BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX I deposited a check that was my son 's which I have power of attorney over the check cashed in my account there was a hold on my account for a month or so, then the fraud department decided to close my account, the bank at first had told me I would be able to come pick up the cashier 's check for XXXX but it would have been for XXXX due to me withdraw XXXX $ well none of that happend, then i was told that when they closed my account I would be XXXX $ overdrafted due to the funds being returned again that was not the case instead they closed my account i never received none of the money back and the check never went back to the issuing bank which i am able to provide emails confirming this, This is Key Bank on XXXX XXXX in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-05
Company: EQUIFAX, INC.
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:
I want to inform the XXXX Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXL XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$620.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$580.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Zions Debt Holdings
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
An account was disputed and removed due to non validation. It was transferred and re reported even after being removed previously. 

Requested a debt validation and contract in writing with wet signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XXXX XXXX. I sent a dispute to XXXX, Transunion and XXXX  Disputing 2 bankruptcies on my credit reports. The information is inaccurate, so I requested that the items be removed from my credit report. The bureaus stated the information was verified as accurate by the Bankruptcy Court in XXXX XXXX, Louisiana and refuse to remove from my credit report. I contacted the US Bankruptcy Court located in XXXX XXXX, Louisiana and I was advised that they didnt report such information to XXXX, XXXX  or Transunion. I have been disputing this for 9 months and the bureaus XXXX, XXXX  and Transunion are not legally reporting the correct information.

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 2023-08-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have never opened a loan with XXXX. I only had a XXXX XXXX XXXX which I assumed was closed in 2022. I assumed thats where my payments were going to. In XXXX I got notification that my account was XXXX  days late due to lack of payment on a loan that I never opened for XXXX dollars and that my account was closed. The company keeps saying that someone logged into my account and approved it! I did not. I filed numerous complaints and a police report. I am being held hostage and my credit continues to suffer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I signed up for a Chase Credit Card through Amazon.com. After months of trying to understand why my balance was not moving down, I realized the statement date was the XXXX, but the due date for the payment is the XXXX. I have been paying {$35.00} late fees on a {$35.00} minimum balance. I contacted Amazon & Chase, whom both quickly offered a {$35.00} refund, however, this concerns me that there is an issue with predatory lending. It takes 5 minutes to sign up and get approved for a card on Amazon, and even less than that to spend money on their website. Chase intentionally makes the billing process confusing by making the statement date different than the payment date. Additionally, during COVID, mail was delayed, so by the time a statement arrived, I was already days late making a payment. This has damaged my credit and amassed enormous fees that prevented me from paying down a simple {$1000.00} balance. I feel taken advantage of, and others probably are too. Please look into this and consider making a flat fee+interest on cards -- 100 % of the minimum fee should not be legal. This is predatory lending, and I let Amazon know this damages their brand. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: SC
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 the consumer have been violated and had incorrect and inaccurate information listed on my consumer reports. I never gave any credit agency written consent or permission to report this information. I have tried to resolve this issue with each agency and each has complied and resolved the issue except for EXPERIAN. On XX/XX/XXXX I called in to EXPERIAN and spoke with XXXX agent id XXXX about the issue. I told the agent that there was a late payment listed on my consumer file from XXXX  XXXX for XX/XX/XXXX and that information was inaccurate and needed to be updated. I told him that I already contacted XXXX XXXX and the other major credit reporting agencies and the information had been updated. I told him that this information was incorrect, and it was not bringing any equity or value to me the consumer and I never gave EXPERIAN any written consent to report this information and this was violation of my right to privacy and it was directly impairing me and was harming my reputation and character. I told him to correct the information immediately. He told me that he would file a dispute but he could not change the information because he didn't have a reason. I told him that I had already settled this inaccuracy with XXXX  XXXX and the other credit agencies it needed to be updated with EXPERIAN and the reason is that it's inaccurate and I the consumer have given them instructions to do so. He then stated that he'll escalate the issue but there was nothing he could do. I told him that this was a direct violation of federal law and they are being partial, unfair and I the consumer have the right to privacy 15 USC 1681 ( a ) ( 4 ). I told him that this was damaging me in many ways as to how I am able to use my credit because of this inaccurate information that they never had my consent to have or share. This was a direct violation of 15 USC 1681b ( a ) ( 2 ). I am demanding that EXPERIAN update the information on my consumer file and my consumer reports. If this information is not updated immediately I will continue forward with litigation.

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 2023-08-29
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I wanted to pay my loan and renew it and I asked three times will I be able to get the money I need and the so call manager that was there told me yes. So I paid and renew my loan and there was no money there which I needed as soon as possible and I call back and ask can they just not renew it and just put it as a payment they say yes. So next thing I see they refunded the money back and tell me I'm on the repo list and charged me more than what my payment was suppose to be. They got nasty over the phone and I'm not the one to go back and forth so I hang up. Also when you sign up for a loan instead of the customer seeing how the service work and giving they honest opinion they ask you to go rate them and give them 5 stars. This is my second time dealing with them because I really didn't have a problem in the beginning but now this time they just doing too much with these high payments and don't try to work with you and the interest rates are ridiculous. I can't include dates because I just went on my portal and I see no payment history like what is wrong with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Im trying to enroll in online banking using my debit card number and pin but the system doesnt recognize the information. I also tried to activate the card by phone and same issue, the system is not working. 
Can you please send a pin reminder to my mailling address or tell me how to activate the card and enroll without issues. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
-Applied for and received credit for XXXX services from Care Credit -Paid minimum amount ( which is not enough to be interest free, ie they do not divide your payment into 18 for 18 months interest free ) -Charged 26.99 % deferred interest on full balance at end of 18 months. 
-Puts me over limit, however, when I called the company they said that that would be all the interest that would be charged on that amount. 
-WRONG! Charged interest EACH MONTH 26.99 % on the BALANCE ( including interest already added to my balance ) -NOT EXPRESSLY INFORMED of DOUBLE INTEREST CHARGES. 

-Is this legal? 
-Called company and asked them why and they said it is how they handle all their accounts. 

-I should not be charged interest on interest. 
-moving forward, cards like this should divide payments so the consumer knows how much to pay to meet the " interest-free '' requirements. 
-because they offer " multiple '' promotions, the " minimum payment '' should reflect ALL promotional interest free requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed 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

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 2023-08-06
Company: JPMORGAN CHASE & CO.
State: CA
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:
Upon reviewing my XXXX, XXXX, and XXXX consumer reports, I observed that JP Morgan Chase Bank Auto has reported my transactions and experiences, particularly a late payment that you have posted on my consumer report :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-16
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:
I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX  Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX Reference # XXXX to remove my personal information and prove this debt. 


According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution should share my information with a third party.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me from when they receive dispute information.

These are clear violations of my federally protected consumer rights.

They violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the 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 non-monetary relief
Consumer complaint received 2018-10-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was XXXX on XX/XX/XXXX17 and the following month 's XXXX payment of {$730.00} was stolen while the only card for the account was in my property at jail! How is that even possible .... Further more when I got out a year later they refused to refund the money cause it was over 90 days. I had the only card locked and protected by XXXX county 's finest ( the XXXX county sheriff 's department ) How could anyone get access to my account? How I understand it all this time later is there was a prepaid card issued and the funds stolen that way. but how can they issue me a card and I not know it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NV
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 my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-05-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had {$710.00} transferred to XXXX different people who I do not know on XX/XX/XXXX through XXXX. I reported it to my bank, USAA, who has done nothing to help the situation. I did not give any of my information out or have any scam/fraud calls to me. Also the same day I had a fraudulent attempt on my card to buy {$230.00} in gift cards that did not get authorized. USAA has said they looked into it but it is not fraud. I have never used XXXX in the past, this was the first time it had been used and not by me. The bank does not seem interested in resolving the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They sent out a pre-legal notice as a scare tactic for a Debt. I do not owe or have a contract with them to pay them for services or Money they gave me. 

I just received a letter in the mail that looked like it was posted on their end on XX/XX/23 at the top. But is just now receiving it. 

But never received anything beforehand. They said they made several attempts to contact me. But sent nothing or I would have disputed it. 

I have not signed for anything, I do not have a contract or anything else with this company. 

I do not have that name or address as written in their letter as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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