BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a letter from the Social Security Administration stating that I owed around XXXX, due to an overpayment under my deceased father 's social security number, and that if I did not pay it back within 30 days, my SSDI would not be paid to me, until the debt was satisfied. I contacted the telephone number on the letter and was told that I had to pay it back using a personal check. My Key Bank hassle free checking account does not offer check writing ; so I opened an account at my bank that does offer check writing. I funded the account from my hassle free checking account at the same bank. I ordered checks with my ( at the time ) current address - which happened to be a hotel room that I have been staying at for several months ( after the death of my husband in XXXX, 2021 ) ; because the family home at XXXX XXXX XXXX in XXXX, XXXX  was re-modeled and sold and is part of a trust. I received the checks and then received a letter from my bank stating that my new checking account was essentially frozen, due to the Patriot Act! This is the craziest thing I have ever heard. My bank is prevented me from paying a branch of the United States government ; because my banks says the Patriot Act says that I could be either laundering money or funding terrorists. So the payment that I was about to make to the Social Security Administration was allegedly about to be made to a XXXX organization or for the benefit of a criminal enterprise? So Key Bank froze my money based upon the assumption that I was conspiring to commit a crime. This action by Key Bank violated my civil rights ; because I committed no crime, yet Key Bank froze my account anyway. All of my money comes from SSDI, a one-time death benefit from my deceased spouse 's employer, and payments from a trust. Therefore, I could not be laundering money. So that leaves " funding terrorism. '' Well, since I was attempting to pay the United States Government, I could not be " funding terrorism, '' by definition. Now the deadline has passed for me to re-pay the Social Security Administration. The bank won't let me have my money ; and I will receive NO SSDI for XXXX, XXXX, and a reduced payment for XXXX, 2021. All of this is due to the Patriot Act and my bank. I am highly disappointed in the Patriot Act ; because it is being used to harass me. Key Bank can not demonstrate that I committed a crime ; because Key Bank can not show the movement of money from my account to a single entity, except the company that printed my checks. Also, I am in the process of buying a home in XXXX  ; so I just moved out of the hotel room and have no current mailing address until I close on the home purchase, FYI.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26
Company: Experian Information Solutions 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:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from 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 2021-07-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Bankruptcy was disputed early XXXX of 2021 with XXXX XXXX. 
Disputed Bankruptcy with XXXX XXXX as the wrong and old information is being reported to credit bureaus. In early XXXX received information from XXXX XXXX that an investigation had been completed and the information researched was invalid and would not be reported any longer. 
Completed dispute with all 3 credit bureaus, in which they never changed the bankruptcy from being removed although the reporting agency has stopped reporting. 

I am writing this complaint as I am being intentionally targeted by the credit bureaus continuing to report false and inaccurate information. 

I respectfully send you this complaint coming with faith that it will be heard, rectified and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
An account from XXXX XXXX appears on my credit report and I have never had an account with them or done any business with that person. Due to this inaccuracy on my consumer report the credit reporting agencies are not in compliance with 15 U.S.C 1681e 607. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
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: Information belongs to someone else

Complaint:
My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender XXXX. I spoke to XXXX  and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau Experian and XXXX  and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is XXXX. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from XXXX very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from Experian, XXXX  and XXXX  as well as unknown telephone numbers. Fake email accounts have been open under my name as well. 
I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus. 
I have not received any response from XXXX and they are failing at complying with this identity theft investigation. 
Another problem has been the company XXXX. I have contacted XXXX for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call.

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 2021-07-25
Company: Experian Information Solutions Inc.
State: OH
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 the the consumer aka the creditor have believe that i am a victim of identity fraud and have been held accountable for other false allegations. I spoke with the company about removing these alleged late car payments off of my credit file numerous times and no action has been taken place. I also spoke on a recorded conversation ( on their behalf ) and was told that I owed this debt. According to 15usc1681 this is a disclosure to the consumer ( me ) and is in fact against the law. I believe this debt falls under 15usc1681j charges for certain disclosures this contract is not signed by me the contract states that all documents are signed by me and the dealership with signature, everything is typed and electronically noted without my permission.Also even on the contract it says that the contract was wrongfully noted i have proof from the contract itself which is also considered tampering which is against the law. Lastly the contract states that I have the ability to dispute or resolve this issue. I am not a lawyer or attorney and neither am i making threats but under 15usc1679g any person who fails to comply with my request as the creditor will be held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 non-monetary relief
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When I call or try to log on to Transunion 's website I always get an error message to try again later. This has been going on for a little while now. I need to be able to see my credit report and score

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 2021-07-25
Company: Experian Information Solutions 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:
XXXX Sunday evening about XXXX XXXX, I looking at XXXX, COVID-19 HOUSING HEARING, Secretary Fudge, thanks for your insight on discussing XXXX Criminal activities by Lenders, by Reporting Agencies and other issues. XXXX  remember you XXXX Removed my Paid-off Mortgage loan with XXXX, Loan number # XXXX, remember I told you XXXX  to Not XXXX with the Removal of my Mortgage Loan that I Paid off Faithfully as a Powerful XXXX man. Hey CONSUMER FINANCIAL PROTECTION BUREAU remember you let them motherfuckers play with my Credit Report for over a year and 4 months. CFPB, my US Senator is XXXX XXXX that serves on the Senate Finance Committee, Im Filing a XXXX Congressional inquiry against the Consumer Financial Protection Bureau to Find out the Relationship between the Consumer Financial Protection Bureau & XXXX! Hey CONSUMER FINANCIAL PROTECTION BUREAU youve violated me for over 4 years by ALLOWING XXXX  EXPERIAN AND XXXX  to XXXX with me as a XXXX Consumer, is this Correct? Thanks, Remember I told you about my Fight with XXXX  XXXX XXXX, XXXX  XXXX XXXX vs XXXX XXXX XXXX XXXX, thanks Congresswoman XXXX XXXX for giving us as XXXX Homeowners the insight to XXXX Fight Back, XXXX  I told you I would FIGHT BACK $ $ $ $ $ $

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 2023-03-29
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When we did our home equity loan we had two parcels of land that were included in the Mortage and should have only been one. The deed for the second land is tied up and we are unable to do a home equity loan on the second parcel. It has been around 45 days and planet home lending is dragging their feet on releasing the second parcel. I have called multiple times and gotten very little information about what is going on. The people handling it will not call us back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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: 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I keep getting repeated unwanted calls on XX/XX/2021 and more repeated calls on XX/XX/2021 from wells fargo for an unexpected negative account balance for overdraft fees which I was unaware of at the time and had no intentions of giving my consent to opt in for overdraft service. Upon getting all these repeated harassing phone calls, with repeated attempts to pressure me into making a deposit and paying off the overdraft fees ASAP, they also threatened to close my account and send me to a collection agency. I even responded back to them to stop calling my phone and still keep getting calls from them.

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 2024-01-09
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. XXXX XXXX charged off the account for which they recieved a tax break and did not SEND ME MY FORM 1099-C they should have sent it when they Filled the account as a canceled debt. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of the account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge-off is Income. The reporting of this account as a debt is inaccurate. 
Not only did they do such an act, but they also sold the charged-off account to a third-party collection agency which is now harassing me to pay a debt that I do not owe them. All of this constitutes tax fraud and I will file a 3949A form with the IRS IMMEDIATELY. 

I requested original documents and procedures from TransUnion, XXXX, and XXXX because they keep updating the information when disputed as verified and they did NOT provide me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

As a consumer, my rights have been violated entirely, these organizations will fully and fraudulently withheld pertinent information to suit their agenda.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
Sending this complaint as a guarantee to make sure that these XXXX remaining fraudulent inquiries will be removed from my credit reports. I have sent a complaint pertaining this issue dated XX/XX/XXXX, and I am sending another complaint again to make sure that these inquiries be removed within 15 days time. Requesting the XXXX and Equifax Credit Bureaus to please see the inquiries listed in this complaint for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I hereby file a complaint about a data breach from Lopez, et al. v. San Andreas Regional Center Case No. 21-cv-386748 Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion have all refused to provide a credit report online because it was my child under XXXX was involved in the data breach. 

I am filing a complaint since there is no monitoring or protection of credit score or credit history for my minor child.

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 2021-07-24
Company: Experian Information Solutions Inc.
State: NC
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:
Below I am copying the information that Experian keeps reporting, no matter how many letters or calls I have made to have this information removed and updated correctly. XXXX XXXX XXXX XXXX- Auto Loan. 
Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Each time they say updated, they change the date of last activity. This is illegal. Not one of the bureaus has sent me any information on how they verified anything. Now, since my last letters to both XXXX  and Experian, XXXX has deleted this account. I sent a follow suite letter to Experian and still not even a response. XXXX  never was able to verify or send me any information. I have been disputing the information below that is reporting inaccurately since XXXX of XXXX. I have sent letters and certified letters and all I get from Experian is updated. Updated to what? They update nothing and just type the same information over and over again. I get no responses at all from none of my letters from Experian. I get a letter or post card that states how they investigate, yet I get no proof of documentation or validation. All bureaus are not contacting the creditor to get accurate information. I mailed letters out XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting information be removed or cleared up. All the information is conflicting and no-one wants to help. I feel unvalued as a consumer, and violated. I have sent additional letters to all three bureaus as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Absolutely no updates or removal. Still reporting inaccurate information and also is causing me credit worthiness. Reports are showing derogatory debt. 

In addition to this complaint, I have another complaint in regards to Experian continuously sending an email to me stating my information on disputes have been updated, yet when I log on or follow the email link they send me, ABSOLUTLEY nothing shows up as a response or status for the disputes. Why does EXPERIAN NOT ALLOW ME TO SEE ANY OF MY DISPUTES ONLINE. I never signed up to just receive by mail. EXPERIAN doesn't even send me letters in the mail for responses of disputed information and their statuses. I specifically included in my letters, each one of the letters for over 6 months, to send me something in writing in regards to my disputes.

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