BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
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 aren't 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 non-monetary relief
Consumer complaint received 2019-06-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
SSA REPORTED VIA THEIR LETTER FINALLY XX/XX/XXXX after requesting since XX/XX/XXXX THE FOLLOWING FRAUDULRNTLY MADE CHANGES YO MY SSA XXXX CHECKS XX/XX/XXXX Routing # XXXX Account XXXX XX/XX/XXXX Routing # XXXX XXXX XX/XX/XXXX Routing #. 
XXXX I was told after having a balance of XXXX XXXX dollars by the branch manager at XXXX XXXX XXXX XXXX in XXXX XXXX Virginia XXXX LOCATION I always have my checks to XXXX the teller and I had reported identity theft and fraud in XX/XX/XXXX XX/XX/XXXX. She stated after her investigation. That I had no money in any bank account with wells Fargo. 
WHY ARE THERE 2 DIFFERENT ROUTING NUMBERS.. I opened only a XXXX XXXX account at XXXX XXXX XXXX XXXX XXXX Virginia in XX/XX/XXXX.. 30 plus years ago under XXXX XXXX XXXX my name now XXXX XXXX XXXX XXXX . 

History. No info given to me by wells Fargo for my personal data Min XXXX recorded loan XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Virginia XX/XX/XXXX hard inquiry on my credit reports. wells Fargo dealership aka wells Fargo denied twice but there was a second account made up in my name that should not have been.

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 2019-06-20
Company: Sentry Recovery and Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last week I checked my credit score and a account that was opened on XX/XX/2012 Of the amount of {$7200.00}. I was XXXX years old at that time. There is no way a XXXX year old is renting a apartment In XXXX XXXX. I am currently XXXX over seas, And I had no knowledge of this until it popped up. And my dad is in prison, so I had my sister get into contact with him and he claims he does not know my social security number. But he tried to blame his ex girlfriend which speaks no English. It Is hard to believe him when he used my sisters social to open a bank account. It also went to collections. so I had my wife call the company and they said my social security number matched but the birthday did not. My father and I have the same name which I have a feeling it was a mistake from the Apartment staff or he straight up used my Social. My wife gave me a email address to let them know what is going on, so I emailed them everything I knew and also summited a dispute on XXXX XXXX. I am still waiting to hear back from the Collection company.

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 2019-08-05
Company: KEYCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Friday, XX/XX/2019 I made my car payment online via KeyBank bill pay. I noticed over the weekend that I had 3 security alert emails, stating an 'online banking account transfer was initiated ' from KeyBank and to call if I had not requested the transfer. I was afraid that they would try to run this payment 3 times so, on Sunday, XX/XX/XXXX I called Key to ask why I had received these alerts. I was informed that there was a glitch in the system and I received the emails in error. I asked if this meant that my payment was being initiated 3 different times and the call rep stated that my payment would not be processed more than 1 time. I unequivocally stated that I did not authorize any more than 1 payment. On Monday, XX/XX/XXXX, I checked my account and noticed that the authorized payment of {$750.00} had processed but they had also transferred {$720.00} overdrawing my account. When I called, I spoke to 'XXXX XXXX and she said verified that the information I had received on the XX/XX/XXXX was incorrect. She said that I would have to wait until Wednesday for the payment to post to my account before they could attempt to reverse it. I did nothing wrong, I did not authorize any more than the one, {$750.00}, transaction, they fraudulently took {$720.00}, overdrawing my account and leaving me with a {$35.00} overdraft fee, then told me that I had to wait for their system to post my payment in another 2 days before I could attempt to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 aren't 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 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Starting XX/XX/XXXX, the three major credit reporting agencies, XXXX, XXXX, and Transunion were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As of XX/XX/XXXX, the inaccurate information is still reporting on my XXXX, Transunion, and XXXX credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match public record data to consumer credit files for XXXX. XXXX performs this matching themselves. 


XXXX, XXXX, and Transunion refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, XXXX, XXXX, and Transunion- to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.

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 2017-11-13
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For over 1 year Radius collections agency ( ( XXXX XXXX XXXX has been calling me trying to get me to pay for additional years subscriptions for Domain Names.I called the credit collection agency and the registrar of the domain names, XXXX and have asked them to stop at least 6 times.

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 2020-02-19
Company: Recovery Partners, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Hi. Recovery partners , LLc of XXXX, AZ tries to impersonate XXXX XXXX  and claimed that I was involved in an accident. I called XXXX XXXX  and they have no claim against me. I have a clean record and was not involved in any accident. Their address is XXXX XXXX XXXX, XXXX, AZ. Their phone number is XXXX. 

They claimed the accident occur on XX/XX/19. The account number as XXXX. Claim number as XXXX. I called XXXX XXXX directly. They have no record of any accidents associated with my driver license. 
They even spelled my name wrong when they send me a collection letter. In their letter, they threatened to suspend my driver license. 

I have asked them for detail information of the accident and the claim and they refused. I have also asked them to produce an accident report. They refused. They seek {$1800.00} from me which I'll take to court if they try to suspend my driver license which I think they can not since there is no accident.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: OH
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:
My complaint is the the three credit agencies. I closed two credit cards because I didn't need them. They were at XXXX balance and they were never late on payments. Now because I closed the accounts they drop my score for no reason. What can I do. I don't need the credit cards and the country is in enough debit, I sure I'm not the only one that this has happened to. Now because I closed those accounts two of my other cards thought I was in trouble and lowered my balance and I've never been late with them either. What can I do?

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 2017-11-11
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to contact Midland Credit Management regarding collection issues. I have notified Midland several times advising that they are not providing the correct amount of what they allege I owe from a loan that they received from XXXX. I had requested that Midland provide copies of the original loan, any vouchers I have signed and/or transactions as well as the interest changes to the account which they should have from the original loan. To date, Midland has failed to do so and they continue to report an inaccurate amount to the credit reporting bureaus. I have notified the credit reporting bureaus of the discrepancy but Midland continues to state that I owe the amount of {$7200.00} which is vigorously being contested and disputed. As a consumer, I have rights that are being violated by Midland and I will have to resort to seeking legal counsel in this regard since Midland has not agreed to nor have they provided any proof of their inaccurate reporting to the credit reporting agencies. 
Midland has a duty and obligation to provide the information I am requesting in order to provide accurate and correct reporting of the debt they claim I owe. If they continue to ignore my requests since I have reached out to them several times, I will have no recourse but to consult with legal counsel as I believe I am being discriminated against because Midland has placed my account in collections but have not provided accurate documentation of what the correct amount of the debt is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After undergoing several hardships over the past XXXX year to include family XXXX, my XXXX XXXX XXXX XXXX, several treatments of XXXX, to include a XXXX XXXX XXXX and subsequent hospitalizations from being ill, I fell behind on my mortgage. In pursuit of obtaining a loan modification and placing the arrears on the end of the loan, I hired an attorney to represent me in saving my home from foreclosure ; however, I was not notified of the foreclosure until after the sale. 

Currently, I am still undergoing treatments under hospitalization and enduring a significant amount of stress from not knowing the current status of my home. I have repeatedly called the lender ( Bayview Loan Servicing ) and XXXX XXXX and have not received any concrete information from them but have subsequently received an " IMPORTANT NOTICE ABOUT EVICTION '' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Email : XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have filed a mortgage loan through LOAN DEPOT in hopes to get approved for a home that my family and I wish to purchase. The home builder company advised us to go through Loan Depot since they are the approving mortgage loan company that handles VA Home Loans. I managed to speak to a gentleman named XXXX XXXX ( NMLS # XXXX ) who happened to conduct a preapproval process but was halted since a lady named XXXX XXXX was assigned to location and the approving sales manager for the home we wish to purchase. 

I did not waste time to send the documents that XXXX XXXX requested through the LoanDepot Mortgage Loan Portal since we were on a specific timeline to get the approval for the home. I continued to monitor and contact MsXXXX XXXX XXXX  but she does not make any attempt to inform my family regarding our VA home loan status. Based on our phone conversation through XXXX and XXXX that my credit score coupled with my income meets the requirement for the pre-approval for the home and there should not be any problem of getting the home loan. 

I am submitting a help since XXXX has not contacted myself or my wife with the any information about the VA Home Loan and at this point we lost the bid for the home. She has ran my credit report already and yet she continuous to ignore my attempt to obtain an approval and disregard any attempt to communicate back to us. I have made numerous attempt to contact the company but they kept referring me back to XXXX XXXX and no one seems to want to get involved or help us with the VA Home Loan approval. 

I can not continue having another mortgage loan company to run my credit report again and go through the difficulties of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have spoken with representatives from Equifax and XXXX  that my auto loan is paid in full as of XX/XX/2020. I was advised that the account would be updated XX/XX/2020. It is still not updated. 

There are also several accounts that have been closed because they were paid in full but have not been removed from the account. They are very old accounts that never seem to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please refer to my prior case - Bayview failed to address the fines and penalties assessed to my tax bill by the city of XXXX for their failure to pay my real estate taxes. XXXX in fines and penalties was added to my tax bill due to them not paying the bill. Although I was advised by XXXX XXXX that I should no longer pay my taxes, the letter dated XXXX/XXXX/XXXX from XXXX XXXX of Bayview indicates that I should have known to continue to pay my taxes. I am not sure why I would pay my taxes and insurance when I was clearly told that I was no longer to pay them, that Bayview had paid them and it would be handled by my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw I was in collections with XXXX XXXX XXXX  through My credit report for XXXX XXXX XXXX I reached out to both companys requesting an iteamization /complete bill breakdown XXXX XXXX XXXX informed me they had no record of it and instructed me to contact the collection Agency which I did and was Only emailed a form stating there was a past due balance of XXXX there was nothing stating what the charges were for there for the debt dose not exist.

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 2020-02-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I started a loan with Nissan Finance Corporation on XX/XX/XXXX. I was to pay {$290.00} a month for 66 months. I have been paying {$300.00} to pay off the principal earlier. I was told I would be done by XX/XX/XXXX by making extra payments. They are still saying I owe them {$130.00}. I went back in my statements online and for the entire first 10 months ( XXXX XXXX/XXXX/XXXX ) they took out NO extra principal. They also did not apply extra principal payment onXXXX. My whole account is messed up as my payment amount due only shows {$270.00} for the past statements. It also shows that I only paid {$17000.00} in principal, interest is {$2000.00} paid and I owe them {$130.00} when my loan contract shows that only paying minimum would have me at the same number. Everything is false. I called on XX/XX/XXXX and was sent to XXXX, a floor manager who called me back later that day and asked for 24 hours to get achived files. I got no phone call. On XX/XX/XXXX I spoke to XXXX who transferred me to his supervisor. She told me XXXX was on another phone call but I owe them the {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX is a big fraud, I spoke with her over the phone on XX/XX/XXXX and she said she will send me a check of {$450.00} within two days but have n't recieved anything from her. I called her back on XX/XX/XXXX and she replied that she never said this to me. 

A complete lie. when I spoke with her on XX/XX/XXXX she clearly said that she has spoken with the employees of Capital one, and I do n't owe anything to capital one, and the amount which I had disputed has come up to {$450.00} with interest charges attached to it. 

But now she is saying a complete different story, Capital one does n't intend to pay me back for the fraudulent charges, what a shame. 

They are always saying two different things.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw I was in collections with Credence Resource Managment through My credit report for XXXX XXXX XXXX I reached out to both companys requesting an iteamization /complete bill breakdown XXXX XXXX XXXX informed me they had no record of it and instructed me to contact the collection Agency which I did and was Only emailed a form stating there was a past due balance of XXXX there was nothing stating what the charges were for there for the debt dose not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was trimming the trees in my backyard, I got a scratched XXXX, went to the ER and they washed my XXXX, after they sent a bill for XXXX. There is no justification for this charge.

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 2020-02-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My identity has been compromised and accounts has been opened and closed in my name, awhile ago this has been reported to all the credit reporting agencies and yet to be resolved as of this writing. Therefore, I'm demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX {$860.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Good evening, i like to make a complaint to Best Buy Credit Card. I take the credit card about 1 year ago, may be. I bought a notebook and never had a problem. The last year i bought an XXXX  telephone. The seller never told me i have a promotion for 1 year and later the promotion finish, and the interest will be variable. This affect my credit in 4 points, they said they sent the information in the monthly extract but i change my address. Then, when i bought the telephone NOBODY told me the promotion will finish at 1 year. This is a fraud!! The telephone doesnt work good, i need to go 3 times for change, and they told me i needed to go to XXXX. I bought the telephone in Best Buy! Not in XXXX.! Finnally they change the telephone. Later i had a surprise with the bill. I maked a complaint and they give me 1 year promotion without interest. And they promised me than when finish the promotion they will renuew! I need they renew the promotion because these not are the conditions than they told me when i bouth! If you need more info or documents please let me know. Thanks! My email address is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation