BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX account with XXXX. In about XXXX of XXXX I had to close the account. XXXX was able to close the account for me. However, they indicated that they were going to charge me the full month of service, but then pro rate it from the day of termination and provide me a refund. So I had the full month charged and paid, but then XXXX owed me a {$160.00} refund. Due to what I have been told several times by XXXX customer service representatives was a " system glitch '' I was not in the system as " being owed '' {$160.00}, but rather I owed them the money. 

I have called XXXX countless times and each time they have apologized and promised to fix it. After a year of this complete incompetence, XXXX finally sent my refund check in the mail in the amount of {$160.00}. I received the check XXXX of XXXX. Yet still to this current day ( XX/XX/XXXX of XXXX ) I am in collections with XXXX. I have been in collections for over a year. My credit score has been destroyed due to this " serious delinquency. '' And XXXX has given me no recourse. I can not even get through to their collections department. There is no email to contact XXXX. It is just endless transfers from department to department. The only way I was able to get through to XXXX after an hour of endless transfers was through an automated chat. And then after the chat was completed there was no option to save the chat for further reference.

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 2022-08-12
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following US DEPT ED XXXX Balance : {$4200.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2006 XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2006 XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2021-05-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: PARSON BISHOP SERVICES, INC
State: NC
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:
On XX/XX/XXXX after repeatedly speaking with XXXX XXXX and XXXX XXXX about an ER visist that was billed as an in office visit I was told the billing code would be corrected snd a new bill would be sent. I paid mhy last payment of XXXX and was told that was all I needed to do. On XX/XX/XXXX PARSON BISHOP SERVICES has flagged your account as Collections. 

XXXX XXXX XXXX, XXXX. Unbeknownst to me the corrected bill was sent too late to XXXX. Again I get both companies on a three way call and find out the billing code was correct however XXXX made a mistake after telling me it was fixed. 

PARSON BISHOP SERVICES never reached out to me as they used an address I haven't lived in since XXXX. Nor did the contact XXXX XXXX who had the correct address as we had been in touch. The amount owed was reported was incorrect as I had made 3 payments and was told I was good. The amount I paid yesterday due to XXXX error was {$140.00} dollars I was told that XXXX XXXX would have debt removed as the error was not my fault and no bothered to communicate with me that XXXX hadn't paif the remaining balance as they previously stated they would. No One not even XXXX XXXX who know my correct address bohered to reach out to me. 

After XXXX fix the bill I will be refunded but the bill is paid in full.

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 2023-03-28
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX 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 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 XXXX XXXXXX/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 2020-04-03
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a KeyBank checking account on XX/XX/2020, a few days after opening a KeyBank Gold Money Market Account on XX/XX/XXXX or so. 

Despite several calls to Key Bank since opening this checking account on XX/XX/XXXX, they have failed to provide access to it and it is unable to be seen on the mobile deposit or in online banking. I have called their 800 number several times, they don't address it, make excuses, don't follow up, etc. On Friday XX/XX/2020, they told me a programmer was going to fix the issue so I could see and access my checking account in the mobile app or in online banking, and told me it would be resolved in 10 business days. Ten business days has come and gone, then I called back in late XXXX to ask why this still was done despite their promise it would be done from the XX/XX/XXXX call. They gave me the run around and no answers. Almost an entire MONTH after opening up this checking account, repeated calls to their customer service line, and promises this would be resolved, they've not delivered. Key Bank is a criminal enterprise, has the worst, dysfunctional and unavailable mobile app I have ever seen, and they lie to customers. 

I have zero access to my checking account, can not see it in the mobile app, have tried today to log in online and see it, to no avail. I emailed the personal banker the week of XX/XX/XXXX expressing concerns, he never replied to my email either. I will be getting a lawyer involved soon because their mobile app does not work and allow the customer to see their checking account despite me trying to add it to the app. The programmers and technology people do not follow up with the customer and neither does the branch banker or customer service. This needs escalated to the Executive Level.

I'm not playing games with KeyBank anymore. Their mobile app is always down, I've read  numerous online posts from frustrated customers, and I can not even get statements on my checking account, let alone see it in the mobile app or in online banking. The CFPB and OCC need to get to the bottom of mobile app issues that exist at KeyBank and their terrible technology woes. This has real impact to customers! And they also do not staff their customer service line so customers can not get a person on the phone to resolve their issues and the branches are closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history are incorrect and inaccurate. I was never late on these accounts. I've already sent a request to Experian to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$33000.00}

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 2023-03-09
Company: Experian Information Solutions Inc.
State: OK
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 U.S.C 1681. Account name XXXX XXXX XXXX account number:XXXXaccount name : XXXX XXXX  account number:XXXX. Account name : XXXX XXXX account number:XXXX. Account name : XXXXXXXX XXXX  Account number:XXXX. Account name : XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account numberXXXX. 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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
To Whom It May Concern, This account was charged off in XX/XX/2018. It is to my understanding that a charged off account should not include an active payment history. It manipulates the date of last activity. Please delete this account. Best Regards, 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 2021-03-02
Company: Adler Wallach & Associates, Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX balance $ XXXX AWA COLLECTIONS XXXX balance {$2200.00} XXXX XXXX XXXX balance {$1900.00} XXXX XXXX XXXX XXXX balance {$13000.00} XXXX XXXX, XXXX XXXX balance {$1800.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: IL
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:
I, XXXX XXXX, a federally protected consumer, am making this complaint against Equifax for continuing to report inaccurate information on my consumer report. After submitting a complaint against XXXX XXXX on XX/XX/2022, XXXX XXXX granted my request for removal and deletion of the alleged debt on all reporting agencies, of which the deletion was granted on XXXX on XX/XX/2022 ( attached screenshot labeled as Exhibit A ) and XXXX. After viewing my consumer report from Equifax I noticed that this account is still being furnished on my consumer report, attachment labeled Exhibit B. After attempting to settle this issue with Equifax to request that they correct the errors that they are reporting on my consumer report, I noticed that this same account is unable to be disputed, attachment labeled Exhibit C. According to the FCRA XXXX everything has to be 100 % accurate on my consumer report. With the evidence provided, it clearly shows that Equifax is indeed furnishing false and inaccurate information on my consumer report and this is definitely grounds for deletion/removal. I am demanding that Equifax correct this error immediately due to causing me and my financial reputation harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I originally contacted this company in early XX/XX/XXXX about some incorrect information on my credit report. I had a lot of inquires I did not authorized on my account. I was told to send in a letter listing the inquires I didn't authorize. Ok great, so I sent a XXXX letter to the company informing them of the inquires that weren't authorized by me. ( on or about XX/XX/XXXX ) Fast forward to today, I called transunion to ask about the status of my letter and was told the only way they will delete them is if I call all of the places, get letters from them, then file a police report for fraud, put a fraud alert on my credit and mail all of these things to them. 

This is absolutely absurd. I'm now demanding that you step in and require them to delete these unapproved inquires off of my report as I believe they are now hendering my ability to obtain credit. I'm well aware of my rights under the FCRA as well as the only reasons an inquiry should even be listed on my report. ( firm offer of credit, insurance, employment or court order ) NONE of these following inquires meet this nor have I authorized them. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX When I contacted transunion today I got information I believe to not be true and I am so upset that a company that is under law suppose to verify every piece of information is going to make the consumer out to be a liar. I was told most of those inquires only count as one. But that is false because they are reporting on my credit report as individual hard inquires. 

TRANSUNION ISNT ABOVE THE LAW.

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 2020-07-24
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX I spoke with Mr. XXXX from Consumer Portfolio Services on his direct line at XXXX in regards to my loan and struggling to pay it due to financial hardships with COVID-19. After bringing it current in XXXX with almost {$2000.00} worth of payments that drained my 401k, this company refused to offer any assistance above and beyond the 1 month extension that is available every six months on their loans. I called in XXXX to request a voluntary surrender - and reached a manager that refused my request and changed my due date instead as thats the most they could offer to assist to keep my account current. When speaking with Mr. XXXX and him continuing to reiterate that their company had no other options to assist me with my payments - I requested a voluntary surrender. He agreed and advised he would expedite the order. I requested that he have the repossession company call me before coming to secure the unit and if the call did not go through for the agent to text me - neither happened. In fact, on XX/XX/XXXX I looked outside to find the unit was gone with no contact attempts made to me. I reached to Mr. XXXX - he never called back. Upon contact with XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX FL, they advised that the voluntary surrender order was sent over as a do not contact customer. Which is 100 % opposite of the discussion had with Mr. XXXX on XX/XX/XXXX at XXXX eastern time in a 16 minute conversation that was had. This was a wrongful repossession in my eyes. I had even discussed how I could go about simply surrendering my car to an auction directly - but that was essentially shrugged off. All I wanted was to avoid additional fees and costs added to my loan balance from a repossession company getting involved. That was obviously not cared about in the least.

Company response to consumer: Closed with explanation