BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: KEYCORP
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I was called to XXXX XXXX my home was moved from XXXX, Oh, where Keybank is located, to XXXX, MI, WHERE NO KEYBANK IS ANYWHERE NEAR. I made sure to caps the previous statement because it's 100 % the cause of the fraudulent charge I've encountered. I called Keybank to close my account after drawing all the funds out of the account. I had no access to go to Keybank as it was over 2 hour drive away. I called he first time and nothing was done to close my account. I incurred charges because I removed all the money from my account. I PAID the first round of fraudulent charges, I again called KEYBANK to close my account when it was YET AGAIN at XXXX. Once again nothing was done on Keybank side and once again overage charges were encountered. This account should have been closed PRIOR to the charges TWICE! this was fraudulent twice. Not to mention I was SERVING OUR COUNTRY. I will not pay this charge, as it is fraudulent. Just to point out, your system is glitching, it would not allow me to Input my last 4 of my ss # so I put the last four as the account number. THE ACCOUNT NUMBER I ENTERED IS MY LAST FOUR, I DO NOT HAVE AN ACCOUNT WITH KEYBANK AS THEY CLOSED THE ACCOUNT AFTER FRAUDULENTLY CHARGING ME TWICE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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: Their investigation did not fix an error on your report

Complaint:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : DEPT OF ED/XXXX   XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: NJ
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:
I pulled my credit report to find a XXXX account reporting that I never had. I contacted all 3 bureaus who's reporting this information, and i contacted verizon themselves. All 4 entities advised me that this account has been verified as accurate. The part that bothers me is that the account was opened in XX/XX/XXXX in which at that I was only XXXX years old as I am only XXXX right now. My birthdate is XX/XX/XXXX so there is no way possible I opened a XXXX Account at XXXX years old.. Is that even legal? 

There were also some other inaccuracies I noticed ... Can you please help me with this? ( Screenshot attached )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I pulled my credit report to find a XXXX account reporting that I never had. I contacted all 3 bureaus who's reporting this information, and i contacted verizon themselves. All 4 entities advised me that this account has been verified as accurate. The part that bothers me is that the account was opened in XX/XX/XXXX in which at that I was only XXXX years old as I am only XXXX right now. My birthdate is XX/XX/XXXX so there is no way possible I opened a XXXX Account at XXXX years old.. Is that even legal? 

There were also some other inaccuracies I noticed ... Can you please help me with this? ( Screenshot attached )

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 2021-10-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently got a copy of a credit report because I was wanting to purchase my first home. Upon checking my credit report I saw several unusual accounts and addresses that were not mine. I contacted the companies and also the credit bureaus with no success. I am listing the fradulent accounts as well as dates and addresses that arent not mine below. 

Company : XXXX XXXX Account # XXXX* DatesXXXX Amount : {$30000.00} Company : US DEPT ED Dates:XXXX XXXX : {$990.00} Company : US DEPT ED Dates:XXXX Amount : {$1000.00} Company : US DEPT ED Dates:XXXX Amount : {$1300.00} Company : USDOE/XXXX XXXX Amount : {$3200.00} Company : XXXX XXXX Dates:XX/XX/XXXX Amount : {$3500.00} Company:06 XXXX XXXX XXXX Dates:XX/XX/XXXX Amount : {$210.00} Company:6 XXXX XXXX XXXX XXXX Dates:03/10/2020 Amount : {$56.00} Company : US DEPT ED Dates:XXXX Amount : {$1100.00} Company : USDOE/XXXX Dates:XXXX Amount : {$3400.00} Company : US DEPT ED Dates:XXXX Amount : {$3100.00} Company : US DEPT ED Dates:XXXX Amount : {$1800.00} I am also disputing the credit inquiries that are credit report. I am listing the accounts dates. 

Company : XXXX Date of InquiryXXXX Company : XXXX Date of Inquiry:XXXX Company : US SM BUS ADMIN ODA Date of Inquiry:XXXX Company : XXXX  Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX  Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX Date of Inquiry:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There is an Arizona address listed with my name on my credit report and I have never lived nor am I from that state. Someone used my name and SSN to establish identify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I lost a job in XXXX and had to enter a forbearance plan with my mortgage company. I XX/XX/XXXX, I was ready to come out of the forbearance and reassume monthly payments. I have now been trying to close out the forbearance for 8 months and my monthly statement shows Im over a year behind on my mortgage, even though I have made a monthly payment every month since XXXX. Since then, I have had XX/XX/XXXX XXXX and been out of work for 2 months. I need to refinance and cash out some equity to get my financing back under control and my mortgage company is causing me distress by not closing my forbearance out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My now deceased aunt opened several accounts in my name using my social security number. I received a letter from Credit Management dated XX/XX/2020 on XX/XX/2020 ... .2 months after they have placed the debt on my credit with all 3 bureaus. I then sent a certified letter on XX/XX/2020 asking them to verify the debt was mine. I asked for XXXX service agreement with my signature, my drivers license or any identity proving I signed up for their service. I received a return letter stating they do not settle not verifying the debt. We are currently buying a home so after numerous phone calls to XXXX and Credit Management we were told if we paid it will be removed from the 3 bureaus and after XXXX settles the fraud claim we would be reimbursed. Now, after they have been paid ... .none of those conversations never took place. They lied to get my money and still has this fraudulent debt on my credit! They went from calling everyday to now hanging up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This company refunded the {$370.00} and then waited 5 days and then added it back on I have paid ahead to my XXXX payments but they are stealing money as I said there are not late fees the late fees were part of the original payment arrangements with the original lender not Mr. Cooper. This company is sneaking and lying. Here is a full list of the transactions were they have lied about not charging late fees and then charged them where they credited back this false charge and then re-issued it. I find it ridiculous and I wish companies were not allowed to sell mortgages without consumer agreement. This is a terrible company to deal with. I demand full refund of the stolen funds. They have stolen the money and I want it all out back on my account. I would never ever choose to do business with such a fraudulent entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage company is Phh service in XX/XX/2019 it was sold from Owens Mortgage I was on a modification program for 3 months paid trail period on time was told I would get my regular monthly payment 30 days before my trail period end which was XXXX I call several times before my trail period ended and was told to just make my regular payment I received my modification 3rd wk of XXXX already made my XXXX payments 1st wk of XXXX then I get different letter stating different amounts due XXXX statement said my escrow was short and I would have to pay XXXX more. Shouldn't they have know this when they sent my modification papers to be notarized and send back by the 4th wk in XXXX or given me more notice. Pls help me i call try to talk to my relationship manager several times before i received the escrow shortage notice never received call back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: RIA FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi, I have initiated a money transfer with Ria Money Transfer on XX/XX/2018 and normal processing time was 2 to 3 days. It's been more 14 days and whenever I contact the customer support they are mentioning the amount will be credited in 24-48 hours. I have been hearing this for past 10 days and so far no action. Tried reaching out to the supervisors in Ria customer support but no one is available to support this.

I have been following up with Ria for a Refund but have not got any positive response for past 10 days.

Please find the Transaction Number 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 monetary relief
Consumer complaint received 2021-10-15
Company: Rothman Evans, P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/2021 I called collections to clarify the validity of bill and ask for an itemized bill as this bill was previously disputed and no further action had been taken. A woman by the name of XXXX, had explained that my bill came from XXXX  and the date, and this amount $ XXXX but couldnt tell me what the amount was from. She stated I would need to sign a waiver to give them permission to get my medical record. When I asked if they had a medical professional working on that office she got upset. I asked to speak with her supervisor. A woman by the name of XXXX got on the phone and repeated what the first woman said. So I told her it made no sense to release my medical records to them if they didnt have a medical professional in the office to decipher medical jargon and shorthand. She got rude and threatened that I would need to pay the bill or go to jail and or court which ever came first and then hung up. 
I never received anything else in writing from them or phone calls. Then I was approached by a sheriff XX/XX/2021 about another bill and since I refused to give him personal information he stated I hope they garnish EVERYTHING you have. 

I do not appreciate the method of recovery and being harassed by law enforcement for this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Bullseye Collection Agency
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Received missed call from XXXX at XXXX on XX/XX/21. Number was not saved in phone, not sure who it was. 

When I called back at XXXX, the woman stated Bullseye Financial and asked if my name was XXXX XXXX XXXX XXXX XXXX XXXX. I said yes, that I received an unsolicited call from that number. The woman stated she was from Bullseye Financial and was sent information from law firm regarding a retainer fees debt. 

She never prefaced the call that she was from a debt collection agency, if the call was being recorded or not, or to verify I was the person they were looking for using other demographic information. I hung up the phone, assuming it was a scam call and blocked the number.

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 2021-10-15
Company: EQUIFAX, INC.
State: NV
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: Other problem getting your report or credit score

Complaint:
The week of XX/XX/XXXX, called equifax to get access to my credit report as no lenders have been able to access my credit report because of some hold. 

I have contacted the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX. On XX/XX/XXXX, they told me to check Friday as the documents to verify myself should be in. 

I have went through countless verifications, sent in the documents they have requested by fax and still I can not get access to my credit reports. The documents that I sent were my drivers license, a cover letter explaining what I need done, and also a photo copy of my social security card. 

All I want is access to my credit report and for lenders to have access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others  have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original  creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to identity theft, I placed a credit freeze with all 3 credit bureaus in XX/XX/XXXX. I removed the freeze early in XX/XX/XXXX, with all 3. For XXXX  and XXXX, the process was fairly easy. For Transunion, I had to request a new pin number, by mail, which I received in XX/XX/XXXX, and used to lift the freeze on XX/XX/XXXX. I recorded this date in my notes on the process. 

I recently applied for a line of credit, and discovered ( on XX/XX/XXXX ) that a freeze was ( incorrectly ) still in place with Transunion. I tried to remove the freeze online and received an error message. This launched me into a painful series of phone calls with Transunion, which spanned multiple days, and involved me being handed off to at least four different people, and ultimately being transferred to their " US call center ''. At my final phone destination, I spoke with someone who was able to resolve the error and lift the freeze, which I confirmed online while I was still on the phone with her. I also made it clear that I wanted the freeze lifted permanently, not temporarily. 

I know this removal worked, as my bank was able to successfully pull my credit from Transunion and complete my application for the line of credit. 

Yesterday ( XX/XX/XXXX ), I applied for a new credit card ... and was told that they could not complete the application because there was a freeze on my Transunion account. I immediately went online with Transunion ... and saw that the freeze was, in fact, back in place. I tried to remove it, and received the same error message that started the whole removal process that I went through a couple of weeks ago. 

This is ridiculous. This company has too much power to waste my time, interfere with my financial life, and create annoyance to have such minimal responsibility for correcting errors in a timely and painless way. I would like to see my problem resolved immediately ... but beyond that ... I'd like to see Transunion ( and the others ) being held to a higher and more appropriate standard.

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 2019-09-01
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
{$680.00} was taken out of my bank account for a debt that isnt on my credit report and by someone Ive never borrowed from called Asset Acceptance LLC XXXX from a court order dated XX/XX/19. They say I owe {$3900.00} but there is no way I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: I.C. System, Inc.
State: AZ
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:
On XX/XX/2019 collection agency IC Systems reported an open balance of {$1000.00}, I contacted the original creditor XXXX XXXX and XXXX  to advise them this was included in Chapter 7 discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy 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