BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Applied and received a locked Loan Estimate on XX/XX/2020 with {$5100.00} in Origination Charges and {$8400.00} in Lender Credit. Received a Closing Disclosure on XX/XX/2020 with {$6100.00} in Origination Charges and only {$390.00} in Lender Credit. Lender also ran my credit without my authorization on XX/XX/2020 and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have mailed Certified and Certificate of delivery letters to Blakely Witt Requesting Debt Validation but the company never responded. I have also file a complaint with the XXXX XXXX XXXX. The Company keep Verifying a Balance on my CR but never sending documentation to myself to support their claim. In this case the debt should be removed because according to Texas State Laws and the Fair Debt Collection Practices Act the debt has reached the SOL from original delinquency date Dating back to XXXX from Original Creditor. Also, Blakely-Witt & Assoc. do not have the right to collect in the State of Texas. According to the State of Texas no debt collector can collect unless they are registered by the state. I have also requested Validation that I am liable for the debt and I requested Blakely-Witt provide an agreement with the Creditor that authorizes the company to collect on said debt. This has been an ongoing process and Im terribly exhausted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I called on Friday, XX/XX/2021, to make my payment. Every person I spoke to refused to process it. A few of the representatives we're XXXX id # XXXX, She transferred me to XXXX at XXXX id # XXXX, then XXXX id # XXXX, and finally XXXX at XXXX. After being bounced around as usual and extended hold times, I decided to call the number of XXXX id # XXXX. He called and processed my last made payment on XX/XX/2021 after your company took almost 60 days to respond to my last complaint in XXXX. The number he gave me and told me was his direct line turned out to be just the HELOC line which obviously is of no help. Finally I called the number XXXX and ext. XXXX for XXXX XXXX, who is supposed to be my contact for issues after my last complaint in XXXX. The message says " she is at home '' and does not even allow me to leave a message ( not very professional or helpful to say the least ). I then called back XXXX which is the number for the Office of the Customer and left a message on the general mailbox stating that I would file this complaint today, again, unless someone called me today. Nobody called so this is my only option. I will continue to file these complaints if nobody is capable of processing my payments. I'm just trying to pay a debt here, which has already been charged off. Worst customer service I have ever experienced in my life, bar none.

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 2020-10-20
Company: Experian Information Solutions 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 have Unauthorized accounts & inquires on my Credit report. According to the FCRA Any Unauthorized items on my report must be removed if not 100 % Accurate & Verifiable. Please Remove this From my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My complaint is lack of service. I Tried to call them on XX/XX/20 about a {$27.00} late fee but they only have a recorded message and automated system. They should be fully staffed even during COVID. My company has their customer service people taking calls from home. It is ridiculous that you can not contact a company to discuss a problem. 

I have been a loyal customer for years. I missed making a payment due to too many emails. I wanted to ask them to credit the late fee and how to stop all of their emails other than the ones with my statement. I also wanted to know if I could set up notifications to alert me that a payment is due. They send one email with your statement and that is it. They also send emails about rewards and other things that I ignore. I ignored the statement by mistake. 

They did not even send an email that I had missed my payment. I discovered it on my own. 

My hours have been cut back due to COVID and I am struggling to make necessary payments and not ridiculous late fees. I am not a deadbeat.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had ( 3 ) bank accounts with Key Bank ; ( 2 ) Key Gold Money Market Accounts and ( 1 ) Key Privilege Checking Account which were established by a " Financial Wellness Consultant '' under the supervision of the Personal Banker Manager at the XXXX XXXX Branch ; for the expressed purpose of creating a " Key bank Relationship '' among these accounts which directly and contractually qualified for a special " Relationship '' interest rate. 

When I attempted to cash a check, the branch refused due to the implementation of an " additional identification measures '' internal to just this Bank and not mandated by the Federal Government or any entity thereof. Their system failed at no fault of mine ( they admit so in a letter dated XX/XX/2020 from a XXXX XXXX XXXX Client Relations ) and despite their admission, offered only an apology for the inconvenience and the assurance that the branch will be dealt with. 

Nonetheless, I closed all ( 3 ) accounts in accordance to the terms of the agreement and stated that I would never ever do business with Key bank again.

Upon closing, rather than receiving the " promotional rate '' from the last statement thru the closing, the bank instead paid interest at the non relationship rate ; in affect, shorting me nearly 1 full month of interest by nearly 1 % ; which in today 's low interest environment, is a huge discrepancy. All is ask is that this bank lives up to its own  regulations and contractual obligations by paying what it owes instead of requiring me to continue to fight, fight, fight for the dollars rightfully mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22
Company: Collins & Hilton Asset Group, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The agency " COLLINS ASSET GROUP , LLC '' acting as a 3rd Party Debt Collector has sent multiple notices attempting to unlawfully collect on an alleged debt has provided no proof of claim, or certified contractual evidence signed between both parties proving your agency is in fact the Original Creditor, Owner, Servicer, Lender, Assignee, or Holder in Due Course of the alleged debt. The actions of " COLLINS ASSET GROUP , LLC '' at this time are in clear violation of the [ Fair Debt Collection Practices Act Section 805 ( a ) ] [ 15 USC 1692c ] as no prior written consent or permission has been given to your agency granting the right of communication in connection with this alleged debt or any other matter in fact. Furthermore, the agency " COLLINS ASSET GROUP , LLC '' has deliberately ignored a formal notice and DEMAND TO CEASE AND DESIST all communication made pursuant to the [ Fair Debt Collection Practices Act Section 805 ( c ) ] [ 15 USC 1692c ] which was delivered by way of USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX on Saturday XX/XX/2020. In addition, " COLLINS ASSET GROUP , LLC '' has unlawfully and void of contract furnished inaccurate information to multiple Credit Reporting Agencies, thus violating the responsibility and duty to report accurately pursuant to the [ Fair Credit Reporting Act Section 623 ( a ) [ 15 USC 1681s-2 ]. Based upon the facts and evidence provided herein a claim will be immediately filed in Federal Court against " COLLINS ASSET GROUP , LLC '' for Civil Liability pursuant to all applicable law. All rights are hereby explicitly reserved without prejudice and without recourse in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any, and all fraud alerts from my Experian Credit Report. I've tried to upload the form, front ID scan, and my bank statement as proof of address many times to the upload portal but am unable to.

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 2020-09-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT MIDLANDMCM XXXX MIDLANDMCM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLANDMCM XXXX MIDLANDMCM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications  and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : 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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX IS KNOWINGLY AND FALSELY REPORTING THAT THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX TO XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXX TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO TRANSUNION THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO XXXX THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XXXX XXXX XXXX. THAT IS A LIE THE ACCOUNT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXXTO THE CFPB.GOV THIS IS NOT A MISTAKE. XXXX IS TRYING AND HAS SUCCEEDED TO DESTROY MY CREDIT WORTHINESS. THEY HAVE DONE THIS MANY TIMES TO MANY PEOPLE. THIS IS THEIR BUSINESS MODEL. BUY OLD ACCOUNTS REPORT LIES BY RE AGING ACCOUNTS. TAKE THEM TO COURT FALSELY. THEN DROP THE FALSE LAW SUIT. THE ACCOUNT IS RE AGED TO COME WITHIN THE TWO YEAR MARK TO DESTROY YOUR CREDIT.

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 2020-07-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting a past due balance of {$570.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility bill for identification purposes. ) There was a torrential downpour which caused the vehicle to be totally flooded and consequently deemed a total loss. I had GAP insurance at the time and the vehicle was covered by Insurance. This account needs to report a {$0.00} balance and the coding needs to be corrected. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-09-25
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The house shows a volunteer repo i never agreed or received anything that the home was being foreclosed. I had a buyer at the time went to look at the home and had locks on the doors. Wired the full pay off balance from my back account and still shows a repo on my credit report when it should be a paid account. I am attaching files of where the money was paid by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: ID Analytics, Inc.
State: CA
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:
Hello, I applied for an auto loan XXXX and was denied because i had a frozen credit at XXXX  and did get approved for a loan. My credit score for the 3 credit agencies run about XXXX. Then apparently a company named SageStream , LLC gave me a XXXX score? My issue is who are they and why do they have my person information? I am unaware that there is another or a new credit agency. I tried to call them but was unable to talk to an actual human. ( im sure by design ). I do not want to deal with them in the future and to freeze my credit with them I need to give the my personal data along with personal documents? please explain why this i happening? I have not given them any permission to handle my personal info and grade my credit score. Please turn them off! Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I filed a complaint against the three credit bureaus back on XX/XX/XXXX through your portal under the following complaint ID numbers : ID FOR COMPLAINT SENT TO XXXX   XXXX, ID FOR COMPLAINT SENT TO TRANSUNION XXXX, ID FOR COMPLAINT SENT TO XXXX XXXX. 
The results that came back was that the following addresses were going to be removed : Transunion - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX - XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX - XXXX XXXX XXXX CT XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN 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 2020-07-06
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent several dispute letters to the credit bureau for the following account but still have not received any response from them. It is more than 45 days since I sent my last dispute letter. 
XXXX XXXX  Account # : XXXX ( XXXX  , XXXX, TU ) XXXX  XXXX  Account # : XXXX ( XXXX, XXXX, TU ) XXXX Account # : XXXX ( XXXX, XXXX  , TU ) XXXX Account # : XXXX ( XXXX  only ) XXXX Account # : XXXX ( XXXX, XXXX, TU )

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 2020-05-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The servicers in question are XXXX XXXX XXXX XXXX XXXX, XXXX, and Heartland ECSI. 

Loan servicers Heartland ECSI and XXXX have misplaced funds totaling {$6500.00} that is owed to me. 

On XX/XX/2020, I applied for a consolidation of a federal XXXX loan held by the XXXX  XXXX XXXX XXXX and serviced by Heartland ECSI, and selected GSMR as my servicer. 

On XX/XX/2020, I paid the XXXX loan serviced by Heartland ECSI in full, as I never heard from Navient about my loan consolidation. 

On XX/XX/2020, weeks after the loan was already paid in full by myself, Heartland ECSI received a payoff from XXXX, thus meaning that I had a credit of {$6500.00}. The same day, Heartland transactions show a debit of that same amount, but with no details. A customer service agent claims that Heartland refunded the money back to XXXX. However, XXXX went ahead with the consolidation and pushed the loan to XXXX XXXX XXXX XXXX XXXX, which had a loan balance of about {$6500.00} added to it, which is a new liability for me although I paid the XXXX loan in full already on XX/XX/XXXX. 

On XX/XX/2020, I called XXXX, and they know nothing about a refund from XXXX. Heartland claims they can not provide documentation to prove it was sent to XXXX, so XXXX will not give me my money back or look into it. Heartland has not sent me any official paid in full documentation or otherwise. Heartland has not provided any timeline or support in getting me documentation of this alleged transfer of money back to XXXX.

Company response to consumer: Closed with explanation