BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-02
Company: LD Holdings Group, LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been dealing with my mortgage company, XXXX XXXX since they bought my mortgage in XX/XX/XXXX. They are supposed to take care of my property taxes. My property taxes are $ XXXX/year after residential exemption. However, they keep charging me {$2700.00} per year. I have contacted them via phone and FAX to ask them to reduce property tax withdrawals from my account to their escrow account, however, they simply ignore my request. Right now, I have {$1800.00} in my escrow even though I do n't owe any taxes for XX/XX/XXXX! And, XXXX XXXX ignores my request to return this money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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:
The accounts listed here MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. This is supporting fraud. Accounts : XXXX XXXX XXXX XX/XX/XXXX {$710.00}, XXXX XXXX XXXX XX/XX/XXXX {$890.00}, XXXX XXXX XXXX   XX/XX/XXXX {$240.00}, XXXX XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}, XXXX XXXX XXXX XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XX/XX/XXXX {$220.00}, XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$27.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00}. Inquires : XXXX XXXX, XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: GVA Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
First payment on {$1200.00} loan on XX/XX/15. APR 449.2762 %. Biweekly payments of {$250.00} times XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX is a consumer credit reporting agency I had never heard of until I applied for a loan. My credit score is not perfect, but its also not as low as this site is reporting. Theres no way to file a dispute online without giving all my most personal information. It seems as though other people have also run in to this problem. It seems very suspicious. As I trust the three major credit bureaus vs one that I never knew existed until today.

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 2017-02-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Ally Auto continues to call my home 4 times a day everyday for the last month or so. I am less than 30 days behind on my car note and they continue to call at least 4 times in a day to collect payment. Calling me this amount of times in a day is harassment and will not make pay them any faster.

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 2016-05-02
Company: Ditech Financial LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree changed the terms of my loan without ever contacting me or me agreeing to the change. I was paying my taxes separately from my mortgage for years. GT started to pay the city out of my payment without ever telling me. I went to the City to pay my taxes last XXXX 2015 and they said they were paid by my mortgage company. The problem I have now is because they took the taxes out of the money I paid towards my mortgage every month for 7 + months and reported me late on my credit report. I NEVER signed or agreed for them to pay my taxes. I have since gotten a modification ( took 3 + years of XXXX ) and they did finally lower my interest rate and I am now paying my insurance and taxes through them, but I never agreed to this before the modification. I want the late for 7 months taken off my credit report because it is not true. I was not late, they changed the terms of the loan without my consent or knowledge. Please respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX is reporting a collection account from XXXX on My Transunion, XXXX, and XXXX credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.

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 2016-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I properly disputed an unrecorded lien on my credit report to no avail. There is no recorded lien or released lien # XXXX from this Court for this date for this amount. I have documentation from XXXX County Recorder of Deeds that supports my dispute of this erroneous entry on 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 2015-06-03
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled services within the XXXX day period and was not soppose to be charged a cancellation fee at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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: Information belongs to someone else

Complaint:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my EXPERIAN consumer report on XXXX, XXXX XXXX, without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX MORTAGE XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 



Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Best regards, 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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 disputed the balance on my XXXX XXXX  XXXX credit card. The bank over charged me with their error and are refusing to fix it. So I disputed it. TU didn't act as if they investigated even though I sent a mountain of info with all of my statements and a letter detailing the issue. They treated it as any other frivolous dispute and ignored it leaving the info unchanged. It's inaccurate and I want it fixed! I'm not accepting their response. The balance is wrong, XXXX over charged me with interest and other fees for their error. The item should've been cleared with all of the payments I made. One of them fairly huge! They ignored it so they could double charge me for the item doing a bait and switch so they could earn double interest. They tacked on back interest and have refused to correct it. I suspect I will end up having to sue them when I get the balance lower. I refuse to pay the add on costs period. Their account is in dispute as far as I'm concerned.

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 2022-04-21
Company: Augusta Collection Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification that I had two collections for a debit from Augusta Collection AGC on XXXX XX/XX/XXXX. One in the amount of {$97.00} for XXXX and one for {$63.00} from XXXX. I immediately called the company for clarification of debit. I was told that due to me living in the state of TEXAS the company could not contact me or send mail to let me know of the date. The company did not have a license to operate in the state of Texas. I was informed the debt was for utilities bill for the city of XXXX which I had not lived in since XXXX due to me being XXXX XXXX military and moving from the are. I owned a home but the home was being rented out to tenants. I have a legal agreement with all parties that includes they must pay all bills and be held responsible for them. I was told because I was the homeowner I had to pay. I also never signed a contract with the city of XXXX to transfer the bill back into my name ( which they require ). Regardless I was never informed of any debit that I owed. The phone call was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: CITIBANK, N.A.
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a personal loan with One Main financial for {$4500.00} and my payment is {$140.00} monthly or {$71.00} bimonthly. Since XXXX/XXXX/2015 I 've made XXXX payments {$71.00} and my balance is still {$4500.00}. This has happen in the past with my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Other

Complaint:
We have a CitiBank Home Depot credit card. While shopping at Home Depot in XXXX 2014, I did n't have any cash and even forgot my Home Depot Credit card with Citibank. They agreed to let me use it and they looked it up for me and charged the {$82.00} and I left. 
About 2 months later, we had a recording on our home phone answering machine, stating that our account was 60 days late. My wife called immediately and asked why we had n't received a statement, and they said they sent it electronically. My wife immediately made the payment and before she made the payment confirmed with the representative that our credit would n't be hurt. 
About a month ago, we are purchasing a XXXX home and had my credit pulled and come to find out that CitiBank/Home Depot had reported this {$82.00} 60 days late on my credit. We wrote a letter to Citibank and disputed it with the credit bureaus to come to find out that Citibank will not remove it. We never received the statement, either paper or electronically. They claimed they sent it out to an email and my wife and I NEVER received it. Citibank illegally reported to the credit bureaus that I was 60 days delinquent on my account for a {$82.00} charge. 
This has damaged my credit score and prevented me from obtaining a better interest rate due to CITIBANK/Home Depot lack of sending me a statement to inform me that I have a debt/payment due. 
I would be satisfied if CitiBank/Home Depot removed the 60 day late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX have 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 explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and Chapter & Bankruptcy Reference # XXXX have 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 2016-02-25
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I first learned of the debt of {$130.00} on XX/XX/XXXX from Transworld Systems Inc., that I did not know I owed. They immediately put this debt on my credit report prior to my knowledge of the debt. I tried to pay the debt and inadvertantly dated my check XX/XX/XXXX instead of XX/XX/XXXX. They returned the original payment slip with my check to my son with a letter stating he owed $ using the same account number. According to the original account at XXXX XXXX my son was XXXX at the time this debt occurred. I am not exactly sure what they are trying to do but I am sure they can not go after XXXX different people for the same debt. I also do not believe they followed proper procedures prior to reporting anything to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: SC
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. The list of accounts below has violated my federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX debt amount {$100.00} XXXX XXXX, XXXX debt amount {$930.00} XXXX XXXX XXXX  XXXX debt amount {$100.00} 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish an account without written consent.

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 2017-01-01
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in the process of disputing an incorrect balance, {$400.00} with XXXX due to them misplacing equipment that was turned in after I canceled service with them. In the process I was turned over a collection company, Enhanced Recovery Company ( ERC ) and they placed the account with all XXXX credit bureaus. After tracking down the equipment, my balance was corrected, {$110.00} and paid in full. XXXX was suppose to send me a letter/statement as proof of the balance of my final bill and paid in full status so I can send to the Credit Bureaus and ERC to have this account removed/deleted entirely from my credit report but I have not yet received it. However, the balance has been updated with the XXXX credit bureaus as {$0.00} but it should not even be on any of my XXXX credit reports. If you would so kindly assist in this matter. It is negatively affecting my credit scores greatly. Payment confirmation number is XXXX paid with XXXX Rep. XXXX. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2019, Portfolio Recovery added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Greetings On XX/XX/XXXX I tried to pay a bill using my Robinhood debit card for the amount of {$750.00} $ this amount was not associated with any pending stock or any pending transaction this was on my settled funds the transaction got rejected, then my account became restricted, ive tried understanding why the same day but I had a very hard time the next day XX/XX/XXXX I tried to contact Robinhood again and they asked me to upload back in front of my Social Security number bank statement -pictures of my self holding my driver license. I did that on the spot XXXX over the phone told me that this would take four hours and my account will be unlocked again! Todays XX/XX/XXXX and my account is still restricted I have requested the supervisor for more than 26 times still getting ignored every single time I send an email asking for an update I dont receive any replies, Please help it is beyond hard to deal with Robin Hood

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX I submitted a claim regarding a banking promotion with citibank. The claim number is XXXX. On XXXX XXXX Citi responded that they would credit my account with XXXX thank you points since I had met the terms of the promotion. The correspondence from XXXX XXXX stated that the points would be deposited in 60 days ; according to this schedule the points should arrive by XXXX XXXX. Yesterday on XXXX XXXX I logged into to redeem the points that had been granted and the points from this account were missing. The representative that I spoke to said that the points had been forfeited. I explained that the points had just be granted after a dispute and were due to be deposited by XXXX XXXX. I worked very hard to ensure that I received this bonus and am very upset that Citi seems to have revoked their offer.

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