BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: KEYCORP
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a new credit card that I did not request. I received the card on XX/XX/2019. The card was sent from Keybank Card Ops - XXXX XXXX XXXX, XXXX, Ohio, XXXX. On XX/XX/2019 I sent Key Bank an email asking why I received the card. They responded by requesting account information that I did not supply. I am concerned that this is a scam since I did not request the card. I sent a follow-up email on XX/XX/2019 stating that their bank sent me a credit card that I did not request. Isn't that against the law? I received a call from " the bank '' on XX/XX/2019. I was not at home. They left a message. On XX/XX/2019 I called the bank and spoke to a representative. Of course that requested my account info. I refused. Asked if they could look up my account utilizing my full name and address. She said they could not ... which I find hard to believe. I would just like to know why they sent me the card. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Ascendium Education Group
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 am a victim of Identity Theft and The Federal Trade Commission-Consumer Response Center-FCRA has been contacted and a complaint has been filed also I filed a police report and the FTC ID Theft Report on file. The accounts that are in question were originally with XXXX XXXX, the sold to XXXX, then sole to XXXX XXXX, and I have addressed the issue and they were deleted with All the Credit Bureaus. Now another company bought them under the name Ascendium Education which is reporting ( 4 ) accounts on my credit file ... Now another company called XXXX. XXXX XXXX XXXX XXXX XXXX is trying to buy the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There is multiple business credit card inquiries on my credit report. 

I only applied for a XXXX XXXX XXXX XXXX on XX/XX/2020 and now there is inquires from other Banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
ALL inquires listed below are fraudulent! i never applied nor do i have credit card with those creditors! 
i spoke with the creditors back in XX/XX/XXXX and they said it will be removed, its been 4 months and its still on my report ( Experian ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. 
XX/XX/XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXF XXXX XX/XX/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 2017-09-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2017 I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XX/XX/2017 and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XX/XX/2017 to which I immediately called XXXX for an opt-out again. Today, XX/XX/2017, I received another XXXX XXXX mailing. I thought something was not right so I pulled my Experian credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.

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 2020-07-20
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While reviewing my credit report, I discovered this account which I had no idea about on my credit report, and I contacted my attorney.My attoney then requested i contact your office for immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The XXXX XXXX is reporting different on each credit bureau XXXX shows {$1000.00}. Experian shows {$0.00}. XXXX shows {$1000.00}. 

Each credit bureau shows a different date of last active. XXXX Shows XX/XX/XXXX. Experian shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA

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 2019-03-05
Company: SecurityNational Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Because of multiple errors on the part of my mortgage escrow account, I have asked that the mortgage company let me out of my escrow account. This the the 3rd time I have made this request. Each time I make a request I am given a different excuse as to why this can't be accomplished. This year, I changed insurance companies, and notified them of this. They proceeded to pay BOTH insurance companies putting my escrow into a negative balance. Even though I contacted them immediately, they forced me to pay 2 mortgage payments of almost {$200.00} more than my previous payments. I have no idea where the extra money went, but it doesn't appear to be in my escrow account. Here are the excuses that have been given to me by my mortgage company.

1. I had one late payment in the first year. This is true, because I misunderstood how long I had to pay after the due date of the 1st.

2. I was told I did not have a conventional loan. After looking into this, I found that I DID HAVE a conventional loan.

3. I was then told that the investors did not allow me to pay my own insurance & taxes.

I had an attorney look into my paperwork and I have contacted the company that did the closing for me and they both agree that # 2 excuse & # 3 excuse are nor valid. No where in my mortgage contract does it state that I have anything other than a CONVENTIONAL LOAN, not does it state that the investor does not allow me to pay my own insurance & taxes.

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 2021-01-23
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I purchased a vacation from a telemarketer. Upon review of their available resorts, I requested cancellation/refund, clearly within their written terms. When I received no response, I contacted Citibank to dispute the charge. In spite of clear documentation provided, Citibank repeatedly denied my disputes. Initially Citibank asked me to provide supporting documentation, and when I did, simply said they can not do anything with no explanation for why, and that the investigation was closed. I feel I have been wrongfully denied by both the merchant and Citibank and am hoping you can help. I have all the emails and executed documents to support my case and am happy to provide - I attached summary and final attempts to this request below. Kindly advise. Thank you so much in advance.

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 2018-05-06
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:
I disputed inaccurate unverifiable items on my credit report on XX/XX/XXXX  after not getting a response I resubmitted response onXX/XX/XXXX along with the FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 623 ( b ) ( 2 ). And as of XX/XX/XXXX Equifax has yet to send me any updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a dispute to Experian regarding a Public Record ( Bankruptcy ) on my credit report via certified mail on XX/XX/XXXX. The dispute is in reference to the following item : BANKRUPTCY CHAPTER XXXX-DISMISSED Filing Date XX/XX/XXXX Amount {$0.00} Reference Number XXXX Court Us bkpt ct nj XXXX Specifically I asked Experian to verify this information and show me how they had verified this information. 

They replied me on XX/XX/XXXX claiming that they verified this item based on information from a 3rd party, The 3rd party is not specified. Here is their response : US BANKRUPTCY COURT NEW JERSEY Public Record REF # XXXX .... 
The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I contacted the court in question and they informed me that they do not respond to verification requests by credit bureaus or 3rd parties.

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: CAPITAL ONE FINANCIAL CORPORATION
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:
Re : Unauthorized credit inquiry I am writing to request the removal of an unauthorized credit inquiry on my XXXX, XXXX  and XXXX  credit Report. 

My latest credit report shows a hard inquiry from your company. Ive had a security freeze and fraud alert on my credit file since 2007. According to the FCRA data furnishers are responsible for reporting accurate credit information. The FCRA also states a potential creditor must adhere to FCRA fraud protection guidelines. 

As a consumer I have done my due diligence to seal my credit file. Utilizing the credit freeze feature and fraud alert feature. Your company is in violation of the Fair Credit Reporting Act. My credit file was accessed illegally by your company. My credit file clearly states a company must contact me via phone to ask identifying questions. 

Your company allowed someone to gain access to my credit file to apply for credit I did not authorize. Please remove unauthorized inquires from my credit file. I would appreciate a copy of my credit file once this issue is resolved. 


Unauthorized account information below : CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-06-01
Company: DriveTime
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:
There are unknown hard credit inquiries listed on my credit report by DT CREDIT, that I have no knowledge of with dates of XX/XX/XXXX and XX/XX/XXXX. DT CREDIT company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-25
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX - received mail from USBank Reliacard which I do not have an account with and did not apply for an account with. Mail included a new Visa debit card with activation information ; The Reliacard cardholder agreement ; USBank facts and questions XX/XX/XXXX - called USBank Reliacard at XXXX multiple times and this number always has a recording that will not allow you to talk to a customer service representative and wants you to enter your card information to activate the card and set a PIN number XX/XX/XXXX - called USBank at XXXX and they automatically transferred me to the Reliacard number and automated message per my note above on ( XX/XX/XXXX ) ; called USBank again and demanded that I speak to someone but the CSR said that they couldn't help me as it was a Reliacard and is a totally separate system ; I left my name and phone number for a supervisor to call me back ***my fear is that people will activate the card and create a PIN number and then someone else will have a duplicate card that they will use for fraudulent purposes ***I also fear that my personal information may be compromised

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 2023-01-19
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX This bank charges account inactivity fees as many banks do. However, what this bank also does is disable your online access to your account when they begin charging your fees. I've now been on the phone over XXXX XXXX trying to reenable this account so I can transfer my funds out. 

This practice seems as if its goal is to ensure it is as difficult as possible for people to : XXXX. Notice that their account is getting inactivity fees XXXX. Withdrawal funds from their inactive account, ensuring the bank maintains control over the funds and can gain from the inactivity fees. 

It is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 received an email from XXXX XXXX on Saturday, XX/XX/XXXX informing me that there was a hard inquiry on my TransUnion credit report from XXXX XXXX XXXX XXXX. I had never heard of this bank nor did I request credit from them. 

I contacted TransUnion by phone today ( XX/XX/XXXX ) and they confirmed the hard inquiry on my account and said I should contact the FTC to file a complaint and have the hard inquiry removed from my account. I called the FTC and was referred to XXXX where I was then transferred to this website.

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 2021-01-29
Company: Experian Information Solutions Inc.
State: LA
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:
My attachments will describe the issues which involve : 1. Experian failure to comply with Fair Credit Reporting Act ; 2. Failed to correct incorrect derogatory information in my file ; 3. Exhausted myself providing evidence that refutes information contained in my credit report ; 4. Failed to include statement in my credit report sent certified mail 3 bureaus ; 5. Failed to notify me that they had frozen my account ; 6. Failed to notify other credit bureaus ; 7. Failed to provide a credit score and report as recently denied credit.

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-11-17
Company: EQUIFAX, 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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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 SEVERAL Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation