BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-01
Company: KEYCORP
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently refinanced my loans through XXXX XXXX. XXXX XXXX uses XXXX XXXX as the processor. XXXX XXXX disbursed my new loan to KeyBank, the holder of my student loans.

KeyBank   claims to have no knowledge of my disbursement from XXXX XXXX.

Both KeyBank and XXXX XXXX   use XXXX XXXX. XXXX  clearly shows the the disbursement was made.

I have been in contact with KeyBank, for hours at a time. The student loan call center is located in XXXX, XXXX. The staff has no ability to resolve my issue, and tell me that only one person -- XXXX XXXX, can fix my issue.

The call center will not provide me Mr. XXXX 's information ; nor will Mr. XXXX call me as requested.

This loan is still on my credit report. KeyBank has sent my co-signer seven letters. They are calling me for collections. They are reading me the collections mini-miranda.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I accidentally sent a payment to a closed Discovery Card account through a bank transfer. I notified them of this and they issued me a check in refund and deposited it. On XX/XX/XXXX, I revived a statement for the closed account showing a zero balance. On XX/XX/XXXX, I received a statement of {$270.00} balance on the closed account that they were attempting to collect. I have made no purchases on this account since XX/XX/XXXX. I sent a letter to contest the validity of the debt before the end of XX/XX/XXXX and have not received a response as of XX/XX/XXXX.

I received a statement with a {$290.00} balance on XX/XX/XXXX, and they have reported a non-payment to credit reporting bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was re-billed by American Express for a charge for ticket concerts that was postponed due to COVID19. I never received the tickets for the transaction and I redisputed the charge with American Express since I never received what I paid for. They mentioned on a recorded line that the charge would be removed from my account ( the same as last time ) and it would reflect a {$0.00}. They mentioned it would take 48 hours. I asked were they sure because I am in the process of buying a house and as a first time minority homebuyer, I don't want this to impact my ability to secure a home with a rate that is favorable to me based on the fact that I have paid off all of my credit card debt and its reported to the credit bureaus that way. After 48 hours, it still showed up and I called in again on a recorded line. The rep mentioned this time that because it was re-disputed, it would show up but because the dispute was pending, it would report to the bureau that I still owe {$0.00}. I woke up and saw that they reported that I owe almost {$400.00} which was reported to the credit bureau. I can't pay it now because I'm not able to spend anything until closing, but my rate will higher because of this when I've explained my concerns and was flat out lied to by given misinformation on a recorded line twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX - This is where I beg the difference, you certainly are in the wrong : Under the rules of the FDCPA, a debt collector such as yourself ( Diversified Consultants, Inc ) identified as a DEBT COLLECTOR are required by Federal Law if you are attempting to collect a debt to provide details about a debt by sending a written notice with the following information. 

Name of the creditor Amount allegedly owed Instruction on how to repay the alleged debt *Just for your future collection practices, since you think you did nothing wrong. This is called the validation notice and must be sent to the consumer within five days of initial contact. 

So let me suggest you remove this immediately from my credit report since you practices seem to be unknowingly UNETHICAL!!! 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. Capital one reported 2 of  my accounts negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and instead of removing the negative mark on my payment history they changed the status update from XX/XX/XXXX to XX/XX/XXXX on one and XX/XX/XXXX on the other. 

I filed a dispute with Capital One directly as well and they state that they were reporting correctly. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XX/XX/XXXX or XX/XX/XXXX and it should not be reporting negative. 

My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting payment history on any months where there was no late payment made should be removed. 

I am attaching a copy of my credit report from XXXX to show what I mean by negative payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Over this past weekend, Home Point Financial corporation reported to the credit agencies that I was delinquent 30 days on my mortgage payments. I have verified with my bank and with my account on the Home Point Financial website that I am currentl on all payments. This error in reporting dropped my score by over 100 points. 

I have attempted to reach them repeatedly to no avail, and I have received no response to phone calls or email sent to the company. 

I found out that other customers are affected via a XXXX XXXX, when I would have rather heard directly from the company. At this point I do not know when this will be corrected, how long it will take to reflect in my credit score or what long term effects this may have on my account. 

Given the recent track record that I've had with this specific servicer, who was late to pay my home and flood insurance as well, I don't expect their resolution to make everything right in a satisfactory amount of time. This is alarming, given the severity of the problem they are causing with the credit scores of their customers that are responsible and pay on time. 

I am concerned this may occur again with this servicer. 

Upon request I can provide copies of relevant statements from the Home Point themselves along with those from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Performant Financial Corporation
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been Robo calling me twice a day, every day for the last 5 days. I have added their phone number to my blocked list but they keep trying to call. When I called them back they refused to identify themselves until I answer personal questions about myself. 

I'm not going to give my personal information to a stranger over the phone. Their representatives refuse to tell me who they are and what company they work for. They just keep telling me they have an important business matter to discuss. I have hung up on them several times. I have asked them twice to stop calling me and the calls have not stopped.

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 2018-08-01
Company: Star Loans of Texas, 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:
This account was paid in full XX/XX/2016, it was a secured and was not any late payments. it was a loan company which the bal. at the time due was XXXX a mo. I have called to see if the company would correct this no action has been taken. 



On the account XXXX XXXX shows on my credit report as a charge off but this account was a secured account loan company that was never charge off loans were paid in full. And I would like for them to remove it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had an overdraft for a {$160.00} and paid it i am still getting mail from XXXX and others the amount was paid and cleared

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 2023-01-21
Company: EQUIFAX, INC.
State: MI
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:
EQUIFAX, XXXX and EQUIFAX are reporting incorrect information for a XXXX account. Account name, number, balances and payments are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: ADIR INTERNATIONAL LLC
State: NV
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:
a couple of months ago, i was in the market for a new bed, and curacao gave me a credit limit increase so i could purchase it from them. i have made every payment as agreed, to them as well as to my other creditors. curacao just recently decreased my credit limit to its original XXXX, causing my credit score to be affected. i never received a letter with a reason for the decrease in my credit limit. i would like them to explain why they decided to hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Hello, Information given from the paperwork i have from the XXXX district court, on XXXX XXXX, XXXX for the amount of {$3200.00}, {$3200.00}, and {$3200.00} all three ( 3 ) different accounts with the same credit card companies. Shermeta Law Group filed to garnish my wages and my state income taxes with properly doing so. Firstly, i wasnt properly served these documents personally they were served at my mothers house. After calling about these debts i was given attitude and disrespect and if i wasnt paying or trying to resolve some type of payment plan with them there wasnt much he could do to help me. I was also told that if they have to file garnishment i could lose my job as in big companies like XXXX doesnt like to see wages of their employees being garnished. Without notice my wages were garnished and i didnt find that info out till calling my jobs Payroll trying to verify info in applying for sub pay the was notified i guess for my reassurance that my pay was garnish from this company at 25 % then after finding out i went to file a Objection of Garnishment with the district court. In the mist of waiting for my court date i have found out that Shermeta Law Group is not licensed for business nor to collect in the state of Michigan or with the Secretary of State in Michigan therefore with my understanding they arent eligible to collect in debt in Michigan.. If possible please remove these accounts from all three ( 3 ) reporting credit reports immediately. 

Also i would like help with stopping motion of garnishment if issue is resolved. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX XXXX XXXX partial account # XXXX ; XXXX partial account # XXXX Dear XXXX XXXX XXXX and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX.

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX   is three years. Based on the information reported to all three credit bureaus this account was open onXX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXX further more confirming the statute of limitation in XXXX XXXX  of three years. A copy of credit report is attached.

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.

XXXX 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 2022-08-07
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a Forbearance XX/XX/XXXX. I was on the Forbearance for 3 Months. I made my Escrow Payment all 3 months as not to be short at the end of the Forbearance. After the 3 Months was up I was told that My Forbearance was invalid because the Forbearance program ended on XX/XX/XXXX. I was also told that I was enrolled into a XXXXXXXX XXXX XXXXXXXX XXXX. That also was not true. Now I'm told that I have to do a Loan Mod. This is going to Increase my interest rate. I can not afford this increase. I feel that it was not my fault that the Mortgage Co Enrolled me into a Forbearance Program that had already ended. I feel at this time I should be allowed to do the XXXX XXXX XXXX just as they Promised They would. Not My Fault. I did everything that was asked of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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 am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: eMoneyUSA Holdings, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am unaware of an Emoney loan. They are reporting a charged off account on my credit bureaus stating i owe {$1000.00}. i did not borrow from this firm and would like this to be removed. I contacted the firm previously to ask for a validation of debt and did not receive any notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Solomon and Solomon, P.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mothers sister XXXX XXXX put an Gas and Electric bill in my name without an identification card in 2014 while I was incarcerated. I have have been asking this company to remove the debt for years I also show them proof of my release showing I was not in the household at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: IN
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:
My identification is being used for car shopping online which I wasn't nowhere as multiple hard inquiries for the same car lot multiple times a day I'm surprised the bank didn't even look at that I tried you been XXXX XXXX  they weren't doing anything I did dispute letters with Equifax Equifax told me that I had to call the consumer phone consumers are saying Equifax put it on there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
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:
i all ready file a case with u guys about dis 3 mths ago and i had 3 accts and u said u will update them but u only update 1 and not 3 plz fix are update before we go to court and i sue u

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 2020-10-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax is continuing to report a Credit Builder Plus loan  XXXX loan with XXXX XXXX as two payments past due. This loan has never been past due. XXXX IS ON VIOLATION OF FCRA and UDAAP. 
XXXX is practicing predatory lending practices and Abusive practices. By reporting Current loan as DEFAULTED or past due on customers credit. It is egregious and terrible in the middle of a global pandemic.

Company response to consumer: Closed with explanation