BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-29
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
KeyBank closed my account due to it being overdrawn. This due I believe to XXXX making an unauthorized " purchase '' of two {$1000.00} transactions on XX/XX/XXXX of this year, withdrawn from my checking account. 

Yet when I tried to make a small payment to Key, listing the reason on the check, they returned it to me .Guess no one can, even if what transpired not their fault, accepts the consequences of others, in this case XXXX. 

The attempt made, they had cash in hand, yet chose to turn away money owed them?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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:
A company XXXX XXXX has reopened a collection account from XXXX that has been paid over a year ago and cleared from my account with a different debt collection company. Now it has shown up again on 2 of my credit reports. I have sent a dispute and received a response and comment on my credit report " Consumer Disputes this information ''.

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 2021-08-02
Company: SN SERVICING CORPORATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind, due to some costly issues with the house, cars, family expenses! We tried to modify but the company wanted a good faith payment of XXXX. We didnt have it. So a representative suggested I file bankruptcy. The mortgage company had been sold 4 times, each time I proved I was keeping up on the insurance, but they keep adding XXXX on top of all the missed payments. I have home owners Insurance that has never lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
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: Personal information incorrect

Complaint:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: FL
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 have a Hard Inquiry from XXXX on XX/XX/2023 I have no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: NV
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 contacted XXXX about misleading accounts i see on my credit report. They still have not fixed these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Previously, In XX/XX/XXXX, I disputed a collection account on my Experian credit report. 
Dispute # XXXX Experian notified me of the results of the dispute on XX/XX/XXXX. They deleted the collection account from the original debtor was XXXX XXXX but had been sold to XXXX XXXX   XXXX prior to the dispute. 
Account # XXXX This item was removed from your credit report. 
XXXX XXXX  First reported XX/XX/XXXX Sold to XXXX XXXX XXXX   Account Name XXXX XXXX Account Number XXXX Account Type Credit card Individual Responsibility Date Opened XX/XX/XXXX Closed {$220.00} written off Status Updated XX/XX/XXXX Monthly Payment {$0.00} Credit Limit {$200.00} High bal {$320.00} t was removed on XX/XX/XXXX. I was notified of this on XX/XX/XXXX and have attached to this complaint report # XXXX that shows they removed it. 

Now 60 days later it appears on my Experian credit report again. My issues are that this account was already removed from my credit report because of my previous dispute. In the dispute results report there is a section that shows my credit report " before '' the collection account was removed. It shows XXXX XXXX XXXX as the owners of this collection account. 
Account Number XXXX. 

This account was removed and then recently it reappeared on my credit report. 

Now the General Account Info is different but it is the same account. 
Account Name XXXX XXXX XXXX Account Number XXXX Acct Type : Debt Buyer Responsibility : Individual Date Opened XX/XX/XXXX Status : Collection acct. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$220.00} Bal Updated XX/XX/XXXX Recent Paymnt Amt $ XXXX  Monthly Payment {$0.00} Original Balance {$220.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Once again I request proof of this debt. I have already disputed this collection account reappearing on my credit report with Experian. The dispute number is Report # XXXX dated XX/XX/XXXX. 

I have requested proof of this debt and have not received any response. 

Get this removed from my credit report or give me proof of the debt

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 2023-09-25
Company: Experian Information Solutions Inc.
State: WI
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: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 2021-12-02
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:
There is a debt on my credit report from XXXX XXXX XXXX and XXXX XXXXXXXX in the amount of {$30000.00}. Dates of disbursement are XX/XX/XXXX and XX/XX/XXXX I did not attend this school and this is not my debt. I tried to dispute this matter but I was threatened to pay or my wages would be garnished.

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 2023-10-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX | XXXX : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE XXXX Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} To whom it may concern you have violated my rights under the FCRA XXXX 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late XXXX with account number XXXX This account does not belong to me. 

INQUIRIES REMOVALS BELOW XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX Thank you for your time and attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
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: Account status incorrect

Complaint:
XXXX XXXX is reporting a paid charge off on my credit report which is inaccurate, account was paid on time and in full.

- Closed 3 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$20000.00} Monthly payment XXXX XXXX XXXX  Charge off - Data Unavailable Additional info Responsibility Individual Terms 37 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees

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 2021-10-08
Company: Experian Information Solutions Inc.
State: MO
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 have been trying to dispute this account and have it removed from my credit file due to inaccurate information reporting to the credit bureaus about this account.

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 2023-10-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a text about a potential fraud charge from chase and they said to give them a call if I noticed anymore unrecognized charges. I gave them a call and told them that a lot of charges on the account were fraud and filed a claim. And they denied the claim for no reason saying they can not find fraud even though they texted me about the fraud. This money is for every day use such as bills, food, etc. and has been a very unsettling thing for me to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: NY
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:
I disputed the " late payment '' markings on my credit report multiple times in writing including in a letter dated XX/XX/2021, these are unverified and incorrect. I have contacted Exquifax more than once about this issue and ask that they please removed these " late payments ''. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Ive disputed these accounts to XXXX, Transunion XXXX XXXX I have definitely been a Victim of Identity Theft and these accounts Ive reported they keep saying its mine they dont belong to me and sure dont belong on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: WA
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:
XXXXXXXX XXXX XXXX XXXX acct # : XXXX account balance : {$2700.00} XXXX XXXX XXXX acct # : XXXX account balance : {$1900.00} 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. 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 a 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 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 2021-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started receiving letters from XXXX XXXX XXXX in XXXX they have added more debt since this time they now have 4 cases they say I owe on I tried to pay on the first one in XXXX they refused to let me make automatic payments so I told them it was about time they got upto the times and allowed me to pay automatic every month. I didnt hear from them for many years then last year I began getting calls from them I explained the same way I did before they are not allowing me to make automatic payments. Since XXXX of this year I have received nonstop calls and mail from XXXX XXXX XXXX they had begun sending court papers I did dispute having 4 cards that I owed on they sent me 3 files but not the fourth. The information from original creditor does not show me that I was involved in any of these accounts. After I asked them not to contact me through mail or any other way explaining that I have tried to make automatic payments on 2 cases years ago and they refused to let me and now they are upto 4 cards. They sent me a paper for automatic payments in XX/XX/XXXX after saying for years they couldnt do this. I filled the paper out for all 4 accounts together stating they need to take the once a month payments out starting XX/XX/XXXX also sending this proof to the court. They then still continued to not take payments I even called XXXX XXXX XXXX office to ask why my payments still are not being take the lady told me sometimes it takes 30 days wait until XXXX. No payment taken in XXXX so I copied all these papers again and went to the post office and sent it so someone would have to sign when it was received. It has been signed for and I have not had a payment taken and still have not received anything by mail. I honestly have tried to pay on this only for them to add more accounts which I dont believe I even owe but to get ahead of this I tried to make payments and they refuse and now I have court papers for dates for all of these accounts I believe its not fair because I have tried to pay this for years. They have even told me in the past 2 years that I run my own business so they will take the money from my husbands paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I purchased a card in early XXXX, the card was loaded with {$250.00} ... when I went to load the card I got an " oops '' message ... stating to contact the company... I contacted them and they refused to activate my card because I didn't have id.it is now XX/XX/XXXX the card was processed on the 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 2023-08-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a 7 month CD with Wells Fargo not the first, I had used them for a CD the last one was 4 years back took out XXXX CD with them.Well this time my CD matures and contact them like last time that I would like that money to go to my Checking account just like last time.They inform me they have aa new policy that's different than the last time I took out a CD with them and that's they have XXXX business days to actually put my money back in my checking account and close the XXXX 's XXXX they have XXXX right to hold my funds for XXXX extra days till they get around to putting it in my checking.So I then asked the CROOKS will I be getting XXXX extra days of interest for them withholding my OWN MONEY and of course you know what the answer to that is NO! This BANK IS OUT OF CONTROL YOU HAVE FINED THEM ALMOST ON A MONTHLY BASIS.My suggestion to you is FINE WELLS FARGO WITH A FIGURE SO LARGE IT HURTS SO THEY WILL STOP SCREWING THE AMERICAN PUBLIC!!!! Thanks XXXX have a blessed day.

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 2018-07-06
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, Phoenix Financial called 4 tines in a day, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, and XXXXXXXX XXXX. Obviously they are calling more than once an hour, which is illegitimate collection tactics. This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I wrote to XXXX XXXX concerning two accounts which are showing chargeoffs and collection activity. I wrote to the company on XX/XX/XXXX and again on XX/XX/XXXX to request documentation to support the reported information or deletion of this inaccurate information. They never responded and have stonewalled me. They have a responsiblity to prove the reporting or repair or delete 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