BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I placed an order for food delivery from XXXX XXXXXXXX 's through the XXXX app. After about an hour, I got a notification that the food could not be delivered. Per the app, the driver had already picked up the food. When I placed this order, I also signed up for the XXXX monthly membership, in order to get free delivery on this order. I contacted XXXX customer support, and all they would tell me, is that the driver could not complete the delivery and I would be refunded for the order. Since I added the membership to this order, I asked if my membership would be refunded too. Per XXXX, they cancelled the membership. I discovered the next day, that they cancelled the membership for the next month. I wanted it cancelled immediately, because I didn't get the order that I requested it for. When I contacted on XX/XX/XXXX, XXXX said that due to recent refunds and adjustments on my account, they were not willing to cancel my membership. As I mentioned, I only signed up for this membership because I had ordered the food. The food wasn't delivered. The entire order, including the membership fee, should have been cancelled. I advised XXXX that I would follow up with my bank. I contested the charge with Key Bank. They granted a temporary refund while they researched the charge. After almost three months, Key reversed the refund, saying that they couldn't help. All of that brings me here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to TransUnion. Also, XXXX ( an organization that mirrors TransUnion in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. TransUnion & XXXX have all maintained to fail in deleting this account which violates 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 2021-04-22
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX  apart from being extremely slow are not reporting positive information on my credit. 

Since 2019 I have hired a credit repair company and have aggressively pursued a credit increased score. XXXX  seems to have a higher score with a XXXX points difference. Equifax and XXXX  are behind for an entire 2 years of ameliorating my credit score. They are stagnant credit bureaus. 

I have paid off many items for 6 months and they still have not reported any of them. I have several mortgages in which they still have old amounts from years ago when they should be current. Some of the mortgages are XXXX less and they are still reporting higher debt amounts. They are also not reporting payoffs. Which increases my debt to income ratio lowering my credit score. They need to update credit reports more diligently and accurately. Their process of updating is just too delayed, making it impossible for people to have positive credit ratings. While one credit agency is reporting a high credit score. Equifax and XXXX  are continuously stagnated on the same score for over years. This needs to change! They need to value families more and be more diligent in the services they are providing. 

Credit is very important to be able to have purchasing power. At the moment I have to rely on old information they still have archived on my credit report. Many of them from decades ago declining my opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
on XX/XX/2020 a little after XXXX XXXX  I got my XXXX payment deposited on my Direct Express card so I went online to pay my XXXX XXXX XXXX which is {$310.00} but when I tried to pay it declined. The major problem I am having is that it is pending longer than 5 days now. I contacted the electric company and they said they do not even see a pending payment on their end even though Direct Express is telling me that its XXXX that needs to accept payment but the electric company says its Direct Express that needs to send the payment. I contacted Direct Express and was on hold over an hour and they seem to be a big joke because they acted like they couldnt hear me which I think is a lie because they heard me when I said I was going to record them and they said I couldnt even though they were recording me. I researched and found out almost everyone across the country is or was having issues with Direct Express. they are not resolving or even trying to resolve my issue. My {$310.00} is literally being with held from me and I am unable to pay my electric and this is my only income being on XXXX so because of Direct Express my electric will be shut off. please help me.They are not putting my {$310.00} back on my card. It is in some kind of limbo and they are keeping my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I initiated the transaction to transfer the amount {$9500.00} to my XXXX account on XX/XX/XXXXand {$3000.00} on XX/XX/XXXX. Later on, i had to cancel both of transactions onXX/XX/XXXXas my family was in need of money early while transactions were taking much time. 

Then i followed up with Western Union about my refund amount and i was said i will get my money back within 3 business days.

I followed up again after 3 business days, i was said by customer associate that Western Union never got the money, chase with your bank ( XXXX XXXX XXXX in my case ). 

I followed up with my bank associate and they confirmed that mentioned amount has been deposited to Western Union already and they never returned it back. 

Again, I followed up with Customer representative of WU on Wesnesday XXXX and i was said that they are going to open 2 new cases for my issues and you will get it sorted out within 24 hours.

When i did n't get my issue resolved, i called to customer care again on XXXX but again i was said to wait 24 hours more. 

Now today isXX/XX/XXXXand i am still waiting to get my money back. I am having feeling that its like a scam or cheating as they even after more than 15 days, i am waiting for my money. My family in XXXX, who were in need of money, they had to borrow the money from other sources and paying hefty amount as interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: EQUIFAX, 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:
Equifax continues to report wrong information on my report. XXXX  has already investigated and removed the accounts. The following accounts are not mine and should be removed because they are fraudulent. 

XXXX XXXX -- Account # XXXX XXXX XXXX XXXXXXXX -- Account # XXXX XXXX XXXX -- -Account # XXXX XXXX XXXXXXXX XXXX XXXX -Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: TX
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:
The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of Education and XXXX XXXX, my loan servicer to update the record but it has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX XXXXate Updated : XX/XX/2015

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 2019-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
On XX/XX/2019, I received an alert from XXXX  saying that my credit score had decreased and one of my account had been charged off. I immediately logged in to see what was going on because I always am up to par on my credit reports because I am trying to buy a house. Needless to say it says that CAPITAL ONE AUTO FINANCE has CHARGED off my account. This is absolutely in correct because my car was totaled out from a wreck and the insurance paid their portion off leaving me a small portion which I paid off before time. I always kept up to date with capital one on this and several representatives assured me that since I paid the balance off before time that the account would not be charged off. Well I am livid, because it made my score drop and this charge off is on my credit report. I contacted Capital one last week around XX/XX/2019 and the representative looked into it and told me he was not sure why this happened, but I would be getting something in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: EQUIFAX, INC.
State: IL
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:
Equifax is not reporting accounts accurately. I have contacted them about my XXXX XXXX credit account ending in XXXX with XXXX XXXX  & XXXX XXXX account ending XXXX also with XXXX XXXX  several times to have them added to my report & updated properly. I have contacted the company & they stated that they are sending monthly updates to Equifax but they are refusing to update the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of  Education and XXXX XXXX, my loan servicer to update the record but it has not happened.

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 2019-01-23
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 monitor my credit very closely and have been working hard to improve my credit for over a year now. On XX/XX/XXXX I received an alert from my credit monitoring service that I had a new collection on my report. I was not aware of owing any monies to anyone and had not received any calls or mail from any creditor regarding this. Upon checking I seen the debt was listed as being from XXXX for a sprint account in the amount of {$1900.00}. I recalled that this debt was previously listed on my report when I initially started working on my credit in XX/XX/XXXX by a company named XXXX. This debt was listed under a last name that does not belong to me ( XXXX ) my maiden last name is XXXX. This debt was ultimately deleted after dispute because of it being under a name that is not mines that I have never conducted business under and the company not being able to prove this account was mines. I am aware that with this debt being reinserted into my credit report I should have received written notice of reinsertion from Experian. I disputed this debt as not mines and also noted that I never received any notice of reinsertion from Experian on XX/XX/XXXX. The dispute results came back as verified on XX/XX/XXXX and the lack of reinsertion letter was not addressed by Experian. Still now on XX/XX/XXXX I have not received anything. Experian makes it very hard for you to reach them by phone regarding disputes so bringing it here was my best option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: Midwest Recovery Systems
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:
XXXX and XXXX and XXXX are reporting an account on my credit file that is not mine. I have never applied for any loans or any sort with this company. And due to this has caused my credit score to decrease and show negativity on my credit report. I know nothing about this company. However I have XXXX the company since learning of it being on my credit report and they are on a scam list. 
I have never ever applied for anything with them and would like to know how my information was provided to them to create such a scam. The company name is MIDWEST RECOVERY SYSTEMS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX This company is representing for another scam company :XXXX XXXX /XXXX I obtained all the above information from my XXXX credit report. 

The company claims that I owe {$1100.00} I OWE THEM NOTHING!!!!!! CAUSE I HAVE NEVER EVER APPLIED FOR FOR ANYTHING WITH THIS COMPANY. 
I AM PRAYING FOR RELIEF FROM THIS SCAM. 
Along with this I am also seeking legal help has well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent two certified return receipt letters the first was signed for on XX/XX/2018 that letter was a letter to negotiate payoff and I heard nothing then I sent another letter to tell them since they did not reply I want them to remove from my credit and that was signed for on XX/XX/2018, as of today XX/XX/2018 I still have not heard from them at all. They removed this same collection last year and put it back on about 8 months ago.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pulled a Credit report as a precursor to buying a home onXX/XX/2020, and found this company was reporting a medical debt on my credit report. for an amount of XXXX As I have not had any communication with this debt collector ( including but not limited to calls, Official letter etc ) I contacted them via Telephone on XX/XX/20 using the number on the credit report, only to be met with abusive Language and a demand for payment, I verbally requested them to send me proof of this alleged debt and was again verbally abused with a refusal saying they had no obligation to provide that and that I had no idea what I was talking about when stating the fair debt collection and fair credit reporting acts, and that I should just shut up and pay as its only x amount. 

At this point I hung up the phone and typed up a debt validation letter and sent it via tracked USPS with signature verification. ( tracking number : XXXX ) They have since received the letter on XX/XX/2020 and have yet to Send any communication back. They have however been calling my phone so much that I have had to block their number, I was receiving an upwards of 15 calls a day Starting at XXXX and going beyond XXXX and on sundays! 

as a debt collector myself I do know how highly illegal this is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I contacted Experian.com several weeks ago. I pay {$24.00} for a service with them. I notated when bring up my account online that my synchrony bank XXXX XXXX was missing all of its information including the history, the credit limit and balance. 

After 7 hours on the phone and being sent back and forth, they are claiming they see the information at their end, however the paper report that they sent me shows the same as I see on my account. 

They are totally rude, and do nothing other than keep blaming other departments. I need the account that I have online for this specific account to show the correct information. 

The tools available to me showing my score and usage is completely wrong due to this situation. 

Any help would be appreciated.

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 2021-03-11
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted Quicken Loans several times since my chapter XXXX bankruptcy was XXXX satisfactorily as I surrendered this house to my ex husband. I got my discharge in XX/XX/2020 and have contacted them via phone on several occasions. I have also contacted the credit bureaus and disputed the data. I am no longer financially responsible for this mortgage and my ex husband was making late payments and it is damaging my credit even further than it already is. The next step will be to contact a lawyer for assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Send letters didnt respond back

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 2019-05-16
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was offered an incentive to open a new checking account at PNC Bank! I went in to accept the offer, they declined but offered me a PNC Smart Access account! 
Despite being told by their corporate office I should have received the incentive to open a full checking account, my PNC Bank Branch repeatedly refuses, cancels repeatedly my PNC Bank Smart Access VISA, and after clearing up an error why the VISA was cancelled, I was told they would send me a replacement PNC VISA but in the meantime I could deposit checks into my PNC Smart Access account! I attempted to today and my bank branch refused to accept the deposit!

Company response to consumer: Closed with explanation