BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2021-11-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XX/XX/2021 from XXXX, Equifax and XXXX. Through their toll free number XXXX, thats on their website annualcreditreport.com. But I only received a file from XXXX. Equifax and XXXX failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for Equifax for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. XXXX only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. I even sent an express overnight letter on XX/XX/2021 to them for my report and I have proof ; that they have received the request form in the mail but still, I didnt receive a file from Equifax or XXXX that is a violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I bought an XXXX through payment plan, loan amount : {$1300.00}, Monthly payment : {$52.00}, in XXXX  store @ XXXX XXXX mall in XXXX XXXX, Texas back in XXXX. 

Only after I started making payments. I learnt it's a loan from Citizens One bank. 
I have never received any statements in letter nor electronically since then. I called them this morning. They declined to send statements in form of physical letters because of they are " paperless '' company. They declined to issue me statements in form of PDF files either. All I have it's their web page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Technically the debt in question is because of a Doctor visit I had in XXXX. What the problem is, is I am on XXXX and I submitted both my XXXX  and XXXX  cards to both the doctors office and the debt collection company over two years ago. I contacted XXXX and they said if any claims were submitted they paid them. They also said they have NOT received any claims for this particular bill. When I sent the copies of the cards to the debt collection company 2 years ago. They sent back the paperwork from my Doctors office detailing the services I received from their office. Which I thought was against Hippa! Well it is now 5 years pass the date of delinquency for Oklahoma Statute of Limitations and neither the debt collector or the Doctors office ever filed a claim and now Equifax is refusing to remove the account off my credit. So I have done my part in all this and now have resorted in contacting this office. Also on my Equifax consumer notes I wrote on there 2 years ago about sending the debt collectors my insurance and it is still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I applied for XXXX XXXX checking account on the XX/XX/2021. The account application was successful according to the multiple representatives I have spoken to. I have called in multiple times for the status of the account. 

Till date, I have not been able to access my account and each time I am given reason of " engineering team is looking into my issue. '' This is not acceptable as I have limited time to complete an account promotion for which I applied before XXXX XXXX changed the terms.. The bank is not able to give me access to my account and I feel like it is literally dragging the process so that I may not get the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.

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 2019-01-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, On XX/XX/19 I received a letter from XXXX XXXX XXXX, a collection agency in XXXX, FL, on behalf of Toytoa Motor Credit. The notice was for a balance for {$980.00} for an unknown to me at the time services/fee/charge. I reached out to XXXX on XX/XX/19 to validate the debt and make the necessary arrangements to have this taken care of. I found out that this was the deductible balance owed on a leased vehicle through Toyota to which I was a co-signer for a XXXX XXXX as the primary account holder. XXXX and I do not live together, nor communicate so at the time I had no idea this balance was even owed. I never once received a call or letter from Toyota stating that the balance was due and if not paid the account would be forwarded to collections and listed as a charge-off on my credit report. Had it been made aware of the debt I would have seen to it that it was taken care of by XXXX and/or paid the balance off myself to protect my credit. 

On Saturday XX/XX/19 late evening I received a notification that Toyota had listed the account to the credit bureau as a charge off / collections account negatively impacting my credit score. I called XXXX on XX/XX/19 to find out what as going on and they indicated that this was coming directly from Toyota. After calling Toyota to dispute this listing the CSR was not helpful, quite rude, and I got nowhere. The line I was told over and over again was " we are contractually obligated not to speak to you about this account ''. Even though they are the ones who are reporting this to the credit bureau. I'm writing to you today in hopes that this will create some buzz and ultimately get Toyota to remove this from my credit report as the debt was never validated and now they are screwing up my score. 

I would like to make it very clear that XXXX XXXX has been great to work with. My issue is only with Toyota Motor Credit Corp! 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 Fayservicing served me a summons and I had 30 days to respond. I took off work and went to the court house to respond to the summons only to find out there was not record of me being summons. I received an email to come to court regarding my property I took another day off work and went to court only to find out I was not on the docket to come to court. I spoke to my account Representative XXXX XXXX mid XX/XX/2018 he asked me what did I want to do with the property I told him I wanted to do a modification he told me I didn't qualify for a modification I need to sale the property because I had equity and Fayservicing would not work with me. I told him I tried to sale the property and didn't get a buy so I was going to rent it out. I told him I have a potential renter that will move in XX/XX/2018 and I would apply try again to apply for a modification. My rented moved in and I submitted the modification application and a copy of the lease. I received a letter requesting more information and was told I have until XX/XX/2018 to submit the additional information. I find out on XX/XX/2018 Fayservicing is harassing my tenants going to the house asking them who really owns the house and they have a letter for me from the mortgage company. Fayservicing knows exactly where I live and could have sent or brought that letter directly to my house. Im really starting to feel harassed and frighten. What else will they do besides harass me and my tenants. I was told by a consumer counsel they are predatory lenders. Can you please help. The additional person is my tenant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
EXPERIAN HAS BEEN REPORTING INNACURRATE BANKRUPTCY INFORMATION UNDER THE PUBLIC RECORDS SECTION OF MY CREDIT REPORT. YOU WILL FIND SUPPORTING DOCUMENTATION THAT PROVES EXPERIAN NEGLECTED TO INVESTIGATE THIS INFORMATION DESPITE SEVERAL REQUEST DATING BACK TO XX/XX/2016! 

EXPERIAN HAS BLATANTLY IGNORED MULTIPLE REQUEST TO REMOVE THIS BANKRUPTCY OFF MY REPORT, CLAIMING THE INFORMATION HAS BEEN VERIFIED BUT REFUSING TO PROVIDE ANY DETAILS ON THE METHOD OF VERIFICATION WHICH HAS BEEN REQUESTED NUMEROUS TIMES WITH NO RESPONSE. 

I EVEN PROVIDED EXPERIAN WITH A LETTER DIRECTLY FROM THE GEORGIA XXXX DISTRICT BANKRUPTCY COURT STATING THEY DON'T VERIFY ANY INFORMATION WITH 3RD PARTY REPORTING AGENCIES. THIS PROVES THAT EXPERIAN 'S CLAIM TO HAVE VERIFIED THE INFORMATION IS COMPLETELY IMPOSSIBLE BECAUSE THE COURT IS THE ONLY ONE WHO IS ABLE TO VERIFY THAT THE INFORMATION IS ACCURATE. EVEN AFTER BEING PROVIDED WITH THE LETTER, EXPERIAN RESPONDED AGAIN BY CLAIMING THEY VERIFIED THE INFORMATION, OBVIOUSLY INDICATING THAT NO INVESTIGATIONS ARE EVEN BEING PERFORMED AT ALL, EXPERIAN 'S JUST AUTOMATICALLY RESPONDING WITH THE SAME EXACT VERBIAGE FROM THE INITIAL DISPUTE IN 2016 WHICH IS COMPLETELY UNACCEPTABLE AND VIOLATES THE FCRA! 

I ALSO PROVIDED DOCUMENTS TO SHOW THAT EXPERIAN HAS A LONG HISTORY OF REPORTING INACCURATE PERSONAL IDENTIFIABLE INFORMATION ON MY CREDIT REPORT. FROM 2016 TO CURRENT YOU CAN SEE THAT EXPERIAN REPORTED SEVERAL VARIATIONS OF THE WRONG SOCIAL SECURITY NUMBER, UNKNOWN ADDRESSES, EVEN THE WRONG NAME ON MY REPORT. I FIND THIS ENTIRE SITUATION COMPLETELY UNACCEPTABLE AND DEFINITELY UNFAIR. I'M ON XXXX XXXX AND HAVE SERVED FOR 14 YEARS IN THE UNITED STATES XXXX BUT DUE TO THIS INACCURATE INFORMATION I AM UNABLE TO EVEN GET APPROVED TO PURCHASE A HOME FOR MY FAMILY USING THE VA LOAN. I AM FORCED TO LIVE APART FROM MY WIFE AND CHILDREN DUE TO MY LOCATION UNDER MILITARY ORDERS AS A RESULT. PLEASE HELP ME IN GETTING THIS INFORMATION CORRECTED. THANK YOU FOR YOUR CONSIDERATION.

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 2021-06-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out via email on XXXX.21 and asked who this company was and why they put two different accounts on my credit report, the person responded and was like oh we sent your account over to collections. 

I called them on XXXX2021 ( the collections dept. ) and inquired about the debt. I provided my name, ssn, and dob. None of the identifiers provided matched that account. All they had was my name and an address that I updated thru the postal service. The representative was like I'm not sure what's going on. Put me on hold and then hung up. 

I called the XXXX XXXX  company on XXXX.2021 and told them about the conversation I had with the debt collector. I provide all of the same identifiers and they were unable to attached that account to me besides name & address. I asked them to remove this from my credit profile because this was wrong. I was told someone would follow up with me today and nothing has happened. 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 2017-12-22
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is still being reported on my credit report. it is over 7 half years old and need to be remove. violate of fcr 611.

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 2021-11-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
While traveling my credit card was locked by Chase bank. I wasnt able to use the card at all, luckily I had one other card ( non-Chase ) with me or else I wouldve been unable to buy food or anything at all. 

Shortly before it being locked I purchased a flatscreen from XXXX. I tried to call chase but was routed endlessly through their answering system and got a message that the offices were closed on the weekend. I was unable to unlock my card all weekend until after I finished travel and returned home. 

When calling on monday, the rep unlocked my card but refused to say what I could do to prevent this from happening in the future. I asked if it was due to travel and he said purchasing a flatscreen was a high risk activity and thats why the auto system locked me out. He was also very rude and condescending, and didnt sound like a domestic US rep. 

A major bank like Chase should have 24/7 support even on weekends, their reps should be US based on the weekdays at least. And I should be able to make normal purchases like TVs for {$300.00} without being locked out. Also, train your reps for a service attitude! The person I spoke to kept interrupting me and couldnt wait to get me off the phone without verifying if he resolved all my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX  : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX  : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX  - AUTO FINANCE : XX/XX/2021 XXXX  : XX/XX/2021 XXXX XXXX : XX/XX/2021 XXXX XXXX DEALER SERVICES : XX/XX/2021 XXXX XXXXL : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year when I was giving an opportunity for a forbearance due to my father passed away from XXXX XXXX XXXX servicing company alloyed me three months to pay from XXXX a month to XXXX and I completed that process and then I started making my regular payments then XXXX was showing for now 10 months as if I havent made a payment which did come out of my checking account and then XXXX XXXX sold my account to another agency called Sn servicing Corp and I was on another 3 month forbearnce due to the passing of my brother of covid and I continued to pay per the agreement for three months XXXX versus XXXX which then they increased to XXXX which was higher than what my I signed for in my original loan contract in 2004 with my mortgage and I have taken notice that both companies are making adjustments not to escrow put to my interest and principal that I signed for legally in a contract of my mortgage. Im extremely upset that these violations are being allowed with out being audited when a transfer of loan is being sold to another servicing company. I have emailed and contacted Sn servicing at the following number XXXX to speak to someone to get this fixed and I have left a message and emailed them and no one has done anything regarding this. Im extremely concerned of the recording keeping of my loan and the hassle Im going through. I contacted XXXX XXXX at XXXX a text XXXX and no call back or anything at all. This is stressful and shouldnt be happening at all its been a little over a month of losing my sibling to XXXX and no one should have to go through this ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
GOLDMAN SACHS SAVING ACCOUNT. 
Ive open an account and funded them, 6months after, they just closed my account and didnt send me my funds XXXX XXXXor more!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Addition to previous complaint All Rushmore say they need 30 to 45 days to research a complaint also now being told that submission of a mortgage modification will not stall foreclosure when they have been saying all along it would. So now turning in a modification pkg while it takes them another 30-45 day to review that also they could still sell our house also will not provide a one on one loan processor customers cant talk to processors you just get whoever answers the phone.

I have no trust in this company I am afraid everyday what they might will or not do it is affecting my home immensely. 

My husband is a XXXX veteran I am fighting a medical issue which was reason for default in first place then covid hit I am scheduled for medically necessary XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am on unemployment and we have no where to go the least they can do is a trial modification period or a forebearance. 

They lack compassion, Customer care is horrible, they lie, threaten and bully you never get off of a call or receive something in the mail that gives you any hope. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation