BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
Santander Consumer USA has been reporting randomly to the 3 major credit bureaus that my balance increases, when it should be decreasing. Ive been making my payments on time, even paying a little extra to avoid fees and interests, and my balance should not be increasing, it should be decreasing. Ive already paid to them more than 30k and my debt amount its not decreasing, theyre fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am missing a credit card from XXXX  XXXX on my equifax report which is my longest standing card and is negatively affecting my credit score. It shows on my XXXX. 
I also have a issue with XXXX  not reporting for me AT ALL. I have no score which is affecting me trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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 recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX {$5400.00} XXXX XXXX {$1900.00} XXXX XXXX {$860.00} XXXX XXXX DEPTEDXXXX XXXX $ XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX  XXXX {$23000.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$16000.00} XXXX XXXX   XXXX {$1800.00} XXXX XXXX XXXX {$98.00} XXXX XXXX   XXXX {$260.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX   XXXX {$54.00} XXXX  XXXX {$30000.00} XXXX XXXX XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 my mortgage company, Mr. Cooper, did an escrow review and incorrectly doubled my taxes. My tax bill from XXXX County, MD is yearly and Mr. Cooper is trying to claim it is biannual. They told me that I had to prove they were wrong, which I did. I had to contact the county tax department for all of the correct information. They even sent it themselves to Mr. Cooper, but Mr. Cooper refuses to respond to me. They just send an email saying it was forwarded to escrow and escrow does nothing but continue to overcharge me month after month. They now have taken {$3000.00} from me and refuse to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
KeyBank sent me credit card convenience checks ( 0 % until XXXX 2019 ) with a slip attached to the checks stating Fee : None. The accompanying letter mentioned : " with a 0 % fee for transferred balances, you can use your checks to : ... travel and entertain ... write yourself a check .... '' And : " ... for a limited time only, you 'll enjoy our 0 % fee for transferred balances using these checks! '' There is no mention anywhere of a fee for using the checks to deposit cash into a checking account. On the reverse of the letter it states : " Is this ... subject to the terms and conditions of my cardmember agreement? A : Yes, except as otherwise described in this offer. 

The offer is clearly intended to mislead and make customers believe there is no fee for using the checks in any way. To be sure, I called KeyBank and was put on hold twice, and then told that the " no fee '' provision was only for transferred balances. I did not use the checks, have no damages, but am notifying the CFPB of this misleading offer. Let me know if you want me to scan documents to you. 

Also, please note that a XXXX search for Consumer Financial Protection Bureau resulted in a list, at the top of which are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Accelerated Financial Solutions, LLC
State: PA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the ACCELERATED FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX XXXX partial account # XXXX ... 
XXXX 
Hard enquires XXXXXXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX XXXX XXXX XXXX XXXX Az 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 2019-04-16
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase Bank refused to correct an unauthorized charge on my Visa card. Please see attached letter dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXXXXXX   account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference pages 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-16
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I notified my mortgage servicer, Mr. Cooper ( formerly Nationstar ) that there was a very large overage in my escrow account that was missed by the prior servicer and that I wanted it back. The prior servicer also did not transfer over my HOI info correctly either, so I just requested to cancel escrows since I had put down 25 % and was entitled to waive them at the time of closing. They denied my request under the reason that my account was less than 2 years old. So I said fine, fix my escrow issue then. They opened a case to do an out of cycle escrow analysis that day ( XXXX ). It is now 49 business days later and I have heard nothing. They are now in violation of the Real Estate Settlement Procedures Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Kings Credit Service is violating multiple federal laws under USC 1692. For example USC 1692b ( 2 ), USC 1692b ( 5 ), USC 1692e ( 2 ). Also continued to contact after I claimed this debt was not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a Collection Agency that has been listed on my credit report. I have no knowledge of the debt. I am unable to contact the Collection agency to resolve this matter. I believe this debt is invalid and is not mine. This company must provide proof of validation of a contract of an obligation of debt. 

Account Name : XXXX XXXX Account Number Unknown

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 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I CONTACTED TRANSUNION CREDIT BUREAU IN REGARDS TO FRAUD ACTIVITY ON MY CREDIT PROFILE. I HAVE CONTACTED THE COMPANIES AND TRANUNION, SUBMITTED A POLICE REPORT AS WELL AS A STATEMENT AND THREE DIFFERENT 609 LETTERS REQUESTING IN WRITTING TO HAVE ACCOUNTS BE VERFIED AS WELL AS A STATEMENT NOT ONLY WAS THERE NO SOLUTION TO THIS MATTER BUT IT HAS TAKEN A COURSE OF MAJORITY OF THE YEAR AND NO RECOURSE HAS BEEN DONE. I CONTACTED THE FRAUD DEPARTMENT AND THEY STATED THAT THEY COULD NOT ACCEPT THE POLICE REPORT I PROVIDED AND THAT I MUST CONTACT THE COMPANY IN WHICH THE CREDIT LINE WAS OPEN. 

I SUBMITTED THESE DOCUMENTS VIA FAX AND HAVE CONFIRMATION NUMBERS IF REQUIRED. 

I HAVE LETTERS DATED FOR FOR FOLLOWING DATES : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX THE POLICE RECORD FILE NUMBER IS XXXX LOCATION WAS XXXX XXXX CA DATE ON REPORT WAS XXXX XXXX XXXX I REQUESTED TO SPEAK TO A FRAUD SUPERVISOR AT XXXX AND WAS TOLD SEVERAL TIMES THEY COULD NOT ACCEPT MY POLICE REPORT. I AM A XXXX VETERAN AND MARRIED TO AN XXXX XXXX SPOUSE. WE CURRENTLY RESIDE ON XXXX XXXX BASE XXXX XXXX. THE SUPERVISOR STATED THE REASON THEY COULD NOT ACCEPT THE REPORT WERE DO THE FORMAT OF THE REPORT ... ETC. WHEN I CONTACTED THE PROVOST MARSHAL OFFICE IN REGARDS TO THIS MATTER AND TRANSUNION WOULD NOT ACCEPT THE POLICE REPORT THE REPRESENTIVE DIDNT HAVE AN EXPLAINATION AND WAS CONFUSED. I HAD ALSO SUBMITTED THE SAME POLICE REPORT TO XXXX  AND TRANSUION IN WHICH THEY TOOK IMMEDIATE ACTION.

NOT ONLY ARE THE FRAUDLENT ACCOUNTS ARE REPORTING NEGATIVE ON MY CREDIT PROFILE BUT TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE THESE ACCOUNTS. I AM VERY DISAPPOINTED IN THIS SERIOUSNESS AND DELIQUENY IN FOLLOWING UP IN AN URGENT MATTER THAT SHOULD HAVE BEEN RESOLVED FIVE MONTHS AGO.

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 2019-04-16
Company: Direct Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Direct Recovery Services @ ( XXXX ) XXXX Sent my mother a text message and repeated phone calls to my mother about my debt after I told them NOT to reach out to my mother. Called my sons phone number and it was a recording saying this message is for XXXX ... ... if you are not XXXX please hang up now, ( the recording then paused for 3 seconds then the recording continued all ) this is an attempt to collect a debt any information obtained will be used to collect a debt ... .. They ( Direct Recovery Services ) can not legally tell anyone I owe a debt. When I reached out to them ( DRC ) and asked them how they are finding these numbers they said they use my social security number. I have asked them to STOP reaching out to my friends and family regarding my debt. They reached out to my ex trying to " verify '' my address and I have a restraining order against my ex for domestic XXXX. When I shared this with DRC they said legally they can do all the above and more. Now my ex has my address and family and friends know I owe a debt!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Choice Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I received a bill from Choice Recovery , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX claiming that i had a past due debt of {$75.00} from XXXX XXXX XXXX. I called Dr XXXX to ask him about the alleged debt because I had never received a bill from him and there was no record of XXXX or XXXX processing any claim for services rendered. He referred me to his billing person who confirmed that I did not owe them any money. He also said that the doctor did not have a relationship with Choice Recovery , Inc . I wrote a letter to Choice Recovery on XX/XX/2020 disputing the bill under the Fair Debt Collection Practices Act. On XX/XX/2020 I received three letters from Choice Recovery claiming falsely that they had verified my debt with the doctor. I again called the doctor 's billing department who told me that this was false, that they had no relationship with Choice Recovery. So the second attempt to collect this debt can only be a scam in my opinion.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Possible Financial 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:
Possible Financial is reporting an account as a charged off account but that is inaccurate. I recently checked my credit file and noticed this was reporting erroneously. I was completely unaware about any lates on this account because I had always made a payment on time. Somehow, my payments clearly never registered on their system and it charged off without me knowing. I was never notified about this, and I continue to make payments on time and I've never been made aware about this. This debt is being paid in a timely manner and this should have never charged off. I am aware you are able to change the status on the account because you are the original furnisher and can report to the bureaus as you deem. However, it should report accurately. This is not a charge off, this installment loan is being paid off on time and that should reflect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: ERC
State: CT
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:
A creator is reporting a balance I know nothing 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 2019-04-16
Company: Experian Information Solutions Inc.
State: TX
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:
Company named XXXX did a hard inquiry on my account without my permission. I called experian to dispute and they refused to do that. They said I have to call the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CFPB, This complaint is about Private Mortgage Insurance removal. In XX/XX/2020, I request Caliber Homes Loans to start the process to remove my PMI based on home value, Caliber indicated that I need an appraisal to know my home value. The appraisal was complete and deliver to Caliber on XX/XX/2020. In XXXX I was advised that I was given the wrong information by the teller and that I need to submit a BPO. The BPO has been completed and deliver. Both the BPO and appraisal show that my home value has going up and that I am eligible for PMI removal, however, Caliber has not made a decision on the matter. I feel that because of the months with the PMI and payments of appraisal and BPO I have lost thousands of dollars due to Caliber irresponsibility. Please contact me for more details. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX (XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, 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