BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Keybank XXXX and XXXX account on XX/XX/XXXX with funds from a recent house sale at the main XXXX, Ohio location at XXXX XXXX XXXX XXXX, XXXX, Ohio. Key, at the time, was running a 5.00 % APR special for the XXXX. I deposited over {$290000.00} into the account during the time it was open. When we found our next house, I needed the funds to purchase the new house, so on XX/XX/XXXX I visited the branch to close the account. During the account closing process, the teller 's system 'froze ' and they were unable to produce a check in a timely manner. I had to come back to the branch XXXX hours later to get the check. When I came back, I realized the check was for the book value of both the checking and savings account, without any additional interest for the XXXX of the month the account had been open ( from XX/XX/XXXX through XX/XX/XXXX ). I inquired, before leaving the branch with the check, as to the reason they were not including the additional interest, and was told by the banker I worked with that the standard process is to mail a check and I should receive it within XXXX weeks. I waited XXXX weeks, and began to inquire as to the reason I had not received the check. I first called their help hub on XXXX, and was told I would need to wait longer for the check to arrive, but was assured it was coming. I reached back out on XX/XX/XXXX, after the full XXXX weeks again and was told I would need to go to the branch as they would need to generate another check request, but was assured the funds would arrive eventually. I went to the branch, and spoke to their branch manager who said he would need to check with another group in the bank. On XX/XX/XXXX, I visited the branch again, and the branch manager indicated he did not follow up with the group, and would need to reach back out to them. 

Later that day ( XX/XX/XXXX ), he finally got back to me and said the reason I had not received the check, after being assured the funds were going to eventually be sent to me by XXXX different employees, was that I did not allow XXXX business days between the last date of interest paid, and closing the account according to the terms and conditions when I first opened the account. I was on day XXXX, because XXXX XXXX ( which most institutions do not regard as a holiday ) fell on XX/XX/XXXX. I feel I have been treated unfairly, and deceptively as this was not explained to me at the branch on the day I inquired about it, the same day I closed the account. Had I known this, and the branch was able to provide a correct reason, I absolutely would have waited an additional day to close the account. In addition, I was promised by XXXX employees the funds were on their way to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: MD
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 file a dispute with Experian regarding the account I have with XXXX XXXX XXXX. That account was paid in full as of XX/XX/2019. Experian sent me a letter stating that XXXX XXXX XXXX verified that I still have a remaining balance. Which is incorrect because I paid that account in full. Please see the below attachments.

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 2018-09-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am attaching my letter to XXXX with more details. To summarize : we paid {$780.00} to XXXX with my Citi credit card on XX/XX/XXXX for health insurance coverage. Later the premium was reduced to {$140.00} /month and we were forced by XXXX to initiate a partial payment dispute to get an overpayment of {$500.00} back. However XXXX blamed Citi for withdrawing all {$780.00} payment on XX/XX/XXXX and not leaving two month premiums of {$280.00} from my credit card to pay XXXX. XXXX reset our insurance policy termination date from XX/XX/XXXX to XX/XX/XXXX based upon their record. ( Please note that we also paid XXXX for insurance premiums with personal checks ). On the other hand, Citi said that the two month premium payments from my credit card was made to XXXX from the very beginning so that it is not Citis problem. But Citi refused my request to provide detailed evidence to challenge XXXX 's record. Neither Citi nor XXXX takes responsibility for this and we received full medical bills from medical providers and debt collectors like we didnt have coverage for the time period that we actually paid for. We have filed complaint to New Jersey Department of Banking and Insurance ( NJDOBI ). I also attached their investigation letter here. I would like to have CFPB investigate this to see if Citi or XXXX is responsible for this. If this is not Citi 's problem, please provide conclusions/investigation results on this so I can continue to seek help from NJDOBI or other government agencies.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-03-13
Company: Commonwealth Financial Systems, 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:
To Whom It May Concern, The reason for my dispute is COMMON WEALTH FINANCIAL was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMON WEALTH FINANCIAL failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation COMMON WEALTH FINANCIAL is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where COMMON WEALTH FINANCIAL is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. COMMON WEALTH FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: GA
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:
An account that was previously deleted from my consumer report has just been reinserted. There should have been a full reinvestigation before this reinsertion. According to 15 usc 1681i a consumer reporting agency must provide me with something in writing at my home address within 5 days that a file is being reinstated on my account. Furthermore, you must also communicate who you spoke with to verify this reinsertion.

Account : US Dept of Ed

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 2018-03-16
Company: CITIBANK, N.A.
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:
Citibank is reporting a balance of XXXX but commenting that acct was paid for less than full balance. When I negotiated a settlement, I was told that there would be no negative reporting to the credit bureaus. Obviously XXXX did not keep their end of the bargain. Hopefully you can help me or I will have file a lawsuit to getting this matter cleared up as it is hurting my ability to get a home loan.

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 2023-09-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, I called Experian Credit Reporting Agency at XXXX XXXX. When I finally was able to speak with a rep, I explained that I wanted to correct the personal information section of the report and file a dispute for the public information section. This representative was very, very helpful. He made the corrections to my physical mailing address, as well as, he was able to correct the many misspellings of my name. He was able to remove that information but had to transfer me to the fraud department because I expressed an identity theft on my credit report. Again, this first gentleman was an upstanding employee and very willing to help. I feel a little bad that I don't remember his name. 

I was then transferred to " XXXX in the fraud department. '' This is how he responded to me asking if he had an ID # or if he could provide me with his last name. My asking for his information was based on his sarcastic remarks, his resistance to helping to correct the error I had identified on my report, and his verbal denial of my ability to file a dispute against the reporting agency, Experian. 

I cited 15 U.S.C. 1681 codes including but not limited to 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681 ( c ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681i ( a ), and 15 U.S.C. 1681c-2 ( a ). Yet he continued to verbally deny my request.

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 2022-02-15
Company: The CMI Group, Inc.
State: CA
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 had an outstanding bill at XXXX for XXXX. I paid the full bill to their assignede collection agency Credit Management XXXX on XX/XX/2022. On XX/XX/2022 I was notified by XXXX XXXX XXXX that they had received a new collection account for the same XXXX bill. I sent a copy of the bank statements to XXXX showing the bill had been paid. I also contacted Credit Management on XX/XX/2022, they would not accept responsibility for their own error in not sending the paid account information to XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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 XXXX Experian XXXX Account Type : Account Type - Detail : XXXX Installment account XXXX XXXX XXXX Experian Installment High Credit : XXXX {$12000.00} XXXX {$12000.00} Experian : 0 Last Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX ExperianXX/XX/XXXX Times 30/60/90 days late XXXX 0/0/0 XXXX XXXX ( different on different sites ) Experian XXXX A ) As you can see I'm making my complaint because the credit bureaus are reporting inconsistent and inaccurate repossession information that are damaging my credit report. 
B ) Other information is inaccurate also which means the negative item on my my report is illegal and against the Fair Credit Reporting Act. 

I HAVE SENT OUT AND CALLED MULTIPLES TIMES REGARDING THIS MATTER AND HAVE NOT RECEIVED ANY INFORMATION BACK.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXXXXXX Balance {$7200.00} ; XXXX XXXX Balance {$9300.00} ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX Inquired on XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-13
Company: EQUIFAX, INC.
State: NJ
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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have contacted BoA numerous times for a dispute on unauthorized fraudulent transactions. The first time I was denied the agent told me that it was because of not being able to get ATM security footage. However they agreed that I shouldnt be held responsible for that so they reopened it. After that it was reopened several times and each time would be a different reason or they couldnt give me one. Also it was as if they would deny it immediately because the claim would be closed within the next day or two without it being reviewed thoroughly. I have still yet to be credited back the amount of money taken. It has become an inconvenient and now have gotten behind on bills. I also asked several times to mail out any documents they used to make a decision but I have never received anything. Also there are already allegations against BoA for prepaid accounts being frozen and not crediting money back to accounts that also reported unauthorized/fraudulent transactions. This is a very unacceptable business 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 2017-11-27
Company: Sterling Infosystems Inc.
State: TN
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: Old information reappears or never goes away

Complaint:
XXXX County Texas case number ( XXXX ) was dismissed and not a Conviction. Sterling has verified this with the courts as well and only removed it from XXXX XXXX XXXX  background check only. This case is also past 7 years old I am requesting that it be Completely removed from my background all together in case any other company run a background check for employment. Please see documentation from Sterling. 

Also XXXX County Texas case number XXXX should not be showing up on my background check either because it is past 7 years old. The document from Sterling say the filed date is XX/XX/XXXX in which that is incorrect. The filed date is XX/XX/XXXX in which it is past 7 years as of XX/XX/XXXX. I am requesting that this be removed completely from my background check all together not just only Sterling background check but whomever try to run a background check on me for employment. I have attached documentation for both. Per Sterling pre employment background check stated that it will go back within the past 7 years. So 7 years from XX/XX/XXXXwould be XXXX. Please see attached

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 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Someone filed for credit cards in my name and I found out when I went to make a truck purchase and was declined

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 2022-12-23
Company: Experian Information Solutions 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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