BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX  I paid XXXX XXXX for insurance to protect my belongings while renting. I asked them if they covered my belongings at a XXXX XXXX unit while I am renting. They stated that they do cover items in a storage unit while renting. One day I came to pick up my belongings from the storage unit. I found that my medical records were stolen, and all my items were damaged. I requested a refund because they did not give me a claim. XXXX XXXX issued a refund. Then they turned around and denied that I had ever paid them. However, it is not possible to get a refund without them getting paid for service first. They then denied that I had any record with their insurance at all, but if that was true they would not have kept giving anyone service without payment. I then paid them off for my sanity because I am XXXX XXXX XXXX problems due to this. I need this to come off my credit because I never owed them anything. I paid them on time every month and they issued a refund.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
When a lender runs a credit report medical collections are supposed to come up as medical data furnishing but not include any of the personal information such as social security number or original bill collector. I was XXXX XXXX XXXX  for 2 months fighting for my life in 2020 that's where these bills came from. XXXX XXXX it says that and all of my personal information. When it does that those collections have to be removed. It is illegal to disclose personal information. It's only supposed to say medical data furnishing. I can't get a mortgage or buy a car because of something that happened without my knowledge because I was XXXX XXXX XXXX fighting for my life. This is illegal and needs to be removed. I hav contacted a lawyer and this has to be removed. If it is not I will be taking further legal action

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 2023-10-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy was put on my credit file without my consent. Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with XXXX and TransUnion credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$380.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 kindly request your attention to the following matter. It is imperative that I seek the removal of the inquiries on my credit reports which are adversely affecting my credit file. I hold the sincere hope and expectation that the credit bureaus, namely XXXX, XXXX, and TransUnion, will expeditiously eliminate the listed inquiries, as outlined in the subsequent complaints : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-02-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From XX/XX/XXXX to late XXXX several unknown people took money out of my account in the form of paying their bills. I contacted Wells Fargo on XXXX to notify them of these fraudulent transactions, which were over 300 and totaled over {$35000.00}. I changed my online password and closed my account and reopened a new one. Within a few days after this more fraud was detected on my new account. They had told me originally to keep my existing debit card and that a new card was not needed. Within a week they issued a credit of XXXX. I called back on XXXX the they told me that the balance of the claim was denied because the transactions exceeded the 60 day time period to submit a claim. The transactions they credited me for were from the same person they were denying the claims for. The fraud continued and I had to call back a third time to report the transactions. They credited me for those. At this point I had them issue a new debit card. This did not make me feel very confident that they would stop these from coming thru. They told me that my account was on high alert. Not true, if they kept coming thru. I decided to move all my money into a savings account that belongs to my daughter to protect myself from these people taking money out. They told me to contact the payees individually to report the fraud, but I am not sure if that will work. 
All of the transactions that are highlighted on my attached statements are the ones they will not credit me for.

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 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I did not open a credit card from Bank of America from XXXX to XXXX. The account # is XXXX on my credit 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 2023-11-29
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank has repeatedly called me from over 200 different phone numbers. They will threaten me in voicemails, they will call 10+ times a day and I asked them to stop. Ive resorted to blocking all phone numbers but they change it and call 10 more times. They even XXXX searched me and started harassing estranged family members or people I havent talked to in 20+ years. Its non stop harassment. 
Ive attached proof of all the phone numbers and times they call daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report and I was shocked to learn that these accounts on my credit report were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT AUTO LOAN HAD BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS AUTO LOAN UNDER MY NAME. THIS IS A FRAUDULENT AUTO LOAN. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. BUT XXXX, XXXX, AND XXXX CREDIT REPORTING AGENCIES REFUSED TO BLOCK AND DELETE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPROT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX I login into my credit profile & saw inquiries on my credit report that shouldn't be there. I never authorized those transactions someone has stolen my identity. Credit bureaus Including XXXX & transunion. I need these inquiries to be removed immediately thanks. 
These are the transunion inquiries XXXX XXXX XXXX XXXX : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute and request the removal of inaccurate information from my credit report, as maintained by TransUnion. On XX/XX/XXXX, I initially contacted TransUnion regarding the following erroneous entries on my credit report. Despite the considerable time that has passed, TransUnion has not provided any response. I am providing the details of the incorrect information and the necessary corrections below : Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3800.00} Please remove this account from my credit report. 

Account : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Please remove this account from my credit report. 

Account : USDOEXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$30000.00} Please remove this account from my credit 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: MOHELA
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2023, my federal student loans were forgiven as part of the Public Service Loan Forgiveness Program. I received the official later the next month ( dated XX/XX/2023 ). The student loans continued to show on my credit report. In XX/XX/2023, I filed disputes with the credit bureaus which were closed when Mohela incorrectly reported that my loans still maintained a balance. I emailed Mohela and recieved no response. I think called Mohela and was told the credit reporting process had started in XX/XX/XXXX, but could take up to 90 days ( I was given a day in early XX/XX/XXXX as when the process should be complete ). I then recieved a response email ( after the date I was given over the phone ) stating that credit reporting could take 60-90 days. I responded that it had been over 90 days, but received no response. On XX/XX/23, I called Mohela. After providing the above information, I was transferred to the resolution center. I've currently been on hold waiting for someone to answer for 108 minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I withdrew a {$5000.00} check from my Federal Credit Union and personally deposited it into my KeyBank checking account at the KeyBank XXXX, New York branch at XXXX am. I received a deposit slip ( XX/XX/2023 - XXXXXXXX XXXX  - CC # XXXX - Teller : XXXX - XXXX # XXXX ) showing that I had an available balance of {$9700.00}. I already had {$4700.00} in my account + {$5000.00} = {$9700.00}. 

At XXXX XXXX I received an email from KeyBank saying that a hold was being placed on my deposit due to " reasonable cause to doubt collectability '' ( from a FEDERAL CREDIT UNION ). 

Unbeknownst to me, not only did the XXXX branch place a hold of {$5000.00} but the " back office, '' so it was explained to me in my fifth call to KeyBank, also placed an additional hold of {$5000.00}, thus placing a {$10000.00} hold on my account and depriving me of access to the {$4700.00} that was there to begin with. 

I tried to correct this bank error on XX/XX/2023 and received helpful assistance from a XXXX branch Personal Banker named XXXX, who tried to get the hold lifted. I also called the credit union and that employee also spoke with XXXX. 

On XX/XX/2023, I looked at my bank statement online and found that I was being charged a {$20.00} overdraft fee for payment of a {$30.00} check. I called the branch office and was rudely attended by the woman who answered the telephone, who eventually forwarded my concern to the branch manager, XXXX XXXX. XXXX XXXX explained that the overdraft fee was due to insufficient funds in my account, but finally agreed to waive the {$20.00} overdraft fee. 

Then, I received another email from KeyBank telling me that my account had insufficient funds. When I again called the KeyBank XXXX number, I was able to talk with a woman named XXXX who discovered that not only had the branch placed a {$5000.00} hold on my account but that the " back office '' had placed an additional {$5000.00} hold on my account, depriving me of access to the {$4700.00} that was in my account to begin with and making it look like I was overdrawn. 

This was TERRIBLE, TERRIBLE, TERRIBLE SERVICE from KeyBank!!!

Company response to consumer: In progress
Consumer complaint received 2023-09-27
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I co-signed a loan for my sister for her student loan. These last two months she became behind and I wasnt notified once about this situation. I didnt receive a statement, a phone call or an email claiming this account was past due. I also called mountain America about two weeks ago and was told I have no rights to this account and Im not allowed any information. The only thing they would do is take a payment. But I wasnt able to get an amount due or when its due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Moving family including selling existing home and buying new home. XX/XX/XXXX called USAA to get information before opening an account, and explained I would be selling my existing home and buying a new home. USAA said the account would be fully available without limits once opened. After confirmation, we opened account and on XX/XX/XXXX wired assets from home sale into account. On XX/XX/XXXX, we attempted to wire money to purchase new home and was informed there was a 30-day hold on new accounts and they could not wire to title company. After escalation, USAA stated they would waive the policy, took the transfer information and stated the wire would be sent that day or first thing on XX/XX/XXXX. XX/XX/XXXX, day of closing, wire never went through. There was no notification or alert or transaction log. Called USAA and they said the wire was cancelled due to the 30 day hold on account. USAA states they can not wire the money, and according to their deposit agreement, maintains sole discretion of allowing or disallowing any transfers services. Without physical locations, I could not access my assets within my account. They also explained they would not electronically transfer money nor issue a certified cashiers or tellers check. There is no written documentation within USAA website or deposit agreement that describes a 30 day aging period on new accounts for transfer services. They just reserve the right to disallow you from using those services for whatever reason they believe is just.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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