BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX of 2022, I opened an account with Key Bank in XXXX to receive funding from a friend outside of the state through XXXX transactions. I opened the account online and some address information was wrong, and Keybank set up a home branch in XXXX When I went to withdraw the money in Michigan, It was flagged as fraud. After proving my identity, Keybank still withheld the fund. due to suspected fraud, I was not told of any information. The KeyBank retailer suggested closing the account and the fund with be resent back to the sender, so I closed the account with KeyBank. After a while, I contacted KeyBank and they told me they will not refund the fund unless the sender ( who is a client from XXXX XXXX  ) contacted KeyBank through XXXX XXXX and request the fund. I contacted the sender and sat down with XXXXXXXX XXXX XXXX XXXXXXXX will not request the fund, because the money was sent legitimately and they can not give out client information. So Keybank and XXXXXXXX XXXX  will not talk to each other to resolve the issue, and Keybank has since then sent me running around. I since then have moved out of XXXX and to XXXX Keybank retailer now won't return my call, and Keybank back office number said they can not do anything on the phone and I have to talk to the bank branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: TX
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 have been reviewing my credit report and I noticed that there are some fraudulent accounts appearing on my credit report. I will list the items below that I do not recgonize Please see attached!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
i had a XXXX account with Wells Fargo thru my employer, XXXX that i was not able to transfer until i turned XXXX or until i had not been with the employer for 5 years. 
Upon turning XXXX on XX/XX/XXXX2017, i called and aske to have the funds rolled over to my bank, XXXX.I asked to have the funds wired directly but they told me they could not do that and i had to wait for a check.I reluctantly agreed. 
The funds were to be sent directly to my bank.I got a letter at my home on the XXXX saying the funds were sent.When nothing was received at my bank by the XXXX, my bank and i conference called Wells Fargo and asked where the funds were.They informed me that a check was sent on XX/XX/XXXX to my bank.We told them that the letter never arrived.They said i had to wait until Friday to do a stop payment on the check and have the funds resent.I called them today, friday XX/XX/XXXX and asked to have the funds resent.They insisted they wanted to mail the funds and i requested they be wired and they said no. 
i then asked to have the money overnighted and they would not do that. 
i rwquested a supervisor and that person agreed to overnight the funds after the stop payment was processed which would be Tuesday. 
Meanwhile i have not had benefit of use of these funds for all that time. 
i really believe that the check was never mailed and this is just a delaying tactic for the bank to hold onto this money as long as they can. 
The amount was not enormous,XXXX, but not insignificant to me. 
have you had other complaints about Wells Fargo using this stall/delay tactic to hold onto the money of customers trying to withdraw IRA or other funds from this institution? 
if so, i want to add my name to the list of people that are unhappy about this situation. 
Why is it that bank want to do everything electronically, including cashing my checks and immediately transferring funds out of my checking account, yet when it comes time for me to get money from my account i have to wait for the Postal System to deliver My funds and then suspiciously, the funds do not arrive??? 
This is completely unfair to the consumer. 
I do Not trust Wells Fargo regarding anything they do any more. 

Also, i feel it is unfair if a Company terminates my employment to have a regulation saying that matching funds can not be withdrawn from an IRA account until i am XXXX or 5 years from Termination.If i quit the company, i canunderstand this rule, but if i am let go, this conditon should be waived or not apply.I have waited two and a half years to access these funds and i still do not have them. 

Not happy!!

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 2016-04-05
Company: CONSUMER PROTECTION ASSISTANCE COALITION, INC
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I do n't understand why I have paid XXXX for a property that was foreclosed by XXXX XXXX and why the payments I made to XXXX and XXXX XXXX XXXX did n't count. I have made ALL of the payments on the XX/XX/XXXX truth in lending disclosure statement on a 7 % loan. I have made enough payments to XXXX to pay off a 15 year loan at 4.34 %. Now that we have paid XXXX for the property XXXX XXXX took they want me to not only pay for the original loan they want me to pay them my down payment again. 
I do n't know where this goes I paid {$270000.00} for my house in XXXX XXXX. 
{$65000.00} down payment. {$210000.00} @ 7 %. 
XXXX XXXX Refinanced $ XXXXXXXX6.5 %. 
XXXX XXXX paid {$5000.00} to escrow shortage. 
XXXX XXXX refinanced to XXXX and in XXXX it dropped to 5.875. % and a new {$260000.00} included a {$35000.00} line of credit. In all I paid {$79000.00} to XXXX mortgage {$49000.00} to XXXX, {$39000.00} to XXXX paid {$36000.00} to XXXX bank. {$340000.00} to XXXX and {$39000.00} to XXXX. {$30000.00} to XXXX plus {$79000.00} to XXXX. {$62000.00} to XXXX XXXX ( plus {$61000.00} from foreclosure ) and {$69000.00} paid to XXXX. 
In XXXX I owed {$20000.00} on a va loan I did not refinance. 
XXXX XXXX XXXX released XXXX {$260000.00} loans. XXXX for the second time. XXXX released the same {$35000.00} twice - XX/XX/XXXX and again in XX/XX/XXXX. 
My credit report shows a {$310000.00} mortgage with XXXX XXXX XXXX and a {$240000.00} mortgage at XXXX I never had. In XXXX XXXX XXXX XXXX offered me a {$420000.00} loan on my house and a {$150000.00} loan on my duplex I never signed. XXXX XXXX took my duplex in XXXX and I had to sign a {$290000.00} modification to keep my house / to which I have paid {$110000.00} ( @ 2 % on {$240000.00} ). The current balance is now the XXXX purchase price. I paid off the VA loan and the buyers {$91000.00} loan on my duplex was also paid off in XX/XX/XXXX. In all I paid off {$44000.00} credit cards - that were already added in the mortgage. I paid them -with interest - at least twice. We filed bankruptcy in XX/XX/XXXX and all debt was discharged yet my credit report shows {$79000.00} was paid. ( I mailed over {$170000.00} seperatelybto those credit cards over 3 years ) I believe I have paid the escrow on all three properties 3 times. Or I paid over 20 % interest. I have paid off all of the principal interest taxes and insurance on XXXX properties and owe more than I paid for the only XXXX left. 
All of the credit cards and the second mortgage were included in the balance I still owe. None of the {$460000.00} I have paid on my house counted. 
None of the {$160000.00} I paid for my duplex counted. 
I paid {$30000.00} more than I owed on the VA loan I never refinanced. 
I believe I paid the discharged debt back twice. 
The way I see it is I have paid {$660000.00} interest ON MY HOUSE. 
And 4.5 % more interest on the original balance and pay my down payment again.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-20
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: Information belongs to someone else

Complaint:
I'm a survivor of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be incredibly valuable. We are hoping to purchase a house. Kindly assistance

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 2023-11-26
Company: EQUIFAX, INC.
State: TX
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:
These Accounts have violated my rights According to FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED.

I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU.

PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT.

YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA.

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted my third loan modification application with US Bank because they dropped me from their program due to saying that they didn't receive requested documents from me, but I did send these documents numerous times. I'm working with the US Attorney General 's office. I filed an appeal with US Banks advocacy center and was told that they would make a decision on my appeal by XX/XX/XXXX, but only received a letter stating that they received the new application for the loan modification program. I have been doing everything I can to save my house from foreclosure, but US Bank is not helping matters by refusing to accept the documents I've sent. Please help me with this matter if there's anything you can do to help me. 
Thank you, 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 2022-10-05
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Comenity sold past accounts to XXXX and XXXX. I paid my debt as requested and provided a letter of deletion to XXXX and XXXX to which they agreed after communicating with Comenity. Comenity advised by phone that they would have the derogatory " closed '' accounts removed from all 3 companies. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX on multiple dates going back from 2019 to current. These have still not been removed from ALL reports. I'm demanding these be removed immediately. I've done everything as requested and I've found from others Comenity has done this to many people. I'm reporting the company to XXXX  and CFPB for help before seeking the courts attention to this matter. These derogatory closures are preventing me from moving forward with my job, purchasing a home etc... Comenity and XXXX both knew in advance my wife was diagnosed with XXXX XXXX. She was unable to work, XXXX XXXX XXXX XXXX XXXX and I was taking care of keeping up with the household bills, medical, medication and kids. This is why they agreed to remove completely since I paid off per the judgement ordered. When these lines of credit were obtained our income could afford the monthly bills. Unfortunately, we didn't think XXXX would hit a XXXX XXXX XXXX woman without any signs or notice. I simply want to move forward and I've gotten my hopes up only to be failed over and over again. This isn't a good light for comenity and how they treat their customer and failure to keep their promise when the customer has done everything asked. Please remove the below accounts from my credit reports. 

The below accounts need to be removed immediately. 
Comenity BankXXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX and XXXX Comenity Bank/XXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX and XXXX Comenity Bank/XXXX- XXXX XXXX XXXX and XXXX XXXX XXXX ) Comenity BankXXXX XXXX, XXXX and XXXX Comenity Bank/XXXX- XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX and XXXX Comenity Bank/XXXX- XXXX and XXXX Comenity Bank/XXXX- XXXX, XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The banking system is dependent upon fair and accurate credit reporting pursuant to XXXX XXXX XXXX ( XXXX  ) ( XXXX ). My consumer report isnt accurate! And thats not XXXX! You have violated my rights for the last time. The injured party has been in the dispute process for these inconsistencies, inaccuracies and outright fraud on my account for too long with no compliance. 
Disputes have been sent to eliminate the inaccurate account because the date the account was allegedly opened ( which is still reported incorrectly ), the high balance of the account, which is a direct cause for my interest rate being XXXX higher than the nations average. The injured party has exercised their consumer rights to dispute inaccuracies and you have failed to provide maximum possible accuracy in your reporting pursuant to XXXX XXXX XXXX ( XXXX ). Part of the dispute process is disputing with the original creditor and once the injured party did follow through with the process ; XXXX XXXX CARD SERVICES sent me proof of the inaccuracies by stating we noticed inconsistencies with the reporting if the person furnishing the report can notice it why didn't the Credit reporting agencies? This is a direct violation of my consumer rights as you XXXX and TRANSUNION purposely failed to follow reasonable procedures to assure maximum possible accuracy. ( XXXX XXXX XXXXXXXX ( XXXX  ) ) XXXX and Transunion you have pushed the duty to verify onto the furnisher and never did your due-diligence to reinvestigate. Your failure to be fair and equitable with reinvestigations is proof that you have shown neglect in regards to consumers rights privacy. ( XXXX XXXX XXXX ) You will be held accountable!

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 2023-09-19
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail from FMA Alliance LTD on XX/XX/2023. I wrote a dispute letter that has a receiving time stamp of XX/XX/2023 on USPS tracking website. I did not receive a response from the company with 30 days. As of XX/XX/2023, I called the company to see if a response was sent to my home address. No agent could come to phone and let a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It should be known that at present time both TransUnion and XXXX are reporting or showing hard inquiries on both of my credit reports that I have no knowledge of, involvement in, or have any complicity in. Nor have I authorized any of the companies to pull my reports which has resulted in hard inquiries to be placed on my reports. My vehicle was broke into and my wallet and phone were stolen awhile back and evidently some one of unknown identity tried to apply for credit in my name and all requests were denied. I never applied for any credit, never verbally agreed to have my credit pulled, and have never signed any agreements or authorizations for any company to pull my credit reports. No contracts, authorizations, or agreements exist on file with my signature with TransUnion and XXXX or any company that pulled my credit reports. I have disputed the inquiries with both Credit reporting agencies and was denied. I have contacted the companies and to date and time, no assistance has been given. Also, all attempts made to obtain credit in my name was done all on line with out any signed consent from or by me. A claim was filed with the federal trade Commission and now this complaint with the consumer financial protection bureau for assistance and relief. No hard inquiries are showing with XXXX at present time and date. A copy of the identity theft form is herein incorporated in this complaint for review also.

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 2022-02-18
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I logged in and checked my account and noticed that it was overdrawn by {$1400.00}. I called and was told by a representative that as a courtesy the gave me a credit of my estimated child tax refund when my account was overdrawn on multiple occasions ( never authorized by me ) and yea hen came to debit it back from my account in XXXX ( Also never authorized by me ) They claim they mailed me a letter but again I never authorized this service or program and how would they know if I was even using my account for tax refund purposes or if I was even allowed a credit this year. I never gave Navy FCU permission to credit, debit or participate in a program that would give me temporary credit. I am extremely upset and now forced to pay back something I never agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation