BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: Key 2 Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Key 2 Recovery calls incessantly every few months claiming that I have unpaid student loan debt to XXXX XXXX University of about {$3000.00}. I called XXXX XXXX University and confirmed that I have no outstanding debt and that they have never forwarded any of my information to Key 2 Recovery. I have informed Key 2 Recovery of this multiple times but still receive phone calls. They either have me confused with a different student of the same name, or are falsely claiming that I owe debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXXXXXX XXXX XXXX - Account # XXXX Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
No written authorization for inquiries not recognize for : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting an alleged account. I have disputed this account on numerous occasions. Experian keep saying that this alleged account has been verified but XXXX  will not send me documentation of the alleged account. A bill is NOT Documentation. Experian is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all the different laws the XXXX  of nunneries of 609 letters and they are continuing to do the same thing. Experian knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}. 
( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items 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 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 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 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 non-monetary relief
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have contacted the credit bureau and ask them to delete these accounts they have not as of yet please delete these hard inquires asap 24hrs for this is affecting my day to day living thank you.

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 2023-06-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I contacted Wells Fargo XXXX times over the past XXXX  months ( including an in person branch visit ) regarding unclaimed funds - after receiving initial letter. Each time I was told they would expedite the case and contact me. Only today after repeated attempts did I get an email saying funds had been transferred without contacting me in a timely manner. I was told the unclaimed funds department uses only email - even for the bank itself?! I've been lied to outright by bank reps, and have had delaying tactics used to prevent a timely return of my money. I even used the unclaimed funds department email address as another contact sourcebut they never responded. Unethical and unprofessional.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Experian Information Solutions Inc.
State: NY
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:
This inquires are not recognize ir authorized. XXXX XXXX reporting inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl 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 2023-06-09
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX am writing in regards to compliant on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquires were not done by me. also in regards to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I stayed at the XXXX XXXX in XXXX of 2021. I paid for my stay in full upon checkout. 
In XXXX of 2021 they debuted my account again for {$390.00}. When I reached out I was told that the batches from the dates of my stay didnt settle and they recharged everyone who stayed. They advised me to dispute with my bank. My dipute was denied XX/XX/2021. In XX/XX/2021, I was charged again. A representative of XXXX XXXX told me that the dispute was approved and should have repaid the provisional credit from my bank. When I was charged again in XXXX, {$390.00} was taken from my own money as the provisional credit only brought my account balance to {$0.00} and out of the negative. Today, Chime bank reversed the provisional credit and my account is now negative {$390.00}. Ive paid XXXX XXXX XXXX XXXX NOW. Chime will not block the merchant and XXXX will not stop charging me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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:
Ally Financial continues to delay reporting updated balances and payment history to the credit bureaus. I have made repeated requests to fix this issue and nothing happens. I am constantly told it will take 30-45 days to be correct. 

However Ally Financial demands that I pay the account on time however does not honor there contractual obligations to report eh appropriate information to the credit bureaus.

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 2018-04-24
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2018, I received a letter from the Credit Bureau concerning incorrect information on my account with XXXXXXXX XXXX. I supplied documentation with my submission of my complaint and was told that they never received any documents with the complaint through Consumer Financial Affairs website but they were able to correct my dispute with the account of XXXX XXXX which the documents for this dispute was attached to the complaint with XXXXXXXX XXXX. I am submitting documents from a complaint I filed against XXXX XXXX XXXX who XXXXXXXX XXXX contracted which states that they no longer have this account as of XXXX XXXX, also a copy of a account statement from XXXXXXXX XXXX stating that this account is {$0.00} balance along with a statement where the XXXX I returned was returned to this company and they were still charging my account which led to incorrect information in my file. It's sad that you can not get anyone to do their job and actually investigate the problem and the only thing a company has to do is to submit electronically without any evidence stating ACCOUNT IS VERIFIED AND ACCURATE. The credit reporting agency do not ask for any documentation but take their word and I have submitted several complaints and uploaded documents and I am still fighting to get rid of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE as described in 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 

1. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX 2. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX 3. XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX The entries are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 


REMOVE UNAUTHORIZED Inquiries : 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 2023-05-26
Company: EQUIFAX, INC.
State: MS
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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Endpoint Resolution Services (ERS)
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX@ XXXX at my job XXXX ( couldn't understand his last name ) from ERS called stating he was calling about a returned item from my Bank ( I work at XXXX XXXX XXXX XXXX ) that requires my immediate attention. Please return my call at XXXX. I returned the call 2 days later when I was back in the office and he said oh this wasn't for you. 
XX/XX/XXXX@ XXXX at my job Robo call from ERS about a notice that was sent to my address or listed as my home residence today we haven't received notification from you about this important matter. 
XX/XX/XXXX/ @ XXXX at my job Robo call with the same message above XX/XX/XXXX @ XXXX XXXX I called them back, from my job, asking what this was about. He said was I XXXX, I said yes, he said is your address, XXXX XXXX XXXX XXXX PA, I said yes, he said we are calling about a notification that we mailed to your home address onXX/XX/XXXX. I said I don't know what you are talking about as I didn't receive any notification and it is alreadyXX/XX/XXXX, so I don't know what you are talking about. Gave me vague information about whatever debt they are referring to and stated that they would be taking this to court and I would have legal fees to deal with along with ruining my credit. We can do monthly payments or we can take a payment amount lower than the outstanding debt of {$2000.00}. Told them they were calling my job and he said sorry about that. I said I would call him back when I'm not at work that this was my job. He said well you didn't tell me what you are doing about this, are you making a payment ( Yelling at me ) so I hung up. 
XX/XX/XXXX @ XXXX at my job Robo rom ERS with the same message XX/XX/XXXX @ XXXX at my job XXXX from ERS saying , I'm calling back again from the Pre-Legal Dept from ERS please call me back at XXXX XX/XX/XXXX@ XXXX XXXX  on my cell number saying this is XXXX calling back with the Pre-Legal Dept of ERS I had spoken to you on the XXXX and I still have not had a response from you and the client is requesting a decision be made on your behalf by close of business tomorrow so I would like to speak with you before verification is faxed. If you can contact me back immediately my office number is XXXX. 

These are all the ones that I have documented. They constantly change the number they are calling from. Some of the numbers look like local numbers so I'll answer and others look like out of area, so then I don't answer. I haven't acknowledged anything and I'm really tired of being harassed at my job over and over again. I have a job to do and it isn't being harassed by ERS. 

Thank you very much! 
XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing my credit report I have found inaccuracies on an alleged debt that is impacting my credit character as a consumer and is hindering me from getting hired at a specific place of employment. Information that should, if from the same furnisher, should be reporting the same across all three credit reporting agencies but are not, which by law is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a letter from XXXX XXXX XXXX  dated XX/XX/2020. The letter was confirming the approval of a forbearance plan from XX/XX/2020 through XX/XX/2020. My loan with XXXX was current prior to the forbearance approval. During the time of the forbearance period, they transferred my mortgage to XXXX XXXX on XX/XX/2020. At the time of the transfer, XXXX reported the account as delinquent/late 30 days or more to XXXX  and Equifax on XX/XX/2020 even though I was already on forbearance. The account was never delinquent. I've called and emailed them many times for resolution but no one will assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I sold my car to XXXX XXXX on XX/XX/2022 Bank of America immediately froze my account stating it was an unauthorized deposit as if XXXX provided me with a fraudulent check i reached out to XXXX who provided proof that the check cleared their bank and was a good check. I have tried for over a month with Bank of America to fix this showing them the bill of sale documents from XXXX even did conference calls with XXXX to prove this was not a bad check and the funds have already cleared XXXX bank. Bank of America pushed the close date of my account back several weeks holding the funds finally on XX/XX/XXXX a month later they closed the account but are still holding the funds stating they are trying to validate the source of the funds when i have provided all information required to show these are my funds i was instructed to call back on XX/XX/XXXX or XX/XX/XXXX for an update that the funds have been sent and again i call and they are still holding the funds. They have refused to work with me or XXXX on getting the funds returned to either of us. I have been without electricity for XXXX weeks now because of this and my rent is behind XXXX months i have had to XXXX in my car for weeks with XXXX XXXX Bank of America will not even help me even after i have provided them with all the info needed and requested. They lied since day XXXX saying the check was going to be returned because it was fraudulent but in actuality it was not fraudulent and the check cleared on XX/XX/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 monetary relief
Consumer complaint received 2023-07-06
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified through my XXXX XXXX XXXX account that a negative reporting occurred on XX/XX/23. It is in an amount of {$1100.00} from an unknown source allegedly being collected by Sequium Assets Solutions in Georgia. I attempted to reach this collection agency directly with no response. This is clearly a fraudulent attempt to collect on a non existing debt.

Company response to consumer: Closed with explanation