BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have experience discriminatory lending when the bank chose to deny me an offer me proper mortgage program help. I believe the discrimination is based on race class, property location using credit scoring systems that mask the financial crisis problem, downplaying the circumstances as if its a first time loan approval program, instead of dealing with loan crisis problem that put my mortgage into financial crisis. KeyBank project a broker appraisals report ( opinion ) that set higher than market value than treasury county value that was reported as a lower value. They continue to disregard the criteria for HUD programs that could prevent foreclosure. 

I believe the types of discrimination I have experience have been overt discrimination and malicious disparate treatment. KeyBank have created barriers, making it more difficult in subtle as program that requires evidence of one month of verified income for a mortgage programs for making homes affordable through HUD making me provide more extensive income documents and masking my request for help. By using the mediation as advantage to force credit and income information that shouldve been handle before mediation dates. Making it seem as if they I never had income to qualify for mortgage programs that were available during XX/XX/XXXX-XX/XX/XXXX.  When knowingly KeyBank is aware of the programs that are available. KeyBank chose to downplay the financial crisis program in which could help prevent foreclosure. The lender used the mediation to state the obvious that theres financial crisis and the distress of the loan, however neglecting to provide the program that I qualify for. 

I wanted and expected a fair opportunity for help when I came Keybank XX/XX/XXXX for help, before foreclosure when I was in good standing. Still asking for help that I shouldve have received. 

XXXX XXXX XXXX  XX/XX/XXXX : filing for request for HUD program assistant. I found out due to government Shutdown, I still should have time to qualify. 
Foreclosure Mediation : XX/XX/XXXX Phone conference I express I would seek help the HUD approval for help XX/XX/XXXX : I was told by KeyBank that all program was over. 
- Because of the government program I still have time XXXX XXXX XXXX : XX/XX/XXXX : filed loss mitigation XX/XX/XXXX : filed loss mitigation : showing increase in pay rate and hours and job change XX/XX/XXXX : filed loss mitigation : showing increase in pay rate and hours XX/XX/XXXX : Showing the increase and in pay and hours, waiting for employer negotiation period to another increase. 
XXXX XXXX XXXX of XXXX XXXX : XX/XX/XXXX : Went for assist when money that was available. Company XX/XX/XXXX : Filed Loss mitigation file never pushed forward / XX/XX/XXXX : File for assist for Loss mitigation and assistant

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Zions Debt Holdings
State: KY
Product: Credit reporting 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/2023 - ZIONS is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. It is the CFPB 's job to protect the consumer and ENFORCE the LAW. ZIONS has also never validated the alleged debt they CLAIM I owe. And they are also not honoring my request to opt out which I have sent sever times which is also an unlawful act on their behalf. Please forward to general counsel. 16 CFR Part 313

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX  I had submitted a dispute to experian through their website. To have them investigate several different negative accounts. That is currently listed on my experian credit report. On XX/XX/XXXX  Experian responded to my dispute that I submitted to them online through their website. Stating that they only updated the information listed under these creditor accounts, which I didn't request experian to do at all.

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 2023-12-12
Company: I.C. System, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am reaching out because I have sent out dispute letters to these credit bureaus on these dates below : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I have yet received any information stating if they have verified these accounts or if the account is accurate. Upon my FCRA rights they have violated those rights that I have requested a dispute investigation on these accounts. I have been waiting to long for these accounts to be investigated.

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 2019-07-02
Company: CITIBANK, N.A.
State: OR
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/XXXXI had a hard report on my account for Citibank I don't bank with Citibank I don't have a Citibank credit card on tXX/XX/XXXX I had a hard investigation on my credit report from XXXX in XXXX I do not have XXXX nor XXXX asked for them to look in anyting so I'm questioning 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 non-monetary relief
Consumer complaint received 2024-01-04
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from Lendumo. The interest rate was not made clear to me and far exceeds the legal limit in my state of XXXX. They operate under the premise that they dont have to follow XXXX  law because they operate under federal/tribal law. However, Lendumo, XXXX, XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not licensed to do business in XXXX. Tribal Law does not supersede the need to have a lending license in the state in which you are lending. I have confirmed this information with the XXXX  Department of Financial Protection and XXXX as well as the Federal Trade Commission. I have also confirmed they are not licensed in XXXX. They are refusing to let me talk to someone in their legal department, and are trying to uphold this obnoxious debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am currently enrolled in XXXX XXXX XXXX. During this period, the credit card company has changed my personal information on my account to family members. I have seen my phone number changed to my father in laws as well as XXXX of my sisters when I havent given them any of these numbers or authorized them to call them. They call multiple times a week. I have informed them I have been enrolled and they have said they havent been willing to notate my account to stop these calls. XXXX XXXX  XXXX has attempted to send them power of attorney to stop this and the company says they wont accept it until they are ready to settle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Cedars Business Services, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. XXXX   received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against XXXX, XXXX XXXX XXXX, and Cedar Business Service, LLC for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 after pulling my credit report I found negative reporting on my consumer credit file from a company named Credit Collection Services. 
The negative and inaccurate reporting of this account is harming me. 
Credit Collection services did not validate this debt before reporting it on my consumer report. 
Credit Collection servic did not have my permission to furnish this information to my consumer report. 
Credit Collection Servic did not notify me before reporting information to my consumer report Credit Collection Servic does not have a contractual agreement with my wet ink signature on any documents with their logo or Company Letterhead Credit Collection Servic does not have a power of attorney or delegation of authority

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The following accounts : XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX were updated and verified after filing a dispute, on XX/XX/2023 I have received an updated copy of my Transunion credit report and noticed the original creditors failed to put " notice of dispute by consumer '' in the remarks. That is a violation of my FCRA rights, 15 u.s.c 1681-2. The law states " Duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ''

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 2023-07-06
Company: Patient Accounting Service Center
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is the second complaint I am filing against the company. They were notified that they were to have provided the necessary documentation to the debt that I requested and failed to provide it within a reasonable amount of time. This debt was issued by a health care facility that lied when I disputed it with them saying they would not send it to debt collections until they also provided me with documentation. They too failed to provide the documentation. The documentation that they submitted in the last complaint still does not add up to the amount they are asking for. In the debt collection letter that was mailed to me it states I owe {$1500.00}, in the response from the company it states the charges on the itemized bill were for {$1200.00} plus an adjustment of - {$910.00} and at the bottom states the total is {$330.00} and the " Pay this amount '' box says " XXXX '' none of the documentation adds up to the totals of these charges nor does it show on there I had already previously paid at time of service. The " documentation '' provided seems to be fabricated and nothing adds up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The same debt has appeared on my credit report three times now ... the first two times it was removed, but this latest dispute was not deleted for whatever reason. I shouldn't have to dispute the same charge every year. 

Dispute # XXXX XX/XX/XXXX : Credence Resource Manage reported a debt of {$1400.00} from XXXX XX/XX/XXXX : A dispute I initiated with XXXX was resolved and this was deleted from my credit report as it was fraudulent/not my debt XX/XX/XXXX : XXXX, XXXX reported a debt of {$1400.00} from XXXX XX/XX/XXXX : A dispute I initiated with XXXX was resolved and this was deleted from my credit report as it was fraudulent/not my debt XX/XX/XXXX : Credence Resource Manage reported a debt of {$1400.00} from XXXX XX/XX/XXXX : A dispute I initiated with XXXX was resolved and NOT deleted from my credit report even though it's the same fraudulent debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have not lived at these addresses which are on my credit report. This was reported last year in a report to correct my address. The proof was submitted and nothing was done about it. I have submitted my ID and passport. These addresses have never been on my other reports. I'm trying to get my errors corrected on my Experian 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 non-monetary relief
Consumer complaint received 2021-01-31
Company: Consumer Collection Management. Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  Of XXXX XXXX XXXX opened XXXX XXXX, 2018 for the amount of {$110.00}. Collection is not accurate, collection isnt mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: AZ
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:
Equifax continues to report an accounts that have not been verified. 

Accounts : XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX Equifax has responded amd stated that these accounts are valid. They supplied no documentaion showing my obligation to pay these accounts. Equifax did supply a contract with a unknown company XXXX XXXX XXXX the same documents sent to me from XXXX XXXX XXXX. There is no contract showing I owe XXXX XXXX XXXX. Its also shows that these are two different companies. ( Please see Arizona secretary of state business information attached ) XXXX did not provide their licensed information proving the validity of their company or their authorization to collect in the state of Arizona. I have no knowledge of any such account with them or XXXX XXXX XXXX and would like to have the original contract sent to my showing my wet signature. XXXX XXXX has no business with me and never has had any business with me. XXXX XXXX and XXXX XXXX bank have not been verified or validated as well there are no documents that I have received showing my obligation to these organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them.

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 2024-01-06
Company: Atlanticus Services Corporation
State: GA
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: AZ
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 following accounts listed by the credit reporting agency have violated my rights and privacy. 

- XXXX XXXX BANK Account # XXXX -XXXX XXXX XXXX Account # XXXX - XXXX XXXX  Account # XXXX XXXX XXXX XXXX -Account XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX BY XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I the consumer have a right to privacy and confidentiality. Additionally 15 USC 1681 section 602a clearly states that credit reporting agencies shall not report any consumer information that I, the consumer has NOT given express written consent to publish or furnish information about any accounts on my consumer report. Furthermore, the credit reporting agencies continue to add incorrect personal information such as other Social security Numbers, Addresses, phone numbers, and names that are not associated to me, any accounts I own, and/or my consumer report. 

Names not associated with me or any accounts I own. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number not associated with me : 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 2023-12-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I submitted a complaint on XX/XX/2023 with the CFPB ( Complaint ID XXXX ). The company has responded to my complaint by refunding only half of the requested funds. I have received the requested reimbursement for one of the unauthorized transactions for {$860.00}. The total reimbursement amount was {$1700.00}, and I have only received half of the funds. However, an additional {$860.00} has not been received yet.

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