BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: BANK OF THE WEST
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on XXXX  and XXXX  1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK WEST Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BK WEST Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.

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 2021-08-12
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
( This is a summary only. ) I have a nys government benefit card account with KeyBank. The issue is that logging in always fails which requires that I call the KeyBank Support Center. The center simply " resets '' my account - which automatically signs me into the system. However, any successive attempt to sign into the KeyBank system, after the rest, just fails. And once again, I have to call the KeyBank Support Center to reset my account. This process repeats itself ad nauseam : a ) upon account reset you're signed in automatically, you do your stuff, and then log out, b ) successive sign in attempts fail, c ) call KeyBank Support Center to reset the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In order to view balances, tax documents etc with Penny Mac, one must register for an account. Part of the account registration process is to provide one 's cell phone number ( landline is not accepted ) and consent to receiving telemarketing calls from Penny Mac. The following it how the consent is worded ( copied/pasted from Penny Mac webpage ) " Communications Consent : By clicking the Submit button, I agree that I am providing an electronic signature authorizing PennyMac Loan Services , LLC and its agents ( PennyMac ) to contact me for telemarketing and informational purposes at the telephone number provided, even if I have previously registered on a corporate, state or national Do Not Call registry. I have authority to provide this consent because I am the subscriber of the telephone number or I am a customary user who has authority to consent to these communications. I also agree that PennyMac may contact me using an automatic telephone dialing system or an artificial or prerecorded message, or text messages, even if the number is connected to a service for which I am charged. I understand that I am not required to provide consent as a condition of loan consideration or approval. '' In conclusion, the only way one can manage one 's mortgage, view statements and tax statements with Penny Mac online is if one consents to Penny Mac 's telemarketing strategies. This is unethical.

Thank you for your attention to this matter. 
Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit card with XXXX with the credit limit of {$9000.00}. Yesterday XX/XX/18 i requested a credit line increase to {$15000.00} through the mobile app. XXXX shortly approved the credit increase to {$15000.00}. I checked my credit report and found out that XXXX ran a hard inquiry that same day on TransUnion which resulted in dropping my credit score down. I did not consent to a hard inquiry nor was I notified that a hard inquiry would be made in response to my credit line increase request.

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 2018-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed this account multiple times with Experian and they refuse to investigate. This XXXX account does not belong to me, and I have confirmed multiple times that the date of first delinquency was back in 2010, but it has been continually re-reported as a later date. It is now over XXXX XXXX XXXX and Experian refuses to correct or remove this now obsolete account that does not even belong to me.

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 2018-07-31
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2018, I paid Citibank the full amount owed on my account and they submitted to the credit bureaus that I paid a settlement amount. That is completely false. I am extremely disappointed that that this inaccurate information was included in my file. 

Debt is owned by Citibank. 

Credit Card : Bloomingdale 's 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 2018-09-26
Company: Volvo Car Financial Services U.S., LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with VOLVO CAR FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and VOLVO CAR FINANCIAL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: AES/PHEAA
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:
Many times delayed that is being reported on my credit report appears to be inacurate and or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Experian Information Solutions Inc.
State: IN
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I subscribed to a credit monitoring service through Experian. I have decided I would like to cancel the service. 

Following their prescribed procedure, I called the XXXX number and followed the prompts, which include entering my Social Security Number, ZIP code, numerical portion of my address, and my date of birth. The system then announced " you do not have a subscription with us. Goodbye '' and ended the call. 

I have called back several times and tried to reach an actual person. Their system appears to be impervious to such attempts. 

How can I stop them from taking my money every month? I see no way to do so.

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 2018-09-14
Company: EQUIFAX, INC.
State: OH
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:
A new collection listing on my Equifax today under the name XXXX XXXX, account XXXX for the amount {$710.00}. The original creditor is XXXX. This fraudulent account was previously Blocked from my credit report and belonged to XXXX XXXX at the time. This is a fraudulent account and Equifax has no business placingn it back on my file. I intend to file charges against Equifax for damages to my credit. This is my Identity Theft Report to Permanently Block XXXX off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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 received a call from a student loan company about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX AXXXX 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 Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. They told me to wait 180 days and its beg pass that. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: DISCOVER BANK
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Discover Card - in its latest response - has provided this organization, and me, with information that it knows is incorrect. 

In its last response, it claims that it sent paperless responses and documents to an email address that corresponds to an email address that was included in its application. That email address - according to a XX/XX/2017 letter - was " XXXX. '' Upon sharing with them that I have never had an email address of that sort, they backed off. 

It wasn't until my most recent request for their method of delivering their statements are they now claiming that they email address they sent to the person that opened the account, is the same email address used on my correspondence to this agency, my email address : XXXX. 

So : 1. They can't provide anyone with a complete date when they got an application. 

2. There's a two-month gap between when they approved an application and when they mailed a card. 

3. They claim that they approved the account with supporting information, but refuse to provide the information they used when requested. 

4. They originally claimed - to me and to this agency - that they mailed physical statements ; now they claim that they emailed statements to the email address XXXX EVEN THOUGH they claimed to email statements to a XXXX address when asked about this is XX/XX/2017. 

REQUEST : I request that Discover provide this agency, and me, with proof of the email address they used to submit these statements. It shouldn't be hard to provide if you have an actual signed contract/application that you claim to have when you opened this account. 

Please keep in mind that I'm collecting all of your responses for the purposes of legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Meridian ARG Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company will not quit calling me I do not owe this debt and they 're contacting me telling me they 're going focus come to my place of residence and or employment Contacting my family Number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Collection Bureau of America Ltd.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I pulled my credit file and found a negative account that was in collections listed. I immediately sent a debt validation letter to the company listed as reporting the debt ( Copy attached ) I also asked for them to send me copies of all records including the original contract with signatures, also a copy of the photo id that would of been provided when the account was originally set up. I have no recollection of ever setting this account up nor have I ever lived at the address that they have listed on the invoice copies that were sent to me in order to validate this debt was mine. 
I have attached all correspondences with the collection agency for review. As stated in all letters, I have no knowledge of this account, I don't own this account, I have never lived at the address listed on the invoices and I do not need to be harassed by the woman at the collection company, consistently insisting that this debt is mine, when she has yet to provide adequate proof to justify her claim. 
Not to mention, The statements that XXXX sent over ( collection company ) show that this debt would of defaulted in XXXX. In Florida that is past the statue of limitation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: TN
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:
I have accounts still under investigation, it has been over 30 days and I have not heard anything back from the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX opened services with companyFair Collections & Out about XXXX XXXX XXXX. Had to break lease due to family emergency and move back to Ohio. Contacted Company numerous of times. Balance Currently Shows {$3500.00}. Would love to be forgiven and removed off credit, because of the damage its doing to my credit report. 

On XX/XX/XXXX account from XXXX was closed and charged off with balance showing {$0.00}. Please remove from all credit bureaus, account is in good standings. Cant reach Company On XX/XX/XXXX account for XXXX XXXX Was opened and closed with a balance of {$110.00}. Had to leave on emergency to go back to ohio. Please forgive and remove from credit On XX/XX/XXXX account for XXXX XXXX was Opened, account is in good standing and paid off and updated on XX/XX/XXXX. No longer have credit card or access to it. PLease remove account from credit please

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 2020-06-20
Company: Experian Information Solutions Inc.
State: FL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the original Consumer Contract with my Signature on it or remove these accounts immediately. 

1. XXXX XXXX XXXX  Account number XXXX This is the response EXPERIAN has give me : Results Report Number : XXXX Date Generated : XX/XX/2020 XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

I HAVE NOT ASK EXPERIAN to verify the information on my credit report. I am requesting the original Consumer Contract with my Signature on. 

When I tried to tell EXPERIAN waht I want this is what there website said : XXXX XXXX XXXX Other reason Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 

I am demanding that this account be removed from my credit report if EXPERIAN can not provide me with the original Consumer Contract with my Signature on.

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 2018-11-05
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I file a complaint against XXXX XXXX XXXX with the XXXX  in regards to having no knowledge of an alleged debt in the amount of {$59.00} that XXXX XXXX XXXX IS INCORRECTLY REPORTING AGAINST MY SSN. I HAVE NO CONTRACT WITH XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX STATED THAT THE ONLY INFORMATION THEY HAVE IS MY NAME AND AN AMOUNT OF {$59.00} WHICH IS INSUFFICIENT VALIDATION. On XX/XX/XXXX XXXX XXXX XXXX received my official request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which includes a request to cease collection and reporting until they prove the alleged debt to be valid. On XX/XX/XXXX XXXX XXXX XXXX REPORTED continues to report incorrect debt against my ssn and have refused to cease collections and reporting after receiving my request for VALIDATION WHICH IS IN VIOLATION OF THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit this morning to see a collection account added for XXXX XXXX through enhanced recover co. I spoke with this company today in regards to this debt that I have never received notification for. When I spoke with the agent he said that they sent me a letter and that they got my account in XXXX but when asked when they sent the letter he then took back what he said and said sorry we have never sent you notification Im not sure how this happened but have already placed this on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Experian Information Solutions Inc.
State: OH
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:
I had a delinquent account with a credit score. I paid off the account in full in XXXX or so of this year. Filed a dispute they removed where it was delinquent but took my credit score to where it shows I have no score at all. How is it I had a form of credit but one bad mark against me. I pay it off. And it leaves me worse off then having a delinquent account. I thought it was to improve my score not take it completely away.

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 2018-11-05
Company: Ray Klein, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Clinic : XXXX XXXX Creditor : XXXX XXXX XXXX/Ray Klein Amount : {$3100.00} Judgement court : XXXX County District Court of Washington State Bankruptcy Attorney Lawyer : XXXX XXXXXXXX XXXX I am contacting you regarding erroneous reporting by a collection agency. 
In XX/XX/2016 I discharged in a Chapter XXXX Bankruptcy a medical debt for the Clinic and Collection agency. The debt was listed on my credit report from XXXX-XXXX for {$3100.00}. 
Now that I am applying for a home loan, the collection agency has a judgment reported for the same clinic that was discharged in the bankruptcy in XXXX. 
I have contacted the collection agency and so have my bankruptcy attorney with no prevail to have the judgement removed. 
Per my bankruptcy attorney, Ray Klein was notified, I double checked schedule E/F and they appear there and the court documents indicate they were served. 

What course of action can I take as this is holding up my progress of receiving a approval for my home loan?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation