BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
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: Information belongs to someone else

Complaint:
I've had this provblem for a long time. I've submitted the proper documents stating that I was a victim of Identity Theft. The issue remains and it is effecting my personal life and credit score.

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 2018-11-14
Company: National Credit Systems,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:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

NATIONAL CREDIT SYST XXXX {$3000.00} XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Approximately a year and a half ago I applied for a home equity loan through KeyBank. After several months of being put off I was informed in writing that I was approved and I needed to make a trip to Ohio to sign the necessary paperwork. I expressed my concern because of XXXX and my XXXX XXXX about traveling. I was told that my brother could use power of attorney to complete the transaction for me. My brother made two trips to Ohio from Florida to no prevail the first time the paperwork was not done the second time the paperwork had some errors. I was forced to make the trip myself I was told to come to the local branch in XXXX Ohio all the necessary paperwork was ready guarantee there will be no issues. After arriving in XXXX Ohio I contacted the bank and was informed once again the bank and made errors. I was asked to stay a few extra days at my expense. I did so then I was informed that the bank had some paperwork to fix and the loan will be done soon. Meanwhile pending this whole time I had a purchase of a house I lost because of delay delay on KeyBank side. After approximately another week I got a letter denying me my loan after being told numerous of times while loan was approved. I was in contacted by a lady name XXXX that offered me {$1500.00} for my inconvenience. I found that insulting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Started loan modification XX/XX/XXXX. Have submitted XXXX documents numerous times uploaded to Mortgage co website and XXXX letters. Every time I call with questions based on logging into their website I never get the same person. I have been told we dont qualify, rude employee who stated my husband works XXXX she entered into their system now additional information required, ( he had a complete XXXX XXXX and I have applied for SS XXXX, we have only SS income ) different states answers Oregon Texas etc. so need to talk to supervisor. Never get the same answer ever Been Told Underwriters are processing the application. Sure, that is why we have to upload SAME documents again and again. What are they looking for? Not one person from mortgage co has called us to help us with our application. I have asked please someone help us We have owned our home XXXX  years and have plenty of equity. Good luck to anyone else who gets old has numerous medical bills and lower income. Since home values are up in our area and equity in our home. Probably will let it go into foreclosure we cant possibly use our social security to pay for the large payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MY NAME IS XXXX XXXX I AM ON TITLE AND MORTGAGE BUT NOT ON NOTE BUT RECEIVED A RIGHT TO CURE NOTICE WITH MY NAME AND BORROWER XXXX XXXX XXXX ON XXXX XXXX XXXX XXXX  MA XXXX   carringtomn mortgage in violation of MGL 244 35 .right to cure received was only 90 day should gave been 150 day.carrington mortgage did not fullfill all guidlines ounder mgl 244

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC MOBILE Banking has a plethora of issues, including, but not limited to, frequent online banking and mobile app maintenance and down time, issues connecting with third-party companies through Online Banking, issues keeping balances up to date and accurate on checking accounts, and an issue where posted transactions change frequently either adding or subtracting from available balance and causing difficulty managing account and making it easier to overdraft and then get charged several Overdraft fees of {$36.00} each. When confronted with these issues, PNC employees deny any liability for such instances and blame the companies that charge the account, saying that it is their systems and how they bill my account that makes my account so inconsistent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-14
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
KINGS CREDIT SERVICE Placed two Collection accounts on my credit file back on XX/XX/XXXX and XX/XX/XXXX for services that had nothing to do with me, but with my daughter. I did not sign any paperwork for her Doctor 's visit as she was taken to all of her appointments by her mom. The accounts were paid in full but they placed them on my credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
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: Information belongs to someone else

Complaint:
XXXX XXXX charge me for a charge that was not mine sent the police report that my items were stolen that a laptop and XXXX so my pw was saved on it violation or cra, ncac for credit unions XXXX showing incorrect amount costing me a loan usage and XXXX line of credit not showing with no balance making my usage of credit high

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 2020-04-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-11-14
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a phone call from one of my past colleges ( XXXX XXXX XXXX College ) notifying me that I had loans that were close to defaulting. I had never elected loans and had not been aware of any student loans in my name. I got in contact with the loan provider and found out that there were 12 loans in my name totaling nearly {$30000.00}. I made two payments soon after the initial phone call totaling {$2000.00}. After seeking advice, I mailed the Great Lakes two letters requesting copies of the loan document ( s ) and proof that I had taken the loan and requested that my credit score be restored due to being unaware of the loans. The letters were dated XX/XX/XXXX. 

On XX/XX/XXXX, Great Lakes provided a copy of the loan document. The loan document bore a digital signature, providing no proof of the identity of the person who took the loan. The document listed my name, but was missing all other personal information ( birthdate, social security number, and driver 's license number ). Furthermore, the document did not suggest that I would have ever received any communication regarding the loan as the document listed a mailing address, email address, and phone number that were not my own. 

Legal counsel was sought and I am mailing an additional letter to Great Lakes in response to the loan document provided. I am requesting a response from Great Lakes within 30 days of receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card was stolen out of my planer and I did not realize until I received my statement. I reached out to Citibank to dispute fraud charges on my account. XXXX issued credit for all charges then a month later did a charge back and closed my account. They will not talk to me via phone to resolve and said i must write into them. I want all fraud charges credited back to my account and account to remain closed.

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 2020-10-26
Company: EQUIFAX, INC.
State: NY
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 have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is XXXX  and the other is XXXX  XXXX XXXX. For some reason they are not reporting to XXXX, equifax and XXXX  any help here would be greatly appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AD ASTRA RECOVERY SERVICE FOR XXXX XXXX  IN XXXX, TEXAS, THE TEXAS STATUS OF LIMITATION ON DEBT COLLECTION AGENCY IS 4 YEARS AND THIS DEBT IS 6 YRS 6 MONTHS, IT WAS REMOVE FROM XXXX   CREDIT REPORT, XXXX CREDIT REPORT BUT XXXX WILL NOT REMOVE THIS COLLECTION AGENCY FROM MY CREDIT REPORT, I HAVE DISPUTED IN WRITING THAT THE TEXAS STATUS OF LIMITATION 4 YRS HAS EXPIRED THAT THE COLLECTION AGENCY SHOULD BE REMOVE FROM MY XXXX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA
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 never Borrowed the amount of money this law firm from XXXX XXXX is trying to get, they are reporting inaccurate amount of fees and penalty on my credit report stating that i owe them XXXX which i never borrowing from any credit card company. i disputed this account directly with the with this law firm, i never got any original contract, no supporting document, they only send me a copy of purchases made on that account but no proof that i own this company but the derogatory marks remained on my report. If they are n't able to remove this negative that 's really affecting my family live, i will like them to provide full verification and contract of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CMG MORTGAGE, INC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started my modification back in XXXX with the help of legal aid services. My modification was completed in XXXX of XXXX. I have been trying to get a copy of the final modification paperwork from CMG mortgage for a year now to no avail. I also was out with Covid 19 and not being paid. I work for XXXX  and plan to return to work the XXXX of XXXX. CMG stated that the would put me in forebearance but that i would have to pay a lump sum when forebearance ends on XXXX XXXX but they never sent any paperwork. CMG has tacked on numerous fees towarda my balance, some that i do no believe to be legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
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: Account status incorrect

Complaint:
On my Equifax Credit Report, a derogatory mark is listed for " XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX '' for {$100.00}. This company has been trying to collect this " debt '' from me for years. I have not had a XXXX account since XX/XX/XXXX ; however, this debt is listed as being opened on XX/XX/XXXX. 

When I switched internet services in XX/XX/XXXX from XXXX to XXXX, a final bill was sent to me and I was to return the company 's equipment. I returned the equipment to one of their locations and paid my final bill at that time. I do not even have the checking account I used to pay for this final bill anymore as I closed that a few years ago. 

I have previously had this debt removed successfully from my credit report, and now it has magically shown back up as apparently a brand new debt. The debt should not be there at all, but it should certainly not, under any circumstances, be listed as having been opened in XX/XX/XXXX. That seems particularly fraudulent and as if XXXX is trying to get around the previous removal of the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
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 was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Again these accounts are not mine and if they are not removed I will just have to go to the next step. This isnt fair that I have to go through so many loops to get these remaining items removed. XXXX  XXXX, Chapter XXXX Bankruptcy Discharged, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On my TransUnion Credit Report, I have three hard inquiries listed ; however, two of these inquiries are for the same home loan. " XXXX '' inquired on XX/XX/18 and " XXXX XXXX XXXX '' inquired on XX/XX/18. These are just about within a week of one another and were for shopping for a good rate for a home loan. From TransUnion 's own website on " Credit Score Myths '' they state " If youre shopping for a loan and concerned about harm to your score, know that multiple loan inquiries within a period of a few weeks are usually treated as a single inquiry to minimize impact. '' That is exactly what was done here, yet my score has been impacted negatively for this.

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 2021-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 have reviewed my credit profile and have noticed the alleged account CAPITAL ONE BANK USA NA ) that Is reporting to the bureau ( XXXX ) with a number of Discrepancies in the alleged account ( NAME OF CREDITOR **CAPITAL ONE BANK USA NA** ), ( MINIMUM MONTHLY PAYMENT {$0.00} ), ( PAYMENT HISTORY 88 % PAYMENTS ON TIME ), ( LAST REPORTED XX/XX/2020 ), ( NO TERMS INFORMATION IS REPORTED ), ( WORSE PAYMENT XXXX DAYS LATE ), ( CONTACT ADDRESS CAPITAL ONE BANK USA NA XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX USA ). 


However, the credit bureau ( XXXX ) is reporting the alleged account as ( NAME OF CREDITOR ** CAPITAL ONE BANK USA ** ), ( MINIMUM MONTHLY PAYMENT -- ), ( PAYMENT HISTORY 90 % Payments on time ), ( LAST REPORTED XX/XX/2020 ), ( payment status : new account ), ( NO TERMS INFORMATION IS REPORTED ), ( WORST PAYMENT STATUS -- ), ( CONTACT ADDRESS : CAPITAL ONE BANK USA XXXX. XXXX  XXXX, VA XXXX USA ). 

If this is the same creditor, the information would not be different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I downloaded the XXXX app. I seen that my credit score was very low. I checked what was bringing my credit down and it was some medical debt bills that was not me going. These are the following : ARS Account Resolution dated XX/XX/XXXX for the amount of {$1000.00}, ARS Account Resolution dated XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$870.00}, XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$600.00}, and XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$1300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: PA
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:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX  XXXX Balance : {$510.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Shellpoint, the servicer is rarely available to assist with my account. I emailed and called and left messages with little to no response from the " point of contact '' representative. I have waited on hold for over 3 hours plus to attempt to make payments. I spoke with a manager over 2 months ago to report the issues and was told he'd call me back but he never did. My account was transferred from XXXX  at the end of XXXX  in an approved status for a  modification and I just got the paperwork. They sent me documentation that was incorrect. This has been the most stressful and frustrating process I've ever experienced. The unreturned communications occurred countless times. I've complained to several representatives and management of the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation