BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother got a lawsuit advance Wich she got a notarized document for the company to send the funds to my account was done perfectly and to alert the bank I scheduled a direct deposit from the lending company for the amount Wich made a canceled check for me to give lending company, the next day the company wires the money shows in my account few min later they kicked me out of my own line restricted my account for suspected fraud so I go into the branch they contact fraud dept who says I have to wait for them to verify funds so the lending company gives me a fed ref # wich I couldn't get customer services to even take from me... Iso when they were speaking to fraud because i wasnt allowed I ask is there something i could do to help them verify funds they said no..so here i am homeless hungary broke and with out my money and told i cant do anything but wait for them to want to release my money not even close my account and for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: KS
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: HYUNDAI CAPITAL AMERICA
State: TX
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:
This complaint is an add on to my last complaint since it only allows me to list XXXX companies. 

XXXX XXXX XXXX XXXX XXXX XXXX  There are hard inquiries on my credit report that were made without my authorization. I was not able to reach a representative with XXXX XXXX to dispute it. I was able to reach a representative with XXXX XXXX, however they were not helpful. I told them that I wanted to dispute a hard inquiry that was made without my authorization. The representative asked for my account number. I told her that I do not have an account with them. I asked to speak to a supervisor and she told me no and that if I do not have an account with them, they can not do anything with my credit report. I proceeded to ask her why they ran my credit then if I do not have an account with them. She did not answer my question and told me that I needed to contact the credit bureaus. I told her that I already did and that they told me to contact the lenders. She stated again that if I do not have an account with them, that she was unable to assist me. I reiterated to her that I do not have an account with them, which is why I'm disputing an inquiry that was made on my credit report. She hung up the phone on me.

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 2022-07-07
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Account from XXXX XXXX was discharged in XXXX. XXXX. Company kept billing me, disconnected my service, and sent the account to collections despite knowing and having a record of this. Had my attorney attempt to reason with them, to no avail. Their actions made it difficult for me to take care of personal and medical needs, as I've gone for weeks without reliable phone service. This company is devious, with XXXX respect for its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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: Information belongs to someone else

Complaint:
To Whom It May Concern, I recently checked my credit report XXXX  and there were a few errors on my credit account that I was told would be removed from my credit report but yet Is still reporting. I am just trying to get everything accurate. Due to everything going on In this world with the Corona-Virus, I have had more time to look at my report and notice these errors. 

Late Removal XXXX XX/XX/XXXX ( I was told by there customer service. I would be given a goodwill adjustment and that this was going to be removed from my report report ) Hard Inquiry XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ( When I found out about these 2 accounts I closed them right away as I never opened them and they were not authorized by me. If anyone can show any validation of me going to there stores signing anything. Never happened. They had agreed to remove these hard pulls from my account since I never authorized the card. The way the Customer Service rep explained was these cards will be removed from credit report all together since I owed no money and gone from Inquires since I never applied for them ) XXXX  XXXX  XX/XX/XXXX not authorized by me ( I believe this to be fraud ) XXXX XXXX  XX/XX/XXXX not authorized by me ( I believe this to be fraud )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: TN
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this issue has been addressed multiple time an no action has been taken. checking the information reported all data is reporting illegal information an fraudulent data. this has caused many denials on my credit report. please review an remove the listed items to help update my credit report correctly asap.

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 2022-12-31
Company: SUNRISE CREDIT SERVICES, 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:
This company is reporting incorrect information. This is causing me great XXXX, harassment, and humiliation. The account reporting 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 2022-07-07
Company: EQUIFAX, INC.
State: TN
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, XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
State: IN
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 requested the student loan be removed and old addresses be removed from my report that is missing information and is reporting inaccurate information on XX/XX/2018. They didn't remove them even when 30 days passed.

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 2022-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2016, the amount was XXXX. I was behind with my payments of my mortgage, I explained them that I had a hardship and they offered a modification they said that with this program I can paid monthly my mortgage without any issues. I qualified because I summited all the requirements that they asked me and later, the mortgage transferred my mortgage to other company. I paid XXXX XXXX XXXXXXXX, for get solved this issue but the XXXX XXXX didnt fix it. I was asking to other legal advisers and said it was a fraud.

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 2020-07-08
Company: Red Bishop LLC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I had been contacted about student loan forgiveness. It has been going on for four years now. The company is Federal Student Help, and that is the only information that I know about them. I have received nothing in the mail about how much they have been taken off my debit card, however, my phone receives messages about money being taken out. The amount is {$180.00} per month, but I told them a little at a time during the month. Sometimes the money is taken out, sometimes it does not, it depends on how much money is on my debit card. I want to get out of this program, if it is in fact a program. I have no information about this company, not even a phone number or a address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Action Revenue Recovery, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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: Account status incorrect

Complaint:
I have contacted EXPERIAN and disputed account name : XXXX XXXX XXXX account # XXXX for reporting obvious inaccurate 2x 120 days late for XX/XX/XXXX and XX/XX/XXXX on my credit report which is in clear violation of the FCRA LAW and my RIGHTS I disputed the above account on my credit report with EXPERIAN on XX/XX/XXXX on XX/XX/XXXX I pulled my credit report and the inaccurate late payments were removed from my credit report which I have highlighted and attached to this dispute I pulled my credit report today XXXX XXXX with EXPERIAN and noticed the inaccurate information of 2x 120 days late was placed back on my credit report on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX which I have attached to this dispute as well I have been in contact with the creditor of this account which is XXXX XXXX every rep and supervisor i spoke to said this is incorrect and they never reported any late payments for this account they also sent me my payment history for this account that clearly shows all payments are on time which I have attached the documentation proof also to this dispute. Based on the following listed Laws please have this incorrect information removed and deleted from my credit report immediately : 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable 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 2019-06-18
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dates of service for XXXX of my children ranging from XXXX for a total of 9 accounts in collections for a total of {$2200.00}. 

I was told to call XXXX ( XXXX XXXX ) and get check numbers and dates of payment as I have assured them via many phone calls to XXXX that these 9 accounts have been paid by XXXX. 

XXXX XXXX XXXX XXXX XXXX and Med1Solutions absolutely refuse to take any of the information that I received over the phone with XXXX. They are still trying to collect the full original amounts billed even though XXXX has paid these claims. 

XXXX XXXX XXXX XXXX XXXX told Med1Solutions that it is my responsibility to obtain the remittance from XXXX and submit it to them to post the payments to the accounts. I tried explaining that XXXX submitted that information to them already providing them with the check numbers and dates. Both companies continue to try collecting the debt from me even though XXXX paid them. I don't believe that it is fair debt collecting to accept payment from XXXX then turn around and bill the patient the full original amount of the claim. They are a XXXX network provider. This just does not seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CITIBANK, N.A.
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:
Went to Macy 's and employee offered me an opportunity to apply for credit - I advised the employee that I had a freeze on my credit report and that I would have to remove it in order to apply for credit. She concurred and I removed my freeze for 2 days. ( XX/XX/XXXX - XX/XX/XXXX ) It was made clear by the employee, and I know this too, that when I UNfroze my report, I would have to show my ID and they would have to verify me, in order to obtain credit. 

I proceeded to have the Macy 's employee run my credit. Upon running it, she advised me that I need to call credit services as I was denied. I was disappointed and insisted that she please call Macy 's to speak to someone and verify me to approve me. My credit score is excellent, in the XXXX 's and I knew that wasn't the issue. 

The laziness of the employee and her not performing her job/due diligence, is what I have an issue with. Would she have done her job, made the phone call and verified me, I wouldn't be in this predicament and the inquiry would be valid ; that never happened. 

The inquiry is unjustified, due to the above unraveling of events. If this is not removed, as, I have already requested from Macy 's ( ATTACHED DOC ), I will pursue legal action and monetary penalties as this is unjust and unlawful.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I signed up for a " TransUnion MySmartmove '' account at www.mysmartmove.com, which is a rental screening service operated by TransUnion, in order to have a report generated for a potential landlord. The report combines TransUnion credit history, eviction history, and criminal history. I answered all of the identity verfication questions online, successfully created an account, and a report was provided to the landlord. However, MySmartmove does not provide a copy of the report to the consumer through the website. Only the landlord can access the report on the website. Instead, they direct the consumer to call their XXXX number to request a copy of the report. I called the XXXX number and the representative wanted me to send my personal information along with a copy of my driver 's license via email to " XXXX ''. I informed her that it is not secure to send personal information through email, that they should not be asking customers to email personal information, and that I would not send my information via email. I requested a mailing address to send my request, but the representative first claimed that she did not know the mailing address. Finally, after speaking to the supervisor, I was provided a mailing address to send a request in writing. Additionally, I was informed by the representative that the report provided to the landlord is not even the same report provided to the consumer when the consumer makes a disclosure request. I'm initiating this complaint for the following reasons : ( 1 ) TransUnion MySmartmove should provide to the consumer a copy of the report that is identical to that provided to the landlord ; ( 2 )  TransUnion MySmartmove should provide this copy to the consumer via the consumer portion of the website, just as they provide it to the landlord via the website ; ( 3 )  TransUnion MySmartmove should not request consumers to email sensitive personal information ; and ( 4 ) TransUnion MySmartmove should provide their mailing address to send FCRA disclosure requests on their website.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: IN
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 in complete XXXX XXXX to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. They have broken the following Fair Credit Reporting Act laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. I would like each of the following companies deleted from my credit reports immediately : XXXXXXXX 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 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 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
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:
Greetings, In accordance with FCRA my rights has been violated. Please see attached identity theft 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