BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Santander a few times to request removal of PMI, as my current outstanding balance reached the required level to qualify for the PMI removal. As of XX/XX/2022, t

he LTV ration yields 77.53 % where the PMI should be automatically removed. However, the communication I received states that in order to qualify for PMI removal at this time I have to order appraisal which I will also have to pay for ( over {$400.00} ). And it also states that it does not guarantee the PMI removal. In the market where the real estate prices have been increasing, I do not believe this is reasonable. Especially provided that the LVT at this time is below 78 % of the original value.

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 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2017-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this card was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: EQUIFAX, INC.
State: IL
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:
According to the FCRA, this isnt an account pursuant to 1681 ( a ) ( r ) ( 4 ), therefore this error should be removed. Your company is overlooking this important aspect of my reason for my dispute which your company has fail to verify now Im requesting physical evidence from your company. Im not looking to sue your company just looking for the most accurate complete data in my file. 
Please send me the proof that I gave any outside agency the permission to report any accounts OR NON ACCOUNTS please provide me with verified and valid contract on file that i have with XXXX XXXX XXXX ACCT # XXXX iVE ASK XXXX FOR THIS INFORMATION AND THEY DELETED THIS OFF MY CONSUMER REPORT i HAVE ASK EQUIFAX ON MANY DIFFERENT TIMES AND THEY HAVE REFUSE TO DO SO AND THEY KEEP TELLY ME THE CREDITOR VERIFIED THE ACCT BUT WILL NOT PROVE TO ME THAT IT HAS BEEN VERIFIED. EQUIFAX IS REFUSING TO FOLLOW THE FCRA I TALK THEM EQUIFAX ON THE PHONE AROUND XXXX XXXX XXXX AND THEIR AGENT TOLD ME THEY DIDNT HAVE THIS INFORMATION FROM XXXX XXXX XXXX IN THEIR FILE EQUIFAX OVER THE YEARS WHEN COME TO MY CREDIT HAS REFUSED TO VERIFY DATA BEFORE THEY PLACED ON CONSUMER REPORT : Under Section 607 of the FCRA you Must ensure the highest possible Accuracy of the information contained On my credit report. You have not Complied with this under provision of 15 USC Section 1681i in the FCRA, I am Demanding that this item be deleted From my credit record. 

EQUIFAX HAS CONTINUED TO BREAK THIS LAW OF FCRA THAT YOU SEE ABOVE I HAVE PROOF OVER MANY MANY YEARS ON HOW EQUIFAX CLAIM THE RESEARCH OR INVESTIGATED AN ALLEGED ACCOUNT AND THEY HAVE NOT. EQUIFAX HAS ALLOWED ANY COMPANY TO POST DATA ON MY CREDIT CONSUMER REPORT UNVERIFIABLE EQUIFAX HAS NOT READ THE TERMS OF THE FCRA AT ALL BECAUSE IF THEY HAVE THE TERM ACCOUNT CLEARLY STATE WHAT AN ACCOUNT IS AND WHAT ACCOUNT ISNT EQUIFAX HAS REFUSED TO DO THEIR OWN RESEARCH INSTEAD OF RELAYING ON DOING A DEPTH RESEARCH BECAUSE IF THEY WOULD READ THE DISPUTE THEY WOULD COME TO VERY EASY CONCLUSION THAT XXXX XXXX XXXX IS BREAKING THE FCRA AND FCBA AND FDCPA. EQUIFAX HAS REFUSED TO FOLLOW THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, I had a bank account with XXXX and they sold the division my account was with to Citizens Bank they started the transfer of the bank accounts in XXXX, I was supposed to debit card at the end of XX/XX/2022. The accounts would be officially transferred to Citizens Bank on XX/XX/XXXX they were but I couldn't get into my account for days then I called and the line has been busy every since, then I call the lost card line and was told on XX/XX/2022 that I would get a XXXX of my debit card sent to me in 2-days, I have not gotten that card yet. Basically, I have no accessbiility to my money for over a month and 1/2 and the bank isn't offering any messages online to state what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi I received two letters in the mail from different banks saying that they were unable to approve my request for a credit card. Someone has stolen my identity because I have not applied to any one of these companies for a credit card. 


XX/XX/2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: Century Credit & Collections, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a letter from Century Credit and Collections requesting {$260.00} from a medical bill of {$170.00}. I never received the medical bill so this is the first time I am hearing about this charge.I was moving and there was an issue with the postal service at that time. I called on XX/XX/XXXX and I spoke to possibly XXXX and asked her to drop the extra charges since I never received a medical bill and this is the first time I am hearing about charge. I told her the extra charges are unfair and she directed me back to the medical clinic. The clinic said they mailed to my new address the bill three times. Maybe its because I moved and there was an issue with my mail I did not receive any of the bills. I asked to pay the amount due and not the extra charges. The medical clinic referred me back to the Century Credit and Collections on XXXX and I spoke to XXXX XXXX. She was bargaining with me and said she can settle the account for {$230.00} when the total charges were {$260.00}. I asked her to be humane and drop the charges since I had an issue receiving mail and it was not my fault. I had all the good intentions of paying the bill. She said I have to pay the {$230.00} today or she threatened to report me and damage my credit if I do not pay. I asked her to speak to her supervisor and she refused to let me negotiate. The letter said I had 30 days to contact the agency but she was giving me only one day before she damaged my credit if I do not pay. She also refused to let me speak to supervisor and let me know my rights. She just hung up on me without trying to find a solution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
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:
On XXXX XXXX, XXXX I received notification that the following was written to my credit : CARRINGTON MORTGAGE SE has flagged your account as Loan Modification on XX/XX/XXXX. 

On XXXX XXXX, XXXX I called Carrington Mortgage who stated this was because my home was in a disaster area from XXXX, XXXX however I never took advantage of any of the benefits. Carrington Mortgage said it is my job to dispute this and ask to have it removed when they in fact this is a totally erroneous entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of Identity theft, XXXX XXXX XXXX  has a fraudulent credit card on my acct. XXXX XXXX and XXXX has a fraudulent loan on my profile and lastly XXXX XXXX XXXX is reporting a Fraudulent charge for someone unpaid rent. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Service Bureau, Inc.
State: NM
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:
Service Bureau Inc is reporting false and fraudulent medical information to my credit report and is in violation of HIPPA laws!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: JH Portfolio Debt Equities, LLC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For some reason XXXX XXXX has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the XXXX major credit bureaus. This is creating major issues for me, such as, higher interest rates, denial of credit, lower credit scores, and job declines. 

I disputed this account on multiple accounts with all three major credit bureaus. Starting back on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I also sent a dispute request directly to XXXX on XXXX/XXXX/XXXX. To date, XXXX continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents in their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit file. All unverified accounts must be deleted. 

Who verified the account? What documents did they use to verify the account? Where are the documents used to verify? 

The only correspondence I have received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that XXXX know they can not tie me to this alleged account, otherwise, they would have done so when I made my other attempts. XXXX is blatantly disregarding the law.

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 2021-05-11
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: Account information incorrect

Complaint:
Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute Account XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; Collection XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Around the XXXX of XXXX, i contacted PHH Mortgage to see if i could skip a month 's payment due to the hurricane devastation in our XXXX Texas area. I was told about a program they had, but would have to pay all missed payments back eventually. Duh.. that was my intention. I got on the program thinking I 'd be back to paying my normal payments in XXXX, and just make an extra payment in XXXX to cover XXXX. Well, that did n't happen. Every day starting in XXXX, i got a debt collection call from PHH Mortgage about my " delinquent payment. '' And since then, I 've been receiving letters from PHH Mortgage about ( 1 ) delinquent payment ( s ), ( 2 ) ways to avoid losing your home, ( 3 ) credit score may be impacted and ( 4 ) lump sum " XXXX '' due XXXX/XXXX/XXXX ... yes that 's right XXXX! 
Through the disguise of " XXXX '' PHH Mortgage has been able to harass me daily! Through calls and mail! They have not helped me ... .they have turned a natural disaster into a nightmare. Other companies have allowed me to temporarily halt payments ... .without any harassment at all, with a clear understanding that i would return to regular payments on a given date and my owed balance would remain the same. 
PHH Mortgage seems to be using this devastation to rob me of my home and sanity!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I received an overdraft charge of {$35.00} for a transactions made on XX/XX/XXXX. But at no time on that date was my account in a negative balance. 

Bank of the West has a history of manipulating account date to extract the most in overdraft fees ; in XXXX, the bank agreed to settle a class action suit for over-collecting overdrafts for {$18.00} XXXX dollars.

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 2022-03-12
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft, XXXX XXXX XXXX  has a fraudulent credit card on my acct. XXXX XXXX XXXX XXXX has a fraudulent loan on my profile and lastly XXXX XXXX XXXX is reporting a Fraudulent charge for someone unpaid rent. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft, XXXX XXXX XXXX  has a fraudulent credit card on my acct. XXXX XXXX XXXX XXXX has a fraudulent loan on my profile and lastly XXXX XXXX XXXX is reporting a Fraudulent charge for someone unpaid rent. 
XXXX XXXX XXXX XXXXk 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 non-monetary relief
Consumer complaint received 2022-03-12
Company: U.S. BANCORP
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
US Bank reports charge off of a line of credit from XX/XX/XXXX {$470.00} from a debt of {$640.00} XX/XX/XXXXthis is still being reported on my credit report but the account was opened in XXXX XXXX, this really doesn't make sense because I paid off my car then so why wouldn't I pay oof this line of credit. 
This is stolen identity or mistaken identity

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 2022-03-12
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX a collection agency by the name of Southwest credit had placed an unknown debt collection account on my credit report with XXXX which had dropped my score XXXX. However, i did call southwest collection and spoke with a manager name XXXX about the situation. I have told her that the debt is not mines and gave her the account number from the collection information that i had saw on experian. she enters the information and tell me that the account was recently open in XX/XX/XXXX but had been closed since XXXX and i need to call the original creditorXXXX XXXX  XXXX bank which is now XXXX. Which is confusing. Anyway, She gave me the number to the XXXX fraud department and i had call to speak to numerous agents at once while putting me on hold. I was on call with them for about an hour, literally. Anyway, the agent at XXXX  had said that she dont see an account. So i gave her my social security number but nothing had came up either. The agent had told me since i have a common name, it could be a mistake and to dispute the account with the credit bureaus. I said okay and hungup. Seven days later, my report gets updated by XXXX  XXXX bank with the collection amount. So i did dispute the account with XXXX but they had told XXXX that the account is mine and XXXX didnt take the collection off my account. I had never had XXXX at the adress that they had claimed to be and, i was incarcerated in XXXX which i can show proof. And my current adress is on my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My name is XXXX XXXX and I was recently laid off because of the COVID-19 Pandemic. I filed for unemployment with the state website and was approved. I was never issued a new card issued by the unemployment program, instead, they used a card that they issued me back in 2015, which of course, I no longer have and have not used in years. The unemployment department admitted the mistake and told me to contact the bank who issued the card and I could report it lost or stolen. The unemployment department and US Bank ( issuers of the prepaid debit card ) are so inundated with phone calls, there is no getting thru to a live person and be issued a new card. This situation has put me in a financial disaster and there is almost nothing I can do about it until the phone lines are free. The unemployment department made the mistake, admitted it, and I am left to deal with it. I can not access the money that has been paid to me. I really don't know who to turn to at this point.

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 2022-03-12
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent amsher collection services a cease and desist letter by certified mail. I also attached an invoice for {$5000.00} and the exhibits to match my claim of amsher collection services violating my federal protected rights. They already admitted to guilt by deleting the collections off my credit report that they fraudulently added without my consent. I need to be compensated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I dont use this account and thought it would be closed after 90 days of {$0.00} balance. After Key Bank flat out lied in their previous CFPB response to another issue, I wanted the account closed. The customer service representative said it could not be closed even if it had a {$0.00} balance. I waited 90 days and it is still open. Thankfully, I have many choices when it comes to banking.

Company response to consumer: Closed with non-monetary relief