BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MS
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX  to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX Inquiry dated XX/XX/XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account  Resolution Services  has been reporting a medical collection debt to various credit bureaus since the debt was assigned to them in  XXXX . The collection is on a debt supposedly incurred in  XXXX , when I was insured and would not have been charged for  XXXX   XXXX . I never received any bills from the hospital, nor did I receive any notification of collection from Account  Resolution  Services. My first notice of the debt and collection was when I discovered it on my reports after being denied credit. Needless to say, it was a shock to find that my credit was unfairly damaged by a debt I never owed.     Earlier this year, I disputed the debt with Account Resolution Services, in writing, sending it directly to the address they are reporting as theirs in their tradelines --  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL  XXXX . Again, this is the address they are publishing on their reports to the credit agencies. So, to add to my frustration, my dispute has been returned undeliverable, as the address seems to be incorrect. It seems that even if they had notified me of the collection in the correct way, I wouldnt have been able to dispute it within the normally given 30 days. I now find myself questioning the legitimacy of not only the debt, but the company attempting to collect on it. I 'm pretty sure that a debt collector which obfuscates its real address in its reports to a credit bureau would run afoul of the Fair Debt Collection Practices Act. If  ARS  ca n't even report its own address correctly, what makes anyone think its data is any good?

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 2017-01-23
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After speaking with multiple people, through multiple phone calls ( at least 12 with several calls lasting an hour ), and given multiple stories/excuses this issue has not been resolved and is preventing us from selling our house in XXXX, NY. The address given above for Key Bank is based on a letter sent to us stating the loan was paid in full on XXXX/XXXX/XXXX which is inaccurate and the letter was signed by no one, simply ending with " Sincerely '' - no signature. At one point we were told the issue would take 5 days and would be resolved on Monday, XXXX XXXX. When that did not happen, we were then told to fax a signature allowing them to release the information. Our lawyer drafted a letter requesting the Satisfaction of Mortgage be filed and I ( XXXX XXXX ) signed it and it was faxed to the fax number ( XXXX XXXX ) given to us. In calling to confirm the fax was received and this issue could now be resolved could talk to no one who knew anything about the fax but was told the matter would be resolved in 15 days from XXXX XXXX making it now XXXX XXXX to close this matter. On our lawyers advise, we requested a letter stating that fact and also a copy of the Satisfaction of Mortgage. After two, hour long calls on Friday, XXXX XXXX, we are now told by a person named XXXX that he is entitled to 48 - 72 hours to research this matter. NONE OF THE OPTIONS BELOW APPLY. OUR LOAN TAKEN OUT IN XXXX WAS PAID IN FULL BY XXXX BUT BANK DID NOT FILE SATISFACTION OF MORTGAGE RESULTING IN OUR INABILITY TO SELL THAT HOME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
Company: CONRAD CREDIT CORPORATION
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Working with Conrad Companies http : //www.conradco.com/ on a {$75.00} medical collection I found on my credit report. They did not have an accurate address as letters were sent to a previous address. Only letters were sent, I have not received any phone calls. The account manager I spoke to was   XXXX   on  XXXX / XXXX /17 @  XXXX  PST. She claims that once paid, the claim will drop off my credit report as if it was never submitted to the bureau. However, she will not provide any documentation confirming this. I 'm hesitant to pay the collection until it can be confirmed. I 'm also questioning the validity of the collection to begin with as the doctor 's office who originated the debt had not reached out to me. I also believe my insurance at the time should have paid the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Absolute Collections Corp.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
keep receiving numerous calls daily from  XXXX   Absolute Collection Corp  or they use different numbers to call. They have called people that I have never used as a reference  ( my ex-husband which we have been divorce for 17 years ),  my ex-mother in-law, my job, my siblings and even my   XXXX    kids. They leave threatening message about having me arrested and that someone is coming to the house at a certain time and I better be there. they told my ex-husband they had repo my ca r (  not true ). My family is worried and I am concern they will give them money thinking they are helping me. I have told these people before to leave my family alone, but they do n't. I receive calls 7 days a week and they are now contacting me at work. I called the police and an officer came and tried calling the number and they hang up. They have no right to disclose my personal information and call people I have no contact with or provided the information to them.

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 2016-08-09
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
The borrower has been trying to get a modification on her XXXX mortgage for over a year. KeyBank keeps sent her a denial on XXXX XXXX indicating that she did not qualify, but did not provide sufficient detail as to why she did n't qualify or what options are generally available. The borrower appealed the decision, but KeyBank denied her appeal without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My card has an available balance on it. It is not over limit.   On   XXXX   at  XXXX  I tried to use the card to pay for membership dues and it was declined. I called the credit card company barclays and after being transferred twice finally got someone who understood and spoke clearly. I was told they are having technical difficulties and to try again in a few hours.   On   XXXX   at  XXXX  I again tried to use my card. It was declined.   I called on   XXXX   and again told them my card keeps declining. They told me it would again be resolved in a few hours, and to try the card again in a few hours.   I tried to use the card at   XXXX   and it was declined again.   I called the credit card company and I am now being told they have no time frame for when this issue will be resolved.   I pay a lot in finance charges and annual fees to this company but when I need to use the card, they have " technical difficulties ''.

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 2022-01-02
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated calls and letters have been sent to me from this company for years and I have told them repeatedly I have no knowledge of this debt. The debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I sent Lexis Nexis a letter requesting a copy of my credit file they have of my and its been almost XXXX months and I havent received anything. I need this to dispute all alleged information they have of me. 
Lexis Nexis is furnishing information they have no permissible purpose to furnish. The court nor myself has given Lexis Nexis permission to take any information about me and furnish it with any credit agency. I also froze any alleged account Lexis Nexis has with me but somehow they are continuing to furnish alleged information about me and allowing other credit agencies to access this alleged information. Which is defamation of my character and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a phone call at my place of employment from someone who identified them self as a XXXX XXXX at XXXX who was trying to collect a debt. This is the first contact I have had with this party and have received no mail etc I do not know the name of the company and I have no address to send a letter to request a verification of said debt. I do not want to be contacted by phone at work or at home and would prefer email contact. I need verification of said debt and original creditor and any supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Franklin Credit Management Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I worked wit h Franklin Credit to  arrange a payment plan to get back on track after experiencing financial hardship. On  XXXX / XXXX / 17  I submitted a down payment as requested and have yet to receive any documentation stating that they received they payment. Today (  XXXX / XXXX / 17  ) I called them to ask if they had received my wire transfer in the amount of {$1900.00} and I was told that I would not be receiving any documentation on the status of my loan unit the repayment plan was complete ( 24 months ), and they also would not verbally tell me if the original down payment was received. I tried to call an additional 3 times and either got hung up on, or was transferred to a managers voicemail that was non existent. I find this very hard to believe and I feel uncomfortable paying additional payments if they can not verify to me that they are receiving payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
I have filed a dispute in regards to an inaccurate Account on my consumer report. It has been well over 60 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received a medical bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The amount we owed after insurance was {$210.00}, paid on XXXX XXXX, 2013. The company still turned us over to collection. To date we have been harassed by the following companies in order to collect a debt we paid. We have sent all documentation to each company, i.e. our credit card statement with the amount paid to XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDebt Recovery Solutions, LLCEach company names the creditor XXXX XXXX XXXX, XXXX. We have had to prove each time we paid the debt. Each company is collecting the exact same amount we paid. This has to be some sort of fraud at this point on their part to collect a debt we have proven time and time again we paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Prosper Marketplace, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I got an email say I applied for a loan and was denied for a loan. I did n't apply for a loan. When I called them they wanted to give me a gift card and more information. I told I do n't need a gift card, I did n't apply for a loan. I just want to get to the bottom of this. He gave me the # XXXX ( which I know is just a directory for info ) and said it was the number to he 's supervisor. This is a scam and how did they get my SSN #?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Reverse Mortgage Solutions, Inc.
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My father XXXX XXXX took out a reverse mortgage in XX/XX/XXXX. In total he received approximately {$350000.00} for his home on XXXX XXXX XXXX, in XXXX XXXX, NJ XXXX. He passed on XX/XX/XXXX. The buyout is currently {$620000.00}. The loan was originally with XXXX and now is served by RMS. First off the amount of interest charges seems very excessive. Secondly, he was told that we would have at least one year after his death to either sell or refinance the home. RMS has aggressively been trying to force me out and have repeatedly threatened with foreclosure and legal action. My father has been deceased for less than three months. As a result of their tactics, I have been forced to obtain legal council on my own. My attorney XXXX XXXX, who specializes in real estate has told me she has never seen anything like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have received vehicle financing for a XXXX XXXX XXXX back in XX/XX/XXXX, within a few weeks of driving home with the vehicle, the car has a mechanical breakdown, after about a month of checking in with the repair shop and XXXX XXXX, the repair shop stated it would be about {$800.00} to take the car home but severe engine issues needed to be repaired asap, I was given an estimate close to {$6000.00}. Due to not having enough to repair the vehicle, I told the vehicle financer that I wanted to do a self surrender, they agreed to but because I lived in WI, they have to send a notice for me to sign Andi have to mail it back to them. I was not given the notice and the financer arranged to have the car picked up, after months of trying to negotiate with the lender about the car was not legally self surrendered because of the signed notice requirement. They told me that I can have the car back just pay the back months and repossession charge it which I couldnt afford at the time, they do charged me for an additional month when the car was in their possession, not to mention by law what they did was illegal in state of Wisconsin, stated by the DMV requires the notice and anyone who is facing a repossession has to have a chance to avoid it and come up to terms. 

In addition to this I constantly told this company to update the SSN on the account because it was inaccurate, they have not updated the number even when I sent documents. 

I complained over and over about the service, I have been treated unfair by this company and it's representatives, they are rude and disorganized that no one is on the same page, the executive office says one thing but the repossession team does not take orders from them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
case # XXXX what going with this fraud commented by Bank of American!!!??

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 2016-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
It has been reported on my credit reports that I have an account with Capital One bank that is not my account. I received a letter from Capital One bank stating that they purchased the account from XXXX and that this is my account. I contacted Capital One Bank again today online and when asked to verify my birth date they stated that was not the birth date on my account. The reason is because this is not my account. I have previously had accounts with Capital One that have been paid ans closed. I never had an account with XXXX. This is not my account and I would like this information removed from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
A loan modification request packet was faxed to the lender on  XXXX   XXXX  and additional documents faxed  XXXX   XXXX . This packet included a TPA for authorization to get an update on the modification review. The lender did not upload the tpa in time so when I called the lender on  XXXX   XXXX ,  XXXX  they could not provide me with an update. We called back  XXXX   XXXX  and representative  XXXX  id #  XXXX  advised they received the packet but does n't look like it has been reviewed yet. We were provi ded the SPOC i nformation for  XXXX   XXXX  email :  XXXX  XXXX  XXXX   XXXX . Called back again on  XXXX   XXXX  spoke to id #  XXXX  and nothing had been reviewed yet. Called back again  XXXX   XXXX  spoke to  XXXX  id #  XXXX  an d SPOC  was not available and there was no review update. Called back again  XXXX   XXXX  spoke to  XXXX  id #  XXXX  and there was no review update and spoc was not available. An email was sent to the spoc assigned on  XXXX   XXXX  with no response. Called in today  XXXX  and there was still no review of documents on file so I spoke to a supervisor  XXXX   XXXX  and he submitted a reassignment of the loan to a new point of contact to review the loan modification packet submitted and uploaded by  XXXX   XXXX . I was told the new representative will nee d 5  business days to review the documents before they can provide me with an update. He also stated that they will most likely ask for new financial information because the time that has passed. Well the time that has passed is due to the lenders fault so if the packet was complete in  XXXX  it is complete now and we should n't have to resubmit new financials because of the lender not doing their job.  XXXX    XXXX  spoke to  XXXX  id #  XXXX  informed that the modification was not approved. Requested a repayment plan. On  XXXX   XXXX , Repayment plan has not been approved. A call was made daily since  XXXX   XXXX ,  XXXX  to  Citi to req uest information.

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 2021-02-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Experian has been notified that the collection on my report was removed previously and they have the records that show this. Still they are allowing another creditor to place the same collection on my account after it has been removed previously. These violations should not be allowed, nor have i been given any explanation on what law allows this, whether fcra or the fdcpa, spelling could be incorrect. But i need it removed like it was previously. Please dont have me pull up my records and take this matter before the courts. The collection from XXXX XXXXXXXX university was removed, ergo it stays that way. 
.

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