BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
On XX/XX/2020 I pulled my report again and noticed that XXXX XXXX is still reporting on my credit. I have sent multiple disputes in showing why this account isnt mine. Yet they are still reporting on my 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 2022-08-30
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In Accordance with the Requirements of the FCRA Section 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of Previously Deleted Material ( ii ) Notice to Consumer. If any information that has been deleted from a Consumer 's file Pursuant to Subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion. i was never giving anything in writing within 5 days.

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 2020-06-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters out certified over 35 days and have been notified. I feel like these guys are taking advantage of regular people. After recently reviewing my credit report I noticed several inconsistencies regarding the accounts information attached. I sent a second letter to the Equifax after 30 days because I haven't received and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: KEYCORP
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I obtained a home equity loan from KeyBank that closed on XX/XX/2022. When I applied for the mortgage, I was given an interest rate of 5.02 %, but the loan officer offered me a 0.25 % discount if I opened a savings account and a checking account with KeyBank. I opened the accounts and the interest rate was lowered to 4.77 %, which was reflected on the closing disclosure and the final paperwork signed at closing. 

On XX/XX/2022, I went to KeyBank 's XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) and asked to close the savings and checking accounts since I did not need them. The KeyBank employee I met with, XXXX XXXX XXXX, told me that if I closed the accounts, the interest rate on my loan would increase to 5.02 %. I informed her that the 4.77 % interest rate was listed on the closing disclosures as one of the items that could not change after closing. I'd had my closing appointment with XXXX XXXX the previous month so it seemed impossible that she could not know that the interest rate couldn't be increased. 

She told me that the loan hadn't had its final review yet and that KeyBank could still change the interest rate if they saw that the accounts were closed when this review was done. 

I reiterated that the interest rate could not be changed after closing according to federal law and said that she was threatening me with an illegal action against my home equity loan for attempting to close the savings and checking accounts. The person XXXX XXXX identified as the branch manager or acting branch manager witnessed this and did not intervene when an employee was openly claiming KeyBank was going to violate federal law by increasing my interest rate after closing. 

I left without closing the savings and checking accounts. I eventually closed the accounts and the loan 's interest rate was not increased. I attempted to escalate this issue within KeyBank but never managed to speak to anyone who took the matter seriously or provided the impression this would not happen to other KeyBank mortgage customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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 am trying to rent at apartment so today XXXX/XXXX/2020 I applied at XXXX  XXXX  XXXX and when my credit report came back I was told that I did not qualify to rent there due to an accounts reflecting badly on my credit. The account of from XXXX XXXX # XXXX {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using my personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/XXXX I received a letter from XXXX XXXX with XXXX XXXX stating they were the current creditor for a debt that was not owed by myself. I sent out a letter requesting verification and proof of the debt immediately and received no response from the company. My letter was sent certified and I have proof it was delivered. XX/XX/XXXX I received a voicemail stating it was about a judgement being put against me. I called back and they stated they were taking me to court and going to add the judgement to my credit report. The person on the phone said they have a photo ID tied to this, not sure how that is even possible, and read my FULL social security number to me over the phone. I told them they could send whatever paperwork they need to me as I will be disputing it as I had when I initially received the paperwork and did not get a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Thinking to close this account because I want to pay off the balance which is about {$100.00} but the company is holding back some of the charges making me have to pay in small amounts instead of the entire balance. There was a recent lump charge of {$100.00} made but the charge is showing up partial so I can't pay the whole lump off in one payment. I looked for info on their site on how to close account and it said : Sign in to your account, select More Account Services and follow the directions under Close Account. 

But there us NO 'More Account Services ' link in my account. There is NO email option in my account to contact them that way either. I keep getting error messages when trying to submit feedback to their help page. I am busy and don't have time to wait on the phone to close this account when I'm ready. I need an online or email option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am a XXXX XXXX customer at Bank of America 13+ years customer. 

Today BofA slapped me with a XXXX hold and told me that my account is being closed. BofA requires you to have XXXX deposit with them in order to maintain the status - and I was transferring my money from various bank account I have into BofA so that I can maintain my status. I suspect this abnormal high amount of transfers triggered their system and I was told that they are closing my account. 

I have no issue with BofA closing my account except they locked up all my savings in the account. The amount is a bit more than XXXX. They have refused to let me withdraw the money and they said they have submitted a request to " re-open '' my account so I can pick it up at a local branch. 

I am going out of country, and I need access to the money. Because that I was pooling all my money to maintain the status, now I might default on various payments unless I get access to the money. 

This practice isn't right - at least BofA should give access to my own money.

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 2021-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One Platinum credit card. I accidentally paid my account in full XX/XX/XXXX, through the app as i was sleepy. I thought i caught it in time, cancelled it, then paid what i intended to pay. A couple days later XX/XX/XXXX, I realized what had happened and as it was Sunday, I tried to call Capital and my bank to get it resolved as I had paid many bills that day and they would all bounce as I had wiped out my checking account with the payment error- It was a little over {$9000.00}! They said, too bad, the money already left, Capital said - will send check in mail and it will take 3 weeks. I said i'm desperate - I need that money sooner. Capital said OK, we will send it electronically. It will take 10 days instead. I agreed. After 10 days I called Capital as the money was not in my checking account. Capital said - Oh, we can't send it electronic, we sent you a check. I asked why nobody called me to tell me that the plan had changed. Capital said- we don't have that function. OK, fine. I wait the three weeks and there is no check. I call Capital XX/XX/XXXX? not sure of this date, and said, it's been 6 weeks now and I don't have a check and you are charging me interest on money that you have control over. I asked them to stop payment on the check and just put the money back in to my Capital account. Capital said, we can do that. It will take 4 days for the cancel check and then a few to get the money back in to your account. XXXX ( would not give last name ) said I promise you I will follow up with you on XX/XX/XXXX. She never called. I called Capital XX/XX/XXXX, and asked the status and XXXX states that another check was issued XX/XX/XXXX and is in the mail. I said that was not the plan and nobody told me the plan changed. I told her I did not want to wait another 3 weeks for my money. She asked if I wanted to stop payment on that check and have her debit my account. I said that was the plan last week and the plan changed and why is it going to be different this week? She did not have an answer for me. I told her that it has now been 7 weeks since I have tried to get back $ XXXX dollars and that I've been lied to now on numerous occasions. She told me all she can do is stop payment and credit my account and it would take 4 days plus a few, just like XXXX had said. I told her that I had no confidence that this would happen as XXXX had told me the same thing and to add to it, never called when she said she would. XXXX stated she would call me on XX/XX/XXXX. I have no other recourse to get my money back so I am reporting them for delay in processing and lying to me about what was happening with me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2022-08-30
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:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These Inquiries resulted from the theft of my identity therefore, these inquiries must be removed from my XXXX XXXX. Thank you and I am expecting an immediate action with regards to the continuous issue that I am raising.

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 2017-06-15
Company: Diversified Consultants, Inc.
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have just found on my credit report that I have a collections attempt from Company DIVERSIFIED CONSULTANT Payment Status Collections Status Date  XXXX / XXXX / XXXX  Balance {$830.00} Balance Date N/A Address  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  As you will see in my previous complaints datin g back 2 1/2  years :  XXXX   XXXX   XXXX   XXXX   XXXX  contacted me in  XXXX ,  XXXX  about  a   XXXX   XXXX   XXXX  bill for {$830.00}. I paid them on their web site on  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX    XXXX  FL  XXXX  with a card ending in  XXXX  for {$820.00}.     Clearly  XXXX   XXXX  DID NOT inform  XXXX   XXXX   XXXX  that the bill was paid as an entirely new credit reporting agency has taken up this collections notice.     I can not express enough my distain for  XXXX   XXXX  and their totally corrupt and on-going business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
This is ridiculous! The Credit Bureaus still have not complied to my requests to remove the dispute fraudulent items completely from my Credit report despite all the letters and CFPB complaints I have been submitting to them! The Credit reporting Agencies are required to remove any account and information that resulted due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus do not seem to care about the said Federal Statute. The Credit Bureaus have willfully neglected their duty with the FCRA and chose to do nothing about the fraudulent items on my Credit Report. The Credit Bureaus continued reporting the disputed items without providing me copies of documents to serve as proof of verification, which is a violation under the FCRA and is punishable by law. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report, and if the Credit Bureaus do not comply with the request, please understand I will initiate legal countermeasures : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$850.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Owed : {$340.00} XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent my letters haven't got a response I will like all errors to be removed

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX keeps reporting that I had an auto Loan with them I do not. I every time I dispute it with the credit bureau it comes back as verified and they will change the amount and they type of loan.I have requested the loan documentation numerous times over last XXXX years and they have failed to respond. I repeatedly told them that I didnt request and auto loan and that I want the loan documents so that I can file a report but they have not responded. I bought a car XXXX XXXX of XXXXXXXX XXXX On XX/XX/2015 it was a buy here pay here lot XXXX XXXX was supposed to be a payment processor. I never agreed to any third party financing nor did I authorize any one to enter into a loan agreement on my behalf.

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 2017-06-15
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: Personal information incorrect

Complaint:
Equifax is reporting incorrect personal info on my credit report which includes : Incorrect names, incorrect and ou  tdated addresses, and incorrect employment info.
FYI There is no apartment " A '' at my address. Should remove incorrect employer information.
I 'm retired.
I have contacted Equifax and cfpb about this complaint subsequently equifax sent me a copy of my credit report with my personal information omitted (? ) so I was unable to confirm any updates.
Through a third   party I was able to view my equifax credit report and found out equifax is still reporting false and/or really old personal information.

Company response to consumer: Closed with explanation