BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: KEYCORP
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My savings and checking accounts were placed on hold leaving me without any money. Automatic payments came in overdrafts my accounts. I'm being charged fees for insufficient amounts. Paying to cash checks now. Paying more for auto insurance because I no longer auto pay. It shows on my credit report the case was closed by the collections agency in 2008. I never received anything notify me as my address changed over 5 years ago from where they sent things. Medical bills originally. Transfered to XXXX XXXX XXXX. Being served by XXXX XXXX XXXX currently. Never notified of transfers or debt at all. Was in XXXX  2 years. The way I was notified is all my funds were on hold XX/XX/XXXX then they sent paperwork to wrong address

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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:
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. 
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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-24
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Right after pre approval I received electronic communication from One main requesting bank and personal information I entered this information then I received multiple calls from loan companies representing themselves as One main offering me different loan products. After receiving these calls I called One main and was advised that I qualify for XXXX as an unsecured loan and would need to use my vehicle to qualify for the XXXX secured personal loan. I referred the gentleman to the ad where I choose the unsecured product. After giving the matter some thought I decided to accept the XXXX unsecured loan. I called the XXXX branch today spoke to a representative as well as the main number spoke to XXXX both advised me that i was not approved for either loan. I called the inquiry dispute department and was advised to send them a request to remove the inquiry letter which I did. I would like to lodge a complaint against One main for false and misleading advertisement and the damage done to my credit report. as well a security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: MD
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : 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 2023-11-24
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Twice now, CBE group has attempted to collect on a debt that is not mine, for XXXX XXXX. 

I have already proven that I did not have a XXXX account before XX/XX/2023 ; I used a fiber service for around 4 years prior and before then, I lived in a building that was pre-wired and included Internet service. Before then, I lived in a different state with a completely different cable service. 

Keep in mind that I can prove this beyond the shadow of a reasonable doubt, using receipts from my fiber service and my lease from my previous apartment, with Internet services included. This is not a fight that can be won by CBE. 

Not only is the account fake, CBE mailed me a document with a fake account number that does not pull up any account belonging to me upon calling XXXX this morning. 

This is not some honest mistake, this is intentional fraud and attempted theft on the part of CBE and I intend to sue them in small claims court for maliciously damaging my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX XX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 

XXXX XXXX XXXX XXXX  XX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 


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 of 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 2023-11-24
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2023 a unknown collection was placed on my credit report by the National Credit System .Account with a balance of $ XXXX.I have no idea where this collection came from. Ive contacted the collection company to proove to me if they were present when that account was being open and to show me the wet proof of my signature opening this account and they still failed to provide me those proofs.This is a misleading false report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2023-11-24
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not liable for this debt with I C System. I do not have a contract with IC System, they did not provide me with the original contract as requested.Years ago I did a trade in and switch Phone Providers in which they were suppose to pay the remaining account balance {$1400.00}

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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX # : XXXX Account : XXXX XXXX XXXXXXXX XXXX Acc # : XXXX Account : XXXX XXXX XXXX # : 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.

15 U.S.C 1681c ( a ) ( 5 ) section state : no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 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 2023-12-27
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I did not apply for Wells Fargo Auto loans they were known to discriminate against XXXX  person or XXXX person Please remove extreme negative comments on cfpb who ever wrote this against me is a XXXX  person. Its obviously a 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 2023-03-30
Company: Experian Information Solutions Inc.
State: GA
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:
Dear sir or maam The credit beruaes are in continuous disrespect of the laws. I have showed them several times how they are violating the Fair Credit Reporting Act. 

In according to 15 USC 1681B ( 1 ) do not have written permission.

According to 15 UsC 1681I ( 5 ) THE CREDIT BEREAUS HAVE TO MIDIFY OR DELETE ACCOUNTS THAT ARE NOT REPORTING ACCURATELY.

ACCORDING TO 15USC 1681 I have the right to privacy According to 15 USC 1681s-2 a person shall not furnishany information related to the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors ( XXXX  ) a person shall not furnish information related to a consumer to any consumer reporting agency if ( XXXX ) The person has been notified by the consumer at the address specified by the consumer for such notices, that specific information is inaccurate and the information is in fact inaccurate. 

I can continue to go on and on and someone needs to hold them accountable for this. 

I have sent documentaion and I continue to receive generated responses and no follow. This has caused me great distress.

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 2023-11-25
Company: Experian Information Solutions Inc.
State: MO
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:
Ive requested a 1099c form from XXXX XXXX XXXX XXXX XXXX so I can file the debt on my taxes they failed to provide me with a form so I asked did they file they wouldnt give me an answer and they are updating this balance as an open account in all 3 of the credit agencies XXXX XXXX  and experian

Company response to consumer: In progress
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

Account Name : 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 has violated my rights. Or a 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 explanation
Consumer complaint received 2023-11-25
Company: CCF Intermediate Holdings LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I contacted an online loan company called Speedycash. They called me on this number XXXX. They told me they was going to send me XXXX to make sure my account was active and then I send it back to them and then they will send me my loan. I thought they were sending me the XXXX, I sent it to XXXX  and they gave me the address to send it to bitcoin. I was a little leary and thought it was odd but did it. Then told me they couldn't send me my loan amount because of my credit score. I told them that made no sense. Come to find out the bank credited me the money because the loan company called my bank acted as me and disputed the transaction. Then the bank took away my credit. My account is now XXXX XXXX can't help me and now I'm going to have to make payments to the bank until the account is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I get direct deposit every month from social security on the XXXX of month and if that falls on weekend or holiday then it is supposed to deposit the Friday before that which should have been today. This is second time in couple months chime has done this now my payments for car insurance will not go thru and policy cancelled also my phone and I have a XXXX XXXX and supposed to have phone to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus I'm XXXX and have limited income and this will cost me reinstate fees plus higher rates and will make my credit for online payments of bill bad affecting my credit. I contacted them online chat email and phone was treated rudely insulted and lied to. And told me they don't have to release my check until XXXX. Which is not true mine is released by my birthday. They did this a couple months ago and admitted after that it was their mistake. They don't care even though I've banked with them 5 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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:
I'm a Bank of the west credit card customer. Which is now took over by BMO and I did have some balance on my credit card issues by Bank of the West with automatic payment. Which was stop on XX/XX/2023 due to BMO integration/technical issues. 
Now BMO is negatively reporting 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 monetary relief
Consumer complaint received 2023-11-25
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I dont know whats happening but I only had federal loans and they kept being sold to new servicers. I owe more than I did when I was in school, and I owe more than I thought I took out to being with ( not to mention more than it should have cost ). Im also in the forgiveness for the scam tactics of the school but despite filing in time, it wasnt apparently seen or whatever so it didnt count. And throughout COVID, Nelnet said I had to keep paying because my loans dont count somehow. And now theyre only partly deferred. So I applied for SAVE for what I have because I make like $ XXXX a year and cant afford these and they told me they cant process my application unless I pay them. So I have to pay them for help?! 

Im so frustrated and depressed. I cant live like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a XXXX XXXX of the post XX/XX/XXXX war. 
I suffer from life threatening conditions that require me to travel to my local XXXX and at times to other places for XXXX. 
The Department XXXX XXXX XXXX has a travel program that reimburses XXXX for travel. Those funds are supposed to be distributed to me. 
I reached out to USAA after contacting my Congressman when the funds were not given to me. It about {$1000.00}. I had to use my credit cards with high interest rates to get gas and basic things because of this error. 
USAA did not do anything. On XXXX XXXX they sent me an E-Letter indicating they would do nothing. 

I still had not been paid travel. I had to cut doctors appointments for XXXX SHOT. I had severe bruising and couldnt go to the doctor because I had no money for travel. 

They were sent funds with my name on it but a wrong account number. They gave someone my money. Instead of doing the right thing and looking they made me suffer for no reason. 

They are negligent to say the very least. 
I want be recompensed for their stupid XXXX actions. 

XXXX transactions ranging from {$83.00} to {$44.00}. Paid on XX/XX/XXXX and XX/XX/XXXX all through out the month of XXXX. 

They stole from me. Why? What did I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They denied my application, even though my application is a promissory note, and they can sale it to a third party, which means they are committing securities fraud. So, I shouldn't be rejected.

Company response to consumer: Closed with explanation