BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: FL
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 am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. REPAIR or CORRECT these items that caused me so much stress. 

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 2023-11-14
Company: KEYCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX ACCT : XXXX XXXX XXXX I opened an account with XXXX, which turned out to be a HUGE mistake, a XXXX XXXX ago. I had a garnishment about to reach my old acct and wanted to remove the money quickly. I couldn't link a bank to XXXX to do wire transfers so I deposited XXXX checks for XXXX and XXXX. Immediately I had the deposits held for XXXX days. No big deal for a few days because I didn't have a debit card and just needed to move the money to new acct. The XXXX cleared. The XXXX did not because I couldn't keep waiting for XXXX to extend holds wk to wk to wk. I was locked out of my acct with the XXXX still in it. I was told I was a " fraud '' and I had to talk to the fraud department. This is my money in the acct. My deposits. From my own account elsewhere! I talked to fraud, explained things and they still told me I had to physically go to branch and sign a bunch of affidavits and statements like I had committed crime... with MY money! I will not do that and if my money in the acct isn't accessible within XXXX  days, I will sue XXXX over XXXX. Trust me. I've sued for less. I will report them to the XXXX and anything else I can think of. After being accused a fraud with my own money I won't be doing business with XXXX and I won't be going into a branch. The money needs to be returned immediately. XXXX needs to unlock access so I can transfer the Money out. I'm not messing around with this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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:
This is my XXXX and final attempt to supply court documentation to XXXX, XXXX, and Equifax regarding a recent lawsuit with XXXX ( Account # XXXX ). The lawsuit was DISMISSED due to XXXX 'S MOTION TO DISMISS FOR LACK OF XXXX RESPONSE APPROVED BY THE JUDGE IN COURT. LACK OF XXXX RESPONSE ( LAW meaning ) : the ruling by a judge that all or a portion ( one or more of the causes of action ) of the plaintiff 's lawsuit is terminated ( thrown out ) - - The Plaintiff ( XXXX ) FAILED to provide evidence that the debt is owed to XXXX ( Account # XXXX ). Therefore, the court DISMISSED the case - SEE ATTACHED SUPPORTING DOCUMENTS - Proper court documents are being provided AGAIN. I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: MD
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 have not been late on my mortgage since XXXX. So, at the end of XXXX ( maybe XXXX ) I applied for a loan modification. They needed a particular document that I could not get until XX/XX/XXXX. So, in XX/XX/XXXX I applied again for the for the loan modification. It was approved. In XX/XX/XXXX ( i believe ) I began making the new loan modification trial payment. I always pay my mortgage the last week of the month prior. So mostly a week early. On XX/XX/XXXX when I went to make my XX/XX/XXXX trial payment I could not. At that time I was advised that my modification was denied because I was sent documents in XX/XX/XXXX and that I did not return the documents. These documents according to XXXX agent # XXXX, were the original docs that I had already submitted and returned notarized. I was told that the docs were sent via XXXX XXXX. I asked them to check the tracking because I never received any documents. Each time I spoke with XXXX agent # XXXX. She stated that she checked the tracking number and that it never left XXXX. I then asked if she could roll this up to her managers because I had been very careful to do everything that was asked of me. She told me that XXXX XXXX agent # XXXX was the one that needed to revised the decision. Again to no avail. On XX/XX/XXXX I spoke to XXXX again who told me that she spoke to her supervisor, XXXX XXXX. That XXXX XXXX was going to reach out to XXXX XXXX directly yo see why docs were resent that I had already signed and sent in. And to see why I was denied. Again no resolve. On XX/XX/XXXX I was then told that needed to complete another loan modification since that one was denied. However, I was never given a reason or any assistance. Then I received a late payment on my credit report. And I had to pay XXXX over {$16000.00} to get my account current because I was afraid they would take my home because I began getting nasty collection calls. Then to add even more insult. After I paid the $ XXXX they sold my account to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

has violated my rights. Or a list of inquiries : 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 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 2021-10-04
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
ON FRIDAY, XX/XX/XXXX. AN AUTOMATIC PAYMENT WAS INADVERTENTLY PROCESSED TWICE. i NOTICED IT WHEN i CHECKED MY BALANCE ON MY MOBLE BANKING APP. i CALLED MY BANK IMMEDIATELY AFTER i WAS UNABLE TO CONTACT THE PAYEE. i WAS TOLD THAT BECAUSE THE PAYMENT ( S ) WERE PENDING, THEY WERE UNABLE TO STOP THE SECOND PAYMENT FROM COMPLETING. i WENT TO THE BANK AND SPOKE TO THE MANAGER AND EXPLAINED MY SITUATION - THAT MY RENT WAS DUE THE SAME DAY, AND MY FUNDS BEING HELD UP WERE PREVENTING ME FROM PAYING ON TIME, AND THAT IF THIS WASN'T RESOLVED BY END OF BUSINESS, I WAS GOING TO HAVE TO PAY AN {$85.00} LATE FEE, AS THERE IS NO GRACE PERIOD. THE MANAGER TOLD ME THAT THEY HAD TOO MANY ISSUES STOPPING PENDING PAYMENTS IN THE PAST, SO THEY STOPPED THE PRACTICE. APPARENTLY, PEOPLE WERE MISUSING IT. I EXPLAINED THAT I HAD BEEN A CUSTOMER FOR YEARS AND IN GOOD STANDING. THEY COULD CLEARLY SEE THIS PAYMENT HAS COME OUT EVERY OTHER WEEK, WHEN MY PAY CHECKS ARE DIRECT DEPOSITED, AND IT WAS CLEAR THAT THIS ONE HAD PROCESSED TWICE. THE END RESULT WAS I HAD TO PAY THE LATE FEE, BUT WAS FINALLY ABLE TO CONTACT THE PAYEE, WHO INFORMED ME THAT THIS WAS A GLOBAL ISSUE OF PROCESSING DOUBLE PAYMENTS. THEY WERE ABLE TO REFUND THE SECOND PAYMENT, BUT NO ONE HAS BEEN ABLE TO COMPENSATE ME FOR THE {$85.00} LATE RENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: Their investigation did not fix an error on your report

Complaint:
I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchase my vehicle on XX/XX/XXXX from XXXX. Right after I purchase my vehicle I was laid off work on XX/XX/XXXX. I had no income to pay for the loan. My family and friends trying assisting me in my car payments. I contacted the lender and explain to them that I had lost my job and I wanted to return the SUV and Cancel the loan. Santander was very rude to me and told me NO. I have been struggling a whole year trying to pay this high car payment of {$750.00}. My contract states with XXXX that I only had 5 calendar days to return the car it was 12 days after I purchase it. I owe {$30000.00} back in XXXX and XX/XX/XXXX they put those 2 payments on the back end of my loan and reported to all 3 credit reports that I was 30 days late even though they have taken it but those loans on the back of the loan. Because I'm still looking for employment so that I can take care of the car loan I'm back again 2 months behind going into 3 months because I just can't afford the vehicle unless they lower my payments or take the car back and not give me a repo on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've been trying to remove it for years. They won't prove it. NOw that I'm trying to use my credit to buy a house, car, and get a credit card. During the time when I did have my card, my XXXX performed but XXXX didn't perform. There's no need to be so greedy. They also report my information to early warning services which I NEVER gave them permission ....

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 2021-10-04
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld Systems has continued to willfully report inaccurate information of an alleged debt after being notified several times via certified mail. I have attached the debt validation letters, inaccurate reporting, and certified mail receipt. 
This company has failed to respond within 30 days as requested from the debt validation letter. I have attached the certified mail receipt. The company has not been able to provide a contract with a wet signature for the alleged debt as requested. 

There is a 1 month term showing for this alleged debt which is falsely indicating that there was a contract between myself and Transworld Systems which is not true. I have never had a contract with this debt collection company. 

There is a past due balance showing on this alleged collection account as well. A past due balance cant be shown for an account there was never any payments made to nor a valid contract this is a violation of the FCRA willing reporting invalid and inaccurate information. 

This 3rd party, has no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. Familiarize yourself with 73 Am Jur 2nd, Section 90. You have no right to " subrogate '' ( substitute ) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you " bought '' the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).

The previous CFPB complaint is attached indicates that they may not have sufficient time to complete an investigation of the alleged accuracy. According to the FCRA if the 3rd party debt collector stated there has NOT been Sufficient time to complete an investigation the third party debt collector shall immediately change the items in the relevant file as requested by the individual. I requested for this alleged debt to be removed and deleted from all three credit bureaus and for it to be REMOVED from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I noticed a collection on my credit report. The collection agency isXX/XX/XXXX. I have already dealt with identity fraud and stressed out to even open the mail. It is like nothing I do will correct this. Contacted company XX/XX/XXXX. Even though I paid the amount requested, called to find out there was no remaining balance, only interest, and late fees accruing on the interest. Talked to XXXX XXXX. She was rude, would not tell me any balances. She finally told me I did pay the balance, but I did not pay it in time. I remember talking to someone to tell them I was paying the balance. It was around {$300.00} or something like that. Why would I pay a {$300.00} balance if it were not on the statement or I was told that was the balance. In the middle of the call, a man named XXXX got on the phone, said he was supervisor. He was unethical, refusing to allow me to speak, even though I called them. I even offered to pay the {$50.00} " supposed balance, '' which I do not believe, and he refused to negotiate, even though this was already on my credit report, so I had nothing to gain. At first he refused to tell me if the balance was only for interest and late fees. He kept arguing with me, telling me it was all my fault for being irresponsible, totally inappropriate, giving scenarios of how homeowners credit worked? He said there was a balance of {$50.00} ; in XXXX accrued late fees of {$40.00} ; XX/XX/XXXX, accrued {$38.00} late fees, {$2.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XX/XX/XXXX late fees, and then they stopped the interest and late fees. He refused to give me the date I paid it off, refused to answer question of whether this amount owed is only interest. Brought up scenarios about owning a house, had nothing to do with bilXXXX. He could have negotiated this, but instead he kept arguing with me, not any way to collect a debt I have ever heard of. I do not believe him, I think the balance was paid in full and he was just trying to collect more interest and late fees. The whole thing is frustrating and stressful. I was trying to make it right, but he was just being ridiculous. I am a grandmother raising my grandchild and we have had some pretty tough times, but this man was totally unprofessional and he did not in any way even remotely try to come to any reasonable settlement, even though I already paid the balance. This is so unfair.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is my 3rd complaint after not getting results. After the 1st complaint, CRA 's claim a thorough investigation was done. I do not see how with some many inaccuracies still listed. Date opened, Date last reported, addresses that never belonged to me, duplicate accounts reporting more than once that shouldn't be there at all.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 an account without my written instructions. 
after my second complaint was told I did not present enough evidence. It was hard with XXXX XXXX from a car accident that I wouldn't of been in if my report was fixed and I didn't have to buy a used {$1200.00} car with bald tires. It is ridiculous the responsibility these companies have and do not take seriously. They ruin lives. People must find time in their busy lives to go after the CRA for not following laws. 
While trying to upload my credit report I marked violations on it as too large of a file. But every I want to print my report I have to print 50-60 pages and it's still hard to read. Probably a purposely done deterrent. I had to separate my credit into 6 different scans so files weren't to big. Ridiculous!

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 2023-11-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My credit report has not been updated since XXXX. I get this error message when I log in to my report. I called customer service on XX/XX/XXXX, they connected me to the dispute dept because there was no address on file for me but my credit report is showing an incorrect address. I spoke to a rep that stated he was correcting my address and I showed see the update in 24 hours and will be able to see my updated report. Today is now, XX/XX/XXXX and I still do have an updated report with all accurate persons information and credit score and gettin the same error message. I have been putting in dispute with no success myself or going through CFPB. Something need to be done

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