BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-17
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am a XXXX XXXX affected by government shut down. I spoke with the loss mitigation department and was granted an extension to XX/XX/2019 to make my loan payment. I had money to pay my credit card and line of credit which is the issue I made a XXXX payment XX/XX/2019 and was reported as late and delinquent to the creditors bureau in spite of them knowing I a XXXX XXXX that was documented in the system. I have spoken to the bank and they said they would dispute it and correct this it has been 30 days and it still reflects delinquent on my credit file. This is a travesty that I have 4 accounts with this bank and they extended the loan but I told them I will pay the line if credit of XXXX dollars and they report me 30 60 90 days late when that is not accurate. I want the delinquent remark removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My identity was stolen on or around XXXX XXXX. During the time period of XXXX XXXX - various accounts were opened in my name. One of the companies Key Bank, i notified on XXXX that fraudulent accounts were open in my name. i spoke to someone on the phone at location below. 

KeyBank Fraud & Disputes Hotline XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, A Fraud & Disputes Hotline Analyst at Key Bank that i spoke with indicated to me on the phone that there were actually more than 2 suspicious accounts in their system in my name open. He said i should mail documents in to them, which i did on that same day. I submitted all required documents - including a police report, my identity theft claim and all documents they required to the address listed above. 

to date, no one has contacted me in writing or by phone to indicate these accounts are closed. i want a letter in writing-not a phone call - that all accounts fraudulently opened in my name ( XXXX XXXX or my maiden name XXXX XXXX ) are closed. I have to date, NO accounts with KEY BANK at this time that i opened on my own. 

i am filing this complaint wanting help in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020, Pennsylvania ordered an eviction and foreclosure moratorium. Per the order, any XXXX XXXX notice sent after XX/XX/2020 would be considered as sent on XX/XX/2020 after the order expired on XX/XX/2020. For reference, please visit : https : XXXX % XXXX % XXXX % XXXX Borrowers were sent an XXXX XXXX notice on XX/XX/2020. Therefore, that notice should have been deemed to be sent on XX/XX/2020 and borrowers should have had XXXX  days to consult with an approved XXXX Credit Counseling service. Instead, however XXXX filed a XXXX XXXX XXXX XXXX. 2020 XXXX XXXX XXXX on XX/XX/2020. That premature and unlawful foreclosure action caused the following : - Borrowers were negotiating their Loan Modification after the Foreclosure was filed, and were already in a position of severe disadvantage in negotiating a fair modification because the date for Borrowers to answer the Foreclosure complaint was quickly approaching and Borrowers did not want the legal proceedings to continue. 
- Borrowers were left with little choice but to agree with the XXXX viable option presented to them for Modification which included a payment that was nearly {$1000.00} more than their original payments had been. 
- Borrowers were assessed a significant amount of fees related to the Foreclosure action which should never have been assessed because of the premature and unlawful Foreclosure filing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've called Synchrony numerous times, regarding a credit inquiry on my XXXX credit report, XX/XX/2018, regarding XXXX XXXX XXXX. I then asked under fair consumer law section 604, please provide me information of my signature consent to have my credit looked into. Wheres the application with signature? 

I was made aware that SYNCB has no contract with this company, and such application exists from me. This info was made clear on a recorded conversation that they recorded and so did I. 
I asked for it to be removed this inquiry is false, they would not comply nor provide the accurate documentation proven that I agreed to this inquiry. I wish this to be removed right away.

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 2018-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has placed an account on my credit history for {$450.00} as of XX/XX/2018. I have asked for some form of signed documentation showing were I have an unpaid account with them but they refuse to provide it. This account has been disputed and it continues to report falsely to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were behind a payment for XXXX. My husband went to the bank in person on XX/XX/XXXX and ask what we needed to pay to be current and he paid that amount. It was 2 payments plus late fees and was to also cover XXXX. We got our next statement with a past due amount. Again we went to the bank, ask what we needed to pay to get caught up and why/how we were behind? After a few days they said we missed a payment in XX/XX/XXXX and they floated it and it just appeared with accumulated late fees. ( Thats questionable because we were getting calls from Key Bank asking for information in the summer of XXXX so we went to the bank and the young man there said no it wasnt them calling, they would not ask for social security/account numbers on the phone. We ask him to check our account and he did and said it was current and no problems. ) So we paid again and 11 days later got another and then a foreclosure. We paid again, then they said we were paid through XXXX ( in XX/XX/XXXX! ) after we saw {$1800.00} unapplied payments on our statements, plus another {$20.00} fee ( for what? Were ahead ) We had to take money out of our savings. We dont think our statements have been correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received numerous calls everyday for the past month regarding a debt not owed by me. I repeatedly informed Capitol One that I did not owe the debt and to please remove my phone number from their call list. Two of the representatives were respectful ; however most of them were rude and informed me that they would continue to call me and even said they would call me later in the day. Some would just hang up on me after I asked them to stop calling. These calls continued daily even on weekends. I care for an elderly sick parent and the calls were intrusive annoying and disrespectful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
Company: Perfection Collection
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have paid this collection I will attach the paid letter received and receipt with this complaint. I dont understand why it was taken off and added back to my report I did indeed pay this to resolve it not deal with this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Paypal Holdings, Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
PayPal keeps withholding my funds without a valid reason, they have made me spend extra money in the past for their XXXX 3rd world Representatives I sold shirts from my website and PayPal withheld my money for no reason. They are trying to retaliate against me for filing a complaint against them, they have stolen money from me in the past by making me / forcing me to perform financial acts that are unreasonable and then thinking and apology later will suffice. This is unjust Account ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: EQUIFAX, INC.
State: NC
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:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my report, I saw that several accounts were opened without my knowledge. This has created great turmoil for myself and my family and I have suffered greatly because of this. I would like to move past this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I Opened up an account with PayPal through XXXX to sell items on XXXX. My items got sold and there were no complaints the buyers were satisfied after it got delivered. However, when I went to transfer my funds that was in my balance PayPal put a hold on it, and froze my account. I was on the phone with them several times, trying to figure out why cant I transfer my money to my bank. The items got delivered XX/XX/2019. I spoke to several reps one rep asked why do I need to transfer the money ( I was shocked by that question ) its my earned money from my business and I should be entitled to get my money and put back in my business. Why should they hold it if there are no complaints and no refunds. The rep also wanted more information from me I guess to see Im the person in charge of the account. I gave them all the information they asked for and even more. I gave them my social, my ID, I even gave them a bank statement, and my lease to where I live. Nothing was taken care of, I spoke to other reps, one rep even said yes you gave us everything, she even took my account off of hold, and made it seem like everything was fine now. I got off the phone, and that same night at XXXX they sent me an email saying my account is suspended and they will hold my funds for 180 days. Now at this point Im furious, PayPal have been doing this to so many people the only reason I have an account with them is because XXXX uses them as a payment method, ( for now ) because I read they are parting ways soon. But besides that, I also read by law depending your state no transmitting company is allowed to hold your funds for more than 10days. It has been since XX/XX/XXXX and they are still holding my funds which is only {$610.00} but to me its alot because its my earned money I need and can use for my business, which takes care of my family. Almost forgot, when they sent me the email ( XX/XX/XXXX ) stating my account is closed and I cant do business with them, and they will hold my funds they mentioned I was a fraud and the information I provided to them is not mines. Next day I contacted and went back and forth with them asking them why they will accuse me of that when that is a serious matter because people can go to jail for that all the information documents I gave them are all mines. I reached out to the mayor of my state they contacted me and gave me this information to contact you guys. Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For about ten years, we have been getting harassing phone calls and letters from a string of scores of collection agencies purporting to represent " XXXX XXXX '', to collect on a Texas utility bill. One, we have never lived in Texas, and have lived at the same address in Florida for 28 years. The debt collectors never provide us with the address of the company or the identity of the person who did have the debt, if there ever was one. When we respond to their letters, we simply wait a few weeks, and we get another string of letters from a different collection agency. By the way, 28 years is way beyond the seven years statutory period. The latest agency to try this scam is Resurgent Capital Services, XXXX XXXX XXXX, XXXX, MI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 previously had a student loan serviced by XXXX ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XX/XX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; XXXX is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to XXXX by phone on XX/XX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with XXXX, XXXX and Transunion & sent them supporting documentation. XXXX is still investigating the dispute, Transunion has failed to even acknowledge the dispute or open an investigation and XXXX has already completed the investigation and is refusing to remove the negative information because they say XXXX validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the XXXX XXXX XXXX. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: MD
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 
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 2019-05-16
Company: EQUIFAX, INC.
State: KS
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:
When applying for a loan in 2015. I was denied due to Equifax not reporting my credit. The loan agent sent me a document from XXXX stating I could request a suppression on my credit. I never requested one. 

For a few years I have been trying to resolve this issue with Equifax, they claim I do not exist or can not verify who I am. I have sent them all of my documents confirming who I am. 

My XXXX and XXXX credit is fine. They both receive the info from my lender on my auto loan. The lender sends the info to all three bureaus. XXXX XXXX sends my info to all three bureaus, but again Equifax does not report it. 

This problem has kept me from purchasing vehicles, a house, I couldn't even go buy a new washer and dryer. When I went to a local store to buy new appliances they claimed I had no credit, then they asked me to confirm my identity, I did. And they proceeded to tell me the information does not match with my social security number and that I show up as a woman living in Utah. Which is incorrect. I have never lived in Utah, and I am male. 

It's extremely frustrating that I pay my bills on time and have good credit with the other 2 credit bureaus, to turn around and be denied a loan because of an apparent mistake on Equifax ' part. 

Any information I can get to solve or help determine what happened would be great. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander USA is the company that currently is reporting my vehicle loan information. On XXXX they state the loan was opened on XX/XX/XXXX. I NEVER opened a loan on XX/XX/XXXX. They are reporting inaccurate payments history to XXXX and XXXX. I also never met/contacted/nor spoke to anyone from Santander. Vehicle was not purchased from Santander. Santander and XXXX XXXX of XXXX fraudulently shopped my information causing XXXX hard inquiries to XXXX  and are reporting all incorrect information. This has caused undue hardship on myself during XXXX and XXXX XXXX, caused financial issues as Santander repossessed my vehicle incorrectly on XX/XX/XXXX. I have receipt of payments with zero notification of late payment. 

Santander only shows statements from XXXX XXXX-present, yet reports XX/XX/XXXX as start of loan. 

They are reporting inaccurate information continuing to tarnish my credit profile, refuse to remove 35 inquiries I did not consent to on XXXX, and continue to report false date of purchase of vehicle. This needs to be removed immediately along with compensation for entire purchase and payment amount including downpayment amount. 

I have also been required to pay out of pocket for insurance monthly at price of {$450.00} for vehicle when the lender should have included insurance payment for this at time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit report, I noticed several fraudulent charges and/or accounts on my report. This has caused tremendous strain on my financial situation and prevents me from taking care of my family in the way I did previously.

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 2020-06-25
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan was paid off to XXXX XXXX back in 1990 over 30 years and they have sold it to several lenders advising them an incorrect amount. In my loan was only for XXXX and sold for XXXX in interest to Navient. I need off my credit and interest forgiven. Please assist and have removed from my credit. Thanks!

Company response to consumer: Closed with explanation