BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed on my latest credit report, a new credit line was created for National Credit Systems dated for XXXX of 2019. I never received any information regarding this debt, no phone calls, no emails, no postal mail. Upon finding out about the debt through my credit report. I called National Credit Systems, they claim my debt is from an apartment I stayed at over two years ago that I left at the end of my lease with no issue. That apartment is now under new management. The new management is what shows up as the company that reported the debt but they claim not to. The new management has no records of me even staying there and said they can't help me with the investigation. They gave me the number to previous management but they will not answer my calls or emails and I believe they are no longer in business. National Credit Systems will not give me full detail of this debt, they lied and said they'd send it to me but it's now been 3 weeks and I still haven't received any email or postage. I sent a formal letter to them and they have received the letter but have not responded. I want this fraudulent debt eliminated from my credit report, if they can't provide me details of the debt I'm not liable. I have never missed a payment in my life, all my legitimate debts are kept current every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Of or around XX/XX/2017 I applied for a XXXX XXXX position to apply makeup for the XXXX XXXX XXXX XXXX. I NEVER APPLIED FOR A CREDIT CARD I APPLIED FOR EMPLOYMENT AND THEY RAN MY CREDIT FOR THEIR STORE CARD! During this time I was at the beginning stages of credit repair so I wasn't getting my credit ran for ANY reason! Their inquiry actually did more damage to my already fragile score at the time. I immediately disputed the inquiry by letter AND by phone. XXXX XXXX denied all of my requests. I recently wrote them a letter to remove the inquiry which they denied again.

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 2019-07-05
Company: Experian Information Solutions Inc.
State: OR
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 have had an auto loan with XXXX XXXX XXXX since XX/XX/XXXX-account number XXXX. I have made every payment on time. They have only sparingly reported my payment history to the credit bureaus. Their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I wrote them on XX/XX/XXXX asking them to report my credit history accurately. I received a letter datedXX/XX/XXXX stating that they were reporting the information accurately. 

I have written, XXXX, XXXX and Experian asking that the missing information be reported. I have only heard back from XXXX which said the disputed information does not appear on my report. They said nothing about asking XXXX to provide it. 

I have a credit report service and it shows that none of the bureaus is reporting the XXXX account. 

Could you please contact XXXX XXXX XXXX and ask them to provide the missing credit history to all three bureaus? 

Thank you. 

Ps. I tried to enter the last 4 of my SSN and your system rearranged the numbers. My SSN is 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 2017-09-13
Company: Experian Information Solutions Inc.
State: NE
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 was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2019-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Had a negative balance on card, they couldn't tell the difference between and negative or positive balance they charged me {$25.00} overdraft twice even though nothing was owed. They refunded half of the charges but still another {$25.00} was charged. They never correct it.

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 2020-10-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
From XX/XX/2020 to XX/XX/2020 I have been disputing an account I don't recognize with JPMCB for {$8700.00}. I have sent three requests XXXX, XXXX and XXXX requesting VALIDATION that the account belongs to me. I respectfully detailed in my communications that I am not refusing to pay nor requesting " verification '' or proof of my mailing address, but a request for validation. I requested that their office provide me with the competent evidence that I have any legal obligations to pay them. Eight months later they have not done so. They have only sent letters XXXX and XXXX to settle a amount {$870.00}. Then again XXXX and XXXX to settle {$2100.00} reducing the remaining balance to zero. I have sent multiple notices in pursuant of the Fair Debt Collection Practices Act,15 USC 1692g Sec.809 and it has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to file complaint on State Home Mortgage. I have been with this company for a decade and I have always had such difficulty with loan servicing with them. The personnel there is very rude and are not there to support the home owner in any way. 

1. On XX/XX/XXXX I received a 6 month forbearance after receiving payments of {$710.00} from me once last payment from XXXX XXXX XXXX ended on XX/XX/XXXX. 
2. On XX/XX/XXXX I received a modification trail plan payments to be effective for XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX, which I paid as agreed. I continued to make the trail plan payments until XX/XX/XXXX. 

My complaint is that XXXX XXXX XXXX XXXX never issued me a permanent modification. They signed the modification plan/contract on XX/XX/XXXX to start the trail plan agreement. In the interim, I 've received a coupon book in XX/XX/XXXX for payments of {$710.00} starting XX/XX/XXXX with interest rate of 4 % which is not in line with the modification agreement which stated an interest rate of 3.5 %.  Which were the payments of {$680.00} that they 've collected from me the months of XX/XX/XXXX-XX/XX/XXXX. 
During the time of waiting on the said modification to be approved, life has happened where I struggled to get payments in for XX/XX/XXXX and XX/XX/XXXX. I sent a check/payment in to State Home Mortgage for the amount of {$1500.00} for the months of XX/XX/XXXX and XX/XX/XXXX plus coverage for any late fees assessed on XX/XX/XXXX. I assumed I would need to pay the {$710.00} after receiving no response from emails and seeing that my online account had not been updated to reflect accurate information. 

I have been in constant contact with XXXX XXXX and has filed a second investigation with them. They are also confused on what has happened after their last in counter to remedy this issue with State Home Mortgage after they had advised them to place me on the Streamline Modification. I have also had to obtain a lawyer to communicate on my behalf going forward due to so much push back from XXXX XXXX of State Home Mortgage on providing me with the correct information on my case to save my home from any other delinquencies and/or foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An unauthorized account was opened in mine name by cash central in the original amount of XXXX on XX/XX/2017.. Did n't realize about this account till I went to try and get a new car loan in XX/XX/XXXX and it did n't go through, I have frozen my credit to the credit bureaus filed a police report and filled out an identity theft victim 's complaint and affidavit had it notarized and sent it to 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 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 have had an auto loan with XXXX XXXX XXXX since XX/XX/XXXX-account number XXXX. I have made every payment on time. They have only sparingly reported my payment history to the credit bureaus. Their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I wrote them on XX/XX/ asking them to report my credit history accurately. I received a letter dated XX/XX/ stating that they were reporting the information accurately. 

I have written, XXXX, TransUnion and XXXX   asking that the missing information be reported. I have only heard back from TransUnion which said the disputed information does not appear on my report. They said nothing about asking XXXX to provide it. 

I have a credit report service and it shows that none of the bureaus is reporting the XXXX account. 

Could you please contact XXXX XXXX XXXX and ask them to provide the missing credit history to all three bureaus? 

Thank you. 

Ps. I tried to enter the last 4 of my SSN and your system rearranged the numbers. My SSN is 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 2019-07-05
Company: LD Holdings Group, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan with LoanDepot for my townhome. It was sold to XXXX XXXX. I never received notification that the loan was sold. I placed a payment with Loan Depot on XXXX and assumed that the payment had gone through. When it did not clear my bank, I checked again. Now it won't let me pay because it says that my loan was sold. I do not have any information from XXXX XXXX such as a loan number, nor a mailing address. It took 3 tries to get a correct phone number and I have been on hold now for 27 minutes. I am afraid of missing the XXXX payment. I'm never late with my payments. This is very worrisome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I recently found out that a Citibank student loan was a " private '' loan that i had received while attending XXXX University. I was led to believe that all the students loans from that period were NOT private loans. When the loans were consolidated -- it was discovered that the Citibank loans were indeed private loans. 

I contacted Citibank and discovered that the loans were housed in their collection unit. I spoke with someone on the phone and asked for him to delivery to me of the original instrument of indebtedness in its original form. On XX/XX/2019, I received communication with the following information : application, promissory note, and disclosure statement. 

CitiBanks keeps re-aging these accounts to reflect current parameters and, upgrading to reflect negative information on my credit file. There is no Original Date of Delinquency listed on any of the credit files. 

I have sent communication to the three credit bureaus to delete unverified and inaccurate information, And, I have sent communication to Citibank, directly.

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 2017-11-16
Company: 21ST MORTGAGE CORP.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
With all due respect my wife always will do the right thing. She has tried to work out several ways to lower or catch up mortgage. We receive letters and demands on the daily bases and also emails from time to time. But what the real issue is regardless of the default is we were not given full disclosure. We should all know that pooling, selling notes which is Securitization and fraud lying to investors and it is no longer a nogoetiable instrument it is a non-nogoetiable that has been turn into a security instrument. Through 21st Mortgage Corporation its agents or agent violated T.C.A. title 47 in Uniform Commerical Code section 3-305 ( a ). 21st Mortgage materially altered a contract without the  consent of XXXX XXXX XXXX or XXXX XXXX committed Fraud in the factum. This is why this transaction is illegal. And thus fraud which induced us both into a contract upon terms and conditions other than agreed upon. The law is expressed as 3-305 and claim recoupment. And as stated in general rule subsection ( b ). This is fraud and lack of legal capacity or illegality of  the transaction WHICH UNDER LAW nullifies the obligation of the obligator. Fraud that induced the obligor to sign the instrument with neither knowledge nor reasonable opportunity to learn of its character or its essential terms ; ; or the law that Governs this note/bond/mortgage security interest lien is the Statues at Large Public Law 13 38th congress Stat 99-118, the National Currency Act which expressed as prima facie Law under the United States Code Title 12 Banks and Banking, TCA Title 47 Article 3 Negotiable Instruments and Article 8 Investments Securities. We are XXXX XXXX and XXXX XXXX XXXX we are only asserting defense against the validity of the orginal negotiable instrument 'contract ' the alleged promissory note '. And last and foremost the first issue is consideration there has been no loan or consideration in this contract in the amount of {$60000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: DISCOVER BANK
State: CA
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:
Discover card has been harassing me multiple times every day and night, early and late, 24/7 insisting I call back. They call on both my cell phone and landline. I have never provided my private landline number to Discover and this is an invasion of my privacy. When I block one of their XXXX numbers, they switch to another XXXX number and continue calling repeatedly. 
I called back today XX/XX/18 and was informed that I could take advantage of some sort of automatic debit program if I was late making payments. As far as I know, I have not been late in making a payment. The calls are harassing. 
In addition, Discover repeatedly contacted me to transfer a balance from another credit account and when I did, Discover reduced my credit limit for absolutely no reason. 
These are misrepresentations, harassment and the Discover company needs to be reined into proper business practices. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$98000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-07-06
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Attached is the XXXX statement for XXXX XXXX. 

Key Bank is claiming a lack of standing for me tp complain about its conduct, because I am not the executor of XXXX XXXX 's estate. I am still a successor-in-interest and have completed the successor-ini-interest form, sent it to Key Bank and the company has acknowledged its receipt. As a beneficiary of the estate, I do have an interest in Key Bank 's malfeasances that affect that interest and believe that the CFPB should insist on a response from the company other than a claim of a lack of standing of the complainant. 

Key Bank is again charging for fees an inspection fee and legal fees - that have not been approved by a New York State court, which pursuant to New York State law is required before they can be assessed ( see p. 2 of the XXXX monthly statement ). 

Key Bank is claiming these fees are part of the delinquent balance, even though these fees have not been approved in kind or amount by a New York State court. This makes it more difficult for a borrower to cure the deficiency and the default. If I were the CFPB, I would make sure Key Bank is not doing this systematically with other borrowers, because it appears to be computerized. See p. 1 of the XXXX montlhly statement, the identified past due amount and the amount currently due. 

Legal fees assessed to this borrower include legal fees in which the attorney proponent of the legal document ( motion for summary judgment ), XXXX XXXX, XXXX, now formerly of XXXX, XXXX, XXXX XXXX XXXX, XXXX, violated his oath pursuant to New York State CPLR 3012-b that the motion had merit even though it took the position that a home loan was no longer a home loan just because the borrower died, which is the opposite of the position Key Bank has taken with the CFPB, such that Mr. XXXX should have been collaterally estopped from making the argument, and he had an obligation to review the file before making the representations he did in his legal papers. XXXX XXXX, XXXX, also now formerly of XXXX, XXXX, XXXX XXXX XXXX , XXXX, was his supervisor and, at a minimum, violated New York XXXX 's professional legal code of conduct 's rule associated with " Fairness to Opposing Party and Counsel, '' as, of course, Mr. XXXX violated also in so far as he violated the state 's criminal code regarding making a false sworn statement, a Class A misdemeanor in New York State. I do not such legal fees should be assessed, but, as I have written before, that is why a New York State court needs to approve the Key Bank 's assessments ; certain, if not all assessments, may not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As an XXXX who has used credit in the past, I was more than likely part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX XXXX or TransUnion in the first place. XXXX should make credit freezes and unfreezes free federally, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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