BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: AR
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: Investigation took more than 30 days

Complaint:
1. I have excellent credit.You would never know it with the credit rating I was given which I felt was XXXX. 
2. My ex husbands debt was on my report when it was court ordered to be removed. This was for a co-sign that took place back in 1989. I had no ideal what my ex was using this loan for. The payment on that debt as far as I know is up to date. 
3. Experian left off the fact I had a sufficient debt in my name paid in full for siding with XXXX XXXX. This is part of XXXX XXXX. They did an excellent job.I would recommend them to anyone. 
4. I gave a list of existing businesses that have been paid in full that apparently was not on my credit report.This is included house repairs that were paid in full. 
5. The continual delay in refusing to have my score where is should be at 110 % is causing unnecessary stress, as well as insult to injury. It is also causing a delay in a purchase that should have happened a month ago. 
6. I have never been late on any payment for anything. My family as well as dear friends do not appreciate the continual delays that is seriously causing harm .It feels like credit scores are just another way for folks to be ripped off.

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 2023-06-16
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I want a refund for an {$4.00} fee another bank charged me and Keys outside atm fee, which incurred using another banks ATM. 

The drive through ATM was cash withdrawal disabled.

Keys teller them refused to disperse my finds through fun the window, or let me withdraw money within Keys limits. 

Is Key running out of money? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX telephone : XXXX Date : XX/XX/23 Time : XXXX EST

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I write this letter with an overwhelming and enduring sense of frustration, distress, and annoyance that has festered over the excruciatingly long period of more than two years. It is an outrage that I am compelled to address an issue of such gravity in this manner. For over two years, I have pleaded, cajoled, and implored your bureau to acknowledge my identity theft claims. Yet, your obstinate refusal to do so has persisted, subjecting me to an inexcusable ordeal that defies comprehension. The relentless nightmare of identity theft has cast a shadow over my life, causing immeasurable distress and heartache. Despite the irrefutable evidence I have provided, including official reports filed with law enforcement agencies, your bureau has chosen to ignore my pleas for justice. XXXX XXXX. Please delete this account 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 2023-05-18
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: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX told my ex husband and I that I would be removed as a co- signer from his mortgage when he modified the loan without me post divorce. He waited per their request to submit the finalized divorce paperwork along with the modification so that he could stay in the house on his own as he was previously. I was removed from the mortgage ( attached ) and I was removed from the deed. XXXX, however continues to keep their account on my credit illegally. Nothing has my name on it any longer and I have no responsibility to the home anymore. XXXX has refused to offer any assistance and continues to report as an open account on my credit causing me additional financial harm and emotional distress. I consulted an attorney and I was told that it was a mistake and they need to correct it. I have attached all the paperwork I have.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I write this letter with an overwhelming and enduring sense of frustration, distress, and annoyance that has festered over the excruciatingly long period of more than two years. It is an outrage that I am compelled to address an issue of such gravity in this manner. For over two years, I have pleaded, cajoled, and implored your bureau to acknowledge my identity theft claims. Yet, your obstinate refusal to do so has persisted, subjecting me to an inexcusable ordeal that defies comprehension. The relentless nightmare of identity theft has cast a shadow over my life, causing immeasurable distress and heartache. Despite the irrefutable evidence I have provided, including official reports filed with law enforcement agencies, your bureau has chosen to ignore my pleas for justice. XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. Please delete these accounts 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 2023-08-22
Company: Experian Information Solutions Inc.
State: MA
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-09-30
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 have attempted to disputed the information on my credit report several times asking for an investigation into the matter on XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Per TransUnion they investigated the dispute RESULT : Disputed information was verified as accurate TransUnion investigated your dispute but did not change your information. 

The account is in collections from a company I have never heard of which is XXXX XXXX XXXX XXXX which also lists XXXX XXXX  Original creditor - XXXX -called them and they confimed no knowledge of the account and also that had received numerous other calls about XXXX XXXX XXXX XXXX  - date of first call XX/XX/XXXX I do not owe this debit. TransUnions procedures in validating this information is questionable as on XX/XX/XXXX The Department of Financial Protection and Innovation -California issued a Desist and Refrain XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) is a California corporation formed on or around XX/XX/XXXX, with a last known business address at XXXX California XXXX XXXX XXXX XXXX, XXXX , California XXXX TransUnion however continues to allow this company to place this collection account onto my credit report and refuse to remove it through the dispute process. It has cost me financially and effect my ability to find housing

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 2021-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my account at Bank of America in XX/XX/XXXX. In XXXX XXXX XXXXXXXX, my account was blocked and any money going out kept getting declined including my card payments. I reached out to our RM and was told that my account is under review by the bank and it will take about 30 days for an answer. After the 30 days were over, we reached out and were told by our RM that our account is under review by the fraud department and will take another 90 days or more for an answer. 
We have tried to reach out to the bank and our RM via calls as well as emails to ask them what they thought was suspicious so that we can help them with the clarification by showing them our documents. However, we have gotten no response. The bank wants to do its own investigation without even asking for any documents. 
It has now been over 50 days since our account has been locked. We have {$110000.00} that has been frozen by the bank in that account and because of that, we are defaulting on a lot of payments to our suppliers as well as not being able to deliver the goods to our buyers who have given us the payment. 
We are on the verge of going out of business completely if this isn't resolved very soon. I am attaching the bank statement for the month of XX/XX/XXXX where you can see none of my payments were going through. I am also attaching the email thread of my conversation with the RM who didn't reply at first but when he did he said there is no update and we will have to wait.

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 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America decided to close my account and I dont know why. I have {$500.00} in the account from a return I made on a purchase months ago. The money is in the account but Bank Of America will not let me access it or send it to me bud certified check.

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 monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report, I never gave them written consent to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  XXXX credit card is reflecting negative on my credit report. They have sent me several of letters stating that they would not put it on my trans Union credit report. I have disputed several Times in they continue to not remove my credit report. I have sent the letter in more than once. It is only reflecting a late payment. I have requested several times for to be off my credit report to one will not provide me detail information regarding this account. They just recently added it on my XXXX credit report. The credit report does not have any detail information regarding this account. I am requesting XXXX  remove this from my credit report. I also would like to have XXXX XXXX, transunion, and XXXX validate the account or remove it from my credit report. Both account entails something different on both account. Please provide the FTC the letter that states that XXXX XXXX has agreed to remove from my credit report. The late payment reflects that it will be removed from my report this year.

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 2021-03-08
Company: EQUIFAX, INC.
State: NJ
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 have Challenge a account ( XXXX XXXX ) on my XXXX credit bureau, after there investigation multiple times it keep coming back verified with the issue still there after I told them do delete the account for inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: TX
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 paid off my XXXX XXXX XXXX XXXX  Ending in XXXX for {$10000.00} on XXXX XXXX. I was told on a phone call on XX/XX/XXXX at XXXX CST for 6:07 seconds that the account was closed, paid in full, and no further payment were needed as the account was in good standing. See attached documents proving the card was paid off in full. How can there be late payments on the account if theres a balance of XXXX? Somehow there are now late payments from XX/XX/XXXX to XX/XX/XXXX. I asked XXXX and Equifax to verify the account and they deemed it accurate. My credit report of XXXX XXXX Equifax are still showing these inaccuracies. According to USC 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. 

Thank you for hearing my complaint and I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am having problems with experian reporting my XXXX XXXX credit card on their report. Ive call them 15 times been on hold for 30mins, hung up on 5 times. Told something different every time. XXXX XXXX reports to all 3 agencys its on my XXXX and XXXX XXXX but not Experian. Experien tells me to call XXXX XXXX, XXXX XXXX tells me to call Experian. This has been since XX/XX/2019 with no resolve. Experien tells me to have XXXX XXXX call them directly but there is NO department that does this. I cant file a dispute because there is not option for this. XXXX XXXX told me to write a dispute letter to them and state they arent reporting but the is NO where to write the letter too. Im at a standstill loss here. I have no idea what to do next.

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 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX  and TransUnion multiple times since XX/XX/2019. I have opened disputes and they have not correctly resolved the issue and my credit score is negatively affected. My XXXX XXXX account is listed as post due for the month of XX/XX/2019. XXXX refunded late fees and interest to my account so that the balance was {$0.00}. XXXX  and TransUnion will not change the status from Past Due to current even though I have provided statements showing the refunded fees. XXXX said the account is up to date in their system and not past due for XX/XX/2019. Their recommendation was to dispute with the agencies which I have done multiple times. I dont understand why XXXX  updated the report and the others refuse. My credit score dropped significantly because of this. So much so I was advised against putting an offer on a house until it was resolved and now the house is no longer on the market!

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 2023-08-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My social security number is XXXX date of birth XXXX. My complaint on my experian credit report theirs are XXXX negative items that are charged off they supported to be removed from my experian credit report I filed a federal trade commission identity theft the XXXX negative items supposed to be removed fortiva off my report along with other negative item. Please have experian remove these items

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i submitted disputes with XXXX on XX/XX/2023 for unauthorized hard inquiries that i think someone was trying to establish credit in my name. The investigation was completed today XX/XX/2023 without a reasonable investigation. According to FCRA legally these unverified & unauthorized items Must be removed. I directly dispute the completeness and or accuracy of information contained in my consumer file. As per FCRA there here to reinvestigate is an intentional and/or negligent FCRA violation.Ive talked to the fraud dept to resolve these issues as wel as placing a fraud alert & freeze on my credit reports.

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 2021-07-07
Company: Experian Information Solutions Inc.
State: NV
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:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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