BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 have been trying to get TransUnion, XXXX  and XXXX  to fix my credit report for almost a year. They have items on my report that go back to XX/XX/XXXX every time I dispute anything they temporarily freeze my account while they are investigating, I have accounts that were closed past the Florida limitations limit but they still are reporting it, I paid and closed accounts in XX/XX/XXXX and opened another dispute because they were still on my report when XXXX  XXXX updated my score it dropped 69 points. In fact every time a pay anything down my credit score drops they take items disputed off then add them back on the next month I would like them to remove all paid accounts they also have two XXXX XXXX XXXX listings but its the same account its been duplicated I have asked that the closed duplicated one be removed but it remains on my report, XXXX  on the other hand has info that is not mine so when I try to answer the question they must have the other persons info and I get kicked out so I can not even order that 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 2015-06-16
Company: KEYCORP
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
So, I 'm trying to make payments to my KeyBank credit card from my XXXX checking account via KeyBank 's website. KeyBank claims XXXX is rejecting requests for payment, while XXXX says it never received any requests. Also, KeyBank is the only credit card that has trouble getting payments while I can pay other accounts just fine. I also initiated a trial payment of {$2.00} from XXXX 's website, the money has been debited but it has n't been posted to my KeyBank account. 
Now, looks like KeyBank has reported this to the credit bureaus as me having defaulted on payments when in reality it 's their own fault. As a result, my credit score has fallen by more than XXXX points. KeyBank even reported my account to its collections department and only today after talking with them did I find out that KeyBank apparently ca n't accept checking account numbers which exceed a certain length. The entity to blame for this KeyBank 's IT while I end up paying the price. 
I 'd still be happy enough if these so-called 'payment defaults ' are struck off my credit profile because this is no fault of my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Aqua Finance, Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I got a consumer loan for new windows through Aqua Finance. I got behind on payments last summer and made up for late payments in XXXX. In fact, I made over {$3000.00} in payments in XXXX alone. When I continued to go back online to my account to look for a new billing statement - I was rather confused as to why there had not been a new billing statement posted since the beginning of XXXX. Regardless of late payments, I needed to see a current billing statement to see where I was with balances. When I realized they had not posted a new one in months, I wrote to them first week of XXXX to inquire. I received a reply that they " don't do that '' on accounts in arrears. I demanded a current statement to ensure my {$3500.00} in payments is being properly credited. They stopped responding to me. I wrote again today and inquired why I STILL have not received one nor is there one posted on my account. Still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On vacation in spring of XXXX, I went to visit my family in XXXX XXXX XXXX. While in XXXX, NY I lost my wallet. I searched for my wallet high and low with no success. Upon the realization that my wallet was gone, I contacted XXXX XXXX and XXXX. When I contacted the bank, I discovered that my bank account was depleted. There were also several unauthorized charges which included : XXXX monthly passes purchases, random locations based out of XXXX XXXX, NY, and several other unknown purchases. All of my identification and checks were lost including drivers license and social security information. I had to replace everything. Moving forward, I purchased a house for myself, spouse, and children in XXXX and became ill due to complications as a XXXX XXXX Veteran. Therefore, I was medically retired in the Spring of XXXX by the Department of Veteran 's Affairs. During this process, I ordered my credit report because of the denial of credit application. I discovered that there were numerous fraudulent charges that I was unaware of. I contacted XXXX XXXX and Experian about these charges. Sending requests to dispute, these fraudulent charges, these accounts had already been sold. Despite this I sent I contacted XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX because they were the charges that I did not authorize and had no knowledge. I reached out via certified mail and telephone correspondence. I received a letter XXXX/XXXX/XXXX from XXXX XXXX that stated- unable to locate an account. I completed a police XXXX for transactions. Despite writing letters to XXXX and XXXX on XXXX, XXXX. I have yet heard back from XXXX or XXXX as these accounts have been sold. Per XXXX I submitted my police report information and FCRA 605b, identification for verification of identity. There has been no resolution. I received a letter from XXXX XXXX XXXX XXXX on XXXX with my no signature or contract. After three months of writing letter, there is no validation or attempts to reconcile this injustice. Equifax refuses to correct this injustice and I have complied with all requests to get the issue resolved. I am reaching out to your agency for assistance because I have diligently worked to remove fraudulent accounts. Therefore, I can not risk or afford for my credit to be impacted in such a negative manner when the transactions were not authorized and can not be validated by the debt collectors. 
XXXX has placed the debt twice on my report, illegally. I have contacted the credit bureaus, numerous occasions stating the previously. I have filed on XXXX, XXXX, and XXXX I have formally requested via certified mail, please assist this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On vacation in spring of XXXX, I went to visit my family in New York XXXX. While in XXXX, NY I lost my wallet. I searched for my wallet high and low with no success. Upon the realization that my wallet was gone, I contacted XXXX Bank and XXXX. When I contacted the bank, I discovered that my bank account was depleted. There were also several unauthorized charges which included : XXXX monthly passes purchases, random locations based out of XXXX XXXX, NY, and several other unknown purchases. All of my identification and checks were lost including drivers license and social security information. I had to replace everything. Moving forward, I purchased a house for myself, spouse, and children in XXXX and became ill due to complications as a XXXX XXXX Veteran. Therefore, I was XXXX XXXX in the Spring of XXXX by the Department of Veteran 's Affairs. During this process, I ordered my credit report because of the denial of credit application. I discovered that there were numerous fraudulent charges that I was unaware of. I contacted XXXX Transunion, and XXXX about these charges. Sending requests to dispute, these fraudulent charges, these accounts had already been sold. Despite this I sent I contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX because they were the charges that I did not authorize and had no knowledge. I reached out via certified mail and telephone correspondence. I received a letter XXXX/XXXX/XXXX from XXXX XXXX that stated- unable to locate an account. I completed a police XXXX for transactions. Despite writing letters to XXXX and XXXX on XXXX, XXXX. I have yet heard back from XXXX or XXXX as these accounts have been sold. Per XXXX I submitted my police report information and FCRA 605b, identification for verification of identity. There has been no resolution. I received a letter from XXXX XXXX XXXX XXXX on XXXX with my no signature or contract. After three months of writing letter, there is no validation or attempts to reconcile this injustice. XXXX refuses to correct this injustice and I have complied with all requests to get the issue resolved. I am reaching out to your agency for assistance because I have diligently worked to remove fraudulent accounts. Therefore, I can not risk or afford for my credit to be impacted in such a negative manner when the transactions were not authorized and can not be validated by the debt collectors. 
XXXX has placed the debt twice on my report, illegally. I have contacted the credit bureaus, numerous occasions stating the previously. I have filed on XXXX, XXXX, and XXXX I have formally requested via certified mail, please assist this matter.

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 2022-01-21
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage ( FM ) mishandled my escrow account : In XX/XX/XXXX, FMrecorded & paid wrong amount for my homeowners insurance from escrow. Paid {$2700.00} to XXXX XXXX XXXX XXXX for my homeowners insurance from escrow acct ; correct amount due was {$1.00} XXXX. I caught the error in XX/XX/XXXX & contacted XXXX to fix it. They transmitted the correct policy amount to Freedom Mortgage of {$1900.00} & reimbursed me {$790.00}. In XX/XX/XXXX, FM sends annual escrow statement and it contains erroneous {$2700.00} payment used to calculate new mortgage payment. As a result, my monthly mortgage payment increases by {$140.00} as they believe there is a shortage. I contacted FM by email & direct message on XX/XX/XXXX of the error & please fix it as it caused my payment to go up effective XX/XX/XXXX. Received a reply it will be researched & reply by XX/XX/XXXX. Never heard back. On XX/XX/XXXX I called & was getting run around saying can't get answer til do another escrow analysis & now it's XX/XX/XXXX for next reply. I stated that was unacceptable as my next mortgage payment is due before then. Please give me to supervisor. Put me on hold for Escalation Dept and was on hold XXXX min when they disconnected my call!! I had to call back & go thru whole thing again. Was on hold another XXXX minutes before got to Escalation Dept. She tried to tell me I was wrong & we went back & forth until she brought the insurance department into call. Took another XXXX minutes explaining the error to them & finally they offered to request new escrow analysis on XX/XX/XXXX. I asked if that will be in time to be reflected in my XXXX payment & she couldn't say... I asked if I would be contacted of the results & she said I can just keep checking the website to see if it shows up and eventually will receive notification by mail. I was on phone from XXXX am - XXXX!! This is a recurring them with FM.. can't get someone to help that's knowledgeable, get a different answer each time you call, promises to reply by specific date go unanswered, employees try to tell you you're wrong & just wait it'll get fixed, no offer to provide a dedicated phone number for help when the problem doesn't get fixed by date indicated, no apology for the error, shouldn't take that long to correct an account error, no urgency or concern that my mortgage payment increases by {$140.00} a month because of THEIR mistake & no urgency to fix it!!! This company needs serious oversight & to be audited by investors XXXX XXXX and 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 2022-08-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XX/XX/2022, requested disputes on a lot of thing on my credit report. Experian investigated them. And over a period of time, some they cleared up others, they left as " Potentially Negative '' even though the credit items are closed with a XXXX balance. Or they didn't belong to me directly. I have working hard to clear up my credit for years. And the majority of my accounts state that I have never been late of a payment. When the increase my credit they increase it by one, three or six points, but when they have dropped in it has been dropped as much as fifteen or twenty points. That keeps it below the FAIR rating. Yet the promote getting more credit cards, when I have done that, that drops my credit score even lower. One of the main credit items is XXXX XXXX XXXX, they took over to account that should be taken of my credit ( XXXX 's and XXXX XXXX XXXX XXXXy ), they have yet to be updated.I feel as if I have been put on a hamsters wheel. I don't feel as if the companies who decide your credit rating should be promoting getting more credit. Thank you for you time.

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 2019-12-27
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: Information belongs to someone else

Complaint:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MO
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:
Submitting this CFPB Complaint will already be my 4th CFPB complaint requesting the removal of the Fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, upon reviewing my updated Credit Report, it can not be just be overlooked since the Credit Reporting Agencies have failed to completely eradicate the disputed items from my Credit File. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they immediately remove the disputed items from my Credit File. Also, the Credit Reporting Agencies have failed to send me copies of proof of verification or proof of ownership with the disputed items. I have been requesting these documents since last month and yet the Credit Bureaus have sent me nothing. Please have the following items removed as soon as possible ; XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notice from a credit bureau reporting system that my credit report was changed. When I investigated the I found a collection notice from a company called Security Credit Services for a rental/leasing loan that I did not take out. It was for {$1800.00}. I called them to ask to have it removed and they told me they could n't. I never receive any notification from anyone that this loan was owed which is n't surprising since the address, birth date, email address etc related to their account are not mine. Furthermore, the loan was opened in my maiden name which has n't been used in over 22 years. They are supposed to be sending me an affidavit to be returned with a police report, but they would n't tell me who the loan was actually with originally and that 's required for the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been in constant contact with TransUnion Fraud Department regarding US BANKRUPTCY COURT account XXXX. I have provided all of the information that they have requested in a timely manner including but not limited to : Identity Theft Report FTC Report Drivers License Social Security Card Document Signed Notary Police Report I have also followed up via telephone multiple times. Each time I speak with a representative they advise the accounts are valid with no explanation or proof. I have been met with multiple stall tactics that include : Claims that I am a Third- Party : I have PROVEN through phone calls and documents sent that I am working alone to correct this issue.

Information not received : I have again PROVEN through tracking confirmations that they have received my documents as requested. 
Verified through eXXXX system and not by a full investigation : According to the FCRA I am entitled to this, which has not happened. 

This also is not posted on any other bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Short Sale was started XXXX/XXXX/17 with PNC. This is the SECOND CFPB COMPLAINT I have had to file against PNC for this borrower. ( See attached ) Most recently, PNC has now decided to refuse to speak with us, XXXX XXXX XXXX, as an authorized third party. PNC has spoken to us several times prior to today, therefore this is clearly retaliatory for filing the previous CFPB complaint against PNC. 

Is PNC now deleting our authorization documents? 

This has got to stop. This is servicing fraud. It is illegal for PNC to reuse to speak to an authorized third party. It is illegal for PNC to make up laws stating they are no longer allowed to tell me what the value is, nor what the counter is, nor are they allowed to make outbound calls to me or leave voice messages because this " is in the state of California ''. Since when does the state of California have anything to do with PNC properly servicing their loans? NO SUCH LAW EXISTS!!!!! 

Were not real surprised considering PNC committed this, yet another, illegal act when they cut off funding for this home to be build.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: CITY NATIONAL BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that the company efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The company is reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: TN
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:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO ME THAT I HAVE NO KNOWLEDGE OF NOR BENEFITED FROM THESE FRAUDULENT INQUIRIES AND ACCOUNTS

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 2019-12-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a medical debt reporting on my credit that I have no knowledge of. I have never had services done with this facility nor have I authorized anyone else to do so. This debt does not belong to me.

Company response to consumer: Closed with explanation