BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: KEYCORP
State: OH
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: Overcharged for something you did purchase with the card

Complaint:
KeyBank fraud department who is investigating a fraudulent transaction from a XXXX  is in cahoots with XXXX company to defraud my account. I reported information that a XXXX  lied and said I got a key cut for {$120.00} and also got a key prog ( programmed ) for {$47.00} in XXXX of 2023. I did get a key cut for my car but I did not get my key programmed because my key had no inside electronics in it to be programmed. The key I bought from XXXX has the evidence in record that also shows me paying for 2 more keys from XXXX that could be programmed. KeyBank fraud dept is unwilling to admit KeyBank f fraud dept looked at my receipt and assumed the deduction of {$160.00} was legitimate. But laws in Ohio and in the United States require that all evidence in records questioned should be considered with transparency and accountability to prove something occurred. I told KeyBank fraud dept in my words that someone at KeyBank fraud doesnt know Ohio consumers laws on bait and switch which is exactly what happened in my case. I stated the company ( XXXX  ) stated {$120.00} for key made and intentionally excluded cost of programming key and the XXXX  at my place then tells customer he wont charge for program of key but has customer swipe card and sign for key made but pad does not show the higher amount customer is being swindled out of. The XXXX actually told me he would not charge me for program but did anyway and on top of this the XXXX has no evidence in record he programmed my key but charged me for something he had no way of doing whike key fraud department sided with XXXX  just because me signed for something I didnt know I was being charged for, after I received receipt of {$160.00}, I trusted that XXXX charged me only {$120.00} so I folded my receipt, went in my apartment and then looked at receipt amount and looked to contest overcharge but when I came out to look for XXXX, he was gone. I immediately called KeyBank to dispute amount but keyfraud dept know an admission on their part could yield civil charges against key fraud dept which I will pursue within statutes of limitations should key fraud dept deny me compensation for violating my civil rights. I believe {$2000.00} is reasonable amount of small claims court settlement which Im asking in this complaint to avoid court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681s-2 ( A ) ( 1 ) A person shall not fursnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccutare.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advers item of information, other records of convictions of crimes which antedates the report by more than 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 non-monetary relief
Consumer complaint received 2023-08-24
Company: Central Portfolio Control Inc.
State: MI
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:
Central Portfolio Control , Inc, has committed Mail fraud, Identity Theft, Right to Privacy Violation, and actively engaged in Willful inaccurate and false information to my credit report by placing deceptive information and creating a deficit into my credit CAUSING ME TO LOSE THOUSANDS IN CREDIT LINES ; by purchasing without transparency old discharged debt that has been paid for and proven on my 1099B. 
Also, Central Portfolio Control , Inc has committed extortion on the phone with me to get this paid for debt paid for again with them. When I sent Cease and Desist letters they in turn placed the lies and deficiencies ' on my credit report as a means of intimidation.

They have violated Metro 2 Compliance, FCRA Guidelines, and choose to use the US Postal Service and the credit bureaus TO BREAK THE LAW and to gain financial means fraudulently. Intimidating me and causing stress, XXXXXXXX, and physical symptoms of my XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to extort money from me. 
XXXX XXXX XXXX, XXXX. 
XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-03
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: Problem with personal statement of dispute

Complaint:
I submitted an disputed Electronically with Transunion multiple times with accounts ( XXXX ) starting with account number XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX. This account is over my states XXXX, The account came back verified with no proof or method of validation. 
I also disputed an account ( XXXX XXXX XXXX XXXX ) Starting with account number XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, GA XXXX. This account was also verified as accurate, which has now been reported as delinquent after I disputed 4 ( FOUR ) years that is illegal & it is altering the accuracy of my credit age to pursue this debt longer. I have also opened a case with the BBB regarding them not providing proof this debt belongs to me.

I requested a method of verification via transunion and have not received it. Transunion has failed to provide proof of validation to me and I am requesting these accounts are removed from my credit report as they are not meeting CFPB guidelines.

These two accounts have been reporting as accurate with no proof after disputing for years via Transunion.

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 2023-05-14
Company: Freedom Mortgage Company
State: OK
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:
XXXX Credit Report Check your credit report for signs of theft, fraud, or error. 
FREEDOM MORTGAGE 30 Days Late Real Estate {$17000.00} Status XXXX XXXXXX/XX/XXXX Days Late {$200.00} This company has been committing fraud against me. It began with a disagreement about charging {$15.00} when my bank was bought out by another and the auto payment did not go through. 

There are several twists and turns in the story, but XXXX account manager said they were holding a check I sent ... which was to quickly bring the account to date... it did not contain the {$15.00}. They did not cash it ... all the while struggling to get the autopay restored ( spent an hour with someone and unsuccessful ) .... so much nonsense... real malice on the part of an individual who deserves to be fired and sued for what he/she 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 explanation
Consumer complaint received 2023-05-01
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was a victim of an unauthorized credit card charge of {$1400.00} on XX/XX/2023 but Wells Fargo bank will not deduct the charge from my credit card account. They denied my claim despite federal credit card protection law, The Fair Credit Billing Act. I have called them several times to remedy the situation but they have not removed the charge.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-01
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: Account status incorrect

Complaint:
I have contacted " XXXX XXXX XXXX  '' to remove the incorrect information of the account they closed that is being reporting as a " Charge Off '' negative account. I made yet another payment for the balance they claim that I owe and they have not honored my request to delete this incorrect account information from all credit bureaus to-date. Thus, I am asking that the all the credit bureaus remove this incorrect account information from my respective credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There is an account opened with my name/ social security number but NOT my address and is now appearing on my credit report with a balance of {$640.00}. This is not my account. 

I spoke with XXXX from collections in early XXXX and stated I had no knowledge of this account nor the balances associated. The address is not mine, the payment account that was associated is not mine, and as far as I can tell, the phone number is not mine. 

This was supposed to have been resolved at that time, but when I check the latest copy of my credit report, the balance / past due account is still present. 

The address associated shows XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam, I am writing to you in accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., to dispute certain information contained in my credit report. 

I am disputing the accuracy and completeness of the accounts listed below. 

I have recently obtained a copy of my credit report from XXXX and have found that it contains inaccurate information. Specifically, unauthorized inquiries on my report, because I did not make or authorize these inquiries. My credit report and denial letters are evidence of the inaccuracies. The inaccurate inquiries are as follows : 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 Pursuant to 15 U.S.C. 1681i ( a ), I am requesting that XXXX conduct a reasonable investigation into the disputed information and correct any inaccuracies found. I also request that you provide me with written confirmation of any corrections made to my credit report. 

In addition, if any of the disputed information relates to a debt that is being collected by a third-party debt collector, I request that you notify the debt collector of my dispute in accordance with 15 U.S.C. 1692e ( 8 ).

If this matter is not resolved to my satisfaction, I may be forced to consider further action, including initiating arbitration proceedings in accordance with XXXX 's arbitration program. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

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 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
A Bank of America credit card was listed on my credit report with a {$1000.00} balance and had me listed as an authorized user ; however, I do not have a Bank of America credit card. I called Bank of America and they said they were going to work to resolve this issue.

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 2023-08-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services needs to be investigated for illegal loan servicing. 

They disbursed Escrow funds out of my account on XX/XX/XXXX for XXXX XXXX / XXXX XXXX. Around XX/XX/XXXX they placed a stop payment on this first check without telling anyone. We have Rushmore on a recorded call stating that it was THEIR mistake as they put the wrong Policy Number on the disbursement check. This caused the check to bounce due to stop payment and a {$35.00} charge was issued. This was Rushmore 's error as stated by both them and the Insurance company. They reissued the check. 

BUT THEN, when it came time to pay the insurance company the {$35.00} due to Rushmore 's error, they took or stole it from m

y Escrow Account when it should have been paid from their Corporate funds since this was their mistake and we have that on a recorded call of them admitting that on their end. My Escrow account is now Short and I ha
ve wasted my valuable time dealing with their incompetence 's and expect to be reimbursed for the {$35.00} to my Escrow account and a separate reimbursement for my lost time and troubles. They have mis-managed my Escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: IL
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:
I mailed letters to Experian, XXXX, and XXXX about inquiries I wanted to be removed due to them having no WRITTEN consent allowing them to furnish on my report. Furthermore, I have waited over XXXX days for the required response time. It is actually almost XXXX days and there has been no 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 2023-09-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per Experian credit report payments were made on the XXXX XXXX loans in XX/XX/XXXX. 
I need then to provide validity that these payments were made. Provide documentation to support payments were made on these loans. 

XXXX XXXX reported the accounts delinquent for 60/90 days since no payments were made after XX/XX/XXXX. 

This is a depictive practice, Then they report it as delinquent or charge off. 

They dd not provide verification of a cancelled check, electronic transfer of who made the payment.

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 2023-09-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened two CD accounts online with Wells Fargo, a bank where I have had accounts for years and they have all my documentation on record and up to date. After the accounts were open, I noticed that the bank was withholding interest even though I am a U.S. citizen. I contacted the bank to get this fixed and after a lot of back and forth, they said I needed to sign a W-9 to get the withholding stopped. I went to the branch and signed the documents as instructed ; however, the monthly interest continued to be withheld on both accounts. Afterwards, I submitted a Consumer Financial Protection Bureau complaint and the bank took about another month to review my accounts. After they finished reviewing, they asked me to go back to the branch to sign another set of documents, and after that they stopped the withholdings.

However, the bank did not return the interest that they had erroneously retained. I have been to the branch multiple times, I have continued to have telephonic conversations with representatives and no one has been able to explain the process to get my money back.

Once again, they have all my information to certify my tax paying status since I have been a client for years, but also, they should have notified me that there was documentation that I needed to sign, which they did not. I believe that their online account opening process has gaps that resulted in this problem and the accountholders should not be made responsible for errors in their processes.

I need them to refund me the interest that they have erroneously withheld from both of my accounts. 
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 explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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:
This is my second-time requesting 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 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$19000.00} 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 response to consumer: Closed with explanation