BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: KEYCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a business account with Keybank for about half year. At the beginning of XX/XX/XXXX, my online banking is locked. I could no longer log in to see my account. I immediately contacted with the XXXX XXXX XXXX and Keybank online customer system. Keybank online said they could not help me at all. I need to talk to the local branch. And the people at XXXX XXXX don't help me at all. I gave all documents to them. And they still don't know why my account is locked and told me to wait and wait. And I have been waiting for over a month. I still can not access my account. And the Branch can not even print out the statement for me. I am so anxious and worried because I have no idea what could have to my account. I don't know if money comes in or who takes out my money. People at XXXX XXXX don't want help me and I don't know what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: PA
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 Card continues to place hard inquiries on credit file for dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Requested authorization of signature and company fail to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I notified Bank of America of numerous fraudulent transactions. They opened a claim and gave me provisional credit for the whole claim of {$17000.00}. a few days in they made roughly half permanent while " investigating the rest ''. They ended up denying the second half of the claim, Violating Regulation E, falsely advertised zero fraud liability and caused significant damages. 

Their whole basis was they could only recover half and the bank isnt in business to lose money. They ignored the facts and evidence and violated my rights and many laws. 

If they illegally overdraft my account, I will sue and seek actual damages, statutory damages, economic and non economic damages, punitive damages and legal fees.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
never told me about {$18.00} overdue balance have tons of credit, and then they decided to report me without notifying me at all about the balance. I have almost all my accounts on autopay, this one is not LOOK at my record. They are trying to use systemic fraud to collect late fees by not informing their customers its only a few bucks for me which I paid immediately but these guys are definitely fraudsters and should pay the price. I will be paying the price unless this is completely removed from my credit. I am taking them and all the agencies to small claims court, I just had to wait for it all to show up on my credit reports to do that. Maximum damanges and possibly individual cases. Hopefully you can do something to to stop this fraud! Thanks!

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 2020-03-16
Company: CURO Intermediate Holdings
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I have taken out a line of credit on XX/XX/2019. As of today I still owe {$1100.00}. I am trying to end this loan. I reached out to this company and they stated that since I live in Virginia that the are unable to make any arrangements with me. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: NJ
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 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2018-08-21
Company: PENTAGON FEDERAL CREDIT UNION
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. However, there are several credit cards where I was added on as a user only, and its time that I request the removal of my name off of the accounts of my husband XXXX XXXX. I also demand the deletion of these accounts from every pertinent credit reporting agencies, XXXX, XXXX  and XXXX XXXX respectively. I believe its necessary to file my notice through the Consumer Financial Protection Bureau, as I do not see these creditors working fairly or quickly. Accordingly, I request the deletion of these items from my credit bureaus and the purging of my information with each financial institution.

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 2022-02-12
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Originally appeared on my credit reports several years ago as a debt owed to XXXX XXXX ( TX ) XXXX. Evidently, they are a county ambulance service. At the time they claim services were provided, sometime in XXXX, I was XXXX and was covered by Medicaid. I had never and have never received a bill of any kind either from XXXX XXXX XXXX or the collection agency, Municipal Services Bureau ( " MSB '' ), which is a known scam front for Gila Group. When this first appeared on my credit in XXXX, I called MSB and explained the situation and asked why I never received a bill of any kind from XXXX XXXX XXXX, nor from MSB. No one could provide any explanation and agreed to remove it from my credit, which it was. Then out of the blue, about 6 months ago it reappeared on my credit. I have contacted MSB again and they could not locate any record of me whatsoever and had no idea why it was on my credit. The MSB rep said he couldn't have it deleted if they had no record of me. In other words, they didn't know why it shows on my credit so they can't do anything to remove it. But the Rep then went into a spiel that if I paid MSB the amount shown as a debt, they COULD remove it. So it is just a shake down by a corrupt company, Gila Group, and its front MSB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to Chase on XX/XX/XXXX. We are set up to automatically electronically pay our payment each month. On XX/XX/XXXX, and on XX/XX/XXXX the payments were electronically transferred for the payments due on XX/XX/XXXX and XX/XX/XXXX, respectively. On XX/XX/XXXX I got a call from XXXX at Chase saying that we had not made a payment since XX/XX/XXXX. I informed that we, in fact, had and provided him the details of the e-payments and when they were made. He requested that I get details of the payments from our bank to help them find the missing payments. XXXX also stated that this process usually takes 3-5 business days. I called our bank, got this info, called Chase back and talked with a rep named XXXX, whom took the info and stated he entered it into the investigation file. Next communication from Chase was in the morning of XX/XX/XXXX, when I received another call from Chase about our mortgage being delinquent. I informed them that I had already spoke with the other reps, and was thinking this should be resolved by now. I gave them the info about the payments again. I followed up the next day, speaking with XXXX on the afternoon of XX/XX/XXXX. This conversation was productive in that we were able to verify that the mailing address was correct, and that the investigation was still open. On XX/XX/XXXX, was informed that they needed another piece of info, that the Chase rep termed a electronic type line transmission from our bank. I called our bank to request this, and no one there had any idea was this is. I went to the local Chase bank and spoke with a mortgage rep there ; she had no idea what this was either, so suggested I get any info from my bank I could. So I got the trace numbers for these transactions ( this was all the other info that there is for these transactions ) and had the local Chase branch fax this info to the investigation department. I call Chase back later that day, and the person I talked with was unable to verify if the fax had been received. On XX/XX/XXXX, we received in the mail paperwork to fill out to see if we qualify for assistance, and if not would face foreclosure! Today, XX/XX/XXXX, I called again and spoke with XXXX, whom confined all the info was in the file, and would escalate the file to get priority service. This has drawn out too long, and now we are being threatened with foreclosure when, in reality, we have not been even a day late on our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX-2022 I seen a warning notification/message about how to prevent fraudulent activity a week after I opened my account, I ignored it because I didnt know what they were referring to. There wa no message or nothing and no one over the phone could explain to me what the message was for. And Nothing on my account was fraudulent. I had set up direct deposit with Citibank on and transferred over $ 3k on XX/XX//2022. I got a text message that was dated XX/XX/2022 asking for me to click on the link and log in to prove who I am before my account closes on the XXXX of XXXX, when I received that text it was already the XXXX of XXXX. I called Citibank and they said they never send out texts messages and to ignore it because it is fraud. So Ive tried logging in to my online account with them, and after I signed in it asked me to provide them with my debit card number and last 4 of social. Everytime I did that it kept on telling me that it did not recognize me. I called citibank again on XXXX to see what is going on with my account and my direct deposits from my job. They kept telling me that there is a block on my account and that they have to transfer me over to a department who could release the block. They transfer me and the phone agent tells me that my account is closed, read off some long script about a decision that was made to close my account and then hang up. They still have my check pending when they told me my account is closed. Theyre refusing to tell me how to go about getting my money, and when did they close out my account. Nobody is telling me where my other deposit of $ XXXX went. I am just tired of calling them everyday and just to get the same response every time. They never let me speak to a supervisor or someone in the fraud department, it is always a regular agent who is assisting me and acting as if I am some type of criminal and like my hard earned money from my job isnt mine! I havent recently any letters or emails from them to say my account was blocked, on hold or is closed. I can not provide any documentation since they blocked my account, I could no longer sign in to my online account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened BOA XXXX XXXX account back in XXXX, but now they are forcing to convert this no-fee checking account to a fee imposed checking account, so-called XXXX XXXX. They were promised me that this is a lifetime no-fee checking when I opened it, but now they try to convert it. Call but no help at all.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2018-08-21
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart-felt explanation of the facts surrounding my own financial hardship. I therefore request Home Depot to  submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.

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 2022-03-25
Company: EQUIFAX, INC.
State: UT
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 filed 2 rounds of disputes for a few accounts with this credit bureau. the first round of disputes were on XX/XX/22, to verify the accounts. and the second round of disputes on the XX/XX//22 for inaccurate information and illegal collection fees. I have not heard from them and it has been 30 days. I would like the accounts in question to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
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: Problem with personal statement of dispute

Complaint:
This is being sent in response to notices sent to me from " XXXX XXXX XXXX " and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

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 2023-02-03
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: Their investigation did not fix an error on your report

Complaint:
This is my second attempt to get credit agencies to comply before legal action is taken for violation of my consumer rights. I will be seeking {$1000.00} in damges per violation. 

In accordance with the Fair Credit Reporting act. The List of closed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAINE WEINER is claiming that I owe them {$280.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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