BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
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: Account status incorrect

Complaint:
My mortgage company, XXXX XXXX, sold my mortgage to their sub servicer company, XXXX. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A XXXX XXXX  representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on Transunion and XXXX  as those reflect the 15 point reduction. XXXX  hasn't updated this yet.

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 2018-11-08
Company: Allied Account Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was receiving gas and electric services from XXXX XXXX in Rhode Island, then closed my account when I moved out of state. I received a bill for services, then a reimbursement check for overpaying. I cashed the check thinking that my account was successfully closed now. Later, I received a letter from Allied Account Services on XX/XX/18 for {$120.00} stating that it was a attempt from a debt collector to recover a debt. This has shown up as a derogatory mark on my credit report. I disputed with Allied, who stated they would contact XXXX XXXX. I was sent information stating that there were 2 accounts, one for gas and one for electric, and I had overpaid on one and underpaid on another. Despite receiving a reimbursement check ( and thinking payments were appropriate once the check was cashed ), I still owed on my other account. I contacted Allied again and requested a pay for delete agreement. An Allied representative told me she could take payment and that XXXX XXXX had just started allowing them to tell customers that the mark would be deleted from credit reports within 30 days from date of payment. I asked for this in writing but was declined. I did not make the payment. I called XXXX XXXX and again requested a pay for delete agreement in writing, and a representative told me that this wasnt possible and also the derogatory mark would not come off within 30 days, but I would have to dispute in order to have it removed. I did not make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Lock Card function feature do not work as they advertise on their website : " No one can use a card while it is locked, including you. You can turn it back on anytime- When you lock your card, it will instantly prevent new charges on this card. 
All of these charges will be declined : In-store, Online, In-app & Phone Purchases. 
Any cards with the same card number will also be locked '' I made booking reservation with XXXX XXXX XXXX on my trip to XXXX XXXX. When I arrive in XXXX XXXX on XX/XX/, the taxi took me to the wrong XXXX XXXX XXXX. I had a dispute with them. They insisted on charge me one night for no show ( {$110.00} ). So I made an oversea call back to Capital one credit card to lock up my card so that the disputed charge could not go through. When I came back to USA on XXXX, I checked my account website and credit card was still locked. So I locked it up again. 
A couple days later, to my surprise, the disputed charge of {$110.00} went through and charged my credit card. I immediately called the credit card company to complain about this unlocked charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX  # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my Experian, XXXX XXXX, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.

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 2018-11-08
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I bank with Keybank. On XX/XX/2018 they charged a fee for an annual rewards relationship to my account for {$40.00}. I have a letter from them stating they are stopping the program and will no longer be charging that fee. As a result, that charge resulted in a NSF of {$37.00}. Those two fees took be negative and kept it that way thus generating further fees. If those fees had not happened ( as per their letter ending the program the fee was charged for ) none of the other fees would have happened. I have calculated daily and would have had a positive balance with deposits and debits. I am asking for {$170.00} in NSF fees from XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX as well as the {$40.00} fee. Total of {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: AR
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 recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$1700.00} XXXX XXXX {$54.00} XXXX   XXXX {$98.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$210.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX {$1800.00} XXXX XXXX {$1400.00} XXXX XXXX {$450.00} XXXX XXXX {$710.00} XXXX XXXX {$120.00} XXXX XXXX   XXXX {$710.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} DEPTEDXXXX   XXXX {$5500.00}

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 2018-11-08
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The year of XX/XX/XXXX Tax information was amended. I owe a XXXX balance by the social security administration. It's when I applied for XXXX that i started receiving these harassing phone calls and letters. This is a collection agency i never heard of false information. I don't owe {$5700.00} to the Irs. I wasn't working in XX/XX/XXXX and XX/XX/XXXX. I only worked for the XXXX XXXX XXXX and that was only years. I'm being harassed by a company named conserve. I don't know them and never did business with them. I owe student loans. By the Department of Education that i must pay monthly. It's not fair that I am being harassed every day. I have a freeze on my credit report. How was they able to biy this account and harrass me. I send in all documenations disputing this claim. And they still are trying to collect a debt i donot owe. At all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I mailed out 4 Certified letters to the collection agency that are on my credit report, asking for validation of Debt and HIPPA authorization, I have yet to receive my proof of signature. In XX/XX/XXXX I mailed out Certified envelops and all the paper work to show proof that they didn't provide me my request to the three credit bureaus they did remove some of the medical collection, I am still waiting on the 7 collections to be removed, They never responded to my letters and its way over due, and I get denied for credit loans. Its very frustrating when I'm working really hard on my credit and the credit bureau does half of a job. I see from my XXXX XXXX that XXXX is reporting 6 of the medical collections, and XXXX is reporting 14 of the medical collections and XXXX  is reporting 13 of the medical collections that should be off my credit report. and also I have disputed on XXXX XXXX   and they did investigate and found in my favor with XXXX XXXX that they are reporting back in XX/XX/XXXX of a late payment I have NEVER paid late, my payments are made early or on time never LATE. And thats still on my credit as well.

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 2018-11-08
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX @ XXXX from XXXX Ohio contacted me today at XXXX XXXX PST from XXXX with a recorded message that " my refusal to sign for a summons could result in negative action against me in court. '' When I was connected to a live person I was informed that they were contacting me regarding a prior loan/debt from XXXX XXXX dating back to XX/XX/2007and a vehicle purchased for my ex-wife. Their representative informed me that this was a " courier '' message related to " pending litigation. '' At that point I told them this debt was disputed and several years outside the Nevada statute of limitations for filing an action. At this point they tried to tell me they were merely a " mediation firm '' and not a debt collector, despite their attempts to have me pay on an unenforceable debt. This is a clear violation of the FDCPA. Though they would not give me their address, they called from the above number and provided a fax number of XXXX. I am requesting my statutory damages for their violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
After a Leave of Absence ( LoA ) for one semester I am in the process of being re-enrolled for the Summer and am already enrolled for the Fall semester. For some reason XXXX, my loan service through MEFA, is trying to get me to start paying my student loans starting this summer. This is despite the fact that I still have about two more years of school left to complete. I have contacted XXXX and attempted to correct this numerous times but no progress has been made. I had my registrar at my college fax in my enrollment history including next Fall, but I received a letter ( from MEFA ) saying that my loan deferment was declined, supposedly because the documents they received were " illegible ''. XXXX has said that I need to be in classes again by XXXX in order for my loan payments to be deferred until after I graduate again. This is ridiculous because the Fall semester at my school starts a week or so after XXXX 's deadline. I am now waiting to get approved for summer enrollment which they say will enable me to defer payments, however XXXX has refused to give me any slack while I'm awaiting the approval and if the approval from my school comes too late I have to start repayments and I am totally XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Kabompo Holdings, Ltd.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
Please see the attached complaint made to the NY XXXX  regarding XXXX. After several months delay the issues remain and instead believe this cases handling used to compel XXXX XXXX amidst efforts by those to take advantage of XXXX XXXX   system in takeover attempt of commercial projects. The timing appears connected to a block chain and due to ediscovery innovations linked to my accounts not sure if there are overlapping ip issues beyond the original issues complained about. Not satisfied with the NY XXXX  handling. Shortly after they issued the NY XXXX  issued a message on Virtual Currency 's that was general on fraud and manipulation of virtual currency. Some of the issues extend to blockchain and smart contracts also which XXXX encompasses. However the specific handling of my own matters not appropriate. Please see attachments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
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: Information belongs to someone else

Complaint:
I need your help with XXXX, XXXX, Transunion that is reporting bankruptcies and other accounts that are not mine. Please have them to prove where I filed bankruptcy and opened these accounts. I would like for the incorrect information to be removed from my report immediately. 
1. Bankruptcy : Discharged CH-XXXX  XXXX  : XXXX-DSP-XX/XX/XXXX XXXX  : XXXX   Transunion : XXXX.

2.XXXX XXXX XXXX : XXXX XXXX : XXXX   Transunion : XXXX.

3.XXXX XXXX XXXX  : XXXX Transunion : XXXX.

4.XXXX XXXX XXXX XXXX : XXXX 5.Bankruptcy : Discharged CH-XXXX   XXXX : XXXX-DSP-XX/XX/XXXX XXXX  : XXXX Transunion : 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 2018-11-08
Company: Conn's, 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:
I have had one account with CONN 's that I opened XX/XX/2013. Conn 's has reported this account as five different accounts on my credit report. I just recently checked my credit and CONN 's was showing me past due and that I owed {$350.00} on the account. I have set up payments multiple times to re-occur so that my account would stay current. Here is what I found out after talking with a customer representative with CONN 's and is what I believe is an unfair practice that CONN 's uses to report derogatory information. Conn 's never sends out a past due notice either electronically, by mail, or by phone. You might get a phone call if your account is 90 days past due. Also, when you set up automatic payments over the phone they can only be done for 3 or 4 months at a time which is something that I was unaware of. Conn 's his a high risk granter of credit and I believe they use this practice to keep peoples scores low so they will have repeat business. I myself have received several offers to increase my credit by mail but not one late notice. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Harley Davidson Financial Services 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:
HD Credit is reporting an erroneous debt on my credit file that I do not owe. This debt was paid by my insurance. I received confirmation that the debt was paid. This should NOT be a charge off. I do know owe this debt and I am requesting that this report to show the paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Experian Information Solutions Inc.
State: AL
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 disputed the information through XXXX XXXX in XXXX of XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university.

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 2021-02-24
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I cancelled my hazard insurance with XXXX effective XX/XX/XXXX and started a policy with XXXX effective XX/XX/XXXX believing it would be a smooth transition. 

I received a letter on XX/XX/XXXX from Mr. Cooper informing me they had not received documentation on the new policy. The same day I uploaded the documentation from XXXX. 

After multiple phone calls I am still being threatened with paying for 3rd party coverage on XX/XX/XXXX and XX/XX/XXXX even after they have received and processed my documentation. They do not dispute that I had coverage on XX/XX/XXXX and for part of the day on XX/XX/XXXX. 

In short, they are continously threatening me in writing with adding coverage for XX/XX/XXXX on my home despite acknowledging valid and acceptable coverage was on the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bayview Loan Servicing , LLC has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as  well! This purported debt was rescinded and closed out by XXXX  XXXX XXXX a/k/a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
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: Information belongs to someone else

Complaint:
The two accounts that's reporting on my credit file XXXX  XXXX and XXXX XXXX XXXX XXXX was never verified by the credit bureau that it's my debt and all the things that's reporting. This is against the FCRA & CFPB. I've sent letters every month certified and they refuse to investigate or sent me proof that's both are my debts.

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 2018-11-08
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am trying to refi my current loan that is with American Education Services. About 5 years back, AES transferred my account to a new account and in doing so my name dropped of the loan account. I was the primary loan holder and my father was the cosigner. I have been paying this loan for the entire time. Now that I am trying to refi the loan, I am being told my name needs to on the loan. I call AES and tell them this needs to be fixed and they tell me they can not give me any info regarding my account. They say my SSN is correct but I am not giving them the correct birthdate. I give them my father 's birthdate and that is not correct either. They asked me to fax in my driver 's license which I did on XX/XX/18 and explained that they need to fix this ASAP as this is their system error and my refi paperwork is on hold. I just called them today and they say they still have not received my fax and will not help me. This is ridiculous customer service. All of these system errors are because of them, not me. How do I even know this is my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A balance is reporting on my XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with XXXX XXXX and they have failed to correct it.

Company response to consumer: Closed with explanation