later the bank took out an extra {$420.00} saying I had received {$50.00} bills in error. This was not correct and the bank is unable to prove I got $ XXXXs. Nonetheless they refuse to restore my {$420.00}.

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 2017-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My wife died of XXXX in XXXX XXXX at XXXX yrs. I was XXXX with a XXXX yr. old daughter. I filed for chapter XXXX bankruptcy. In XXXX XXXX I went back to court in XXXX to have this dismissed. It was reported on XXXX XXXX. I never went through with the bankruptcy. I have been in contact with all XXXX of the bureaus the past couple of years. XXXX of them have removed it from my credit report. Equifax has not. I have good credit with XXXX XXXX, XXXX and XXXX XXXX. I have had XXXX car loans paid in full. I went to buy a new XXXX on XXXX XXXX. There was a promotion with XXXX XXXX for money back plus first XXXX payments paid by XXXX. The manager said I was denied because I had a bankruptcy. I was denied a XXXX card because my credit report reads I had a bankruptcy. I called Equifax again and was told that bankruptcy shows on a credit report for 10 years. I spoke with a supervisor who was nasty and said, : they do n't care : On the XXXX situation I lost out on approximately {$2400.00}. I filled for bankruptcy in a weak time of my life and I should not have to suffer for something I never went through with. The attitude of the Equifax employees just makes it worse. Can someone please help me this this? Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I reached out to Midland Credit Management regarding a possible debt that may be owed to their company. It was listed on my credit report, so I decided to act. I requested validation from Midland Credit Management on numerous occasions. I received letters that were nothing but a stall tactic in hopes that I won't continue to ask for validation. The letter that was received basically asked, " what I was disputing? '' I was not disputing the debt, I asked for validation. I sent another letter stating that I was aware of my rights regarding debt validation, and I was ignored again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Lexington law had a person that used my information. Also XXXX XXXX had all my information including my banking information as well as picture of my Identification/Driver 's License so I know for a fact that this bill isn't mine and I do have the proof if you need to see it. I didn't know until this year that any of this went on. I also notified the IRS to put a flag on my income tax because someone's using my number to do income tax as well. The IRS as well had contacted me because of the fraudulent activities as well. Again I am still working with IRS to get all of this straightened out. Please help me solve these problems because as you see I pay my bill on time every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/XXXX, someone applied for credit under my social security number with XXXX/XXXX XXXX. I called XXXX Card services and they say they have sent a request to have the inquiry removed but they refused to tell me any other information except that my name was on the application.

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