BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
As detailed in CFPB complaint reference XXXX, that I filed on XX/XX/2020 ( for which I still have not received a company response ) I continue to receive servicing emails from KeyBank. As these are servicing emails, I do not have the option of opting out of these unwanted emails. I no longer have an account with KeyBank and do not wish to continue to receive unwanted emails from the bank, due to their unfair, deceptive, and abusive acts and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Ocwen Financial Corporation
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX filed judgment XXXX against us even though we had already filed Chapter XXXX and loan was discharged XX/XX/XXXX by XXXX XXXX XXXX United States Bankruptcy Judge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Coastline Financial Resources, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A company named XXXX is calling my home, my cell phone and the home of my in laws stating that they have papers to serve me and that they will be arriving at my home or places of work to serve them to me for a debt I owe. I am XXXX years old and do not work. My daughter called them and they told her it was a XXXX XXXX account opened in 2000. I have never had a XXXX XXXX account. My daughter also checked my credit and there is no record of a XXXX XXXX account. They continue to call all of us even though we have asked them to stop.

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 2016-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My dispute with Transunion is improper credit information. I settled an account with a lender for less than the original amount. The account is closed and paid in full. However Transunion has XXXX account in collection. the account was paid there is no collection. I believe it should say, account closed settlement for less than the original amount. That was the banks decision to settle with me. When a bank settles that is essentially a new contract. The credit reporting agency should not have the right to list an account as in collection if the bank settles on a different amount and the account is closed. I believe all accounts that are settled for the less than the full amount should not be a negative thing for a consumer. If the consumer in good faith paid what he could and the bank agreed on a new term to close then its closed. These types of settlements should not remain on a credit report as collections of negative for seven years.

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 2017-04-04
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection with ad astra which I paid in full, with them I asked if I pay in full will you remove the debt from all XXXX credit reports, the representative said she has approval from her supervisor to do so. One month later the collection is still showing on my credit report, so I called back and asked again to have the collection removed since I had been promised they will. The young lady on the phone they and give it thirty days. That last call was three months ago and the collection is still reporting on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had XXXX accounts ( XXXX for credit cards, XXXX and XXXX ) and XXXX for student loan from XXXX. I suspected those accounts were fraudulent since it was not authorized by me. 
Based on a dispute lodged by me thru XXXX on XX/XX/XXXX, these XXXX accounts were deleted from my credit score which resulted in a drastic reduction in my score. 
After lodging the complain, I realized that those accounts were opened by my son who happens to have same last name as mine. He was trying to build some credit for himself. 
In view of the fact that deletion of these accounts have reduced my score considerably, I am requesting Transunion to re-instate those accounts as before so that my previous credit score can be restored. It will help me a lot since I am planning to buy a car this month. 
Your kind cooperation and prompt action in this matter will be highly appreciated. 
Regards, XXXX XXXX SSN ending with 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 2016-10-13
Company: Partners Financial Services Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being harassed regularly concerning a debt that is not mines neither did I authorize the responsible party to use any of my information to acquire this debt. I have written several letters to the comapny and have even talked to them letting them know the responsible party is not myself but my son who took out the loan and attempted to use me to get the loan for the alleged purpose of trying to go to some XXXX school. Because they can not reach my son and he attached me to his information they are attempting to come after me and to have me pay for something that is not mines nor did I authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Two years ago I received multiple notifications that my information was exposed in several mass data breaches such as the XXXX data breach and XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone. This has made my life very difficult by this identity theft.

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 2017-11-20
Company: Residential Credit Solutions, Inc.
State: IN
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:
ON XXXX/2016 I GOT LETTER FROM RCS STATING THAT THEY ARE REPORTING TO ALL BUREAUS, WHEN IN FACT ARE NOT REPORTING TO XXXX, THUS VIOLATING THE F.C.R.A. AND THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

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 2016-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed an Item from the City of XXXX utility bill which states after the investigation that it is still vailid an has a date of XX/XX/XXXX which I vacted this property in XX/XX/XXXX and it was sold in XX/XX/XXXX yet 3 years later they say this bill was delinquent. I am sure I paid this bill but can not find my reciept but it is definitely older than 7 years old and I feel this is because of my XXXX name that XXXX is refusing to release this debt. this is why Im making a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Orion Portfolio Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account on my credit report from XXXX that is not my debt. I contacted the local police department, made a report on XXXX, and I am providing copies of my bank statements of the address I was living at the time. I do not have a copy of a lease agreement, insurance, etc from 2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This bank treats me horible its a disgrace how awful Ive been treated I have proof I will report them to government agencys they like to play games with me and treat me horible this is a lady called XXXX XXXX which was nice when I explained to her everything but then she kept extending the time and everyone refuses to tell me whats going on the brAnch blames XXXX throw me away and tell me to come back when its all clean red I got my report from them and nothing shows negative but then I fax it over to this lady and she told me friday she will have a response now I wait 2 weeks and I called yesterday Monday XXXX and she changed says I cant bank with them and they decided not to do business this is so unfair and discriminatory after having me waiting and cooperating with them they decide to throw me out! I hate them this bank must be investigated they have a problem with me and I did nothing to them for them to treat me this way instead of opening me an account they refuse and treat me horible over the phone bank level and branch level

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 2017-11-20
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: Information belongs to someone else

Complaint:
I received a credit report attributed to me ( my credit report ) from Transunion and XXXX. The gross errors are alarming together with the facts that I am falsely accused of an address I never had ; a bank account at a bank I never had an account ; a spouse listed which I never had ; a middle initial I never had ; a similar name to mine which belongs to someone else and has the same middle initial but a different middle name ; and the list goes on. It keeps listing a student loan outstanding. I never, ever even had a student loan or used one. And the list goes on.

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 2017-08-15
Company: CITIBANK, N.A.
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:
I have been with Citi for a long time and overall it 's been a great bank. Very good in most occasions. But I 've had some issues with fraud over the last year, particularly with people getting access to my credit report to open accounts without my authorization. I 've had some of the fraudulent inquiries removed from my reports but not all.
There are XXXX inquiries - on X/X/16 and X/X/16 - which I do not recognize and for which no corresponding account was opened by me. It 's not as huge a deal as opening a fraud account or letting someone use my accounts ( XXXX, XXXX XXXX ), but it hurts my credit score to have lots of inquiries that do n't belong to me and were not authorized.
I 'd like to have them 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 explanation
Consumer complaint received 2016-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion ALLOWED XXXX to do a HARD PULL on my credit. See proof that their " collections '' was removed from my credit. AND yet they allow a HARD PULL!!

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 2021-09-30
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I received email notification about a new ChimeXXXX account opened in my name that I did not apply for. I later received a ChimeXXXX debit XXXX card in the mail at my address that I did not request. The account and associated card were fraudulently opened using my identification. 

I contacted Chime by phone and by email. After a days-long series of communications with Chime support and after supplying information they requested, Chime said they would close the account. 

I also contacted them by mail asking for the card to be cancelled and related accounts closed. I specifically asked to be notified in writing, preferably by paper mail, once the above actions had been completed. I never received any written confirmation by mail from Chime. 

I further requested whatever additional information they could provide on the identity or location of the person ( s ) responsible for the fraud so that I could include this in the report I filed with my local PD. I never received any additional information. 

I reported this fraud incident on the FTC 's XXXX site. To the best of my knowledge, no action was taken by the FTC based on my report. 

Because the card I received was issued by XXXX XXXX XXXX, I also reported the fraud incident to the FDIC. Banks are required by law under the Bank Secrecy Act and USA Patriot Act to have a customer identification policy which ensures that they verify the identity of prospective customers before opening accounts. That clearly had not been done in my case. XXXX did reply to my FDIC complaint. However, it was clear from XXXX response that they are entirely reliant on Chime for account management and customer identity verification. So I am refiling my complaint with the CFPB in hopes that they are the right agency to provide oversight. To the best of my knowledge, no action was taken by the FDIC against either XXXX XXXX XXXX or Chime Financial Inc. for apparent violations of the BSA and USAPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts that need to be removed immediately.

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 2021-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX XXXX and Experian will not allow me to access my free annual  credit  report. Also XXXX is reporting the wrong balance on the report I was able to access from 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 2015-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax reported back to me that the inquiries were verified. I have XXXX inquiries from XXXX ( XX/XX/XXXX and XX/XX/XXXX ) in which I did not give permission neither time. The XXXX time in XXXX, they " assured '' me that it was only an internal check to see if I would pay a deposit and that It would not even hit my credit report ( not even as a soft pull. ) Well, it did and the XXXX in XXXX is totally bogus, I did not give them permission to pull at all ; did n't even have a discussion with them about my credit since XXXX when I signed up for service. I have checked some forums to find that this is an epidemic with comcast which is why I am a part of the class action suit that is now against them for this very reason. XXXX XXXX, which has pulled my report under the name XXXX, also told me ( in their XXXX XXXX location in XXXX, TX ) that the pull would be " internal '' and would not hit my credit report because, as stated by the rep, they provide in house financing and would only be checking to see how much i would qualify for and that it was not an application for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Was not able to get my annual free credit report on-line from XXXX, because the identifying questions did n't have anything to do with me. I did not live in any of the listed counties, or have any of the listed phone numbers. I believe the XXXX of the XXXX agencies that stopped the process was TransUnion, but I 'm not certain. Evidently someone has wrong information associated with my name and SS #. How can I get it corrected? Thank you.

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 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2020, I mailed a letter to Experian about inaccurate accounts that they had listed on my credit report. They were asked to verify the account as required by the FCRA. However, it has been three months and I have not received a response and I know this is past the time allowed by 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 2015-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX XXXX, and Equifax. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX

Company response to consumer: Closed with explanation