BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: KEYCORP
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The US bankruptcy court granted to re-open my case in XX/XX/XXXX. XXXX foreclosed in XXXX by Keybank due to XXXX XXXX XXXXXXXX misrepresenting the mortgage services process. XXXX XXXX XXXXXXXX used loan fraud and discrimination by failing to make an accurate and complete disclosure of payments through the Obama Administrations efforts to provide relief to my mortgage and homeownership in XXXX, XXXX. On XX/XX/XXXX, the loan bankruptcy XXXX the mortgage debt. They used deception through us a mail and by documents provided through XXXX  XXXX XXXX. On or about XX/XX/XXXX, XXXX  XXXX XXXX used an XXXX title company to notarize documents under the save the dream foreclosure prevention program. Their mortgage servicing misled me to continue making payments after the bankruptcy dischargeXXXX XXXX XXXX XXXX worked with XXXX mortgage services to hold an escrow account for KeyBank National Association for the government-approved crisis funds. The document Save The Dreams reveals not to make payments ; that loan foreclosure prevention would help clear the liens and Residential loans. 

They used documents and the XXXX system to pretext a cause for collection to deprive me of credit and finical information as they knew the housing crises I was hurt. The Chapter XXXX bankruptcy experience an undue hardship ; tXXXX XXXX XXXX XXXXy XXXX debt. Bank XXXX XXXX took advantage of me during the crisis and failed to satisfy the liens after they brought out XXXX Mortgage XXXX. Instead, they used defective During the pandemic in XXXX. My home had illegal foreclosure against XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX, I brought home through the XXXX XXXX XXXX XXXX XXXX that assigned KeyBank National Association as the bank to be an indirect mortgage holder for the XXXX XXXX  XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX ) is the seller of the property in the original loan origination and original warranty deed to the land property is me XX/XX/XXXX, I signed documents at XXXX XXXX XXXX that included title insurance, homeowner insurance, truth in lending, Hud compliance document, 1003 Fannie Mae application mortgage servicer which, name as XXXX XXXX XXXX  and agreement was no assumption of the loan, XXXXk XXXX XXXX used home-retention options to discuss government assistance after my bankruptcy discharge with my mortgage servicer ( s ), including refinances and programs through Loan Modification/Affordable Mortgage Modification forbearance and forgiveness and lien release. They used the system to Financially Fraud Residential Mortgage-Backed up by government assistance. They breach mortgage contracts and process scams against bankruptcy discharge and crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions 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:
I acquired my credit report and asked the credit bureaus to check and make sure everything was completed and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. 
The consumer reporting agencies which is XXXX, Experian, XXXX, did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still have not received anything back from each burea.

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 2022-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 A an account at Bank of America was opened in my name along with online and mobile banking services. They used all of my contact information as well as my personal information. They had my social security number, email, phone number and date of birth,

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 2018-05-30
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for and was approved for the XXXX XXXX XXXX card on XX/XX/XXXX. The terms of my application said that I would receive a bonus of XXXX thank you points if I spent {$4000.00} in the first 3 months which I did. I never received my bonus and when I called XXXX to find out why they told me that the terms say I am not eligible for the bonus if I have opened or closed an account for the same product in the past 24 months. I checked my credit report and the last XXXX XXXX XXXX card that I had in the past was closed in XXXX of XXXX which makes it clear that 24 months had passed and I was eligible for the bonus. XXXX 's response was that since I had been an authorized user of my wife 's card in the past 24 months I was not eligible. I did not own that account, my social security number was never given when my wife made me an authorized user and nowhere in the terms and conditions of my application did it say anything about not being eligible for the bonus if you were an authorized user on somebody else 's card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: NC
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:
On XXXX, XXXX XXXX XXXX violated my rights, by reporting false information on my report, that result in multiple ( 4 ) late payments, i wish for these late payment be removed from my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I entered into a consumer credit account with Lowes, in XXXX. I charged {$16000.00} to refurbish my kitchen. The terms were 0 % interest for 2 years, followed by interest of 26.99 % thereafter. 

When I went online to pay my bill, today. I found an interest charge of {$10000.00}. had accrued since my prior statement, which had a balance of {$11000.00}. I had paid {$1000.00} on that balance. 

When I called Lowes, I was informed that, if I did not pay the entire balance by XXXX XXXX, I would be responsible for the {$10000.00} in interest and would be responsible for a balance of {$21000.00}. Paying it off over time would result in interest payments of many thousands of dollars. Otherwise, I owed them {$10000.00}, if paid in full by XX/XX/XXXX. 

Fortunately, I have the money and was considering paying off the balance anyway. However, I can imagine someone less fortunate being under extreme pressure facing this unexpected term adjustment. 

I thought I understood that they would BEGIN charging me 26.99 % on THE REMAINING BALANCE if I didn't pay off the balance in two years. Instead, they seem to have charged me over 50 % or thereabouts from the inception of the original {$16000.00} charge, retroactively. There seems to have been no consideration of the over {$6000.00} I had paid in the 2 yrs. 

Is this legal?

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 2022-06-16
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other 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/2022 I Sent A Debt Validation Letter To LVNV Funding Regarding Account # XXXX And Also A Cease And Desist I Recieved A Response From Resurgent Capital Services For Account # XXXX And What Was Stated On The Letter Was This IS A Attempt To Collect A Debt This Is A Violation Of 15 USC 1692b ( 2 ) That's {$1000.00} For That Violation And I Have Proof Of This Violation Then On The Letter It Stated Because Of The Age Of The Debt LVNV Funding Can Not Sue I Asked For A Paper Trail On This Accout Statements Does Not Validate This " Alleged '' Debt And Further More I Would Like Resergent To Send Me Valid Proof They Are Aurthorized To Collect " Alleged '' Debt In My State If The Account Is " Charged Off '' Then How Is It A Balanced Owed As Well? I Never Received A 1099 I Guess LVNV Funding And Resurgent Capital Services Uses Debt As A Tax Write Off Plus Continue To Collect On Money They Already Received I Have Not Ever Done Any Business With LVNV Funding Or Resurgent Capial Services I Would Like To See A Contract With My Signature With Both Company 's Resurgent Capital Services Is Committing Identity Theft Pursuant to 15 U.S Code 1681a ( q ) ( 3 ) Resergent Capital Services has commited the act of " Identity Theft '' Using the identifying information of such Person, Never Gave Them Written Instructions To Furnish Any Information About Me To The Credit Reporting Agenices Resurgent Capital Services Is Causing Me Great Mental Anguish And I Will Seek Litigation {$1000.00} Per Violation As Stated On The Cease And Desist I Would Like A Check Mailed To Me As I HAve Valid Proof Of Your Violations The FCRA IS Here To Protect Me And I Have Rights And You Have Broken Them Also Iv'e Sent A Affidavit Of Truth And Fauiler To Respond To It Line By Line Will Result Is Litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was incarcerated so I couldn't pay bill. People in home was still using in my name. 2013 was the year o service. The amount is {$2400.00}.

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 2023-03-02
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Notice to agent is noticed to principle, noticed to principle is noticed to agent. 
Payments on the vehicle Is unclear. Santander consumer USA and XXXX XXXX XXXX can not make their decision on whom the Debt Belongs to. This has been discharged for the following reasons, Santander Consumer USA has not provided the discharge Documentation requested by the consumer I have contacted XXXX XXXX XXXX to provide me with the discharge cancelation Information to report this to the IRS and they have denied the information that I Need, to file the 1099 XXXX XXXX XXXX XXXX deny providing me with Such license, Santander on the other hand is blaming XXXXXXXX XXXX  XXXX and since I am the holder in due course of this account, I am cancelling this debt with house resolution 192 that explains the public debt. I would like to recoup the currency by check money order or federal notes. or return the funds to my financial institution. or to the consumers address mentioned un the contract. And just keep in mind they're on the contract it says pay to house does not say Santander consumer USA and just to inform Santander. You forfeit the signature on that contract you have send me. the original contract is proof of the frog you committed with XXXX XXXX you are just unlawful and no different than XXXX XXXX XXXX. I came in good faith to both of you and I addressed the issue when you ask me to you pretended to help when in reality you were committing fraud. I am requesting Santander to provide me with the discharge notification letter and the 1099C information. In order to release your name from the DMV records and if you can not provide me with the information, I am requesting please assign this to a court hearing to a federal court before I address the issue. and before I forget there is no Arbitration Cloth Between me and Santander. Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-13
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX has sent verification requests to M & T bank TWICE to verify my account information so they can submit my grant money to bring my mortgage current. M & T has not responded to either of these requests. Their response to me is not acceptable. M & T bank advertises that consumers should apply for state grants to help with mortgage accounts in forbearance. I have applied for these funds in XXXX of 2022 and M & T bank is not cooperating with XXXX. I have already received assistance to help pay for my heating bill thru XXXX and there was no issues whatsoever with the communication between XXXX and the oil company. This needs to be taken care of. My home and my life is not some game!

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # 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

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 2016-08-23
Company: National Principal Group, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collectors called family members and people I no longer have contact with. Threatening tone. Would not give me any information about this so called debt, and kept telling me that I needed to pay. This debt is not legitimate, and all these collectors did was try to embarrass me by contacting my family and old friends, making it sound like I had a warrant on the run.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: SC
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 trying to access my data at Experian but the information they have on file is incorrect and there is no way to reach a person to get help. The computer system is unable to help but there is no option to get to a person. 
I have tried many times without success. 
It seems Experian does not have any humans that can help with issues. 
If you could help me get in contact with Experian that would be so helpful. 
Thank you.

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 2022-12-26
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account from CREDENCE RESOURCE MANAGE for {$270.00} was added to my credit profile without my knowledge. I do not own this account and it was never verified with any parties. Please have the account removed. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts please investigate the unverifiable accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this account with the company and they have verified the amount. furthermore they have posted that we have agreed on the account as being a debt, I have no knowledge of this creditor nor have gotten any contract stating I owe them. Either show something in writing that I owe on this account or please remove from my credits reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My address is inaccurate. I only live at one address have live there years and I only have one name I use. There is no other name. My job is incorrect as well. 

All my personal information needs to be corrected and updated on a 3 bureaus. Experian, XXXX, and 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 2019-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car was damaged in a car accident with XXXX XXXX XXXX where I purchased the car XXXX XXXX for {$21000.00} cash. I financed the car on my own with Bank of America. They gave me the money. On XXXX XXXX my car had a warranty issue and while in for service at XXXX XXXX XXXX they had an accident with my car and it cost {$12000.00} to repair. The dealership sent my car out to their repair shop for 51 days and promised to give me another vehicle. My car should have been declared a total loss. Instead it was given back to me after my signature was forged on the paperwork from the dealership. I now owe {$4000.00} on the vehicle and I want the debt to be forgiven because there was fraud and I should not have to pay for a car that was damaged by the people I bought the vehicle from and fraud was committed to obtain a kickback for referring my vehicle for repair at a body shop of their choosing for repair of my vehicle. This is fraud and I have serious concerns about my continued payments on a fraudulent transaction by XXXX XXXX XXXX and XXXX XXXX. I'm asking for help as a one time courtesy..

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 2016-11-04
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a modification through Vanderbilt mortgage and financial, inc. XX/XX/2016. My probationary period was XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made XXXX payments without any problems. Then at the end of XX/XX/XXXX I was wrongfully terminated from my job leaving me with no income. I was able to borrow the money and called to make the payment on XX/XX/XXXX, I was informed that they would n't accept the payment and that my house would be auctioned off on XX/XX/2016 no exceptions. I received a letter dated XX/XX/XXXX which I did n't receive until the XXXX, stating I did not accept the trial payment plan and that there was no other relief they could offer me. I called on XX/XX/XXXX to inform them again that I was unemployed and that I was lead to believe that the forbearance could be extended because of this. They informed me that nothing could be done and that my home would be auctioned off on XXXX I have not been served or mailed any documentation stating that date. I have only been told XXXX different dates verbally over the phone. I am a single mother of XXXX children and I live in a very rural area that currently has a housing crisis and many people are homeless. If my home is sold I will be homeless as I am unemployed and suffering from anxiety and XXXX from the stress of loosing my job and my house back to back. I answered yes to the question below regarding did they help prevent foreclosure because they did when I was approved for a modification.

Company response to consumer: Closed with explanation