BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Keynote Consulting, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Company illegally sent bogus credit card collection lawsuit to XXXX XXXX XXXX. 

I personally informed XXXX XXXX XXXX that I do not reside in XXXX XXXX or the State of Illinois Keynote and XXXX are pursuing a lawsuit against me in XXXX XXXX with the intent of collecting monies on a credit card that was used fraudulently throughout the US. 

XXXX XXXX  firm has been informed that I was never served in XXXX XXXX because I do no reside or work there. I am a totally and permanently XXXX veteran and I do not work and I explained this to XXXX XXXX XXXX. They and Key note are only interested in preying on XXXX and XXXX people in XXXX XXXX. Any and all forms of income that I receive is from the VA and it is federally protected income. 
Benefits covered by this rule : Social Security Supplemental Security Income Veterans Federal Railroad retirement, unemployment and sickness Civil Service Retirement System Federal Employee Retirement System. 

XXXX XXXX XXXX XXXX has been warned in the past month by the XXXX XXXX XXXX and the Illinois Attorney General about these deceptive business practices. If you would take a look at the complaint from XXXX XX/XX/2021 you will see that XXXX and Keynote both agreed to remove the bogus item and later they intentionally reinserted the item .The FTC has a copy of the report and they have informed me to file another complaint with you and the Illinois Attorney General Please be advised of the National Credit Bureau Case Number : XXXX Federal Trade Commission investigation number : Report Number : XXXX Be advised that this case is pending federal litigation.

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 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly a collection in the amount of {$2400.00} on the XXXXXXXX XXXX   XXXX XXXX  XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, 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 have two accounts with XXXX XXXX that were both charged off as of XX/XX/XXXX. Now this company has said these have been charged off again starting XX/XX/XXXX. At this time this data in inaccurate for I do not believe they are able to charge them off twice. They have changed this information on my credit report and now it will not pull correctly on credit reporting sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Account Control Technology, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I called and spoke to a representative at Account Control Technology to settle an account that I had with them. Upon coming up with an agreement we settled the account for the amount of {$2000.00}. After doing so I had requested a settlement letter and was assured that I will receive one in 5-7 business days. It is now XXXX and I have yet to receive the letter ; it is affecting my credit and approval for a mortgage loan. Once again, on XX/XX/2021, I had called Account Control Technology to explain that I have never received the settlement letter. I was referred to XXXX XXXX, the school that I had previously attended, and told that it was the school 's problem, not theirs. After that conversation, I had contacted the school immediately after to which they said they could not provide the letter since the account was paid to the collection agency, not them ; which I had already known but wanted to get that confirmation from XXXX. I had called Account Control Technology a third time on XX/XX/2021, and spoke to a representative by the name of XXXX XXXX and then a man who claimed to be the supervisor by the name of XXXX XXXX ( he did not want to disclose his last name when I asked for it ). I had told them what was explained to me by XXXX and they continued to say " the company can not provide a letter stating a settlement '' and that it was " out of their hands. '' They continued to refer me to XXXX to solve the problem, which is not possible considering the amount that I had paid was to the collection agency and not the school itself. This account is still showing up on my credit report and has not been removed, despite the account being settled.

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 2017-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a dispute with Transunion concerning XXXX accounts on my credit report that I am not responsible for. I submitted this dispute on XX/XX/2017 ( accounts are with XXXX XXXX and XXXX ). I received a letter from Transunion dated for XX/XX/2017 stating that the agencies verified the accounts and they are accurate. I find it extremely hard to believe that they could complete the investigation within two days, especially, when it the businesses have 30-45 days to verify. I have spoken to XXXX XXXX personally and they stated that they do not have the account in question and attempted to transfer me to a collection agency ( whom I was never able to get in contact with ). On the report it states that the account was purchased by another lender, however, that lender is not listed on my credit report. I would like these accounts to be removed off my credit report as they are hindering me from moving ahead in life and purchasing my first house. Thank you for all you assistance.

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 2017-04-12
Company: ROC Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX from API XXXX has called my relatives and friends using information obtained outside of information I gave to the original creditor for a personal loan. XXXX impersonated an attorney from a Legal department representing her " Client '' when in fact API owns the debt. She referred to a " case '' and provided a " case number '' and threatened to take legal action by Friday of this week in XXXX county. I have a recording of the voicemail. When I called her back, she original claimed to be a " mediator '' ( which is a court official ) and then gave up on that claim and offered a settlement with API, her employer. The phone number she gave was ( XXXX ) XXXX ext XXXX. Please investigate this unscrupulous company. There are so many complaints online.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-29
Company: EQUIFAX, INC.
State: VA
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: Problem getting your free annual credit report

Complaint:
Equifax is not providing any means to acquire my credit report as required by law. I have attempted to request my report through the tool for free annual credit reports website, through another credit reporting agency 's all-in-one paid feature, and directly through their website. 

Equifax 's website features appear to be de-funct. Several items on my report summary are inaccurate and the accounts have a "? '' with an unidentified creditor name. I am unable to view or dispute any items on the Equifax website. Although their website states you can also request your report by mail, the required form attachment is not a pdf as indicated. The form is not ADA-compliant and the form 's program is unrecognizable to my computer and unable to download. 

Equifax 's on-line verification process does not provide options consistent enough to verify my identity. I have been asked questions for identity verification where none of the answers are correct and there is no option for " none of the above ''. I am a former XXXX employee whose information was previously hacked and it is extremely important to me that I am able to access my credit reports to insure my identity has not been stolen. I do not understand why Equifax is allowed to operate in this manner and make it so difficult for consumers to access their credit? Are n't they required to provide an accurate means for consumers to access and dispute adverse information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have noticed that Experian is now days plagued with incorrect or missing information. The company not only is Inaccurate they also shields behind " heavy calls volumes '' and do not return phone calls asking for answers. The company is acting childishly and shady. I have noticed it few years ago, however, the practice is becoming " as usual '' in the recent times. Since they hold important information a disruption of the individuals financial life is predictable. I believe that Experian act on a conspiracy theory where the company VOLUNTARILY omits information or hire individuals not so able to work on its contest. 
I urge the federals to launch a full scale investigation amid possibly voluntary misleading financial information. 
Respectfully 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 2018-07-07
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was apart of the XXXX XXXX XXXX fraud. I'm reading alot about people getting there debts paid off because of this corrupted company. 
I went from around XXXX  XXXX I still owe XXXX. 
I got my bachelor 's XXXX XXXX XXXX, XXXX XXXX, MI Where do I go from here XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX and XXXX Is reporting incorrect information on my credit report. Please investigate immediately..The law was set in place to protect improper use of my credit and I am holding XXXX and XXXX responsible.. 
1 no written authorization for my personal information on the credit report 2 The right of privacy by law which they broke after several dispute 3 I want justice this information was sent to all Transunion XXXX and 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 2022-08-30
Company: EQUIFAX, INC.
State: UT
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:
EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INC. IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, XXXX XXXX XXXX  ON OR ABOUT XXXX XXXX. XXXX 
# XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX  XXXX Opened XX/XX/2013 Amount XXXX Account balance XXXX account paid XXXX balance

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 2017-08-25
Company: CL Holdings LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The debt collector is reporting incorrectly the date of delinquency on my credit report to make the debt appear new again. This account was charged off by the original creditor and is over 6 years old. It is being displayed on my credit report as date opened XX/XX/XXXX2017. I believe they are violating my consumer rights by falsely and inaccurately report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying for 3 weeks to get a transaction history of my mortgage account with Truist back through XX/XX/XXXX. Online data only goes back to XX/XX/XXXX. I need this information to satisfy underwriters for a new mortgage I have been trying to settle on at another company. 

My mortgage with Truist was under forbearance and so nothing was reported to credit reporting agencies, yet I was charged late fees for the first XXXX months of forbearance. I have asked Truist to refund those fees. I was verbally told when I entered forbearance that it would begin XX/XX/XXXX, however it was nearly another 7 months until I received a copy of my Forbearance Plan, by letter dated XX/XX/XXXX, and it was unclear about the status of XX/XX/XXXX and XX/XX/XXXX. 

Forbearance ended after suspension of my XX/XX/XXXX payment. The underwriters for my new loan do not understand how Truist was reporting my XX/XX/XXXX payment. A letter to me dated XX/XX/XXXX states that no fees will be assessed nor reports made to credit reporting agencies while they processed a final solution. 

I have talked to the manager at my local Truist branch, but they do not have access to mortgage records and told me to call mortgage services. The first time I called, they promised to email that information in 24-48 hours, which they did. However, they failed to tell me that it would arrive in a time-sensitive email or that it could not be opened by any mobile device, which is all I own. The sender did not respond to my email request for additional help opening the email. The second time I called, they promised to resend the transaction history after suggesting I ask Suntrust bank instead and would expedite my request and it would likely arrive in 24 hours. It did not arrive at all. The third time I called, the surly man who answered told me it had been mailed instead on XX/XX/XXXX. When I asked to speak with a supervisor, he disappeared from the conversation without telling me I was being put on hold for so long I thought the call had dropped. Then he came back on the call and asked if I needed anything else, saying no supervisor was available and he scheduled one to contact me. That never happened. 

I need this transaction history to settle on another mortgage. I dont understand why it is so difficult for Truist to provide it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: MI
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because according to the 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. 

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX BANK Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Number XXXX XXXX BANK Account Number XXXX Account Name XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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, Capital One on both of my cards, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX, I received a copy of my credit report, in detailed it showed a collection from a third party company called Fair Collections and Out. This debt collector reported that I owe {$3300.00}. Consequently, this is a false attempt to collect a debt that was stolen from the original company- XXXX XXXX who did not solicit or file with Fair Collections and Out. When I spoke with XXXX the leasing agent from XXXX XXXX he stated, " He was not aware that XXXX XXXX had filed any actions against the account. '' In XXXX XXXX, myself and my roommate moved out of the apartment due to a fraudulent check that was written on the account. XXXX stated, " if we left before XXXX and did not leave the place in disarray he would not file an eviction against us. Now a year later there is an attempt to collect a debt from an account that is reported as a XXXX balance. According to the last printout, myself and said roommate does not have any monetary obligations to this property. 

I have sent emails, letters to each credit bureau, and a formal letter to Fair Collections and Out asking that this debt be removed. I have not received any responses from the either company. I have not received any documents stating that this account is validated by XXXX XXXX. 

Please look at the bottom of XXXX and you will see that the balance is 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 2017-04-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Hi, We are in the process of getting a mortgage from Citizens Bank. We submitted all paperwork and details the bank wanted 4 weeks prior to closing. We then were told we needed to submit a business XXXX which was submitted 4 times ( rejected 3 times due to handwritten info ) Mortgage lender did not tell us we could not hand write. Now we are on the XX/XX/XXXX and closing was supposed to be on the XX/XX/XXXX. We are now told that rates agreed on will not be honored because a disclosure document a different version of which has been sent 4 times had a clause on it for the XX/XX/XXXX. We have been asking the bank for past 3 weeks to tell us when they will finalize but no response. We also asked to speak to a supervisor but no response. Today they called me ( XX/XX/XXXX ) and said loan is not yet ready but we will lose the financing lock rate if the bank does not approve. The issue solely resides with the bank. Even after multiple communications a day to get the info they have not confirmed the closing date. They said we could provide you the closing letter sometime on the XX/XX/XXXX. How are we supposed to just know when that is and be ready to close. especially when it takes the lawyers time to prepare the closing documents from when the bank approves

Company response to consumer: Closed with explanation