BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: KEYCORP
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've contacted Key Bank several times asking them to apply additional payments to my principal. The first time I was told I couldn't do that. The second time I was told I had to pay the principal reduction before the XXXX of each month. The third time I was told I had to make the regular and principal payments together. The last time I was told that they would try to apply this additional payment ( paid in XXXX ) to principal but that it would not show up until next statement and that I had to call each month to have any additional payments applied to principal reduction. I told the representative that I'm trying to pay down the loan but he said that if I did not send the additional payments via mail, I will have to call each month. They are also changing my regular monthly payment so that I continue to pay the high interest rate. The interest rate is 11.29 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I've been waiting I've been waiting about over two and a half years or close to that for my claims my dispute to be resolved. Bank of America is in charge of the banking for XXXX which is a prepaid card that I was assigned I filed a claim for the whole account they still owe me well over close to {$10000.00} they're just sitting here playing today every time I call it's pending provisional credit or still under maintenance and it seems like it's never getting out of that stage and they keep on doing this thing called reconsideration over and over and over again. I'm homeless living in the tent on the side of the freeway lost my family because of this and it's just me and my emotional support dog and we don't have much food but on the money sorry for me to work cuz I've XXXX XXXX  with XXXX and I have nowhere to live because I can't get this money and there's an issue due to the fact that every time I call they all got to do something different to say and why if and they keep denying the claims and reopening themselves what's the point of doing that. Also I sent in documentation one was a police report and the other was a handwritten letter of statement of facts that I wrote and they were attached to the claims but it seems like I can never get I mean you know not enough evidence ever works for them.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Ive been reaching out to TransUnion regarding their incorrect reporting to my consumers report. They have yet to cease reporting this inaccurate information. I have no filed a FTC report against the company being that they are committing identity theft. I have not provided TransUnion with my consent to Furnish anything on my credit report. I am also in the process of suing for XXXX each violation. I would demand this account be removed from my credit report within 4 days of receiving this complaint

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 2023-07-13
Company: Experian Information Solutions Inc.
State: DC
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block the items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, 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 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 2023-02-11
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX ( Original Creditor : 01 XXXX XXXX A ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX  ) XXXX : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00}

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 2023-08-30
Company: EQUIFAX, INC.
State: TN
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'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 are a lot of negative elements in my credit report that do not belong to me and I want them to de removed from my persona information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-17
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
company called me, my mother, and my husband. Threatened that if I did not call in a timely manner I would face charges and that I was being sued for fraud. the contact number given was XXXX with contact XXXX XXXX. after numerous harassing calls to my family ( in which they gave information about me to whoever answered the phone ) I called to see what I could do to make it stop. I was told I owed a debt to XXXX XXXX XXXX for a payday loan back in XX/XX/2008which is inaccurate ( icalled them to check into this and they confirmed I had no debt with them ) I asked the company to take all the numbers out of their system and stop harassing my family about a fraudulent debt. She ( XXXX ) refused to do so and said " I guess you should of thought about that when you put them down as references for your loan '' I told her XXXX XXXX XXXX shows no such debt and she said well it was sold to someone else ... after much coercing she gave the company name of XXXX XXXX  but was unable to give me a contact number. I have never received documentation regarding a debt and I want the calls to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CADENCE BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Cadence bank has been approving transactions when I have insufficient funds in my account which causes me to be in the negative and pay overdraft fee. Im not opt in for the overdraft protection so why is this keep happening. I have proof that a reoccurring charge was trying to go through and they declined that one but for 3 weeks now theyve been telling me if its a reoccurring charge that it will process through. I literally have to withdraw all my money in order for it to be safe that is very sad

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
Company: FIRST NATIONAL BANK OF OMAHA
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: Card was charged for something you did not purchase with the card

Complaint:
For over the past several years my personal information has been dumped on the dark web and the internet. Over 1000 cases of fraud on my account. Accounts emptied. Mail stolen. All due to credit card companies and credit bureaus and banks failing to secure their databases allowing information theft. 
I have spend the last several years working to clear my financial records. In the past year starting in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent debt validation letters, some not asked for by creditors in a effort to research issues with fraud. This creditor has not seemed to respond to my letters within 30 days. 
The creditor needs to respond within 30 days to requests.

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 2023-08-10
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for American Express Gold card on XX/XX/2023. I got a letter indicating that I have been deined due to XXXX XXXX with a XXXX party agency. I was declined due to a credit report from a 3rd party agency information. I have equal opportunity to all opportunities. On XX/XX/2023 XXXX advised that I sent letter to claim rights, title, interest, and equity that were owned to principle at the initial consumer credit transaction, operating under the truth and lender statute and demand to reverse this denial. It is damaging my livelihood. The deinal is a violation of 15 U.S. Code 1691 " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter. ". They responded on XX/XX/2023 indicating that the denial stands. On XX/XX/XXXX I sent another letter with the same verbiage as first letter incidating that I can not be deined based upon a XXXX party. i called and advised to reverse the denial and they advised that I would need to have a better XXXX XXXX to get approved which is telling me that applicants with a better XXXX XXXX would be able to get approved which is discrimintion.The I received another letter indicating that there are many factors including information about personal resources and credit bureau information that made them deny me and that the decision is based in part or in whole on information in the credit bureau report. The are in violation of 15 U.S. Code 1691 due to me exercising my rights to credit they have deined me which is discrimination. It is my right to be extended credit per 15 USC 1691a ( d )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Elevate Recoveries, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collections account was filed on my credit report from a creditor named Elevate, LCC. The original creditor was XXXX XXXX XXXX, XXXX. I had no knowledge of this bill until it was reported on my credit report. I called the collections agency and got the date my daughter visited the ER. It was XXXX. I called the insurance company and no bill was submitted to them for payment from the original creditor. Ive tried to find information for contacting the original creditor. I have found no contact info and the collections company refused to give me any contact information and told me to look it up on my own. I have no documentation to submit because the only contact theyve had with me was on the phone on XXXX. Ive never even recieved a bill in the mail from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: UMB FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is in continuation of the closed file that has not been addressed : AFFIDAVIT OF STATEMENT I am continuing to ask for the same information that I did not receive from the previous closed out reference account below : XXXX Print complaint Closed The company sent alleged payments XXXX XXXXI was out of the country. They have manipulated the payment history or practicing RICO violations. 

I asked the company to provide payments transactional report for all payments made from XXXX to XXXX based on the Anti-Money Laundering ( AML ) Law and eDiscovery Laws govern by Banking Institution. 

The company sent the Credit Card Agreement Pamphlet for STATEMENTS OF PAYMENTS FOR XXXX 

These payments were not made by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My debit card was stolen. I closed the account and reported the problem. Over XXXX dollars were taking out and the thief also tried to order a new card. I informed the USAA and they deemed it not fraudulent even though there is evidence that the thief was able to go to XXXX XXXX XXXX in XXXX hours and pull out cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I was going over my Credit Report when I noticed unauthorized marks and I want them removed. 

Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-28
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I transacted with merchant ( XXXX XXXX ) for {$1000.00} on XX/XX/2021. The merchant was unable to fulfill service and promised a refund of {$94.00}. After calling and e-mailing the merchant and receiving no response I opened a dispute with Barclays for my Jetblue Card which was used for the transaction. 

The merchant contacted me and offered to send a check but asked that I close the dispute. I did not want to close the dispute prior to a formal resolution for fear that the merchant would not fulfill the refund. Barclays subsequently closed the dispute although I informed them that I rather the refund be issued to the original payment method which was my card product. After the closure the merchant failed to issue the refund of {$94.00}. 

I contacted Barclays and informed them and asked for the dispute to be reopened. It is now XXXX and I had to contact Barclay for an update to the status of my dispute. They once again closed the dispute simply because the merchant told them I declined the refund and that they had attempted to contact me. They did not validate these claims with me; had they contacted me they would know that the merchant has not reached out to me, nor have I formally decline any refund with the merchant. 

As of XX/XX/2021 I contacted Barclay 's twice regarding this dispute and both times the agent hung up on me. I have received NO call back. This is obscene. After the first closure, Jetblue reversed the chargeback which required me to make payment on a disputed transaction or risk impact to my credit history. I have provided sufficient documentation that shows I initially acquiesced to the merchants offer to refund me via check ; however, I believe 3-months for the issues of a check is unheard of. Additionally, Jetblue has required no substantiating proof from the merchant that they have issued and/or intend to issue the check. They have informed me it is now my responsibility to contact the merchant.

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