BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX and I included it again. Kindly update or correct the following items : 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

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 2022-10-17
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
this corporation bank is mad e up of the most supreme huxters i have ever dealt with in my entire life! ( and im an ex paypal victim- and yes, they even have managed to exceed XXXX  in their levels of deceit and banking corruption! 

i have spent the last 4 or 6 months trying to get into my account online. 

and they refuse ... .. tp send me a copy of my statements from inception [ appros XX/XX/2020 up antil now ]. i have requested repeatedly they make me go thru all these fake hoops to order " all statements since account inception,. and they still... refuse to produce them! and lie that theyve been sent.

its impossible to access the online dash board they keep changing their url designation point/name they keep you on the fone for XXXXhours to reset your account to get back in. 

they lie about where the url site name is. 

and they refuse to take complaints what so ever to process them expeditiously or process them at all! 

i have called several times about that my card needs to be closed because all of the money is missing. 

and had they granted any of their clients on this mass account normal access i would have caught this LONG .... ago. but they purposely make sure that no one can access the accounts, so no one can move their money out. 

and furthermore related to the above issue they do not allow any one to add an external account. to also not let one be able to move their money easily out. the only bank on earth that bars their clients from adding and merging their other bank accounts. 

they dont even let you change your address when you move unless you contact a state dept. yet it says on the dashboard that XXXX clients can do this themselves according to their banking public displayed banking bi laws. 

on my last call to customer service i asked them to close my card and reverse all charges as the card was charged out of all of its funds but they said i needed to call a series of fone numbers. all of the fone numbers are bogus and fake. 

one of them is their alleged insurance company. 

when you reach this company number they say yes they are key banks insurance company but for their real estae division! 

and .... they told me this insurance hasnt been paid/ ofr 5 years now. 

and that they are deceptively sending all the nys dol claims calls to them, such that they get such an excess of intentionally misdirected fone calls funneled into them that they had to hire extra staff to man their real fone calls. i will furnish a copy of these bogus fone numbers in my next transmission to you. or ammend this later to add them. 

the name of this bank is key bank aka XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I have identity transaction that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have filed a dispute with the dispute department against XXXX for items I did NOT RECEIVE. The purchase is dated XX/XX/XXXX, posted XX/XX/XXXX in the amount of XXXX. Case # XXXX When I contacted the XXXX to cancel he advised me to contact customer service and when I did, customer service advised me they can not cancel or reimburse me. I contacted them 3 separate time and they stated Im not eligible for a reimbursement although I didnt receive the items and the order not being canceled correctly. Due to them not providing me assistance and denying my request to cancel I decided to dispute it through citi, my bank. I DIDNT receive the items and order was closed, Citi has allowed for the transaction to still go through. They are allowing fraud on my account. 

When I called today I was told I can only appeal the dispute by mail, which takes 5 business days to receive and another 5-10 business days to process. So I have to wait almost a month for reimbursement on a dsipute they did not handle correctly to begin with. 

I recently received funds from a family member and I can not even access the funds due to their negligence because it all went to that negative amount and its putting me in an even deeper financial crisis. 

All I wanted was for them to dispute that charge and not allow fraud for failed services to my account and they are not willing to help and provide a 3-4 week turn around time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2023-07-13
Company: EQUIFAX, INC.
State: MS
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:
You have recently checked my credit report and seen some inquiries I did not authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: FACTUAL DATA CORP.
State: NC
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:
On XX/XX/2019 I applied on line qith my current mortgage company for a 2nd home loan. I was denied. Immediately, after that I started getting calls from representatives from XXXX XXXX but in a different department attempting to offer me a new FHA rate. I said no to at least 3 different people and I asked them to remove my information but that did not happen. So on XX/XX/2019. I receive a call from another XXXX representative XXXX XXXX and I finally agree to listen to his sales pitch but it would have to wait until XXXX later that day because I was at work. I explained to XXXX that I did not want my credit ran a 2nd time because his company had just ran my credit 6 days ago and he should be able to use that. At XXXX XXXX, XXXX I get a notification that a hard inquiry had been added on all 3 credit reports. Shortly after I get a call from XXXX. I advised XXXX that I did not authorize another inquiry and I am very upset by this. I asked them to contact the agencies and have the inquiry removed due to it was unauthorized and fraudulently pulled. Matter of fact it was done without me being on the phone. XXXX 's superior was listening in and took over the call. He argued me down that this would not impact my credit. I advised him I dont care I want it removed because it was done without my knowledge and consent. He continued to stress his point. I got no resolve from him. I need this inquiry removed from my credit report with all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 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 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 2023-04-27
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent letters informing XXXX Equifax and XXXX of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, Equifax and XXXX  another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship for us can you please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: ADP Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had fraud on my Wisely Debit ( Global Cash Card ) account. Wisely provides " pay card '' services to employees of XXXX XXXX in Arizona. 

I had fraud on my account in XXXX 2023 ( {$8200.00} ) and then again in XX/XX/2023 ( {$8600.00} ). Both times, Wisely has been the absolute worst to deal with and void of any support to the consumer. In XXXX, I had to obtain help from ADP in order to receive the refund and some support with getting my funds back. Now, a few months later and after receiving new debit card, Wisely has allowed MORE fraudulent activity to occur on my account without any notification or sense to stop it. Any other banking institution would notify their customers of suspicious activity and stop the payments. 

Please note the following issues with the most recent incident : -Wisely refuses to email a letter that must be filled/signed in order for an investigated or or refund. They instead mail a letter, that took several weeks to be delivered in the XXXX incident. 
-The funds will not be returned until the investigation is completed. 
-They are unknowledgeable of policies and regulations/laws, and lie to consumers. After speaking with a supervisor, I was informed a letter can be emailed instead. 2 days later and no email, I contact them again and the next supervisor indicated that it can not be emailed and I was misinformed. 
-After locking my card via app AND contacting them to inform them of the fraud, they indicated they locked the card and account. Wisely CONTINUED to allow fraudulent activity on my card and MORE of my hard-earned money was stolen. 

This is blatant violation of consumer and citizen rights. 

-I grant permission for CFPB to obtain my call records from Wisely to investigate this. 
-I have also filed a complaint with the Arizona Attorney General 's office ( # XXXX ) to inform them of Wiseley 's fraudulent behaviors. 

Most recent complaint reference with Wisely : # XXXX Funds and dates of fraud : XX/XX/2023 : {$1000.00} XX/XX/2023 : {$1500.00} XX/XX/2023 : {$1300.00} XX/XX/2023 : {$1300.00} XX/XX/2023 : {$1700.00} XX/XX/2023 : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: OKCoin USA Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I sent about {$1500.00} to a company called okcoin to buy and sell cryptocurrency in XXXX. I sold some of my cryptocurrency ( {$1000.00} ) in XXXX I believe. I just tried to log into that account again ( XX/XX/XXXX ). 

The company requires that I use an authenticator app. I purchased a new phone in XXXX so I do not have the account saved on my authenticator app. I reached out to their support team to receive a new access code or an SMS verification. The support team sent me this email : Dear XXXX, Thank you for contacting XXXX support! 

In order to proceed further with your request ; 1. Kindly send us a photo of your ID ( front and back ), and a selfie with your ID and answer the questions below : -Account registration date -Last login date -Last trade details ( asset, amount, option ( sell/buy ) -Main assets held on account 2. Please prepare a video recording, read the below template ( adjust the template according to your request & personal information ) and attach the video to your reply. During video recording, your identification document must be shown to the camera, and the information must be easily readable. 

" Hi, my name is XXXX. Today is the date/month/year, and I recorded this video to reset my XXXX account ( phone number/google XXXX ). My XXXX account is associated with XXXX address, and my ( ID/passport/driver 's license number is XXXX. ) I'm the sole owner of the before-mentioned XXXX account. Kindly assist with my request ''. 

If the video size is too large and can't be attached to your email, you can upload your video to a cloud storage space ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, etc. ) and send us the link by granting access to XXXX Once we receive the video, we will proceed further with your request. Thank you for your time and your cooperation! 

Important note : To ensure funds & account safety, the withdrawal function of your account has been disabled until level XXXX verification is completed. 


Best regards, XXXX | Customer Service Representative '' I have never been asked to send a video to verify who I am. They are now also asking me for my driver 's license, which I believe I never sent originally. I asked them if there was another way that I could do a XXXX authentication or verification process and they said there is no other way. This feels like a scam. My account is closed. I can not withdraw my money. I am talking to my bank now to close my account because I sent them funds through a wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
During the end of the Summer in 2021 I was taken advantage of through my bank account and Bank of America. I have filed primal charges against those involved in the scam to access and cash out debits form my Bank of America account. Never once did BOA flag these aronius and numerous actions on any given day as fraud. When I was finally healthy again I went to Bank of America to get my records and and explanations how my address was changed to a Florida one without proper identification and how they would allow numerous withdrawals each day of cash. They not once flagged these as fraud. Furthermore they changed the first person my son and I spoke to at BOA in XXXX NY and the second person could not find my account records or even my social security deposits I live off of. They then printed out after 4 hours what they could find and told us that is all they good do. The fraud department never called us back nor did they provide any way for me to reconcile the money.

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