BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-11
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had a loan with Key Bank which seemingly they became the holders of. There were either three other holders before them, as I recall. The loan was paid off back in XX/XX/XXXX. I have not received my original ( not copy ) proprietary lease, and share of stock. Nor have I received proof of payoff which would include a XXXX termination notice. I received only a blank XXXX with no property address or termination stated thereon and my name was incorrectly spelled. These are the collateral for the loan which originated with XXXX XXXX XXXX in XX/XX/XXXX. Furthermore I have not received my recognition agreement, or complete loan documents. I have been calling them and complaining about this and have got finally just an incorrect XXXX, and a copy ( emphasis added ) of the adjustable rate note, loan security aggreement, and RESPA statement. 
I have told them that absent the original shares of stock and proprietary lease, and a completed filed XXXX termination notice from the county I can not sell the apartment, or do anything. Six months is more than enough time to have all this done as the original documents should have been provided to me no later than XX/XX/XXXX, and the XXXX should have been sent no later than three months from closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: NY
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:
After reviewing my credit report on Equifax, XXXX  and XXXX, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
INQUIRY DETAILS : XXXX XXXX XXXX Date : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2022-08-09
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$18000.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/20 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything from these accounts such as money, goods, services or any other benefit from these accounts that were opened without my consent ; I never made any payments or purchases with these accounts and I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is Portfolio Recovery they call way to often at least 5 to 6 times a day on both my phones. I had two XXXX XXXX Credit Cards each using a different number I think this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
On XX/XX/2020, my Fico credit score decreased due to inaccurate information. American Express has incorrect balance on my credit report and fails to report my updated correct balances to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, we've paid {$58000.00} on an FFELP loan that originated in 1995 for {$30000.00}. The problem is that we STILL owe {$47000.00}. Only {$11000.00} has gone to principal and we will soon have to start paying $ XXXX+/mo again after having paid our entire adult life on this loan. We were talked into consolidating our loans early on and that disqualified us from programs such as the PSLF and other programs throughout the years. When we were working for XXXX and earning very little money, we were told to take deferments and forbearances. We were young and didn't understand that we should have challenged this and requested income-based repayments. The result has been an avalanche of fees and interest that have followed us our entire lives because we never seem to earn enough to pay the full monthly, amounts, so we keep paying partial payments which creates rolling negative marks on our credit and which also do not pay down our principal. Our loan servicer has been XXXX XXXX ( became Navient ) and we have contacted them several times to request forgiveness for some of the interest/fees that accumulated over the years and they've always refused. We even had someone who was willing to pay off our balance and give us a private loan if we could get the total reduced, but Navient refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: IA
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:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : Experian, XXXX, XXXX, Clarity Services ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

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 2023-03-15
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Credit acceptance is the company that I lease a car with back in XXXX. I voluntary gave the car back because I could not handle the loan and they have not updated the balance on my credit report with the actual balance that is owed after the vehicle has went through the auction. They charge high APR rates and leave their customers to struggle.

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 2023-04-13
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: NJ
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:
I am a victim of identity theft and did not make these charges. I would like to ask that the items be removed to correct my credit report. 
I reported the information of identity theft to the Federal Trade Commission and I have also provided copies of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to pay off the balance of my credit card for my capital one credit card on XX/XX/12, this payment has since posted to my credit card account and they have deducted that amount from my current balance, and my bank as well has posted the payment as sent and amount deducted from the active balance. To the day Capital One still has my payment on hold until at least 7 days from the date I paid it with the claim of ensuring the payment is received, even though they have acknowledged receipt of payment by posting the payment to my account and deducting that amount from my balance, and sending me an email they have received the payment and it has been posted. Their claim is contradictory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
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: Information belongs to someone else

Complaint:
While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: General Motors Financial Company, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX located in XXXX va has gotten a hold of my number and I never gave my number to them which is wrong. they calling about the gm financial debt that I have tried resolving with gm financial but they never called me back, this XXXXXXXX XXXX is attempting to collect a debt in the midst of a crisis which WRONG!!!! I told them I can pay {$30.00} a month only and they tell me that's not going to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have submitted multiple disputes and FTC regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-02-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. I DONT KNOW WHAT TO DO SO I AM WRITING YOU GUYS, HOPING I CAN GET SOME ASSISTANCE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I noticed unauthorized inquiries had been made by different companies below. I contacted them all already and asked them to remove their credit inquiry from my credit profile. I am request that you initiate an investigation into each inquiry on my credit report to determine who authorized the inquiries. If the companies can not provide a actually sign contract or piece of paper of my signature authorizing each inquiry, I need them to remove each inquiry from my credit file and send me an updated copy of my credit report. 

XXXX XXXX  -XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  -XX/XX/XXXX XXXX -XX/XX/XXXXXXXX XXXX   - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  -XX/XX/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
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: NC
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 am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571.

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 2021-05-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX I wired {$2000.00} to family member in XXXX from a td branch. I paid {$50.00} for the transaction which brings the total to {$2000.00}. When I checked on the status on XX/XX/XXXX, i was told it had been processed and sent. The recipient never received it. On XX/XX/XXXX, XXXX was returned to the account with no explanation. I contacted the bank, i went to the branch, no one seems to be able to assist me. Apparently, TD sent only the equivalent of {$1800.00} the receiving bank in XXXX rejected the transfer because it was incorrectly noted as {$2000.00}. I have attached these receipts. The agent who helped me on XX/XX/XXXX did his own exchange and incorrectly noted that the exchange rate was XXXX XXXX for {$1.00}, when it should have been {$88.00}. TD deducted XXXX from my account and they need to make me whole for the remaining portion that they deducted and did not send and therefore could not be returned.

Company response to consumer: Closed with explanation