BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-08
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am waiting to file bankruptcy to restructure my personal credit card debt. XXXX XXXX has been calling my XXXX-year old mother-in-law, who lives in XXXX alone about my personal credit card debt. She tends to worry and panic and every time they call to harass her it makes her very stressed out and worried. My husband and I live in XXXX. XXXX XXXX has been harassing her and calling her twice a day for the past few months. I never gave her information to them and I am not sure how they decided to start calling her. She is an elderly person and should not be subject to their repeated harassment and violation of debt collection practices when contacting a third-party. With them harrassing her twice a day these past few months, who knows how much personal information they have given her without my consent or knowledgement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
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: Account information incorrect

Complaint:
Experian I have sent several letters, the last one more than 90 days ago, to Experian requesting them to delete an account that is not mine, and they have not.

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 2018-04-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed.

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, XXXX XXXX has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011.

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
There was two of my accounts that got shutdown by Key Bank my hassle free savings account and my XXXX XXXX account. The first one is information from my laptop, as I have saved screenshots of the transactions that I took this morning on XX/XX/XXXX. 
On XX/XX/XXXX they had deposited {$4000.00} from a check that my friend XXXX XXXX has sent me in the mail that went into the hassle free account. Her son XXXX XXXX had tried to send me {$8000.00} on XX/XX/XXXX but they never went through, as he got his money back just recently. In the XXXX XXXX checking account the other checks that XXXX XXXX sent me was deposited on XX/XX/XXXX as the total amount on the checks that went into that account was for {$3200.00}. Recently XXXX XXXX has notified me that on her side from her XXXX XXXX bank that the transactions went through without any issues and so there is someone at the Key Bank Corporate Office that has placed a block on my account and has not returned the funds back to XXXX XXXX? Last night I read about the 408 complaints that Key Bank has, as they are mostly from older people and poor people like myself. Right now I want to see about starting some kind of investigation against the people working in the corporate office, as most of those 408 people have lost money from Key Bank. Plus I would like to file charges and take Key Bank to court for the actions for what they did to me, as I have evidence in pictures and those screenshots of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Recently I pull my credit report and was surprised to see how inaccurate furnishing of information was damaging my credit score. After disputing the inaccuracy with both the furnisher and the reporting agencies, nothing has changed. The information I provided was valid and clearly shows inaccuracies being reported but the agency said it's accurate. It's alarming how you can clearly see inaccuracies yet nothing was done to correct or delete the information.

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 2017-12-08
Company: Admin Recovery, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX 2017, I was in credit card debt and could not pay my monthly expenses plus the household bills. I enrolled in a debt relief program with XXXX XXXX XXXX and they took all of my outstanding debt and are helping me resolve/satisfy with my creditors. I sent written notices to all of my creditors indicating that they are to contact XXXX XXXX XXXX and provided their address and phone number regarding the outstanding debt. 
My credit card with XXXX XXXX XXXX was one of the accounts in the program. They use Admin Recovery LLC as their collection agency. Numerous calls and most recently yesterday XX/X/17 they contacted my XXXX sister looking for me and also my nephew on his cell phone. How is this legal that these companies can contact family members with my personal business that I do n't want anyone to know about??? The phone calls are borderline harassment and I just left a detailed message for the contact person at Admin Recovery XXXX and advised to no longer contact my family members or myself and they need to reach out directly to XXXX XXXX XXXX and provided their contact information.

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 2019-01-28
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I did not have any service on XX/XX/2016. My XXXX XXXX chart shows the date for XXXX XXXX XXXX as XX/XX/16. The itemized statement for XX/XX/16 shows as {$0.00} due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRUIST FINANCIAL CORPORATION
State: IN
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:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit 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 2019-10-22
Company: Experian Information Solutions Inc.
State: NV
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: Investigation took more than 30 days

Complaint:
Please reverse the late payments reported on the following accounts : XXXX  XXXX XXXX XXXX and XXXX   XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-01-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My FHA mortgage loan is currently serviced by Chase Bank. They have set a foreclosure sale date of XX/XX/XXXX on my property. Chase Bank claims that the total amount past due is {$37000.00}. The alleged claim is for 36 payments. Chase Bank issued a trial loan modification offer in XX/XX/XXXX, setting then monthly payments at {$1200.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( exhibit A ). Chase Bank has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Chase Bank refused to the process the initial {$1200.00} payment as well without explanation. Chase Bank is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the XXXX XXXXXX/XX/XXXX of XX/XX/XXXX. 

Chase Bank has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX formerly XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my 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 2018-06-06
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today XX/XX/XXXX I called a number that was left as a message for me on my cell phone from the previous day. When I called the number and after giving my information the woman stated that I was not to have been given that number but that she would assist me. After placing me on hold she then read me my file that stated they were sending me a summons to my home address for a debt from US bank from XX/XX/XXXX. It was in regards to overdraft bank account. I explained I had previously taken care of this debt in XX/XX/XXXX-XX/XX/XXXX. She replied " yay right. '' When I asked why this was just now being pursued after 11 years she stated that it will be 10 years this XXXX and that the state of Illinois sets that statute. I explained that I had not lived in Illinois in 11 years and I had not heard anything of this debt since it had been taken care of. I also looked on my credit report and there is nothing of an outstanding debt noted on that from the 3 reporting agencies. She told me good luck fighting this and that I would have to fax the information today or I would have my day in court. The total sum she stated that would be garnished from my account would be upwards of {$2000.00} after attorney fees for a balance that she stated was $ 700+. I had settled this debt for a sum of {$550.00}.

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 2019-01-28
Company: Shellpoint Partners, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Shellpoint Mortgage Company Keeps Harassing Me No Matter What I Tell They Sending Letters They Said To I Was Dead Then They Send Me A Letter Talking About I Have To Go To Court Then They Turn Around And Send Me A Letter Talking About I Owe Them {$100000.00} Dollars And I Don't Know What They Talking About

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: MS
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:
Account Name : XXXX  Account Number : XXXX Balance : {$9400.00} Late payment dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$87.00} Late payment dates : XX/XX/XXXX and XX/XX/XXXX I do not recall being late in those months. I remember receiving my statements late for the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or about XX/XX/2020, I received notice from XXXX XXXX that my credit score had changed. Nothing had changed about my payment history or accounts, so I logged in, hoping that the fact that my bankruptcy, now about 10 years old, had fallen off of my report and would improve my credit score. Instead, what I found was that there was one solitary change to my credit report, that the bankruptcy had fallen off, and that my score had FALLEN by 44 points with TransUnion, and 34 points with XXXX. There were NO other changes. I called each of the companies to ask why my score would have fallen and fallen SUBSTANTIALLY when the only change to my report was a positive one, the removal of a 10-year-old bankruptcy. Note, my husband 's score, and he shares virtually ALL of our credit history, went up XXXX XXXX points. I do not understand AT ALL. This makes no sense. So I spent hours on the phone calling both of the companies, asking how it could be that the removal of a negative event, flagged as yellow or red on the reports for the high impact it should have had on my credit, should result in the largest drop I've seen in my credit ever. XXXX is sending me a copy of my report so I can review it, but based upon the information in XXXX XXXX, I don't anticipate seeing anything incorrect as to the records, only this completely illogical result in my score. Please help. This should not happen. It's completely unfair and I'm trying to buy a house.

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 2019-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have two mortgages with Bank of America. I have been trying since XX/XX/XXXX to refinance both of them. The loan # s are XXXX at 8.99 % and the other XXXX is interest only right now. They total XXXX. Due to circumstance I have fallen behind on payments. I also have first mortgage with a different lender XXXX which is XXXX current and escrow is also current. I have a high debt to income. I do not want anything taken off. I want to pay all I owe. I would like them to combine at thirty years with a lower interest rate. Right now anything I pay they take as interest and late fees. They have sent me several packets I fill out the paper work and fax it back. So far I faxed it back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. All I receive back are robo calls? 

Please help with this situation. 

Thank You 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 2018-04-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been struggling to repay a private student loan for over 8 years. I have been contacted through Navient and two account recollection companies during this period of time and because of the type of loan it is, have not been able to get any type of relief or anything. I have been in flux with employment and it seems that the private branch of Navient and one of the account recollection companies do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This company has contacted me twice. As you can see they've used my name, social security number, and signed my name without my permission. They've sent two letters to me without any indication of what I owe them, from what company or any other data. This is a scam of a company. See below and attached to view the information and letter I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: AL
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:
Equifax ; XXXX  and XXXX  are reporting multiple inquiries on my credit report that do not belong to me. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report along with a copy of my drivers license and SSN for reference. ) These multiple inquiries belong to someone else and are reporting in error. This false reporting is seriously harming my credit score and these inquiries need to be removed from my credit report. 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 these inquiries however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2021-04-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
They have {$1000.00} hold on our bank account XX/XX/XXXX and I can't afford that amount going out, I am married but separated and the only reason I am on this bank account is to make the mortgage and car payment for my husband because he is an XXXX XXXX XXXX XXXX XXXXXXXX  and he is only home one day a week. I have no income coming in myself, I have been fighting to get XXXX for 4 years now with no luck, I can Not work and my husband is only staying married to me so I can have medical insurance. I am XXXX years old and I clean his house and do his laundry and cook for him when he is home for room and board. But again I have no income in my name. I was making payments to the Dr. himself and he said I wasn't paying enough money so he turned me into collections, I didn't realize I had signed a contract with him because the day I signed the paper I was under duress from having to put my XXXX year old dog down that same day, I thought I was just signing the sign in  sheet. Also he tried to bill my insurance company twice for the same XXXX, once under the clinics name then again under his Dr. name. XXXX was XX/XX/1018.

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