BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: Kikoff 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:
ATTN : XXXX XXXX CEO of KIKOFF LENDING , LLC has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by KIKOFF LENDING , LLC before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or KIKOFF LENDING , LLC to furnish any late payments to my consumer report. It is my belief that due to KIKOFF LENDING , LLC business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Grant & Weber
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt was created from my Illinois department of human resources XXXX account. I went away to XXXX and somebody fraudulently renewed my length of benefits and continued to received my benefits while I was XXXX. I was XXXX from XXXX/XXXX/2015 to XXXX/XXXX/2015. When I got XXXX from XXXX I was denied benefits due to fraudulent charged on my Illinois XXXX while I was in XXXX. I have no idea what to do or how to get this debt resolved if I had nothing to do with it since I was in XXXX over the 6 month period the card was being used.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: MI
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:
I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them has been heard. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy Reference number : 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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX Is reporting that I owe {$280.00} acc # XXXX and {$490.00} acc # XXXX The accounts show that the account was opened XX/XX/XXXX, and the other XX/XX/XXXX which is incorrect, It was requested that proof and validity of debt was provided, and sufficient evidence was not provided

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 2020-06-14
Company: Midwest Recovery Systems
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX XXXX has two accounts on my credit report. One from Midwest Recovery Systems and the other from XXXX XXXX XXXX. Both are collection agencies for XXXX XXXX XXXX. These accounts were not opened by me nor have I ever been to a XXXX XXXX XXXX facility. I didn't even know one exists. I don't know who may have used my identity to create these charges but it was not me. I would like some documentation of these accounts and a copy of a signature of who gave consent to this facility for services and for what reason. I want this taken off of my credit reports and deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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 was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX {$4200.00}

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 2017-02-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan mod with Chase. A complete loan mod package was submitted and received by Chase on XX/XX/2017. XXXX from XXXX XXXX XXXX XXXX XXXX XXXX spoke with Chase on my behalf to confirm the submission and that Chase was in possession of the loan mod package on XX/XX/XXXX. A sale Date of XX/XX/XXXX has not been postponed. My loan # with Chase is XXXX. I need help, I want to keep my home. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX, I applied and was approved for a car loan, during the 10 year period of the loan, payments were made and subsequently, the loan was satisfied. After recently reviewing my credit report, I noticed several inaccuracies. In particular, there are XXXX entries I noticed as inaccurate. On XX/XX/XXXX, Santander indicated I was 90 days late, which is inaccurate. 2 ) On XX/XX/XXXX, Santander indicated I was 60 days late, which is inaccurate. 3 ) The report indicates the terms were {$140.00} for 72 months, which is incorrect. Finally, I have no confidence in Santander 's administrative accuracies and their failure has fueled the negative entries on my credit report. These inaccuracies are reducing my chance for homeownership. Attached are XXXX documents recently received from Santander, in which, they clearly admit there are administrative and record keeping issues that was uncovered during an audit. " during a recent audit, we determined your account is due a refund ... '' This admittance has caused me to lose total confidence in Santanders record keeping. As a result, I believe there is more incorrect information reported that is negatively listed on my report and the possible reason for future credit denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this is in fact a follow up to my resent complaint, and after careful review of Ocwen Loan Servicing, LLC there are a number of fraudulent and misleading errors in violation of the Fair Debt Collections Act, mainly, the numerous amounts of paperwork submitted to the Consumer Financial Protection Bureau in which this agency was designed to protect consumers from abuse from mega banks and agencies from the practices gleamed here. mainly the affidavits filed were robo-signed a practice condemned by federal agencies, furthermore, there are a number of holes and gaps in the title chain transfer apparently prior to Ocwen claiming ownership or service connections. The failure to record the required documents accurately undermines and even invalidate the transfer altogether. There are a number of lump-sum payments made by me during the mortgage process which are fraudulently non reflective in any of the vas amounts of paperwork submitted to the CFPB buy Ocwen. I contend that Ocwen has and continue to engage in an illegal foreclosure action as this agency is well aware of the tactics used by Ocwen. it is well settled that every Deed should contain 1. An indication that it is a Deed, 2. Description, 3. Signature of the individual or entity that is transferring the property, 4. Data regarding who is taking title to the property, and 5.  Validly delivered to new individual. These holes and gaps in the chain of title and payments demonstrate fraudulent activity and brings into question of who actually owns the mortgage and has standing to foreclose on said mortgage. In 2010, it was revealed that several large banks routinely used affidavits signed by employees who did not personally review the documents and had no basis tor believing that the homeowner was in default or that the bank owned the loan. Employees for financial giants like XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX have all testified that they signed many thousand of  affidavits a month, spending about 30 seconds on each affidavit, and that they didn't have a clue regarding the veracity of the affidavit or the documents in question-hence the name " robo-signers ''. Since this scandal broke, it has been revealed that SERVICERS robo-signed all kinds of foreclosure documents besides affidavits, like assignments of mortgage and other documents needed to foreclose. Banks can not legally foreclose on a house if the foreclosure paperwork is not in order, as is the facts here, there has been robo-signers which is illegal and in this instance the demonstrably false and illegal faulty paperwork being submitted by Ocwen or any other can not demonstrate the veracity of the necessary documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: LendUp Loans LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I receive 83 phone calls from this creditor between the hours of XXXX XXXX to XXXX on XX/XX/2018. 
Very excessive and not necessary. I was receiving phone every 2 to 3 minutes apart. I had to eventually block the number on my cell phone since I was in a work meeting at the time the calls were placed. 
I have asked to not receive calls during work hours, and advised I am available after XXXX PST. They are obviously not honoring this request. 

I have called and requested a supervisor to call me, and now I 'm not receiving a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: General Motors Financial Company, Inc.
State: NY
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:
My identical twin sister and I have very similar social security number. XX/XX/XXXX has had our report as one report for well over five years. They claim no fault and have even given both of us access to our report with different social security numbers. They fail to properly fix with 60 days. 

This is includes the following lenders pulling hard inquires on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX XXXX. 
GM Financial - Insurance Underwriting XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vs XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TD/XXXX  Bank advised me on XX/XX/2022 to make a payment of {$45.00} to go into a payment settlement agreement. Once I paid the amount XXXX Representative stated the Specialty Department is unavailable. I was told they would call me back. TD bank did make several attempts to call but the phone thinks it's spam and blocking the call. They did get through once and I was hung up on while they were discussing the terms of the agreement. TD bank has still not provided a letter regarding this agreement and continues to play games when I call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint, includes debt collection that doesn't belong to me. On or about XX/XX/2018 at XXXX, I deposited CASH funds into my " personal checking account '' {$65.00}. My CASH deposit of {$65.00}, was deducted " immediately '' from my personal checking account by the bank ( for their improperly assessed NSF fee 's, unfair debt collection practices and unfair and deceptive practices against me and my personal checking account ) leaving my available balance at - {$68.00}. I have requested, to speak with a manager in the executive office ( as well as, attempted unsuccessfully to resolve the ongoing unlawful practices " internally '' with the banks many rude, evil and unprofessional representative 's ). I will fax any and all supportive documentation for the sake of this complaint. My personal information provided in this complaint isn't to be used by the bank ( or their subsidiaries ). It is for CFPB. -- THE END!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus are illegally reporting inaccurate information on my credit report.

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 2017-09-24
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with XXXX XXXX through Comenity bank. I was making my payments regularly until about XXXX of this year. I feel behind and I have not used the charge card in well over two years. I thought the best option would be to close the account to allow me to make payments and catch up without the late fees and interest charges, that amounted to nearly {$100.00} a month outside of the regular payments. My account was closed per my request in XXXX, however I still continue to have interest fees and late fees added to my account. My current payment is {$320.00} because of it and in the last two months because the interest fees and late fees, my balance is {$400.00} more than it was when I closed my account. How could this be legal? I believe Comenity bank is milking me for money. I emailed the company on XX/XX/XXXX and again on XX/XX/XXXX to let them know I intend to pay the account off but the fees need to stop because my account is closed. How will I ever catch up with the payments being doubled and tripled? Their response was " we are sorry your having problems, call the office ''. So I called and was told that the interest would continue to climb and that the payments I was making was not enough to make a difference. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The FCRA states that the only permissible purpose for pulling someone 's credit is for 1 : FIRM OFFER OF CREDIT 2 : INSURANCE 3 : EMPLOYMENT 4 :  COURT ORDER. The following credit inquiries are related to none of the aforementioned permissible. I 've also been a victim of fraud. PLEASE SEE ATTACHED PAPER WORK FROM IRS. THE FOLLOWING fraudulent inquiries are as follows Equifax mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you will see some of these where done multiple times. I 'm not understanding how my credit is still allowed to be pulled when I have a fraud alert on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: BARCLAYS BANK DELAWARE
State: DC
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:
Below is the letter my attorney mailed to Barclays Bank of Delaware. I have received no response or consideration of my letter/complaint/request. 

Mr. XXXX XXXX XXXX has requested that this office contact you concerning his referenced account. We understand that Mr. XXXX has not used that card at all since at least XXXX, XXXX. However, on Friday, XX/XX/XXXX he discovered through his credit monitoring service that he had been charged a membership fee of which he was unaware and that his payment was delinquent. Mr. XXXX reports that he never received a statement containing that charge and only became aware of it when it appeared on his monitoring service as a late payment. At that time, he immediately called and made that payment in full by telephone on that same date. 
As Mr. XXXX had not used this card for almost two years, he was not expecting to make any payments. However, he has never been late with any payments in the past and is a loyal customer. In addition, this issue has had a severe adverse effect on his credit score. 

The foregoing premises considered. Mr. XXXX requests that you rescind this late payment charge and delete the late payment entry from his credit report with any credit reporting agency to which you report. Please confirm to Mr. XXXX directly in writing at the cc address below within ten ( 10 ) business days of the date hereof that you have done so. 

Thank you for your prompt attention to this matter, and your courtesy in this regard.

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 2015-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My Wife and I live in a small rural community in GA. We applied for a 30 year fixed rate mortgage on XXXX. We received confirmation that our request had been approved and the current interest rate locked in - subject to further processing, verifications, an accurate and adequately supported opinion of the market value of our property, etc. My Wife and I met with the Lender 's approved appraiser and she performed an in-depth inspection - all the time complimenting the various upgrades and design additions we had made - all, in accordance with current code requirements. We eventually received a copy of the appraisal which was indeed {$12000.00} more than the 80 % requirement for our loan request. My Wife and I inquired if the estimated loan closing costs could be reduced if we further reduced our requested loan amount - we were expecting State and Federal Income Tax Refunds. Our Mortgage Loan Officer responded by a voice-mail message and e-mail, that if we reduced our loan request to 75 % of the Fair Market Value - as supported by their appraisal - there would be {$0.00} closing cost, if we would agree to take an interest rate of 4.000 %. My Wife and I applied all of our tax refund dollars to the principal balance in order to reach the 75 % loan-to-value amount. On XXXX, we received a new Good Faith Estimate indicating the reduced loan amount, " higher '' closing costs and a different interest rate! My Wife and I began a crusade of telephone/e-mail communications to ask for clarification, but no one would respond - not, the mortgage loan officer, the assigned loan processor, or their individual supervisors. On XXXX, via snail mail, we received a " Notice of Action Taken '' dated XXXX that simply stated, " We 're unable to approve your request for a Home Loan because : The TYPE of property or the CONDITION of the home is not acceptable. '' The effective date of the Lender 's appraisal was XXXX! We believe that if this scenario is investigated, it will support the fact that there exists mortgage credit discrimination within XXXX XXXX XXXX Appraisal Documentation Guidelines which " deny '' equal opportunity/fair housing lending in small rural communities. PLEASE INVESTIGATE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX KEPT CALLING ME AND TRYING TO COLLECT MY FAMILY MEMBERS BILL WITH XXXX XXXX XXXX.

Company response to consumer: Closed with explanation