BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX am submitting this complaint on on my behalf there is no this party involved. This complaint is to serve as a second and final notice prior to arbitration of KeyBank failure to acknowledge receipt of my billing error that was sent and delivered to the company on XX/XX/XXXX. 2022 ( Exhibit Attached ). Not only did KeyBank fail to acknowledge my billing error dispute after conducting my own investigation on my most recent consumer report as of XX/XX/2022 I found a numerous amount of inaccuracies and violations of the FCRA. The furnisher Keybank is furnishing inaccurate and incomplete information which is a violation of XXXX XXXX XXXX. This information is inaccurate and I demand the appropriate corrections be made. Failure to respond or resolve this matter in the attached exhibit you will find my pre arbitration demand letter in which I will not hesitate to initiate shall you not comply any farther. The failure to correct the billing error on my account along with the adverse actions taken by the Keybank in which should have been arbitrated if there was ever a dispute amount any amount owed. I have reason to believe and do so believe there are misapplied credits and I have suffered injury due to KeyBank being deceitful about the nature of this transaction my reasons are included in the Exhibit. These events have jeopardized my relationships with other Finacial institutions and I have not been able to obtain housing or any means of credit because of your non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am writing to express my deep concern regarding the inaccurate and incomplete information that has been reported on my credit file by your agency. It has come to my attention, upon reviewing my credit report, that there are discrepancies and errors that need immediate attention and correction. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened the account in XX/XX/XXXX and they had a new card member special of spend {$500.00} within 90 days and get a {$100.00} statement credit. I spent {$740.00} on XX/XX/XXXX and have yet to receive my {$100.00} credit. I've called and emailed multiple times and still haven't gotten my credit, seems to be different stories of why it hasn't shown up but all reps I speak to say it should show up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Date of Birth : XX/XX/1986 SS # : XXXX To Whom It May Concern : FILE NUMBER IS : XXXX XXXX XXXX PLEASE HELP I HAVE BEEN TRYING TO GET MY ONLINE CREDIT REPORT BUT THIS ARE ALWAYS ERRORS WHEN I CLICK ON CREDIT REPORT TAB AFTER I LOG IN THE SITE WONT ALLOW ME TO ACCESS MY CREDIT REPORT. WHEN I REQUEST I ALWAYS GET A MESSAGE STATING THERE IS AN ERROR RETRIEVING CREDIT REPORT. I EVEN TRIED CALLING IN TO RESOLVE AND STILL NOTHING WAS FIXED. THE FILE NUMBER IS : XXXX XXXX XXXX. I TALKED TO UNIVERSAL AGENT AND I WAS NOTIFIED THAT THIS WOULD BE FIXED AND IT WASNT. THE PROBLEM STILL EXIST. PLEASE FIX 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was recently fallen to a scam on XX/XX/2023 when thinking I was making a smart purchase on buying an XXXX XXXX online. The company is called XXXX XXXX 's XXXX 's. This was a legit transaction I handled as I read the card details to a man on XXXX  This course is called XXXX XXXX 's in which I believe he has a chargeback management team scheme in where they ask Individuals to sign up for the course. They promise one on one training and they do not respond to your questions when you have. The course is a bunch of pre recorded videos in which he just milks and stalls the actual material of the course. Then proceeds to say to ask questions and ask for help as little as possible and to figure out the material on your own. As I realized that this was a scheme and they have fake management teams that fill in as certain positions to cover up, they deleted my messages after I tried to type in the XXXX chat on how this indeed was a scam. XXXX  is unprofessional social networking site where people can go as usernames and anonymous. I initially charged a dispute against them, XXXX ( The owner ) had gotten angry and told me to delete the charges made against him and we could work out a potential solution. After I had completed what he wished, he proceeded to stall and completely ignore what I was trying to explain to him. These people are extremely advanced in scamming victims and have often have chargeback management teams that fight against claims that people make in which are true, but have cover schemes to show to the bank. I believe I have a right for this to be investigated properly by Fraud Investigation and can clearly see that this is corrupt business from this company. I have submitted a billing dispute providing screenshots and email receipts that were faxed to the Fraud Investigators for Bank of America.

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 2023-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by the company on theses dates XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. I called the company on XX/XX/23 as well as XX/XX/23 to let them know they have the wrong phone number for the debt they are attempting to collect and I am still receiving phone calls despite being both times that I called that I would not be contacted again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
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:
THESE ACCOUNTS IS NOT MINE XXXX - XXXX XXXXXXXX XXXX - XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: WELLS FARGO & COMPANY
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2017-06-28
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX and I have a total of nine student loans : two Stafford loans and a Plus loan from XX/XX/XXXX-XX/XX/XXXX, and six Direct loans from XX/XX/XXXX-XX/XX/XXXX. I am on a Pay as You Earn plan, and all of the loans are serviced by Pennsylvania Higher Education Assistance Agency ( PHEAA ). Every year, I have re-submitted my IDR request on time to re-certify my income for the purpose of determining my student loan payment. <P/>This year, when I timely submitted my request for income-driven repayment ( XX/XX/XXXXIDRrequestreceived ), either the Department of Education or PHEAA failed to apply it to all of my loans, applying it only to my XX/XX/XXXX-XX/XX/XXXX loans and not y XX/XX/XXXX-XX/XX/XXXX loans. ( See attached documents -- XX/XX/XXXX for the loans PHEAA correctly applied the request to and XX/XX/XXXX for loans it failed to apply the request to. ) As a result of this oversight, my student loan payment has gone up to over {$1000.00} because my new income information was applied to all of the loans. I have tried to make approximately the loan payments I would owe had my account been handled correctly. However, PHEAA has on some occasions applied my payment partially across all loans, causing all of them to incur late payments ( see XX/XX/XXXX ). Every month, I try to pay what I should owe and every month I receive a notice that there is a delinquency on my student loans ( see XX/XX/XXXX ). It appears that in XXXX PHEAA applied the IDR request to my XX/XX/XXXX-XX/XX/XXXX loans ( see XX/XX/XXXX ), but the delinquent balance remains. <P/>I have contacted PHEAA twice to request that the agency properly calculate my student loan balance, remove the portion of the balance in default, and mark my account as current. The first time, the customer service rep suggested that I put my loans in forbearance -- I of course declined because this would have capitalized the outstanding interest on my student loans. Both reps said they would take care of the situation, but every month, I keep getting late payment notices ( see XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-05-17
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I ha ve a Target store c ard that I charge to infrequently and earlier this year had a balance that I thought I paid off. However, because they charged me  a (  very high {$38.00}  ) lat e fee, I still owed them a small amount of money ( which was really a leftover piece of a late fee of a few dollars ) that I was not aware of. They then charged me a late fee on top of that and another one on top of that and so on so basically what they are doing is continuing to charge me late fees for not paying late fees that I do n't agree with. I called them on Monday,     XX/XX/XXXX  t o discuss because I could n't figure out what was going on ( they have/had my name spelled completely incorrectly so not sure I was getting every bill and on the bills I had I could n't figure out what I had charged that caused me to owe them anything and I had n't been to the store in some time ). When they explained that they were basically charging me late fee upon late fee upon late fee with no underlying overdue balance, I told them I thought that was not reasonable and asked them to waive some of the charges. They refused to waive any of the charges so I told them to cancel my card. They said they could not cancel charges, which is n't true. They cancelled my card/account but told me they would continue to charge me late fees upon late fees if I did not pay the balance by the due date, which is   XX/XX/XXXX .  I asked to speak to a supervisor and they said there was no supervisor available. They told me a supervisor would call me  within 24-48 hours. I still have not  heard from a supervisor and would like to clear this up but I do n't think I should have to pay all of the balance. I 've never dealt with a company that behaved like this. They 've lost my business. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2017-05-17
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've disputed this debt with Americolle ct Inc., They 1. Have ne ver " Responded '' to my dispute as per the FCRA AND FDCPA guideline s. 2. I 've i nformed them the debt is NOT MINE, I would like them to send me a copy of all medical bills WITH MY SIGNATURE, and if they are able to obtain these, I would like the following along with it : The person they ( Americollect ) spoke with at the original creditor, I need their name, address, phone number and extension to pursue further action. I 've tried contacting this agency to no avail. I would like the account removed from my credit report and they can find out who it belongs too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a letter regarding this debt and then I responded that I am unaware of this debt nor is this debt mine. I then recieved a credit report with once again my score lowed. This debt as I explained to this company is not mine, I have never been to this place and I live in another town/county as they are saying this debt is owed, I never even recieved a bill regarding this debt if I did owe it, I recieved a letter and I replied and then few weeks later it is added to my credit report. Again, this debt is not mine and they need to verify accuracy and name before sending owed bills to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several dispute letters as this is not my debt. I have always had insurance to provide to the hospital but this bill is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a collection account reported on my credit report on XX/XX/2020 for the amount of {$540.00} from XXXX XXXX XXXX. 
However the collection agency that the account was sent to was Enhanced Recovery CO L. 
According to the Cares Act I should have been notified of this account and also allowed an extension or grace period for this account. Also, this particular account was paid in XX/XX/2020 and therefore should not have been put on my credit report at all. I have lost my job due to the COVID pandemic and facing very hard times at this time and definitely do not have the funds to pay an additional {$540.00} for an account that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023, I noticed that I had an XXXXXXXX  fee of XXXX after my nightly balance was XXXX in the positive. This left me with an XXXX. On XX/XX/XXXX I woke up and saw that I now had XXXX in XXXX XXXX fees. I contacted the bank immediately and they told me it was because my account was in the XXXX during processing times and after updates items that cleared and settled is what caused the fees. They then went on to show me where my XXXX was XXXX or XXXX between XX/XX/XXXX and XX/XX/XXXX. I explained each time I got a notification that my acct was in the negative I transferred funds to cover the XXXX balances, before the cutoff times and those funds were available immediately. I then went in to explain and show how my account was positive each time the fees were accessed. She refused to acknowledge said deposits or admit to any wrong doing on the banks behalf. She said as a courtesy they would waive the XXXX because I have a long banking history with them. I was not really satisfied but I didnt have the energy to continue to go back and forth over fees. The morning of XX/XX/XXXX I woke up to another XXXX in overdraft fees. I again contacted the bank and was told pretty much that even though I brought my account current fees were pending initially as well and that even though I made deposits when alerted to avoid any negative impacts they didnt really count towards some XXXX XXXX. grace period. My bank statements show each time a fee was assessed that it was in a positive standing. Granted it wasnt by lots but it was positive and I did my due diligence to ensure the acct stayed in the positive by transferring money to cover. Normally I do not fight this hard however I feel as if I am being robbed as a consumer.

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 2022-10-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/2022 XXXX {$1000.00} Discovered Fraud with XXXX on my account. I noticed it when my account went in the negative. Initially I thought maybe my husband did it but when I verified it he never had a card with that number on our XXXX account. 

Tried going through the branch 3x. And had my lawyer reach out because I lost over {$1000.00} from fraud. 

The bank credited me {$42.00} as a form of justification XXXX cant accept it. I had my lawyer send a letter and the bank still said the same thing.

Company response to consumer: Closed with explanation