BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: KEYCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I made an inquiry about any closure fees of my Key Bank Checking account on XX/XX/XXXX. I asked more than 3 times and was not given any straight answers. Sure enough when I get the check there was a fee. I called on XX/XX/XXXX asking about the fee and they said they will pull the call from XXXX to review it. On XX/XX/XXXX a manager called me back to apologize that the fee was erroneously charged and will mail me a check. Today XX/XX/XXXX the check is still not here. I spent another 30minutes with their INCOMPETENT customer service agents and said they will follow up tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: WESTERN UNION COMPANY, THE
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XXXX XXXX 2017, I attempted to send {$60.00} USD to a friend via Western Union. The fee for " in minutes '' availability is {$13.00} for this sum. When going through the process to send money, the questions asked about the receiver are : First Name, Last Name, Phone Number ( optional ), and State. " State '' is not listed with any context, so it could be " State where recipient has a government-issued ID from '', or " State where receiver is a resident '' or " State where money is to be received ''. At the bottom of the screen are the disclaimers, which update as you make transfer choices to show relevant information. One such disclaimer is " 6 Your Receiver can pick up your money transfer at any of our Agent Locations in United States ''. However this turns out not to be the case, as the ambiguous " State '' field is in fact " State where money is to be received. I phoned WU to have the State of my order updated. They were able to do this without issue. My receiver went to an agent location in the now-correct state, and was asked for a phone number. This was an optional field when sending, so I did n't fill it out. The WU representative told my receiver that this was the only way to look up the order. So I called WU again. They told me that they did n't in fact need receiver 's number, that receiver could simply provide the number and this would resolve the issue. This did not work. WU then told me to have my receiver call WU and have them speak with the local agent. This did not resolve the issue. My receiver had to go to another WU location where money was furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I have many inquiries that were checked in XXXX and XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.

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 2022-06-17
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 instantly called Experian the moment I received the copy of my report that I purchased with XXXX XX/XX/2022 and from the time when I saw some UNVERIFIABLE items on my personal profile, I discovered that there were CHARGE OFF and COLLECTION accounts 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 on my credit report and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act XXXX XXXX ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security NumbeXXXX are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.

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 2017-09-11
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a recent victim of Hurricane XXXX, and this trade is negatively impacting me from getting the assistance that I need. My loan status is current as of this date and I need it to reflect that on my CRAs. I can not wait until the end of the month. This is a time sensitive matter. Also, the 60 day late marker needs to be removed. With my recent account maintenance, I am no longer reflecting alte for XXXX and XXXX. Please have this updated on all CRAs immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I went out for lunch with my colleague at XXXX pm sharp from our office located at XXXX XXXX XXXX NY XXXX to the restaurant XXXX XXXX allocated at XXXX XXXX XXXX with about XXXX minutes walk. After we arrived at this restaurant in XXXX minutes, I discovered my Chase Bank - XXXX unlimited credit card was lost. I walked back for two blocks at the street trying to find my card but I could not find it and realized someone might take it. I called the bank immediately to report my card was lost. Unfortunately, the customer service line has been busy until around XXXX pm. The Representativeness accepts my call. She checked my credit card record and told me that a transaction at {$940.00} was charged from the store " XXXX XXXX XXXX XXXX XXXX '' ( I knew this name later from my account record ). I was told by Chase Bank that they will give me back credit for this unauthorized transaction. I saw the transaction has been taken out from XXXX, XXXX statement as promised on XX/XX/XXXX. However, this charge was added back to my credit card account on XX/XX/XXXX. I called the Credit Card Fraud department on Chase Bank on XXXX XXXX, he told me that I should call back to Credit Card Fraud Recovery team on Monday, XXXX since that recharge bill is this Recovery Team 's matter. I called representativeness on XX/XX/XXXX stated that I disagreed with this purchase since I did not authorize this transaction and I did not sign it for purchasing. However, this bill of {$940.00} is still on my account, and the bank requests for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09
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: Personal information incorrect

Complaint:
I have currently have incorrect personal information on my credit report. 


Please update and my name, address and employers to the following and delete the rest. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Employer- Retired Please remove all other names, addresses, and employer information if not listed above.

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 2020-08-27
Company: DriveTime
State: PA
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:
DT credit for a car is on my XXXX  credit report. I never did this!

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 2017-09-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My original loan was with Springleaf Financial,  which is now One Main, for refinancing a XXXX XXXX XXXX. The loan originated XX/XX/XXXX with a first payment of {$850.00} that was due XX/XX/XXXX. There were 47 recurring payments of {$780.00}. I have been paying this loan for over a year now. I am a XXXX XXXX XXXX on a fixed income. I earn {$3500.00} a month from a pension. I earn {$1400.00} from Social Security. I also take care of my adult son who suffers from stage XXXX XXXX failure. I recently contacted One Main about refinancing the remaining loan  balance so that my payments could be lowered to something that is easier to manage. They informed me that refinancing would make my loan payments higher. How is that possible? Paying this loan has been a hardship for me. Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: JPMORGAN CHASE & CO.
State: MI
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:
On XX/XX/XXXX I noticed {$3800.00} was missing from my Chase Bank account I contacted the Chase XXXX department and informed them that I did not make these transactions too XXXX Chase issued me a positional credit I informed them that they have to contact me by phone or email because I am a XXXX XXXX XXXX  on assignment away from home. On XX/XX/XXXX they removed {$3800.00} from my account which made my account negative {$970.00}. I immediately contacted Chase Bank 's fXXXX department had to argue with the representative and explain to him that I was at work during all these transactions I had transactions I had proof of my with my time card where I was at and what I was doing he told me that wasn't Good enough that if I was blocked in jail then that would be an excuse I wouldn't have Access to my phone I faxed them my timesheet for that week About XX/XX/2021 When I called a couple days later they told me my refund would be issued within 3 to 5 dozen days I called back then it was 7 to 10 business days I'm XX/XX/XXXX they sent me a paper stating that they agree with me that the transactions were fraudulent Then a couple days later they sent me another paper saying that the transactions We're authorized I've even contacted the merchant which is a XXXX site And ask them to do an investigation with With no prevail have I gotten any response from them I sent a copy of the correspondence too Chase. I was put out of my hotel because I'm a XXXX XXXX because I couldn't afford to pay for my room for the month I would like my money put back into my account with interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Act. # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I requested a credit report from Equifax and received the report which is XXXX. In reviewing the report, I noticed that there were comments ( 1 ) as follows : XX/XX/XXXX - Foreclosure process started XX/XX/XXXX- Paying under partial payment agreement XX/XX/XXXX - Paying under partial payment agreement I have never been involved in any foreclosure with the properties that I own, so I do n't know where this is being reported from. Since there was no information on the report to indicate where this was coming from, I contacted Equifax and they told me to contact XXXX which supplies the information. Neither company could provide any information as to where this was from, so they advised that I file a complaint with the CFPB. 

My intent is to get this removed from my credit report. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: TN
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 information was not secured properly by the company that is essentially telling other companies how trustworthy I am. After they became aware of the security breach, they waited for one month to report the information leak. I do not trust them to continue to act ethically with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MO
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:
Equifax releasing ( due to their negligence ) all my personal information ( SSN, DOB, Address, etc. ) to hackers represents an incredible financial risk to me and my family. The solutions they propose are insufficient. They need to be forced to offer for FREE the following : 1 ) Credit Freeze and unfreeze upon demand on ALL credit report companies at Equifax cost for a period of at least 7 years. 

2 ) Credit monitoring for free for at least 7 years. 

3 ) An option for citizen to have NO CREDIT report in their company. I do not want do do business with them anytime in the future and I should not be part of their database against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Credit bureaus stated my account was properly investigation but how is that possible if the, DATE OPENED IS WRONG,, BALANCE IS WRONG, HIGH CREDIT IS WRONG, LAST REPORTED DATE IS WRONG, DATE LAST ACTIVE IS WRONG AND THE DATE OF LAST PAYMENT IS WRONG! 

This grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681e Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. 

15 U.S.C. 1681n Section 616 ( a ) Civil liability for willful noncompliance In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CO
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:
Opening up complaint against Equifax for the latest data breach as I was identified as being a potential consumer that had my information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Falsely mislead me when I became co-signer on my daughters student loans. Contract stated and on web-site when student finish school XX/XX/XXXX that if payments were paid on time for ( 2 ) years co-signer would be released as co signer. When I called after the ( 2 ) years XX/XX/XXXX I was told that I could n't be released because of my daughter credit. I have been harassed telling me that I need to sell my timeshare to pay off the student loans and that my credit is in good standing and that I can afford it. I co-signed for ( 4 ) student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: Celebrity Financial, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have NO interest to apply for a mortgage loan. I have NEVER authorized a hard inquiry for applying for a mortgage loan through Midwest Equity, or Celebrity Home Loans as of the name of the parent company. 

I checked my credit report for XX/XX/2022, and found a hard inquiry that is not authorized by me. I initially filed a complaint to the XXXX XXXX XXXX XXXX because their name showed on my credit report. They responded to me that the unauthorized hard inquiry is from Midwest Equity ( under Celebrity Home Loans ). I tried to reach out to Midwest Equity by email : XXXX but there is no response. I also tried to submit a complaint to Midwest Equity and they say I should contact Celebrity Home Loans. 

Again. This is NOT an authorized hard inquiry and I have ZERO interest to apply for a mortgage loan. please remove my hard inquiry AND my personal information from your system. Please don't push the ball to the Midwest Equity and please resolve my issue here. I already put a fraud alert through XXXX. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX, CA XXXX, XXXX XXXX  XXXX  XXXX XXXX, CA XXXX, DEPTEDXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, DEPTEDXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5800.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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