BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was trying to place an international order with my debit card. My bank "  XXXX   XXXX   XXXX  '' blocked the transaction. I called my bank to let them know that I in fact made the order, and that I have done business with the company before, and was very happy with the service I received. My bank said because of possible fraud they would not clear the transaction. It 's like they are telling me I ca n't spend my own money in the way I want to spend it. I have ordered from this company at least twice before, without even a question, the transactions went through right away. I understand the bank is trying to protect me, but how when I 'm on the phone with my bank telling them that I placed the order, I passed all of their security info, and they say they wo n't authorize the transaction, no matter what I say. THIS IS JUST WRONG. It 's my money, it 's a debit card, not a credit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I recently checked my credit report and found an inaccurate reporting of a company being published on my credit report. I reached out to to the major XXXX credit Bureaus and ask that this account be verified with the original contract for the account in question. The account still hasn't been verified and is still being published on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX # XXXX. This account has violated my rights according to FCRA rules and regulations. A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of 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 non-monetary relief
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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

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 2018-09-06
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 information incorrect

Complaint:
There are a total of 5 hard inquiries on my credit report. Three of them are credit inquiries for mortgages, within 45 days. This should only be listed as one hard inquiry. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-06-19
Company: EQUIFAX, INC.
State: TN
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2020-09-21
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 fraud alerts or security freezes

Complaint:
A fraud alert was placed on my credit bureau profile, without my request and now resulting in no credit report found, as if I don't exist with XXXX 
A fraud alert was placed without my authorization or request on Experian as well. 

I have NEVER requested this and demand it be removed at once.

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 2023-09-08
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My son passed away XX/XX/2023 I obtained all legal paperwork to access his account and went to his bank needing to look in safety deposit box for a will. told XXXX XXXX this presented all paperwork and was denied access and received no help whatsoever. Was told they had to process through their legal dept. and could take up to 5 days didnt want to caus a problem at that time so left. Now 15 days later and never heard anything from bank I tried calling and was put on hold for XXXX minutes til bank closed and disconnected. I called XXXX Police to verify I was within my rights and was told they could meet me there to assist so XXXX I returned to bank and was greeted by a very confrontational counter person and was told you want to call the police go ahead at witch time XXXX XXXX branch manager came out and called me to her office and was still denied access. After heated discussion she called her corporate office and was told to close account and give me access. Should never be this hard I will make sure everyone I know knows about my experience with Key Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Experian Information Solutions Inc.
State: IL
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 disputed 4 accounts with Experian at least three times. The first time I disputed the accounts and Experian verified and the accounts remained despite inaccuracy. The second time I disputed the accounts and provided documentation and Experian corrected the balances to reflect 0 but failed to correct the account statuses. I disputed for a third time and provided the same documentation via an up load to the website for documentation and mailed in hard copies and they have verified the accounts again and Experian continues to report an incorrect status of the 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 explanation
Consumer complaint received 2023-09-07
Company: Ostarch Hilmy & McCauley, PLLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am in receipt of a fraudulent notice of default with a demand for the payment of past due monies from a debt collector named XXXX XXXX XXXX, threatening to place a lien on my homestead. Debt collectors can not make false or misleading statements. For example, they can not lie about the debt they are collecting. XXXX is misrepresenting the nature of the debt he claims I owe. Furthermore, XXXX claims to represent an association as his client. This association does not exist in the State of Texas nor the remaining States and Territories of the XXXX, whether in any various form of incorporation or even a recorded fictitious business name. 
Again, the entity he is demanding payment for from me which, self-servingly, includes his very own legal fees, does not exist. XXXX debt collection practices are seemingly those a reasonable person would perceive as fake, abusive, and contrived by a scammer Additionally, with blatant and complete disregard to The Fair Debt Collection Practices Act ( FDCPA ) a federal law that instructs debt collectors in what they MUST do when attempting to collect certain types of debt, he knowingly and purposely omitted the most important item that he is legally required to furnish me the amount owed. Not only did XXXX purposely disregard the law regarding this, he also failed to provide the amount, in writing, within five days after his initial contact in a validation letter as mandated by the FDCPA. The only alternative to this willful omission would be the public display of his utter and complete incompetence. Competent debt collectors and attorneys are familiar with the basic, minimalistic rules of the FDCPA which they must abide by, including the validation of a debt. Once that takes place, as required by law, the clock starts ticking and the proposed debtor would have 30 days to respond in agreement or disagreement from the date of validation. Instead, XXXX has chosen to ignore the law and demand payment in full for an undisclosed, phantom amount of money within twenty-one days ( 21 ) and threats to foreclose on my homestead if I do not pay an unspecified amount that is unsubstantiated by the required documentation as per FDCPA. XXXX demonstrates his attorney misconduct via his false and misleading statements, his failure to disclose any relevant facts, his hiding of evidence ( if any ), and his indolence to law. He is threatening to take my homestead without justification for a debt I do not owe. The very sad truth of this matter is that XXXX is perpetrating an illicit debt collection scam for his personal financial gain. He should be disciplined for misconduct with haste. His actions are an insult to your profession. XXXX XXXX XXXX is sloppy

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I did n't receive a proper response from XXXX or Experian as to how the result of Charges from XXXX XXXX XXXX XXXX, can be charged with 3 large amounts and they can verify your identity properly with the merchants bank and just call it a valid charge, and XXXX is telling me only to dispute the charges with the merchant and it 's not fraud, and basically the police report did nothing to supposedly " write off the charges ''. Words ca n't describe how frustrated that I am with them. I should have the charges removed and the account removed since I have charges on there, from almost 4 years ago, and none of them should have been stated as made by me, because I never saw any of the transaction go through at all regardless of what ones were signed for. It is against New York state law, called forgery in the second degree, when somebody unrelated to you forges your signature.

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 2019-09-01
Company: Experian Information Solutions Inc.
State: NC
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 never lived or had any association with the following address listed below and its listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01
Company: EQUIFAX, INC.
State: MI
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:
In response to a denial of an extension of credit I checked with one or more consumer reporting agencies and detected inaccurate information being furnished to your company by XXXX. XXXX indicates that the information being furnished to your company is invalid. Your company is required to perform an investigation with regard to the accuracy of the information being furnished to it, and if found to be inaccurate is required by law to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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. 
XXXXXXXX XXXX XXXX XXXXXXXX # 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 information is accurate.

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 2023-06-19
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
After falling behind on my payments for some time I called in to set up a payment plan I paid a lump sum to bring my account current to that point and then established a payment plan. I have paid the amount agreed upon since then on time, but now Navient is saying that agreement is not in effect and is harassing me, my co borrower and others who I listed as references. They acknowledge the plan but deny its in effect as it 's not tied in to a direct payment plan, but when I set it up the Rep never said it had to be on a direct payment plan. They keep raising my payments, though they do process the payments I send, but then because they keep billing more than the agreed upon amount, hitting me with late fees, and hitting my credit rating hard. I can not even talk to them on the phone as they become belligerent and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
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: Information belongs to someone else

Complaint:
To begin, my request to block is not being made in error ; nor is my request being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. TransUnion is denying me of my rights as a consumer!! 15 U.S. Code 1681c2- Block of information resulting from identity theft explicitly says the information required for a consumer agency to block and delete information reporting on a consumer file. ( A ) Block- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft ; not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer- PROVIDED ; ( 2 ) a copy of an identity theft report-PROVIDED ; ( 3 ) the identification of such information by consumer-PROVIDED ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer-PROVIDED. It is evident that TransUnion does not abide by federal law. What right does TransUnion have to deny me, the consumer, of my federally protected rights?? I have provided everything necessary for this block of information and also attached the letter they sent me boldly asking me for additional information which is not required under federal law. Last, I did not give TransUnion my permission to place an extended fraud alert on my consumer file allegedly on my behalf.

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