BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-09
Company: KEYCORP
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I sent a check in the amount of {$5400.00} to Key Bank to pay off me car loan and to send me my title forthwith. Attached was a note explaining the purpose of the check together with my name, phone number. address and account number.It was sent priority mail.Address was provided by a Key Bank employee. 
XX/XX/XXXX I checked my checking account and saw that the check was cashed by Key Bank on XX/XX/XXXX. 
XX/XX/XXXX I called Key Bank to ask what the holdup was. I was told that they never rec 'd the check and I needed to send proof that they cashed the check. I faxed a copy of the cashed check ( front and back ) to a Fax Number provided by a Key Bank employee.When I called to verify that the info was received.They couldn't find it and told me I was given the wrong Fax #. I was given a different Fax #. I sent it again. I was unable, via various phone calls, to verify the receipt until XX/XX/XXXX when I was told I needed to send in a copy of the Bill of Sale.I faxed it the same day. 
XX/XX/XXXX I received a call from a supervisor ( XXXX ) that a " refund check was mailed to me on XX/XX/XXXX in the amount of {$5400.00}. Which I never received and I told her so No action was taken by the Bank even though they had all the information to apply the payment to my account.She told me that I am required to sign an indemnity agreement to hold the Bank harmless in order to apply money to my account.and she would e-mail it to me. 
XX/XX/XXXX I received the " refund check '' which was postmarked the XX/XX/XXXX!!! 
I contacted an attorney who advised me not to sign the agreement. 
XX/XX/XXXX we called the supervisor to request to be able to talk to her Boss.After extensive discussion back and forth we were connected to XXXX ( Executive Branch - admin. asst ). He did not help other than he promised to research the issue and contact us within 24-48 hours. 
On the same day I received threatening calls from Key Bank - That I was behind in my payment and need to send in money. I received several calls. 
XX/XX/XXXX I received a call from XXXX XXXX who stated she was the case manager and she needed more time to research the issue. 
Additional notes : This process has dragged on for a month without any results whatsoever, It is very stressful and frustrating. This issue is slandering my credit rating and impacting my health due to the extreme incompetency of the Bank employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 Bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax has data breach problem, and promises free for a TrustedID XXXX protection. I have been trying to register for the service since XXXX XXXX, and had called several time to solve the so-called " system not available '' issue, and has retried many times, and still got the same responses. Please help me to get protected from their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this company numerous times regarding a fraudulent debt. A police report number was given and also a notarized identity theft statement sent. 

In a good faith effort to resolve this matter amicably, I restated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter or an I.P address if this contract or application was done through the internet. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with this company, nor am I a customer, nor have I entered into a contract with them, I have asked for the following information : Evidence for authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company has failed to provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date : XX/XX/18 Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX NC XXXX Transunion Consumer Dispute Center. 
XXXX XXXXXXXX XXXX. 
XXXX, PA XXXX RE : XXXX XXXX # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX XXXX # XXXX which you claim is past due. The account was paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be  liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. Better Business Bureau

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 2018-11-09
Company: First National Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Years ago, 23 years ago to be exact, I had a XXXX card with a balance of {$1500.00} ( give or take ) that I always paid on. Got a statement in the mail that I had a {$3000.00} courtesy check that was made on the account. I called XXXX numerous times and they told me that they would take care of it. Recently, I received a letter from First National Collection Bureau , Inc stating that I have a {$11000.00} balance/judgment with them. I called them. They told me I was taken to court in New York back in XX/XX/2005 ( I was living in Florida at the time and never received notification of any court proceedings against me ). I contacted identity theft websites that led me to this one. They told me to get paperwork from First National ( validation information regarding the judgment ) which they never sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: MN
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 have two medical collections showing on my report from XXXX XXXX XXXX, and the original creditor for both is XXXX XXXX XXXX  As. One is for {$100.00} which shows as opened on XX/XX/XXXX. The other is for {$140.00} and shows as opened on XX/XX/XXXX. I have medical insurance, and don't owe these debts, but they're still showing on my report. This needs to be removed from my credit, as it isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My father sold his home XX/XX/XXXX. He passed away  XX/XX/XXXX. His Mortgage company XXXX XXXX sent him an escrow check for the remaining amount of {$2000.00}. I reached out to XXXX XXXX in XX/XX/XXXX to have the check re-written under the name of his estate and supplied the estate info along with his living will listing me as executor. They took almost a month to re-issue a check but sent it to his XXXX XXXX again after I had already advised them that it was closed out sortly after his passing. They had to issue another check which took another month. I received the check the end of XXXX and submitted it to my fathers Estate Account on XX/XX/XXXX. The check was returned by XXXX XXXX XXXX   refusing to cash the check. I reached out to XXXX XXXX and they confirmed the check I deposited was the correct check. I was told that they would investigate. I called again two days later ... .No response. I called Loancare again on the XXXX and was told that I now have to email proof of deposit, the returned check, and the bank statement showing the return. I sent all this info via email as instructed by Loancare on the XXXX. I received an email back stating it would be resolved in 2 business days. I called again today as I still havent received a response. I was told now that they would have more info on the XX/XX/XXXX.  This should be a simple phone call to their bank. I am getting the run around from this company for months now. My father estate account is now over draft by roughly {$180.00}. I have already incurred {$12.00} in bank fees due to their error. I was advised by the bank  that their may be more. I do not have funds of my own to deposit in order to prevent the account from being closed. I have invested hours of my time to resolve this issue and it doesnt seem like its possible with this 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 2018-03-07
Company: EQUIFAX, INC.
State: NY
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:
this account was never late and was paid in full has of XX/XX/XXXX XXXX XXXX CRE Account Number XXXX Account Type loan Terms M XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$350.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address P O BOX XXXX, XXXX XXXX, XXXX, VA XXXX XXXX XXXX Account Original Creditor - Company Sold-to - Original Amount - Comments -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: HONOR FINANCE, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  was a company that provided sub-prime auto loans in Illinois and several other States. During the years of XX/XX/XXXX to and through XX/XX/XXXX they engaged in deceptive, fraudulent and illegal debt collection practices as they preyed upon unwitting previous customers. XXXX XXXX XXXX through the use of XXXX XXXX XXXX XXXX and XXXX XXXX ( Honor Finances General Counsel ) engaged in the practice of debt collection, on XXXX XXXX XXXX behalf, without being licensed to do so. The actions of XXXX XXXX XXXX  ( XXXX XXXX & XXXX XXXX  ), Honor Finance, XXXX XXXX XXXX XXXX   and XXXX XXXX  can best be described as THEFT by DECEPTION.

I have submitted a complaint through your department regarding XXXX XXXX, CPA and it has been confirmed by your office that he is not nor has never been licensed to engage in the practice of collections in Illinois or any other State. Honor Finance facilitated the fraudulent & illegal collections activity and under the supervision of XXXX XXXX and XXXX XXXX at Honor Finance, XXXX XXXX  would collect payments by check & credit cards and submit the funds back to the offices of Honor Finance. In many cases these payments would come in as a result of wage garnishments that were initiated by XXXX XXXX, CPA and processed by XXXX XXXX, General Counsel for Honor Finance.

XXXX XXXX XXXX  states that they have no relationship with XXXX XXXX  and that these old accounts were purchased by himalthough hes not a licensed debt collector. Given the fact that XXXX XXXX had a personal username and login to Honor Finances proprietary computer system in addition to a personal login to Honor Finances XXXX account to access customer credit reports ( PRIVATE/CONFIDENTIAL/PERSONAL INFORMATION ) and also personal logins to Honor Finances skip tracing programs, its hard to believe that he had no relationship with their companyhe spent more of his work day on Honor Finances customers than he did on his own.

All accounts, by virtue of XXXX XXXX lack of having a debt collection license, were being fraudulently and illegally collected upon. The most egregious act that these individuals perpetrated against these unwitting consumers was collecting payments and not applying them to any believed debt that they thought they owedthe funds were collected and pocketed by these individualsTHEFT! There are customer scenarios where customers cars were repossessed and sold and the sale proceeds were never applied to their accountsTHEFT!

My allegations & accusations are from first-hand accounts and Im more than willing to meet, discuss and provide any supporting information that I have. In meeting with your representative in your XXXX XXXX  office, he urged me to follow up with your office after he had a chance to review the documents I had regarding XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX, after a car accident, I paid a portion, insurance paid a portion for car repair and rental of car. In XX/XX/XXXX Regions Bank began issuing a bill for the car rental. I have paid some on this bill, even though I do not believe I own this bill. The bank has been billing for this, since XX/XX/XXXX. The amount now due in XX/XX/XXXX is {$910.00}. I talked to the local bank branch, they could not resolve this issue. I sent a letter to the Regions Home Office in XXXX or XX/XX/XXXX. I did not receive any reply from Regions Bank.

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 2018-11-09
Company: C/C Financial
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased furniture XX/XX/XXXX for {$1100.00}, and the retailer ( XXXX XXXX, XXXX, WA ) informed me that I could pay off the loan anytime for a {$25.00} penalty. Made payments per agreement for 3 months. Contacted XXXX  XXXX to payoff and was informed that I had missed the 90 day payoff window and the amount due has now DOUBLED. 

I have attempted to resolve with XXXX XXXX. I emailed them XX/XX/XXXX, called XX/XX/XXXX, called XXXX and was promised by XXXX XXXX that I'd have a return call from a supervisor within 48 hours ( never happened ), called XXXX six times, was transferred by to fax/modem screeching sound each time. 

All I want to do is payoff the account.

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 2018-11-09
Company: Freedom Mortgage Company
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I keep getting calls from my mortgage holder Freedom Mortgage. They call my phone as well as my wifes phone several times a day. And sometimes Im Sunday. 

I want them to stop.

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 2018-02-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX  XXXX XXXX is reporting a tax lien on my credit report that has been paid and the lien has been released. Each time I have attempted to dispute this information and provide a lien release document, equifax has required me to prove my identity through a method where I must answer questions that they say are identifiers that have been gleaned from my credit report. The questions are NOT FOR ME. NONE OF THE QUESTIONS MATCH ANYTHING THAT WOULD RELATE TO ME. When I answer " none of the above '' I get an error message stating that I can not be identified thus I can not be helped. This, in my belief, is being done to deter me from disputing this erroneously reported derogatory occurrence. 

I would like this resolved so that I can provide them with proof of my proper lien status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Coinbase, Inc.
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/, XXXX XXXX, I did purchase {$100.00} USD of ETH, {$100.00} USD of BTC, as well as {$100.00} USD of LTC. Approx. 6 days later on XX/XX/, I purchased another {$100.00} USD of LTC and {$200.00} USD of BTC. On XX/XX/ at XXXX while on Coinbase 's XXXX page I click a link ( never again ) which took me to my coinbase account. This person who I believed to be a Coinbase employee told that Coinbase was giving users who sent XXXX ETH to them XXXX to XXXX ETH back. I then tried to login to my account. Coinbase sent me at least three or four 2FA authentication codes, which I thought were a distraction. I never logged in. My email app appeared out nowhere with an email asking to authorize the Coinbase app. Since I authorized the app my account has remained locked. They say they are refunding me for {$100.00} USD of LTC and {$200.00} USD of BTC. However, They never told me anything about the coins I have in a wallet on there site. I had a reasonable expectation that my coins would be safe at Coinbase. I truly believe that employees of Coinbase are SECRETLY scamming the American public out of their money. I expect and pray for a full refund or have my account reinstated. Advice to all consumers : Learn all you can about scams on Coinbase. AND REPORT ALL SUSPECTED CRIMINAL ACTIVITY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Experian Information Solutions Inc.
State: GA
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 submitted several disputes with the credit bureau for validation of alleged accounts as the Bureau reports that they supposedly belong to me. 

These accounts are reporting negatively on my credit report. I initially started the dispute with this Bureau on XX/XX/2017 via certified mail and I have submitted a dispute every 31-35 days asking for them to provide documentation that validates these alleged accounts. In each dispute attempt I specifically asked the Bureau to provide me the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. The Bureau keeps saying the account is verified, but never produced any of the information requested. 

I am quite displeased with the false reporting, and Bureaus verification method which is faulty and even when specific information is requested ; as supported by law, the bureaus that still insist on violating the law and our rights. This Bureau is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.

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