BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My Citi credit card ending in XXXX still has not updated on my XXXX credit report since XX/XX/2021 despite repeated correspondence with the Citi Executive Response Team. In their most recent response they've said that they are going to stop responding to my requests and " consider my complaint resolved '' at this point. Until my Citi account begins to update on my XXXX credit report, which it has not for going on 7 months, this issue is certainly not resolved. Citi has repeatedly stated that my suffix " XXXX  '' is the cause of the issue. I have spoken to XXXX many times and they allow for the use of a suffix field. As stated in my previous correspondence, all of my other creditors report my suffix " XXXX '' to XXXX on those accounts and every single one of them updates every month just fine. Again, this is a Citi issue, NOT a XXXX issue. I have attached further supporting evidence of this below, where I've included screen shots from 4 of my other creditors showing that they allow for a suffix field, but when you look at the Citi image ( last ) they do not ask for a suffix. XXXX like most institutions uses XX/XX/XXXX 2 formatting which allows for 426 characters of reporting and fields 33 and field 6 depending on which segment are for generation/suffix. If whoever that is handling my complaints at the Citi Executive Office is unaware, unable or unwilling to further assist with my inquiry ( as evidenced by their last response ) I would appreciate it if it were passed on to someone in the credit bureau division of Citi that understandsXX/XX/XXXX 2 reporting and can adequately address my concern. Blaming my suffix for the non-updating of my account on my credit report for nearly 7 months is not an acceptable response and as a customer I'm entitled to have ACCURATE and current information presented on my credit report. Currently it is not, and that must be rectified. 

XX/XX/XXXX XXXX : XXXX Please see the images uploaded which show many of my other lenders using a suffix field, but Citi NOT using the suffix field.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Innovis
State: TN
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:
several accts were previously mentioned : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( innovis ) XXXX XXXX XXXX XXXX XXXX have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do n't have a contract w ith Diversified Consultants or the original creditor nor did I receive a written notice of my rights to dispute this debt before it w as added to my credit reports. The law states that a creditor must send written notice of the debt that includes the amount of debt, the name of the original creditor to whom the debt is owed, and a statement describing my right to dispute the debt. I have no knowledge of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been a KeyBank customer since XXXX of XXXX through applying and approved of a Home Equity Line of Credit ( HELOC ) loan. Repaying loan payment always on time until XX/XX/XXXX when I received a phone call from KeyBank to inform me that my account is delinquent. Monthly payment to KeyBank was through my personal banking bill pay account, on time and never missed a payment for 15 years, and since this loan is a HELOC, the payment amount stay the same through out the life of the loan. With disbelieve, I went down to my local Keybank branch to resolve this issue, but without success. The XXXX XXXX Keybank manager XXXX XXXX XXXX could not even access my account without calling the central office for assistance! 

I had gone through various Keybank departments like the Loss Mitigation Department, and the Enterprise Client Relations ; the case being handled by many bank personnel to include staff within the Loss Mitigation department ; in the attempt to resolve my account issues without results. Keybank had changed my loan account number without letting me know, non-responsive with email communications I had with its Loss Mitigation Department. My loan account had been changed several times without my knowledge, that is, from XXXX to XXXX, then to the current one XXXX. I want to know why my account ending in XXXX was closed without notifying me, and a new account and number established without letting me know with new payments? 

From XX/XX/XXXX until now, 44 months had gone by, none of the issues had resolved, meanwhile all the unjust late fees, penalties, unauthorized and inappropriate property appraisals, and all other fees totaling {$14000.00} were ordered and imposed on my account to drive up the balance owed further. I am a XXXXXXXX XXXX XXXX veteran, served my country for 35 years, and retire in XXXX. Nothing had baffled or tormented me as much until now. 

KeyBank has ruined my credit score by placing derogatory comments on my credit agency reports, deliberately making it difficult for me to refinance or to borrow money, and at the same time encouraged me to reapply for a new or modified loan. I am seeking financial relief from this bank whose personnel are refusing to listen, not compassionate, and not willing to accept wrong doings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I send a certified letter with return receipt. The bureau received and signed when l disputed XXXX I did n't recall having an account with them. After disputing the credit bureaus send me a letter saying the file was updated. I then send a letter requesting a copy of any documents in their file that was used to verify the accuracy of the account in dispute. I also demanded that the account be properly verified or removed. They never send me any documents. So I contacted XXXX then received a document from XXXX showing a paper that had dates of XX/XX/XXXX XXXX clearly I did n't know of this debt but they still are reporting it and its well passed the statue of limitations. Also re aging debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On several occasions I have spoke with Equifax customer service reps in the US and XXXX in regards to a fraudulent account on my credit report. They have refused to remove the account from my account. They informed me that I had to contact the creditor which I have done. They have not been able to find me in their system by name, address, or phone number. I 'm not sure what my next step is in regards to this matter and this dispute. This fraudulent account is seriously effecting my credit score. It needs to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Opened a XXXX XXXX back in XXXX. In XXXX of XXXX I was away and extended my visit on a whim, so I that month 's payment was late. I have NEVER had a late or missed payment prior or since this XXXX time. XXXX 's is reporting this as a missed payment and it is showing up as a negative account on my credit report. I have talked to a few XXXX 's reps and all said that would be no problem to remove this XXXX item off my credit report, only to put me on hold and come to state that they can not do anything about this. All have said that they see my perfect payment history for the last 6-years, and agreed that this is ridiculous. XXXX reps said the company does n't care to help customers out when it comes to even a one-time mistake because it allows them to charge a higher IR % rate. This mark is screwing up my credit score BIG TIME and I had ID theft in XXXX and so I had to start from scratch again with XXXX credit. This is the only negative blip on my CR report and since I have been consistent for years and years with XXXX, I think they should give my a XXXX time courtesy and remove this. It has already been on my CR for four years. Also, the message center for card holders of XXXX is a joke. I Have writeen them XXXX times and keep getting emails that a reponse is in my inbox but when I go log in it says there is tech errors for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took student loans out to help pay for my college education. I graduated and have been on an income-based repayment schedule since then. My family has grown in size and it has become increasingly difficult to try and pay more than my income-based payment. Over the years, I have paid my payment every month and yet my loans have grown exponentially! This is extremely frustrating because now I ca n't even pay on my principal balance because the accrued interest is over {$10000.00}. If I understand all of this correctly, if I pay just the interest accrued every 30 days, plus a little more, it will go to the accrued interest balance, not the principal balance. How will I ever be able to get caught up?! These loans have been in negative amortization almost the entire time I 've been paying. I 'm not asking for a pity party, but how is this even fair? I 've done what was expected of me, and in the end, I 'm being robbed in interest payments! PLEASE, PLEASE look into finding a way to not allow the American citizens who have tried to better themselves by furthering their education, go bankrupt because of this unfair increase in student loans borrowed. To me, this is exactly what predatory lending is : charging me way more than what I borrowed, while telling me it 's okay that I only make my income-based payment.

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 2016-08-14
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've proven month after month that Equifax is reporting the wrong information and they continue to report inaccurate and incomplete information on my credit report and they are in violation of the FCRA : XXXX - XXXX - # 1 You have a date of " XX/XX/XXXX '' and I 've proven this to you month after month and you have n't done anything about it! 
# 2 you are reporting a balance of {$11000.00} when this is a released and PAID tax lien! 
# 3 you have an inaccurate court name " XXXX XXXX '' when you must list the court name accurately ; this is NOT accurate! 
# 4 you have the wrong liability amount # 5 you have the wrong reference # XXXX - # 1 You have a date of " XX/XX/XXXX '' and I 've proven this to you month after month and you have n't done anything about it! 
# 2 you are reporting a balance of {$2100.00} when this is a Satisfied judgement and my credit report even says this! 
# 3 you have an inaccurate court name " XXXX XXXX '' when you must list the court name accurately ; this is NOT accurate! 
# 4 you have the wrong liability amount # 5 you have the wrong reference #

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have attempted to contact this company via e-mail and phone calls. Each attempt has resulted in an unsuccessful resolution. I have received another notice stating that my taxes are due. The amount of taxes due are a lot less than anticipated. I have sent an updated tax bill, but they have not updated their information. This is unfortunately the only way I can get any resolution from this company. I have attached a copy of the taxes due and am requesting this bill be paid. I would also like my escrow amount billed monthly to be readjusted to reflect the actual tax bill. It is significantly less.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

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 2019-12-12
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I traded in my XXXX in XXXX-XXXX  and XXXX XXXX In XXXX XXXX didnt finalize my trade correctly it shows I owe a debt when my car was a trade in and my car was paid off. 
I have tried several times to call them over the years and I gave up. I know the importance of my credit and I need this removed This also has caused ( XXXX XXXX to stay on my account from XXXX  because of this error )

Company response to consumer: Untimely response
Consumer complaint received 2016-12-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Today XXXX I received a letter from Equifax stating that their investigation into My request per section 609 of the FCRA for a listing on my credit report being reported by XXXX be verified by providing me proper documentation has been once again ignored. Equifax sent me a letter stating that Additional Information has been provided from the original source regarding this item. What additional information. All equifax does, as well as the other credit bureaus is tell me to contact the original source. This is not my responsibility. I am not the one reporting the information against me. Section 609 says that if the credit bureau is going to report information against me they must provide proper documentation showing that what they are reporting is accurate, complete and verifiable. They refuse to do so. How do I know what they are reporting meets all 3 standards if they refuse to send me what they have on file. Simply sending me a letter stating that they have received additional information does not provide me the consumer with a proper explanation. They feel that they can report this against me but refuse to provide proper documentation stating why they can report this. When I call them they say they are simply reporting the information as it is provided to them. What is being provided to them and how is it being provided. They are breaking the law by not providing me the original source document that they are suppose to house internally to show that they have the right to report this information. I have requested from XXXX the original contract for this debt showing my name and signature on it and they are either stalling in sending it to me or they are refusing because they know it is a bogus debt. So if they can not or are unwilling to send this to me how can Equifax say they have received additional information. This is a blatant lie and a fraudulent attempt to harm me financially. I am requesting that equifax either send me the original contract that they have on file or if they do not have anything on file other than the original sources word that this item be removed from my credit report and never be reported again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have taken pictures of the last XXXX statements Ive received and I have noticed theres a significant amount of increase! I dont know if this increase is correct and XXXX asking consumer financial protection bureau XXXX take a look into my increase and see if its correct because XXXX having a very hard time paying my mortgage! If the increase is correct, I will have to pay my mortgage but if the increase is not correct the bank should be held liable for their mistake. XXXX also afraid I will lose my home due to this increase. Please take a look. Attached are the statements as follows : XXXX of XXXX, XXXX of XXXX and XXXX of XXXX Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Avadyne Health Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
H & R Accounts ( XXXX ) has placed a medical collection on my credit report for XXXX. It says that the original creditor was XXXX XXXX. The first problem is that I do not believe this is my account or debt. I have attempted to dispute this information with the credit bureaus twice now. Each time the dispute is resolved within 5 days and marked as accurate and meets FCRA requirements. The first dispute was submitted on XX/XX/19 very soon after it was reported to the bureaus. It was resolved on the XX/XX/19. I was never sent any documents verifying the account was mine. I have submitted another dispute on XX/XX/19 and have already been notified it was resolved with the same results and no verification documents. XXXX, XXXX, and XXXX  have not done sufficient investigating in either dispute and H & R Accounts has made no attempt to verify the information, validate any documents, or send any billing information. I know for a fact this account is either not mine and reported inaccurately or the original creditor XXXX XXXX has supplied them with the wrong information for the wrong person. I will be filing a lawsuit if the CFPB can not resolve my complaint with accurate verification. I can not supply any supporting documents because there are no documents, the account is false and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
MY NAME IS XXXX XXXX I WAS DISCHARGED FROM CHAPTER XXXX BK OVER 2 YEARS AGO. SINCE THAT TIME XXXX XXXX IE PHH MORTGAGE NEVER UPDATED MY MTG PAYMENT HISTORY. 
I AM TRYING TO REFINANCE MY LOAN HOWEVER FOR OVER XXXX WKS SENDING FAXES AND PHONE CALLS VIA XXXX XXXX PHH XXXX  XXXX HAS NOT RESPONDED TO MY REQUEST. I AM AT THE END OF REFI PROCESS BUT CAN NOT COMPLETE UNTIL PHH UPDATES MY PAYMENTS. THEREFORE, WE ARE REQUESTING YOUR HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today I received in the XXXX Mail a letter from " Equifax '' credit bureau dated " XXXX XXXX, 2015. '' On this same letter under the column " Previous Addresses, '' it incorrectly states that I lived at " XXXX. XXXX XXXX ; XXXX, California ; XXXX '' as " Reported : XXXX. '' I have NEVER lived in " XXXX, California. '' I 'm not really sure where it is at. I am a victim of " Identity Theft. '' For the last 18 years I have lived in the XXXX, California area. When I called up " Equifax , '' they refused to " Delete '' this false XXXX '' address from my " Equifax '' credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: NY
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 BEEN a victim of identity theft and a card was falsely taken out in my name

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