BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill today ( XX/XX/XXXX ) in the mail from a debt collector ( Convergent - XXXX ) telling me that i owe {$2100.00} associated with XXXX XXXX ( XXXX ). Apparently, someone that lived or was associated with property at XXXX XXXX XXXX. XXXX, Michigan used my identity to get electric at this address from XX/XX/XXXX to XX/XX/XXXX. What i can tell you that i never lived in the state of Michigan. I never stayed overnight in the state of Michigan and I NEVER authorized ANYONE to use my identity or my name, etc. to purchase anything from XXXX XXXX. I've NEVER had any agreement with XXXX XXXX ... I NEVER lived in their service area. My identity was stolen to gain these services from 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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, this inquiry was not authorized by me. Therefore, I'm sending this complaint to dispute this inquiry and have it removed from my credit report. 
XXXX XXXX XX/XX/2022

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 2021-06-10
Company: EQUIFAX, INC.
State: MO
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:
There are 3 accounts that are reporting on my consumer report that are in violation and this is a Violation of my Consumer Rights as a Federally Protected Consumer. Because of these violations, I demand that all 3 of these accounts be removed/deleted from my consumer reports. I Called XXXX, XXXX, and Equifax XX/XX/2021 and all 3 bureaus said that there is no such law and they dont have to remove anything. I explained My Consumer Rights and the laws they are in violation of but I am not being taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Subject : Formal Complaint Regarding Inaccurate Reporting and Account Access Issues On XX/XX/XXXX, 2023, an estate appointment was scheduled with XXXX XXXX Bank. Having significant concerns regarding the reporting and handling of my account information. As a personal representative, my reputation is being jeopardized due to the erroneous reporting by ChexSystems, hindering my ability to fulfill my responsibilities effectively. This situation has led to unwarranted challenges and scrutiny, impacting the trust and confidence placed in me as a responsible representative. 
The error in the ChexSystems database, which is adversely affecting my ability to open an estate account. 
The issue stems from a previously reported debt that has been fully paid. Despite the settlement of the debt, the information in ChexSystems inaccurately reflects an outstanding balance. This misinformation has prevented me from successfully opening the estate account, causing undue inconvenience and delays in the estate process. Chex Systems needs to expedite a resolution to ensure that the inaccurate information is corrected immediately ensuring that I am able to return to the same branch and open the decedent 's account. ( The letter was requested from XXXX XXXX ) The ChexSystems rep alleged that ChexSystems reports that the amount remains unpaid in the database.

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 2020-05-11
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I already submitted a prior complaint which resulted in another date change on my XXXX  report that is completely false concerning an old debt with Santander. It was also on my XXXX  report, but has since been deleted. XXXX  is the only one reporting this outdated debt that is far beyond the time limits for reporting. The account open date is incorrect as well as the Last Activity date which continues to get changed by Santander. 

I submitted a complaint with cfpb showing the Last Activity date XX/XX/XXXX ( which should actually be back in XXXX ) and just received an updated XXXX report that now shows a date of last payment to be XX/XX/XXXX. That is a complete falsehood. Not only did the date change, but the amount owed doubled! This is Santander 's attempt to use XXXX  to collect on an old debt where the statue of limitations has long ran out. There is no proof on Santander 's reporting to XXXX. I have attached a copy of the date changes. If this is not resolved my next action is to file suit against XXXX   through XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have written numerous letters to Transunion within a 6 month time span advising 2 collection accounts ( XXXX XXXX and XXXX XXXX ) weren't mine. I have also written numerous letters to XXXX within a 6 month time span advising 2 collection accounts ( XXXX and XXXX XXXX ) weren't mine as well. Each response they sent back stated the accounts were verified. When asking for how they were able to verify the accounts, I would receive no response. After advising them, the companies as well couldn't verify nor confirm the accounts were mine, they continued to report the negative information on my credit reports. 
In addition, I advised both Transunion and XXXX that a collection account, XXXX was not mine. Transunion closed the account and XXXX  still has the account open. There is no reason why this account should be on my credit reports.

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 2022-03-10
Company: The Outsource Group, Inc
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One owes me {$850.00} but refuses to send me a check I can cash. 
I have had 3 credit cards with Capital one for years. Never late, never over limit. Then a stranger got 2 of my cards and ran up charges for 3 days. You never think it will happen to you. To be safe, I sent in payments of {$1000.00} to each card. When the dust cleared, I had an {$850.00} balance overpaid on one card. That was last XXXX. 
It took months, but Capital one finally sent me a check, but it was made out only to my business. The card had both my name and the business name - statements also carried both names. I am XXXX, on XXXX, and retired 2 years ago and closed the business. I didn't really think about the cards. My bank will not accept a check made out to a business that no longer exists. I had told XXXX XXXX about this during the fraud investigation. I have, now, called 4 times the last 4 weeks as I was promised a check in my name over a month ago. Capital One owes me {$850.00} for 6 months, now. If it was them, they would be charging me interest and destroying my credit ( which is 780+ by the way ). Their trained monkeys just can not seem to deal with this properly even if I stay on the phone for 30 minutes. I returned the original check to Capital One a month ago. I want my money back!!! 
I am tired of calling and getting trained monkeys who either can't figure out that I am owed a check or claim that my " record '' is not clear that they owe me a check. XXXX XXXX - XXXX, ext XXXX - Promised me a check in my name well over a month ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
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:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


In accordance with the Fair Credit Reporting act 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 I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C. Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a credit card through Bank of America. I rarely use it ( perhaps 2-3 times per year ) and I would close it, however, due to the way credit scores are factored, due to the fact that it is my oldest credit card, closing it would be detrimental to my credit history. 

This morning I was made aware of a late payment to this credit card, apparently, I have a toll pass setup to auto reload on this credit card. In XXXX it appears as though this toll pass reloaded and was charged to the BOA credit card, I wasn't aware of this. Fast forward to today ( XX/XX/2018 ), I get an e-mail that says " We have lowered your credit limit ''. They lowered it from {$25000.00} to {$500.00}. I checked my credit report and the account is marked as delinquent. My issue is that I have received NO PHONE CALL, NO LETTER and NO E-MAIL PRIOR TO THIS. I have never missed a payment on any account ever in my life, if BOA looked at the account history they will see this. They will also see that I rarely use this card. Due to BOA failure to report a delinquent account and instead forward this only to the credit bureaus, my credit score has dropped nearly 70 points.

I explored how this could have happened, as I have all accounts setup to autopay. Bank of America does not offer an auto payment of a full account balance on their website. Instead all they offer is for me to setup an auto payment of an arbitrary amount every month. This is absurd, every other account in my name ( credit card, cable, utility and so on ) has the ability setup auto payments every month to pay my account balance in full. Bank of America does not.

To summarize, there are two factors where I believe Bank of America is at fault for this detrimental credit report that is now in my history ( which was FLAWLESS u
p to this point ).

1- Failure to notify me of a late payment ( phone, text, physical mail or e-mail ) 2- Lack of technology to allow me to setup an automatic payment every month to pay my balance in full All of this due to a {$40.00} balance, which will surely cost me much more in the future when I use credit products ( via higher interest rates ).

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 2023-11-27
Company: KEYCORP
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
l was selling my motorcycle for XXXX XXXX  and was contacted by XXXX XXXX requesting that i sell the motorcycle to her and she would mail me a check due to being out of state so with everything being online these days i agreed and then the check was sent priority with a tracking number. I received the check Saturday XXXX the XXXX and deposited the check via ATM Sunday the XXXX at key bank on the XXXX XXXX in XXXX Maine and was told the check should clear by Tuesday XX/XX/XXXX in which it did so i went to said branch and withdrew the money and told XXXX to come get her new bike which we agreed to Friday the XXXX after XXXX. But on thanksgiving morning Key bank withdrew the check and charged me XXXX dollars due to the check being XXXX dollars as XXXX  was agreed for the in state movers and i was in the negative XXXX dollars when the check posted as to why i was selling my bike i needed then money in an bad way so once it was figured fraud i went to the bank and filed the complaint where 5 mins into the meeting key bank management informed me that it was my issue and i should have checked the check out like i work at the bank its they're job to look at the checks not mine and they told me i had to pay the amount back even though they have insurance and they cleared the check if there was an issue they should have never posted it to my account why do i have to pay it back while the scammer gets to go free all i did was try to sell my motorcycle and the bank cleared the check its they're fault not mine how am i suppose to have a check looked at they never ask questions no one ever called to inform me i was being charged XXXX XXXX  or why nothing im on a veteranXXXX XXXXXXXX and with my monthly check hitting this week and XXXX coming with winter my kids and i are going to freeze to death because of key banks greed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX 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 non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2022-03-20
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: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2018-09-10
Company: Santander Consumer USA Holdings Inc.
State: GA
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 purchased a car and it was a total loss. The company Santander was going to be paid in full for the full balance by XXXX XXXX. They have reported the loan late every month eventhough the loan was to be covered because it was a total loss. This has stopped me from being able to qualify for a home loan becaus they should be reporting the balance as {$0.00} amd never late.

Company response to consumer: Closed with explanation