BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-30
Company: KEYCORP
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
What Happened? 

Subject : Key Bank National Association " Key Bank '' extending processing, not evaluating documents properly. XXXX submitted XXXX requesting modification result from Separation settlement. XXXX has noted that a financial hardship does exist as a result of the marriage separation due to the extra cost involved. XXXX has provided all required documents to Key Bank, only to be denied. Key Bank commenced double tracking while homeowner was acting in good faith under the DOJ/ XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement. 


Key Bank is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified. 


This homeowner, feels that her case has been unfairly treated for the following reasons:1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 
2. Currently there is no single point of contact assigned to the pending foreclosure. 
3. I am qualified and able to request the MP2 modification via the National Mortgage Settlement Agreement and the DOJ Department of Justice XXXX States Attorney General 's Settlement Agreement. 
4. Homeowner is eligible under the CFPB Consumer Finance Protect Bureau guidelines : to request a XXXX mortgage principle reduction and or the HELOC forgiven. 
5. Homeowner has a XXXX mortgage and HELOC with Key Bank Account numbers : 1 ) XXXX and 2 ) XXXX. 
6. Key Bank has made a formal demand to start foreclosure proceedings on the Account number : XXXX : dated XXXX XXXX, 2015. 
7. Key Bank has started a double tracking procedure on XXXX XXXX, 2015 while homeowner is trying to work out a solution with in the HAMP guidelines. 
8. Homeowner is in a state of fear created by the collection tactics by Key Bank collection department. 

The Banks ' failure to discharge their required loan modification obligations, during homeowner 's honest attempt to save their home from foreclosure. 

Alleged violations, included, but are not limited to, the following : a ) Failing to perform proper loan modification processing ; b ) Failing to manage processing agents and special points of contacts, therefore causing the processing center unable to handle homeowner 's caseloads, a form of mortgage discrimination against homeowners.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: EQUIFAX, INC.
State: GA
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 spouse and I filed a Chapter  XXXX  in  XXXX   XXXX  and it was dismissed in  XXXX   XXXX  after we decided not to continue with it. No debts were dismissed or renegotiated. Equifax still shows this filing on both of our credit reports after over 9 years from filing and dismissal of said filing. What is the rule regarding removing a Chapter  XXXX  filing from a credit report? Is there consistency across the industry regarding the removal from a credit file?     I filed a dispute with Equifax hoping they would remove it but  XXXX  verified that the entry on my credit report is correct as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I received my discharge for my bankruptcy on XXXX/XXXX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.

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 2015-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently filled out an application to rent a house. When I received my Email from the rental place I was trying to rent from it stated that my rental history was declined.I then wondered why was it denied to to the fact that I have no rental history. I filed for a background screening report an once i received it I found that someone by the name of XXXX XXXX rented out of XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX in the amount of {$660.00} a month with an open balance of $ XXXX states that this person never gave proper notice of leaving the residence.I did not authorize this person or any other person to use any of my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22
Company: ERC
State: TX
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:
Hello ; I received a notification from Enhanced Recovery Company LLC for a delinquent account that is not mine. I am disputing the debt however, I undesrtand that ERC does not respond with nonverification of the debt and pursues to have the the debt posted to on one 's credit line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21
Company: ERC
State: CA
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 XXXX XXXX bill for XXXX. I did not open a account with this company. On the credit report ( XXXX ) it states that the account was open on XXXX/XXXX/16. This isnt my debt. Enhanced Recovery Corp

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX , I separated from my husband. My daughter and I continued to live in the house and pay the mortgage. I later asked the mortgage company to give me a statement and was denied because my name wasnt on the house. I asked if the house could be put in my name because I was paying the mortgage and was told no. I then asked could they tell me where the payments have been going and they said no. The mortgage company refused to discuss anything with me and said they would only speak with my husband. They requested that I send in check stubs, approval from my ex-husband giving me permission to ask for information on the house which I did. I sent in all requested paperwork for months and months with no resolution. The crazy thing is that I signed as the co-borrower when we first got the house so why not put it in my name. I should not have had to get my ex-husband to authorize the mortgage company to speak with me. I even tried to sell the house with a realtor helping me. She was getting the run around just like me because they kept asking her to fax the same paperwork over and over again. After we divorced in  XXXX , I was still denied information on the house and told that my ex-husband could come and take the house away from me at any time he saw fit. I was upset because I had been paying the bills with no paperwork saying where the money was going and told I dont have any claim to the house. After all the drama with the mortgage company, I decided to leave.

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 2015-12-06
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On my report is states that I have XXXX XXXX XXXX Student Loan accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed twice basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: EQUIFAX, 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:
On  2 Separ ate occasions I disputed unauthorized inquiries that were showing on my credit report, and on both occasions Equifax " so called ' investigated the disputes and found them to be accurate. My most recent dispute ( #  XXXX  ) of the following inquiries  ( Factual Data-   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX   XXXX   XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX   XXXX  -1/15/17, an  XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ) was submitted on  XXXX / XXXX / XXXX , Equifax completed the investigatio n 5 mins after I  submitted the dispute. There is no way possible that Equifax could have done a proper investigation into these disputes  in 5  mins. The investigation results states that inquiries are a factual record of file access but I have stated several times that I did not authorize these inquiries so they are not factual. Per the FCRA a thorough investigation must be done on all consumer disputes. The fact that Equifax closed my disp ute within 5 minutes show s that they did not investigate at all and are in direct violation of the FCRA. These inquiries must be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX  XXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) DPT EDXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) US DEPT ED Account XXXX : XXXX ( shows on credit report multiple times with inaccurate information ) XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXX DPT EDXXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On  XXXX / XXXX / 2017  a  XXXX    XXXX   XXXX   was pulled from Transunion. This is a soft pull and should not show up as a hard inquiry. I was made aware that this is showing as a hard inquiry through  XXXX  different monitoring companies.  XXXX   XXXX ,  XXXX   XXXX , and   XXXX   XXXX   which is part of Transunion. This error has caused my score to drop and would imply that I have applied for credit. I have talked to Transunion  XXXX  different times Monday  XXXX   XXXX , Tuesday  XXXX   XXXX , and Wednesday  XXXX   XXXX  to get this resolved. The staff that I talked with had no idea how to fix the problem. In fact they dismissed my concern and offered no solution. Transunion is reporting incorrect information and even after bringing it to their attention 3 times they failed to correct the problem. I have attached a copy of an email from  XXXX   XXXX  and  XXXX   XXXX  for validation and review.

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 2021-12-31
Company: City Enterprises, LLC
State: TN
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:
Ever since I have gotten the loan if I go one or more than 5 days past due they come at me with threats of taking my car .I have texts showing them just recently trying to take payment out multiple times in a 24 hr period off my debit card and also my wife 's debit card and I have voice mails of them threatening of repossession every time. I have kept in contact with them the best way I can and have done. In conversations with them I have told them situations of any late payment and they have lead me to think that they understand and that they will work with me and never do. The reviews I have read on the XXXX XXXX XXXX there are so many complaints on this company with the same thing that happened to others.

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 2016-02-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is duplicate student loans on my report. They have been closed on XXXX accounts and transferred. My student loans have been 90 % paid for. The information on my reports are inaccurate.

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 2015-12-17
Company: Big Picture Loans, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I do not know if this is a legit debtor, I received an aggressive call asking me to pay. It appeared legit and thus I paid the attached charges in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I recently submitted a complaint on Equifax for not investigating and addressing a problem on my credit report. They closed my CFPB complaint without providing any information on what was or is being done to address the problem. I am insisting that they reopen the case and investigate it and provide information on exactly what they are doing, or have done to address my complaint. Here is my original complaint : A collection account showed up on my credit report out of nowhere. I contacted the credit agencies to dispute it because it doesn't belong to me. I have no knowledge of the account and I received no notice from anyone about the account. It just showed up on my credit report. I contacted Equifax to dispute it. Equifax sent me an email with a document showing that they added a note to my credit report that it's disputed, but the account is still on my credit report. I have no documentation concerning this account because it is not mine! I have no knowledge of the account. It is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan with instaloan around the end of 2014. I made a few payments but could n't keep up. They loan company rolled over my loan to a new XXXX with old payment/interest attached to close previous loan and renew it. 
Now on my credit report it shows I have XXXX loans open with them when in fact i have only XXXX. 
I called Instalon and stated loans were being rejected to help pay off their loan because of being overextended for XXXX. I requested they report the XXXX loan as being closed ( is showing up as XXXX seperate loans ) and a new loan was created. They stated they could not do that and that XXXX loans would show until total loan of {$800.00} was paid. Credit report shows {$600.00} and {$800.00} loans from them which is not correct. 
They are reporting misleading information to credit bureaus.Also refused to participate in debt consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Case # XXXX - XXXX XXXX This has been paid and fully satisfied. Attached is the letter of confirmation dated dated XXXX XXXX, 2014. Record at XXXX on XXXX XXXX, 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Lender/Servicer proceeded with foreclosure sale the day after denial and did not give borrower opportunity to appeal the decision.     An appeal was sent to the lender as well regarding violations of RESPA Regulation X  12 C.F.R. 1024.41 ( g )  ( h ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My account was sold from Santander to a 3rd party vendor who I am working with their law office to pay back for a car that was repossessed about 6 years ago. For the last couple weeks two separate " litigations '' or " law offices '' have contacted me about the debt and stated that I am going to be sued and threatened to take me to court or show at my job and serve me. I already told them its odd I am being sued for something I am currently making payments on and have documentation for the payments and even went to court for it. I XXXX the phone numbers and they have all been listed as scammed. I also called the 3rd party vendor ( XXXX ) and was informed that the original creditor Santander was subjected to a scam hack and companies have obtained information from folks and have been contacting them. It concerns me because the individual stated my FULL social security, date of birth and address AND work environment. I began being suspicious when she told me the account and stated she can settle it for over 80 % less than what I currently owe and expunge the information off of my credit. She was persistent on receiving a payment when I asked her to send me a copy of the letter or debt from their office. I eventually hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I have attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the last few days their collection agency ( XXXX XXXX ) contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly this month so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone with them and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. I have absolutely no problem paying a {$99.00} charge if it is valid but I have a significant problem with XXXX not providing me the information to know whether it is valid. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation