BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My name is XXXX XXXX. 

Im filing a complaint today about the customer service practices at KeyBank. My issue with KeyBank is they have froze my account since XX/XX/2021 due to accidentally cashing a check twice, the first time being a mobile check deposit and second being a atm check deposit. The reason I have made the atm check deposit after the mobile check deposit was because I havent recieved confirmation from my mobile check deposit, so to make sure I have cashed the check I made a atm check deposit. Due to making the deposit twice the bank has restricted my account activities and Im unable to even login to my mobile banking application. I have also accidentally used some of the banks funds but immediately credited my account. The bank branch manager in XXXX XXXX WA branch Mr. XXXX has told me since XX/XX/2021 that he will resolve the issue, but I am yet to receive any answer and Im being told by the manager that my issue is going to be too priority but since Im still being under represented. I feel as though my business with KeyBank is being discriminated and manipulated. I am loosing patience with this bank so as soon as they receive an email from the CFBP I will want them to unfreeze my account and then I will remove all funds and discontinue business with KeyBank for me and my family members who are apart of KeyBank as well. Please help me resolve this issue to the highest order. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: CT
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 in regards to XXXX, XXXX and Experian Credit Bureau. I've submitted 4 disputes with these Bureaus about inaccurate data being allowed in my credit report even after disputing. I also included sections of the FCRA citing how they are required to report correct data and to delete inaccurate data. This data has been in my report for years and now XXXX, XXXX and Experian need to comply with the FCRA. 
The accounts are : XXXX. XXXX XXXX XXXX XXXX payments with erroneous rating key. Stating 90 days late for XX/XX/2018 but Ok=current for the three months prior. 
2. XXXX XXXX collections accounts ( 2 ) allowing reporting of a higher balance original than the creditor amount. Having a past due balance and at times a monthly past due as a collection. 
3. XXXX XXXX disguising as a new creditor and reporting an open new account. 
4. XXXX XXXX XXXX XXXX XXXX & # XXXX as open accounts with a past due and monthly past due as a collection. 
5. XXXX reporting a balance 100 % over the original credit limit ; has a past due balance and at times reporting monthly past due. 
XXXX XXXX XXXX XXXX XXXX disguising as a new creditor with an open account. Balance higher than original creditor amount ; past due balance and at times reporting a monthly past due as a collection.

7. To delete all negative remarks- as its not a true reflection on their erroneous reporting.

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 2017-07-07
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Was taken in XXXX XXXX ( address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl ) XXXX XXXX from a XXXX  accident. I was not able to give them my Information due to being in an accident. They somehow had my information but failed to include my address. They put the hospital address as my address and I never received a bill. A few months later, the bill shows up on my credit report as being in collections. I contacted the hospital XX/XX/XXXXand told them that they falsely took down my information and never filed with my insurance. They said the bill was in collections and that it was out of their hands. I had my insurance company call them and attempt to make a payment or agreement and they still refused to work with my insurance company. I contacted the collection agency, United Collections Bureau ( phone : XXXX ) in XXXX XXXX and they refused to work with me on the amount. They demanded I pay XXXX dollars on the spot. As of recent, ( XXXX XXXX ) I had to remove the dispute on my credit report in an attempt to buy a house. The debt went to an attorney 's office ( phone : XXXX ) I again offered to settle with the attorney 's office during this time but they would not budge on the amount of payment. They also demanded XXXX dollars and as a XXXX XXXX I did not have. The collection agency then filed several disputes on my credit report stating I was past my due date of payment and it took my credit score down severely. This is the only thing delinquent on my credit report. Over the past 10 years, I paid off my student loans, car payments and several credit cards. I have no outstanding debits and just one single delinquent account ( mentioned above ). Due to this single dispute from this company, my credit went from XXXX to XXXX. This single dispute will cost me thousands of dollars in interest rates if I ever choose to try and buy a home. At this point, if I pay off the debt, the damage is already done to my credit and it will not make a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. XXXX XXXXXXXX XXXX XXXXXXXX. Cc Federal Trade Commission. 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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2020-04-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I found the accounts on my credit report I never opens those accounts are fraudulent accounts

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 2022-03-31
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'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: NY
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 writing today because I am shocked on how poor attention and lack of investigation XXXX, and Equifax has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX Account Number XXXX The first error date of activity XXXX is reporting XX/XX/2021 and Equifax is reporting XX/XX/2021. 

The second error account status XXXX is reporting closed and Equifax is reporting open. 

The third error payment status XXXX is reporting payment status as collection/ charge off and Equifax is reporting Late 120 days. 

The fourth error is last payment XXXX is not reporting a last payment and Equifax is reporting last payment XX/XX/2021. 


I have sent numerous letters to Equifax and XXXX they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. I have the right for 100 % accuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 call XXXX XXXX XXXX XXXX ask them to closed this account and they did n't Account Number 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 2020-04-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone named XXXX called and told me she was from Chase Bank and they had noticed suspicious activity on my account from my debit card. She talked to me for a while, and knew my debit card number, address, etc, she told the information to me, she did not ask me to give the information, just the way Chase has done in the past when I have called them for something. 
The charges were to XXXX in Florida there were around 22 debits for {$100.00} each transaction. XXXX said that XXXX XXXX  would bring me a new card by XXXX the following morning, and that they were going to try to catch the people using the card, and they would freeze my accounts. She kept telling me not to worry. I believed her. I checked my checking account a couple of hours later, and saw that there had been no hold put on my account, so I put a lock on it. I had around {$900.00} The next day, XXXX XXXX did not come, and I decided to call XXXX at the number she had called me from. The man that answered said that it is XXXX XXXX. I told him that XXXX had called me from the number that I called and he said she wasn't in. I asked if she works there, and he would never say. I asked what affiliation they have with Chase, and he assured me there is no affiliation. I asked why XXXX XXXX would have my checking and Debit information, and he said he knew of no reason why. 
I called Chase after I hung up, and they didn't know anything about my debit card being illegally used the day before and that there was no record of a XXXX calling me. They told me it would take 10 days. 
All of this happened while the whole country is in lock down, and there is no possible way that I was in Florida when this happened. 
Today, XX/XX/2020, I received communication from Chase through online letter held at the bank, that they have put my account back like it was, but that I can not access the {$900.00} for my bills or any other reason, I have attached the communication, they said that my account is closed and I can not get the direct deposits of Supplemental Security Income checks that the joint owner of the accounts, has coming in every month. My house payment is automatically paid every month through that account, and it won't be paid either. They don't say anything about opening a new account. What am I supposed to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have recently received a copy of my report from XXXX XXXX and XXXX XXXX. I wrote Bank of America a letter at XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX, explaining this incorrect information. I request for BOFA to dispute the following incorrect information showing on my report file. On The report copy I circled the items I dispute on the attached copy of my report I received from XXXX XXXX and XXXX XXXX. 

Bank Of America Account # XXXX and Bank Of America Account # XXXX stated it was closed down due to fraudulent activity. 

I have recently disputed this with XXXX XXXX and XXXX XXXX, this is inaccurate information reporting on my report! Im a victim of identity theft, I am requesting that these items be removed to correct this report information. 

Enclosed are copies of my Police Report, Federal Trade Commission on Identity Theft Report FTC Report Number XXXX, a copy of my current Identification Drivers license and other supporting documents. 

Please reinvestigate this matter by deleting and correcting the disputed items that are showing on my report as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX https : 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 explanation
Consumer complaint received 2020-05-30
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2020 I've tried several times to have my bank account connected to use with a different merchant for financial services and each time I'm unable to access my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Informative Research
State: TX
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:
There is an unauthorized inquiry from informative research on XX/XX/XXXX on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i contacted ERC on X/X/2018 to find where the debt was coming from and they couldnt find anything that supported the reference number i provided. they also searched by phone numbers, address, and social and got no results. i have no knowledge of any amounts of to a XXXX XXXX in the amount of {$330.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: MN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2017-10-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In early XXXX I recceived a XXXX loan of {$250.00} and was to pay it back in 2 weeks. The day it was due in midXXXX I was not able to pay it back. After the due date I spoke with the XXXX Mgr, XXXX at the XXXX Store and explained the problem why I could not pay yet and I hope to pay soon. XXXX, XXXX Mgr. said to keep in touch. Unknown to me when talking to her the XXXX store had been calling my employer. Sometimes the XXXX lender would call my employer and hang up just enough to annoy my employer. I finally got reprimanded and am looking for another job. The company is XXXX XXXX XXXX of California. I think this action is unfair. They contacted my employer and references within a week of being late on the payment.

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 2022-03-31
Company: Kriya Capital, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i recieved collections notice XX/XX/2022 for a debt i had paid for in the last couple years. the problem im having is i paid this debt with a checking account with the bank XXXX XXXX. they are no longer a active bank and i cant find the records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Currently on myequifax website I can can not submit any disputes. My credit report does not show up on the site but it gives me a credit score. attached is a dispute letter to the accounts that I will like to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
They inappropriately put a remark on my credit score during the pandemic. I tried to call and spoke to multiple people and a supervisor and they offered no resolution. They would not even put an inquiry to check to see if there was anything that could be done ( regarding the credit remark ). The supervisor blamed it on the government and said everything was black and white. They are not being held responsible for their actions and reports. Someone needs to know about this. The employees over the phone were very rude as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 
Also Attached is a copy of my identification and current address. 

RE : XXXX XXXX XXXX  XXXX Account # XXXX In accordance with the Fair Credit Reporting act Convergent 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. 

The Company 's Response to Complaint XXXX In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX. 

I have attached additional information need to verify my identity and current address.

Company response to consumer: Closed with explanation