BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I picked up a prepaid rental car from XXXX XXXX XXXX on XX/XX/2023, in XXXX, South Carolina. At the time of pick up, I upgraded my car choice and agreed to the increased total amount of {$100.00} and was told that XXXX would put a {$250.00} hold on my debit card. I dropped off the car on XXXX XXXX in XXXX XXXX South Carolina . I was told by the XXXX customer service agent that the {$250.00} hold could remain on the account for 3 business days after dropping off. I was charged the {$100.00} rental fee for my upgrade on XX/XX/2023. I contacted XXXX Billing on XX/XX/2023, to inquire about the {$250.00} still being held. They said it would be released no later than Tuesday, XX/XX/XXXX. I contacted my banking institution and asked if they could remove the hold. The agent said if XXXX called them directly then maybe they could work something out. On Wednesday, XX/XX/2023, I saw that the hold was still in place. I went to my bank ( Key Bank ) and the branch manager filed a dispute and then told me there was nothing else to do unless XXXX calls them directly. I contacted XXXX again and was told by a billing agent that they can not make outgoing calls. I provided him a fax number and am now still waiting for my funds to be released. Today is XX/XX/2023 and XXXX has been holding these funds for 13 days. If Key Bank is capable of releasing the hold then why can't they just release it? This is my money and my banking institution should be protecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a Chime Checking Account with the special terms of getting {$200.00} bonus for opening the account and then another {$100.00} if I referred someone who also opened an account. 

I opened and funded the account and only received a {$100.00} bonus. I referred someone else and received that {$100.00} bonus. However, still missing the other {$100.00} of the initial {$200.00} bonus. 

I received an email from Chime stating the initial {$100.00} sign up bonus had been elevated/increased to {$200.00} yet they have not honored it. 

Contacted Chime and was told they would look at the back end and never heard back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recieved multiple calls from XXXX Won't give me any information unless i hand over all of my info. Won't give me the information i want ie. If they can even collect this debt in my state. An itemized bill for such debt. Have been hung up multiple times. I have no debts. They keep saying hippa laws. Which a debt company can not hide behind. I truly believe the people who are using this number is a scam business and needs to have their business license revoked permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent a letter to the Credit Reporting Agencies on XX/XX/2023, requesting to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaints & I am including it again.

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 2023-11-21
Company: EQUIFAX, INC.
State: TX
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:
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. 

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: In progress
Consumer complaint received 2023-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
BOA responded to my earlier CFPB complaint offering XXXX $ bonus but just gave 1 day to spend. I got letter on XX/XX/XXXX and they gave only time until XX/XX/XXXX. Even then i spent all XXXX $ spend needed but they are not offering XXXX $ bonus as transactions posted on XX/XX/XXXX even though they were spent on XX/XX/XXXX. 

BOA Ticket XXXX can be used as reference.

Company response to consumer: In progress
Consumer complaint received 2019-08-28
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: Account status incorrect

Complaint:
I am writing to dispute the reporting by XXXX to Transunion of my liability for a late payment from XX/XX/2019. I will simultaneously be reporting this to the XXXX and Transunion for further review. Grievance. 

1. I allege my ex-wife fraudulently processed a chargeback on prior payments made on my lease to XXXX. Upon learning this, XXXX indicated that their systems had me requesting the chargeback, to which I replied with the allegation. I further asked that they respond to the chargeback dispute inquiry with XXXX to affirm the payment was legitimate. They refused. I was unsuccessful in convincing my ex-wife to make the payments and so they were two months behind with no warning. 

2. When I began receiving calls from collections, I also offered to furnish evidence of the fraudulent chargeback. On XX/XX/XXXX, XXXX collections called me with indicating that if I didn't make a payment that day, there would be negative reporting on my credit because we were " at the 40-day mark. I went ahead and MADE A PAYMENT THAT SAME DAY, XX/XX/XXXX. Because I was told this payment would avoid negative reporting, I am here alleging erroneous late payment reporting by XXXX inconsistent with their own internal procedures and external communications to me. 

If they are exempt from disputing the chargeback, they most certainly should be held accountable for the communication regarding credit. There is more context to the situation that XXXX is aware of and avoided answering the substantive issues above in complaint XXXX. Simply reviewing the payment record without listening to the recording of the collections conversation misses this vital communication, even if claimed as agent error ex post facto. It costs you nothing, XXXX, to correct this error in your reporting. It most definitely costs you a customer if you refuse to correct the error. It shouldn't be my credit, in the meantime, that is the only thing impacted. There is an easy and just fix to this well within your power to redress. 

The software below is not processing attachments. XXXX has relevant payment history.

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 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hard inquiries on my credit report from unknown sources.

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 2023-11-20
Company: EQUIFAX, INC.
State: MS
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: In progress
Consumer complaint received 2020-09-29
Company: Mr. Cooper Group 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:
Investigation took longer than 30 days and the credit report has not been changed. I have not seen records that purport what the company is saying. Please provide a recorded call log of my phone conversation when the chat of miscommunication took place regarding payments. 

Please also provide a written log of wording of what was said. 

Also provide call log of all the times I called and received unanswered responses and failure of call backs by the company to deny you're service was unattentive. 

Also provide a report on Mr. Cooper treats customers of all races in regards credit mishap forgiveness and credit embellishments. There may be a level of systemic bias in this matter that we are not seeing as to why  this company refuses to remove a credit mark when so many other companies can and will do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt to XXXX XXXX XXXX in XXXX of 2017. 6 months later in XXXX they reopened the previously close and paid in full debt and now it's at {$100.00}. I do not owe this and it is affecting my credit rating. I am making this complaint and will hope they take it off my credit report. This still impacts my credit rating and my overall financial health. I was supposed to be building my credit rating to buy a house. Now I've been sabotaged!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was notified of the lingering debt for XXXX dollars after trying to receive help 4 months on end from XXXX XXXX. Since then my English has gotten better but at the time hardly understood the directions and making the payment and why the payment continue to adjust an order for me barely not to be able to afford it why they stepped on unbelievable he's on top of each other. Several times I my vet reached out for help hanging directions on how to properly play an explanation of the fees. I never once got any sort of bilingual assistance. The den tone is significantly different from the amount borrowed and they have yet to furnish proof for that amount. From what I read in the library this violates the Fair Credit Reporting Act and Fair Credit Lending Act since this would be considered a fraudulent loan through to the violations of the bank Promises of everything fine. I had no problem selling me alone in XXXX but servicing alone and making sure I was okay it was a different story. The account should be eliminated from my credit because of the Fair Credit lending violations so that my family and I can live the American dream. From what I have read this Shady collection agency attempts to collect more than 900 over the original debt and we'll practice any short of abuse in order to get me to pay what I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-10-28
Company: EQUIFAX, INC.
State: NV
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:
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 XXXX XXXX XXXX Account number # 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 or 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 know or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFN I Corporation has some kind of a write off for me for some equipment with the cable company that was demolished in the hurricane in the XXXX XXXXXXXX in 2017 the house was demolished all the equipment was demolished I went to the XXXX building which was demolished they made me sign some paperwork and ever since then Ive still been getting billed I dont know in the house anymore it was lost in a natural disaster

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 6 accounts on my credit report that are not mine they do not belong to me i have not applied for this and nor am i going to pay for someone elses accounts. I have sent out multiple disputes with no avail I need this taken care of asap please. I dont know who else to reach out to since I cant get a hold of the three bureaus or get straight answers, XXXX - Acct # XXXX Amt {$9500.00} XX/XX/XXXX - Acct # XXXX Amt {$5500.00} XX/XX/XXXX- Acct # XXXX XXXX {$5800.00} XXXX - XXXXAmt {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-11-21
Company: EQUIFAX, 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 writing to file a formal complaint against XXXX, XXXX, and EQUIFAX regarding their failure to remove fraudulent accounts from my credit report despite providing substantial evidence proving that these accounts do not belong to me. I request your assistance in resolving this matter and rectifying the inaccuracies on my credit report. 

I have repeatedly contacted the credit bureaus, providing them with documentation including police reports, identity theft affidavits, and correspondence with the fraudulent creditor, proving that these accounts were opened fraudulently and are not associated with me. Despite my efforts, the incorrect information remains on my credit report, negatively impacting my creditworthiness and financial stability.

Company response to consumer: In progress
Consumer complaint received 2020-09-29
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I just received my unemployment state debit card and it wont let me activate my card online, on the app, or over the phone because its saying my information dont match records but i am giving the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
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 am in received some letters from XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX****, XXXX # XXXX****, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between FFCC and myself, XXXX A XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

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 2019-08-28
Company: EQUIFAX, 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 am in received some letters from XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX,  informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX and myself, XXXX XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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 applied for a equity loan with my mortgage company and was turned down. I was told by a representative with the mortgage company I was eligible for the loan, I only needed a credit score of XXXX to obtain the equity loan however I did not here back 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 2022-04-04
Company: Experian Information Solutions Inc.
State: DE
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 lost my wallet in 2020, Im not assure of when I lost it, The following year until now, I've seen a unauthorized car loan and multiple inquiries.

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