BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-11
Company: Key 2 Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went To XXXX XXXX XXXX XXXX and injured my XXXX and could no longer work. Over the past years Ive made attempts at contacting the companies to try and resolve the debt but could never afford what they ask of me. Theyve always wanted hundreds and hundreds a month!!! I can not afford that! Recently I contacted the most recent company the Key 2 recovery company last year to try to make amends yet again and as I talked To them I told them that I didnt make enough money to make the payments they were requiring of me and I asked repeatedly for lower monthly payments and they refused and said it would affect my credit. I said I couldnt pay anything more and they said they couldnt take any less than all of it. I can not afford {$6100.00}! Its been 10 years! Its on my credit and has been affecting me! 

XX/XX/XXXX Key 2 recovery XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX There is also another company that is attached to it that is older XXXX XXXX and XXXX Since XX/XX/XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX According to my credit report I owe XXXX to them for the same bill! 

How is it 2 companies can claim that I owe them for the same bill? And report it on my credit monthly as owing {$13000.00}!?? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: OLD NATIONAL BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My father had a checking account at Old National Bank. He passed away unexpectedly on XX/XX/2019. The bank was aware of his death on or around XX/XX/2019. On XX/XX/2019 I went to the Branch location in XXXX, MN and spoke with a senior branch employee and requested the account be frozen immediately and that no transcation be processed on the account. My dad was receiving social security and a pension from XXXX. The payments for XXXX were going to be deposited but would be clawed back due to the date of death and timing of when automatic payments are deposited into the account. I told the bank that money was not be used and would need to be returned. I was called the following day and assured the account was placed on hold and no transactions would be processed. On XX/XX/2019 and XX/XX/2019 the bank took the funds from the checking account and applied to ( 1 ) an unsecured LOC at the Old National and ( 2 ) a mortgage and LOC at Old National Bank secured with my father 's home. Their are now insufficent funds in the account to repay the MSRS and I am being asked to repay this money. The banks actions were very deceptive and caused me and my Dad 's estate significant harm. Had they told me they would process payments to themselves, I would have immediatly opened a probate and taken possession of the assets. I relied on their statements to my detriment and now being asked to payback funds that were not my Dad 's and I do not beleive the bank had a right to take. There are priority debts that need to be paid out of the estate. These mortgages although still due are not priority. In addition, there is a co-borrower on the loans who is still responsible to pay the debt. The bank did not attempt to collect from the co-borrower before taking funds out the bank account that is now property of his estate. I have asked the bank to reverse these transactions and they refuse. In addition, to these transactions they also processsed other ACH payments out of the account after the bank was notified of his death and I was assured the account was frozen. I feel as though the bank acted for their benefit while being Unfair and Deceptive. I relied on their assurance and have been harmed both financially and emotionally due to the stress and circumstances of this situation. I took every action I could up front to avoid this from happening and the bank did not honor my requests in order to exploit my deceased father 's bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX is falsifying information to still report on my account. The first delinquency from XXXX was in XX/XX/XXXX. I have credit reports from XXXX supporting my claim. I was unemployed all of XXXX and returned to work in the summer of XXXX at a job paying half of what I made in XXXX. As a result, XXXX 's claim that I caught up in XXXX is FALSE. Therefore, they should be made to prove that I caught up with my past due balance in XXXX by submitting other evidence payments. 

To further illustrate their deception, I spoke with a XXXX executive who refused to review the evidence I provided, only to reply with, " our records are correct. '' It is unjust that XXXX is allowed to report misinformation for their own benefit without providing substantial proof that their financial records are true.

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 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My XXXX Account for was included in my bankruptcy. They state that my bankruptcy was not discharged nor open which is false. It was discharged on XX/XX/16. Furthermore, they insist to keep the account open and reporting my ALLEGED DEBT as a charge off for several months, a little over a year, even though my account had been closed previously on my Transunion report. I've reached out to them on several occasions to no avail and they are negatively affecting my Transunion 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 explanation
Consumer complaint received 2021-03-24
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of identity theft. The criminals established a " KeyBank Hassle-Free Account '' at KeyBank in my name on or about XX/XX/2021. At the same time, they fraudulently applied for unemployment benefits in New York State and KeyBank, under the New York unemployment benefits program, also issued me a " Key2Benefits '' mastercard debit card. I never applied to open either account with KeyBank. On XX/XX/2021, I called the KeyBank Fraud department to report these frauds at XXXX XXXX  EST. The fraud reference number given to me is XXXX. I also reported the fraud to the New York State Department of Labor with respect to the unemployment fraud piece of this. KeyBank Fraud team claimed to be initiating an investigation and promised to ensure that these accounts were promptly frozen and/or permanently closed. A month later, as of XX/XX/2021, I have not received confirmation that the fraud investigation has been completed or that these accounts were closed. In fact, I received a second account statement for the KeyBank Hassle-Free Account for the period XX/XX/XXXX XXXX XXXX. While there has apparently been no activity on this account, I would like written confirmation that KeyBank conducted the requested fraud investigation and closed these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: WLCC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I was approved for a loan in the amount of {$700.00} from XXXX  XXXX XXXX dba XXXX XXXX XXXX. The loan payment is extraordinarily high ( 713.74 % ) but I was desperate for funds. I have made payments of {$100.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and then {$130.00} on XX/XX/XXXX, {$120.00} on XXXX and {$120.00} on XX/XX/XXXX. 

I have discovered that this company is not legal in CT therefore I should not be paying these fees. I have overpaid them {$510.00} and refuse to pay them anymore. 

I want to warn others from getting involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Southwest Recovery Services, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently had noticed that a collection agency had placed a negative report on my credit report with XXXX. I have disputed the validity of their claim as I did not open an account with this company, XXXX XXXX XXXX XXXX. After disputing this claim with both XXXX and the collection agency for XXXX XXXX XXXX XXXX, I was informed by Southwest Recovery Services that they knew the date they reported to XXXX was incorrect and they also informed me that their client had purchased the account from a pay day loan operation and re-aged it to XXXX. The original date on this account was XXXX XXXX but changed the date in order to place it upon my credit file. This company did not even have a correct name or address for me and was using an old name and address to report this file. If I am reading the Fair Credit Reporting Act correctly offering a fraudulent date to place this on my credit is against the law. This company states that I owe XXXX but has not produced any proof or even a bill to me in regards to this, and I do not remember getting a loan from them on XXXX. From what I understand there is no paperwork they can send me as proof. I hope that you can help me to resolve this issue. Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-09-10
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
I have consolidated all of my student loans, however I have old student loans that are reporting negatively on my credit report. These loans in question are between 10 to 13 years old, and double reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Midwest Recovery Systems
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 belongs to someone else

Complaint:
hippa and cra violation of my rights Collections Midwest Recovery Systems not mine sent police report no knowledge of account police report was sent to XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to sign up for Equifax 's TrustedID Premier service using the link provided via their email. The link repeatedly and consistently redirects to a " system unavailable '' message instead : https : //trustedidpremier.com/consumer-registration/html/system-error.html I 've called Equifax at XXXX and was instructed to " keep trying to enroll '' at different times of the day, before going to bed or early in the morning. I was also advised this website is the ONLY WAY to sign up for the service. I was not offered an offline or manual way to enroll into Equifax 's TrustedID Premier service. 

First, Equifax collects and profits from my credit information. Second, Equifax fails to protect my personally identifiable information. Finally Equifax offers one year free identity protection service as mea culpa but I CAN NOT SIGN UP FOR THE FREE SERVICE. This is not acceptable and no one is being held accountable for the massive failures and errors here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.

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 2018-01-17
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I CHECKED MY CREDIT REPORT WITH XXXX XXXX XXXX XXXX. IT HAD AN UNKNOWN COLLECTION REPORTING FOR {$79.00} FROM A COMPANY CALLED XXXX XXXX XXXX. I CALLED THE COMPANY ASKING ABOUT THIS UNKNOWN COLLECTION ON MY ACCOUNT AND THE REPRESENTATIVE TOLD ME THEY DO NOT HAVE A COLLECTION UNDER MY NAME OR SSN. I ASKED THE REPRESENTATIVE TO SEND ME SOMETHING TO SEND TO THE CREDIT AGENCIES AND HE REFUSED. THIS ITEM DOES NOT BELONG TO ME AND IS HURTING MY CREDIT. PLEASE HELP ME IN REMOVING THE ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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've been writing the credit bureaus since XXXX of XXXX and nothing has been done about these inaccurate inconsistent accounts. Why will they not follow the law? I am a consumer and should be protected from these monsters.

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 2017-10-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
EXPERIAN SCAM:  Experian is advertising on TV to visit Experian.com/scan to get a FREE deep web report to see if customers have been compromised after their data breach. I researched to ensure it was actually the Experian web site and confirmed it was Experian.

I accessed the site, entered my email address and clicked Scan.
In less than 1 minute I received an email from Experian (Experian ) stating that I had indeed been breached.

Copied email below:

We've scanned the Dark Web for your email address. This is what we've found. 
You and your information are at risk if your email address is compromised. This scan of the Dark Web will show compromised instances of your email address, which may put your identity at risk.

	View your report
XXXX 
	Report expires in 10 days

I tried to paste a screenshot of the results but this textbox will not allow the paste. 

The scan produced no useful information. Experian is trying to sell a service ($XXXX per month) for credit monitoring.  It was a sales pitch to make money off of the millions of people exposed due to their incompetency.
 
I am outraged that my personal information has been breached by Experian, the XXXX, XXXX and the list goes on. Cyber-security is not a new concept. The DoD, NIST (https://nvd.nist.gov/800-53/Rev4), and other technology standards groups, have created and published security controls in detail on multiple government web sites. There is no excuse for any company or government agency failing to protect the most private information of the people they serve.

Please take action to address the Experian issue and forward my complaint, the information I provided in the Action Requested section, and the screenshot, if needed, to any other agencies you feel could further address my complaints in general.

Thank you,
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 2018-01-11
Company: Midwest Recovery Systems
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Previously filed a complaint and requested a debt validation- it has been 30 days and the company has yet to be able to validate the debt.

Per 809. Validation of debts ( 15 USC 1692g ) the company is in violation. Please delete from all 3 credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been trying to update my bank account information with Money Lion for over two months now. I was told that I can not update my bank with plaid because it is not supported just yesterday XX/XX/2021. I was also told by XXXX XXXX that a supervisor would call me back regarding the credit reporting for XXXX and no one has reached out to me. Money Lion reported me 30 days late and havent helped me with trying to add my bank manually and now its on me to contact them so a payment can be made instead of fixing my issue. This is ridiculous! This is clearly a issue on their end and no one is taking accountability for their mishaps.

Company response to consumer: Closed with non-monetary relief