BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: KEYCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a promotional brochure from Key Bank advertising that with a new account opened at Key Bank with a deposit of at least {$500.00}, Key Bank would credit the new account {$400.00}. A copy of the promotional brochure is attached. I opened the new checking account and transferred {$500.00} on XX/XX/XXXX. The funds I transferred were never credited to the new account with Key Bank. Upon questioning Key Bank, they stated that my funds had been received but were restricted for some reason. I have made phone calls, sent emails, and visited the local Key Bank branch trying to at least get my {$500.00} back. 12 days have now passed since Key Bank received my funds. I have yet to receive a substantive response or resolution regarding this issue. As a consumer, I don't know what recourse is available to me to pursue an organization that simply takes my money and feels no responsibility to address the fact that the money I sent does not belong to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-16
Company: Colony Brands, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
What happened? 
In XX/XX/2018 I disputed a item that was incorrect on my credit report. The incorrect item which is XXXX XXXX. The credit report agency reported that the item was verified. I sent a certified letter to XXXX XXXX requesting validation, made pursuant ton the fair debt collection practices ACT. I ASLO REQUESTED COPIES OF THE ORIGINAL CONTRACT WITH THAT ACCOUNT BEARNING MY SIGNATURE FROM XXXX. WHICH IAM entitled to see the proof of verification in XXXX. XX/XX/XXXX, XXXX to the address reported on my credit report which is XXXX XXXX XXXX XXXX WI XXXX the letter was sent certified. I have the receipt showing that they received the letter and I sent the letter via certified. and they have failed to respond to my letter and request and they are in violation of the fair debt collection practices 807-8. Defamation, Negligent enablement of identity fraud, violation of the fair credit reporting act. today is XX/XX/2018 and they have not responded to me.they received and signed for the letter on XX/XX/2018 today is the XXXX day and I still haven't received my request XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX the legal counsel for the alleged owner of my mortgage and note served by US Mail a 'Notice of Default ' on my mortgage. This notice quotes their compliance with the FDCPA and among other things lists five ( 5 ) specific items. Included is the name of the alleged debt/note/mortgage holder and my 'right ' to dispute this within 30 days. 

The true owner and holder in due course of my note and mortgage has been in dispute for over 6 years, and in an effort to establish the facts that would help me to understand 'who ' really has a legal claim against my note/mortgage, I formally responded to the request from the allege lender 's legal counsel, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , SC XXXX. " Notice of Dispute and Demand for Validation of Debt and Proof of Claim, on XX/XX/XXXX. This request was signed for and delivered to the law firm mentioned above within the 30 days allowed to respond. 

As of the filing of this complaint, XXXX XXXX XXXX XXXX XXXX has not responded to my formal dispute/request and has proceeded with the attempt to foreclose on my home. 

In addition, XXXX XXXX XXXX XXXX XXXX has served me with a formal foreclosure, Interrogatories, Production of Documents and Admissions, all of which have been answered in a timely manner by myself. I am representing myself Pro Se as I do not have the resources to defend myself in any other way. 

This law firm is acting upon the direction of OCWEN LOAN SERVICING, LLC and indirectly XXXX XXXX XXXX. They are clearly a licensed 'debt collection ' company here in SC, and should be accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I reported to TransUnion an incorrect address they had me listed at. This was about mid XXXX. I explained in my dispute that I had never lived at that address nor had I ever received mail there. I have never even lived in that city. They refused to remove the address saying it had been reported by a creditor and that the creditor had to change the address. I checked with my list of creditors and did find incidence of that address on several accounts serviced by the same financial institution. I immediately deleted that address from my accounts, removed my personal banking information as well as changed my passwords for the accounts. I then sent secure emails to each creditor verifying the above facts that I had never lived at that particular address. The creditors all stated that they showed my current address which was correct. They stated they had the other address that showed which was incorrect for only about 3 weeks. It had since been deleted. So with my current address being the only address they show, TransUnion should be able to remove that address which does not belong, nor has ever belonged to me. When I try to dispute the address again to have it removed I am told by their website that it is not an option. This makes no sense to me as there are no creditors reporting this address and I have already confirmed I do not live there nor have I ever. This could cause me problems in the future when I apply somewhere for credit and this is the main address showing in my file. There is no place to remove 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 explanation
Consumer complaint received 2018-08-16
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:
I recently obtained my credit report through TransUnion in XX/XX/XXXX & noticed I had 9 unauthorized hard inquiries on my credit report. I contacted all the companies and after speaking with them they looked into there records and were unable to provide any proof of these inquiries. I sent a letter to TransUnion on XX/XX/XXXX in order to get them deleted, I never heard back and contacted them through phone again on XX/XX/XXXX and they were not willing to help me. I have listed all the unauthorized inquiries below along with dates. 

-XXXX XXXX on XX/XX/XXXX -XXXX  on XX/XX/XXXX -XXXX XXXX XXXX via XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX XXXX  via XXXX on XX/XX/XXXX -XXXX XXXX via XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/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 2019-05-21
Company: Arbor Professional Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ARBOR PROFESSIONAL SOLUTIONS CLAIM THEY CONTACTED THE CREDIT BUREAUS TO HAVE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT FILE ON XX/XX/2019 FROM THE CREDIT BUREAU AGENCIES. THEY RESPONDED TO A COMPLAINT MADE BY MYSELF MAKING THIS STATEMENT. 
I CONTACTED XXXX ON XX/XX/2019 AND SPOKE WITH A REPRESENTATIVE BY THE NAME OF XXXX XXXX. MR XXXX CONFIMED THAT ANN ARBOR PROFESSIONAL SOLUTIONS DID NOT CONTACT XXXX ABOUT THIS ACCOUNT AS THEY CLAIMED IN THE ORIGINAL COMPLAINT MADE AGAINST THEM. MR XXXX SAID THAT THE LAST TIME THIS COMPANY CONTACTED XXXX  WAS IN XX/XX/XXXX OF XX/XX/2019 
IT SEEMS AS THOUGH THIS COMPANY IS REFUSING TO HAVE THESE ILLEGALLY REPORTED ACCOUNTS REMOVED FROM MY CREDIT REPORTS. 
THEY MADE A DISHONEST STATEMENT IN WRITING THAT THEY CONTACTED XXXX ON XX/XX/XXXX WHEN IN FACT THEY DID NOT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled my service with XXXX XXXX XXXX because I was moving, and had my internet, phone services bundled with another company. Payment to XXXX prior to cancellation was through bank drafts. XXXX continued to draft after cancellation. The bank told me the only way to get my money back from the draft was to file a fraud report with them, which I did. The bank repaid the money taken out of my account. 

XXXX continued to try to collect. I wrote a letter after threats from them. XXXX sold the account to some other collection agency, who called constantly to collect, even offering to reduce the amount I owed. Wrote letters to that collection agency. Another company continued to call for a while, each time I explained the circumstances. 

However I see there is a {$50.00} unpaid amount on my credit report from some collection agency. 

Also, the lien from XXXX County was placed in error, and has since been removed. 

I have never lived in XXXX, N.C. Rental property of my father 's, and I had utilities activated in my name for repairs to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with American Express that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-05-26
Company: Resurgent Capital Services L.P.
State: AL
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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I submitted a dispute to LVNV Funding ( a debt buyer ) to delete the inaccurate information from my credit report. As of today XXXX XX/XX/XXXX ), LVNV Funding continues to break the law by reporting erroneous, unverified, and inaccurate information on my credit report. LVNV is a CA and not a factoring company ; thus, I have no contract with this company. Further, this company has not proved they own the debt ( as they would have to do in a court of law ). Statements with my name are not " proof '' they own the debt. I've even sent letters to LVNV and they have failed to validate the debt. Moreover, the account is reporting inaccurately and is in violation of FCRA. I have no agreement with this company. I would like this account deleted from my credit report based on violations of FCRA and FDPA. LVNV Funding is a typical debt buyer who violates the law and fails to prove they own the debt as a judge would require in court or validates the debt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Usaa locked all of my accounts with no notice, and will not tell me why, we went through our charges making sure nothing was fraud with the fraud department, all we were told is that it was being investigated by the " back office '' and they couldn't tell us anything for at least 3 more days where we would be unable to access any of our money at all, we can not withdraw, we can't use our cards, our credit is being directly affected by our inability to pay bills because of this restricted access, and we can not buy food or gas. This is insanely unacceptable especially when no reason is being given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
ON XX/XX/XXXX, MY CHECKING ACCOUNT WAS DEBITED XXXX BY A MERCHANT NAMED XXXX XXXX XXXX I 'VE NEVER DONE ANY BUSINESS WITH NOR DO I KNOW WHO THIS MERCHANT IS. I DISPUTED THE TRANSACTION WITH MY BANK AND THEY TEMPORARAILY CREDITED ME BACK THE XXXX ONLY TO TAKE THE MONEY BACK ON XX/XX/XXXX ALLEGING THAT THE MERCHANT PROVIDED THEM WITH DOCUMENTATION WHICH IS FALSE AND BOGUS. I 'M EXTREMELY UPSET BY THIS INCIDENT AND I WANT THE MATTER INVESTIGATED IMMEDIATELY.

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 2022-02-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XX/XX/22, I am very upset with this matter. I sent letters, and police reports via mail regarding fraudulent inaccurate account on my credit report. I also faxed in letters and police reports to Equifax. I feel like Equifax is taking advantage of me by ignoring my disputes and not removing inaccurate account from credit report even after I've provided proof multiple times. Section 611 ( a ) states that failure to investigate these items within 30days gives a reason to immediately remove promptly but month after month Equifax has yet to do so. Due to that law I researched, I demand this account be deleted immediately or I will file litigation due to the stress you cause me. I am begging for help at this point. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX I placed a call to Experian after reviewing the latest copy of my credit report provided to me by XXXX XXXX. Upon review I noted multiple inquiries that I did not authorize or have knowledge of. I called and spoke to a representative who said there was nothing they can do. That I need to contact each creditor individually and the could remove the inquiry by faxing them. As I began calling creditors they said it was the responsibility of Experian to remove such inquiries. I have placed fraud alerts on all 3 credit bureaus and I request that the inquiries that are invalidated/fraudulent be deleted from my credit report. XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/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 2020-05-01
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
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, I had a test reading from XXXX  XXXX XXXX  XXXX. They filed a claim with XXXX  for {$1300.00}. XXXX  paid them on XX/XX/XXXX for the approved amount of {$81.00}. On XX/XX/XXXX, XXXX XXXX XXXX  XXXX was paid for a claim filed with XXXX XXXX for the remaining balance {$20.00}. Those two payments completed all amounts due and my balance was XXXX. Many months later I received a letter from CMRE Financial Services , Inc . The letter threatened to submit a negative credit report to XXXX  and XXXX if the balance listed on the letter was unpaid. They offered 4 methods you can use to pay Creditor XXXX XXXX XXXX for the amount of {$380.00}. No date of service was supplied and an arbitrary amount of {$380.00} did not exist in any claims. I called XXXX XXXX XXXX   XXXX and was told that the account was sent to collection CMRE and they could not help me with a billing problem because my account was sent to CMRE. I was told that CMRE does all of their billing. I contacted CMRE via phone and tried to find out what this bill was. They told me to request anitemized Bill which was dated XX/XX/XXXX for {$380.00}. It did not include a procedure, only a date of XX/XX/XXXX and a balance due of {$380.00}. I was not successful getting CMRE to acknowledge a balance of XXXX based on my claims for that date. Today, they did exactly what they threatened. The put a negative collection report on XXXX that I was notified of today. I contacted XXXX to dispute the report and they told me that I must get CMRE to take this collection report off my account. As a result, my credit score decreased 122 points from a normal score in the 800s. So, Im trying to get a fraudulent charge for collection removed from my credit report by those that fraudulently put it there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2018 I paid my collection XXXX. I did contact the collector and they sent me a letter showing that they reported it being satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Currently CFPB is working with my complaint XXXX. While the issue of my missing payment is being investigated, Loancare reported my account as delinquent and ruined my 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 explanation
Consumer complaint received 2019-10-08
Company: GREAT LAKES
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credence Resource Management has called my office phone number multiple times a day for awhile. When I do answer, there is no one on the other end and it hangs up within about 5sec. They never leave a message. I have no idea what this could be about. I do not have any delinquent debts and I check my credit report annually for fraud. Below are the dates and times they have called as far back as my phone tracks : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage loan was closed on XX/XX/XXXX, and the remaining amount for closing was paid by me on XX/XX/XXXX to the Titling Company. I was not aware that the Title Company would take 48hrs to post the payment causing the payoff to post to Roundpoint Mortgage on XX/XX/XXXX. This in return caused the XX/XX/XXXX monthly payment to be reported as a 30 day late payment to Roundpoint Mortgage. The property that Roundpoint Mortgage was servicing was sold. 

I have contacted the creditor and explained the situation a number of times. I also sent the creditor the letter from the Titling Company showing that is was by no fault of me that the payment was paid on XX/XX/XXXX instead of XX/XX/XXXX. The creditor informed me that it was n't anything they could do about it because they have to report the date the payment posted regardless of what I have informed them. I was current with all my monthly payments due to the creditor the entire time that I had the loan which should further prove I was not trying to be late with any payments..

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