BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent numerous letters to this specific credit bureau, and have not gotten the results I've asked for. I have a significant amount of delinquent accounts on my credit file that does not belong to me due to identity theft in 2012, I have asked them to investigate and remove these items from my credit file but they are not holding back. I have also asked for PROOF OF DOCUMENTATION THAT BEARS MY PHYSICAL SIGNATURE once the investigation is complete and they have not sent me that proof either. 

I'm in desperate need of help from the CFPB, due to the fact that this has been hendering my life and I cant get approved for a home loan that I've applied for do to these negative items on my credit file, and the credit bureau won't do anything about it. 

The accounts below that are listed, I'm asking that you do a final reinvestigation and if you say the accounts belong to me, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX   XXXX XXXX - XXXX - XXX XXXX  - XXXX XXXX XXXX XXXX XXXX PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

THIS IS MY LAST RESORT, IF I DON'T HAVE THESE ITEMS DELETED, YOU CAN CONTACT MY LAWYER TO WORK OUT A SOLUTION TO AVIOD LITIGATION. MY LAWYER CONTACT INFORMATION IS LISTED BELOW. 

XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX OH 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 non-monetary relief
Consumer complaint received 2017-06-06
Company: Cascade Creditors Service, llc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX, XXXX began reporting a debt that was already being reported by a collection agency - XXXX which showed an assigned date of XXXX/XXXX/XXXX. XXXX XXXX XXXX reaged this account and began double reporting the same account concurrently with XXXX. This debt did not belong to me, the original creditor applied charges to my former account instead of creating a new account for my ex-husband for the services received. I worked with XXXX and they have removed the account and returned the account to the original creditor. 

I have attempted twice to contact XXXX XXXX to verify/validate the debt/dispute with the information above. XXXX XXXX has failed to respond to my requests for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent numerous letters to this specific credit bureau, and have not gotten the results I've asked for. I have a significant amount of delinquent accounts on my credit file that does not belong to me due to identity theft in 2012, I have asked them to investigate and remove these items from my credit file but they are not holding back. I have also asked for PROOF OF DOCUMENTATION THAT BEARS MY PHYSICAL SIGNATURE once the investigation is complete and they have not sent me that proof either. 

I'm in desperate need of help from the CFPB, due to the fact that this has been hendering my life and I cant get approved for a home loan that I've applied for do to these negative items on my credit file, and the credit bureau won't do anything about it. 

The accounts below that are listed, I'm asking that you do a final reinvestigation and if you say the accounts belong to me, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX  XXXX - XXXX - XXX XXXX  - XXXX XXXX XXXX - XXXXXXX PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

THIS IS MY LAST RESORT, IF I DON'T HAVE THESE ITEMS DELETED, YOU CAN CONTACT MY LAWYER TO WORK OUT A SOLUTION TO AVIOD LITIGATION. MY LAWYER CONTACT INFORMATION IS LISTED BELOW. 

XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX OH 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 2017-06-06
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing  Santander Consumer USA a s a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of  Rule 5000 F DIC, that it has been in defaul t for 180-days or more . This is the federal mandate, not mine. This loan is currently being paid on and is current.  Santander Consumer USA i s maintaining a charge off even though the  180-day la te timeline was never reached, and  Santander Consumer USA ne ver filed a default on record with any  XXXX  filing with the  Securities & Exchange Commission . I am a member of th e  XXXX  Community  that came to  America  for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full.   SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!!   I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!!   SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!!   I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!!   THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a letter from a collection agency in regards to a debt I know nothing about from  Penn credit I  have no agreement or contract with this company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by XXXX XXXX XXXX XXXX in the amount of {$370.00}. Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to take care of the debt owed. I have finally found employment ( $ XXXX at a XXXX  ) and have been able to save. I am writing to ask if you would be willing to accept {$370.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please either e-mail or mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$370.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/21 could not get through after constantly on hold This company keeps lowering my score, I have paid off a loan and 2 credit cards, I opened a new credit card, one that carries no annual fee, they lowered my score by 17 points because I charged XXXX to one of my cards, that is not right at all, my overall balances have decreased over the last 8 months, I have not been using the cards, I just used one to pay something, my debt to income ratio is at 25.2 %. I have been trying to get my score up, and they decrease it for no reasonable cause! see attached to the latest, I was almost at 640 now they decrease me and put me at a low score again, this is going on too long I need assistance. My friend recently got a new credit card with no annual fee, and closed another and her score went up 45 points! my payment history is stellar this is unfair practice!

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 2023-01-13
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a loyalty checking account online with XXXXXXXX XXXX XXXX on XXXX I deposited money to fund the account on XXXX  & then authorized payment of {$2500.00} by direct deposit from my XXXX account on XXXX XXXX XXXX  locked the account on XXXX  because they detected some kind of fraud and sent me a letter to that effect on the same date. There is no evidence of any kind of fraud by me or anyone else. They told me I had to wait until I got the account closed letter in the mail. this never came. The account remains locked and I have no access to the money. I have called at least 4 times and I'm getting the runaround. I called again today & was told they haven't decided if they are going to close the account. I told them I wanted to close the account now. Then they told me I would receive a check in 7-10 days. I said I wanted to close the account now and have access to the money so it could go back to XXXX. The agent transferred me to Key Bank & they hung up. i was on the phone for about 40 mins and got nowhere. At this point I just want to transfer the money back into my XXXX account. The account is still locked and the money is locked up with it. I hope you can help me with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't stop withdrawals from your bank account

Complaint:
My vehicle was paid in full on  XX/XX/XXXX . On  XX/XX/XXXX  the bank pulled a additional payment. Upon calling the bank they acknowledged the overpayment and stated that since it was ach from my account that the check would be mauled back to me. I still as of today have not received the check. After speaking to the bank they now state they do not have a association with the  Bill p ay sevice. However upon searching the billpayment service it shows owned by fifth third. The bill payment swrviceis also now staying they have no record.I have provided bank statements and have spent countless hours working to get back the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX2017, I called DCI for more information about their {$280.00} collections on my credit report. The first collector stated that DCI failed to send out a validation letter informing me of my right to dispute as a result of a Do Not Call Request. He went on to say that the original creditor sent notice and refused to explain to me why his employer, DCI ceased written corrospondents. He ended the call by stating that he could no longer help me. I warned him not to terminate the call. I called back and spoke with someone who identified himself as a Project Manager who begin to repeat an inverted form of my address to me in an attempt to suggest that DCI had the incorrect address. I summarized the previous call to him and he chose to imply that I did n't understand what a validation letter. The manager contradicted the previous collector 's responses and insisted that the Do Not Call Request was instead a request for DCI not to contact me at all. Both collectors interrupted me repeatedly and refused to answer my questions regarding validation of debt. My credit score has dropped 34 points as recently as this morning. How do I rectify this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: PA
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:
XXXX   XXXX   XXXX ,  XXXX  {$280.00}  XXXX   XXXX   XXXX ,  XXXX  {$83.00} These  XXXX  account are to me removed from my credit file!   This is not a dispute and no remarks relating to dispute are permitted to be placed on my credit report!  <P/> These accounts were opened without my knowledge and were never to be in my name! I have already had them removed from  XXXX  as well as  XXXX  However Equifax refuses to remove them!  <P/> I want these removed from my file completely as there was never any agreement from me for these accounts to be in my name or reported to my credit files!  <P/> Again I just want them removed as they are illegally reported and reporting on my credit file with Equifax! This is not a " dispute '' and is not to be reported as such on my file!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Flagstar Bank, N.A.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Flagstar knew the amount of our taxes due to the adjustment we received the first year of our home. They said we missed payments which is not true and they sent a letter stating we were short on the escrow. The letter stated we owed almost XXXX. Flagstar raised are mortgage twice and the last was at almost XXXX and when i spoke with them due to the concern of it not being applied to the escrow. They were applying our payments to the apr and not the escrow amount. We were threatened with default on several occassisons and forced to do a loan modification. They have not sent any error letters on thier behalf, no apology and no refund. We had a VA mortgage and they caused us to go delinquent and have charge offs on our credit due to having paid almost XXXX for about 7 months. I have documentation and proof of the document I requested from our county the amount due was only {$1700.00}. They have caused us financial ruin and took advantage of us being newly retired from the XXXX. This shouldn't happen to anyone and i will be following up with the documents to the VA. We have a XXXX XXXX XXXX and spoke with the military personal financial management and are considering seeking an attorney. We payed over XXXX and still had to do a modification. We were forced.Not only were we forced to pay almost {$4000.00} but also {$2800.00}. All the documents you will find enclosed.

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 2021-06-11
Company: CBC Companies, Inc.
State: IL
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 XXXX has failed to verify debt within 30 days requested. Attached is my debt validation letter dated XX/XX/2021 marked as ( Exhibit A ). XXXX XXXX XXXX admitted in their letter dated XX/XX/2021 ( Exhibit B ) that they do not have the original certified verified validated contract with wet-ink signature on it. They admitted to not having any original loan documentation in their possession. Copies of copies are not validation and by law are not considered proof. XXXX XXXX XXXX is in direct violation of 15 USC 1692 ( g ) and Section 809 ( b ). They have failed to verify debt within 30 days. Please remove this invalidated unverified account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Capital One denied an " End of Lease Buyout '' financing loan to me due to " Previous delinquent account ''. Company never stated what the account was so I contacted them to find out. They also refused to work any type of deal regarding the supposed debt meaning to consolidate the debt into the car loan. They did mention that it was NOT denied due to credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Medical debt is not to be reported but yet this company keeps reporting different amounts ranging from XXXX dollar to XXXX dollars. Also I have exempted income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in 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 non-monetary relief
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: PA
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: HireRight Solutions, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Missing employment info. I have copies of employment history with a  XXXX  company that does not reflect on consumet report. Also company that previously requested this info from this consumer reporting agency provided me a copy of the report with my employment background stated on report but now this info no longer showing up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: PNC Bank N.A.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
We made payment to PNC home equity account. However the payment was not reflected on the balance. PNC is still charging us interest for the balance we have already paid. 

Below is the timeline summarizing what happened : We totally draw {$100000.00} on XX/XX/XXXX from PNC home equity account. 
we made monthly payments from XX/XX/XXXX to XX/XX/XXXX We made payment to principal on XX/XX/XXXX of {$8300.00} we made {$30000.00} payment to principal on XX/XX/XXXX We transferred from virtual wallet account to Home equity account of XXXX on XX/XX/XXXX. 
We bring {$60000.00} check to the local branch to pay off the principal on XX/XX/XXXX ( check amount of {$15000.00}, {$25000.00} and {$10000.00} and {$10000.00} ), among which one of the XXXX check was returned, the rest {$50000.00} was deposit and cleared from other banks ( see attached deposited check images ) we transferred {$1000.00} from my equity loan account to my regular PNC virtual wallet account on XX/XX/XXXX. 

Due to the returned XXXX check, PNC has been holding all the deposited {$50000.00} and not showing as the principal payoff, PNC is still charging us monthly payment based of {$59000.00} balance, we actually only own PNC about {$9000.00}. 

Since this issue occurred, I have talked to banker in PNC bank XXXX XXXX   branch, they told me they can't do anything. We then filed a customer complaint case with PNC customer relation team, XXXX XXXX with case No XXXX, we have been actively following up with her every week since XX/XX/XXXX, but still nothing has been resolved. 

We received the payment statement for XXXX. PNC charged us $ XXXX monthly payment for the remaining balance which is not correct.

Company response to consumer: Closed with explanation