BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have recently filed a dispute claim with KeyBank, because I have had {$500.00} transferred out of my account every day for a total of {$6.00}, XXXX without my knowledge, from XX/XX/21-XX/XX/21. I did not even know about this until I could not log into my online banking account, because my pin was changed. I found this strange because I did not change any of my information, so I called customer service. They put me on hold again and again just to transfer me to people from the same department when I wanted to talk to someone who could actually help me. Not only was my information changed and I could not access my account, they told me I only had {$400.00} left in my account which was a complete shock to me-I receive unemployment every week so I knew that this was not possible. So when I was finally able to log in again, I saw that money had been transferred out of my account. At this point I filed a claim. My claim has been denied for the reason that " The cardholder authorized the transaction ''. However, I did not receive any notifications of suspicious activity on my account, and I was completely unaware of this situation. I did not authorize any of these transactions and this issue should be looked into further. I think someone got a hold of my account information, unless I got hacked. Either way, I did not receive any notification that money has been transferred out of my account. Furthermore, the account that my money has been transferred to is completely unfamiliar to me and I would like to hold this person who stole my money responsible for their actions. I have tried to email KeyBank through the General Comments and Feedback form and the Credit Bureau Dispute Form both of which did not go through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account Name : XXXX XXXX XXXX Account : XXXX Account Type : Auto Loan GM Financial has violated my rights and privacy as of 10/11/23 according to 15 U.S.C. 1681a ( 2 ) ( B ) & 15 USC 1666B ( a ) by sharing a personal experience of a late payment on my credit report without my consent or request which is illegal. My credit has dropped XXXX points after years of working hard to maintain and fix my credit.This is directly affecting my business and personal matters. I have reached out to GM Financial to resolve this matter but have been unsuccessful reaching an agent who was willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have reached out to Experian and XXXX to do research into this invalid collection and provided documentation, no real investigation has been done. I continue to receive an update that says the collection is valid as per the collection agency but with no evidence that I owe this {$170.00} dollars. 
XXXX XXXX collection agency refuses to cease collection activity on a debt not owed to them. The original creditor in which they have stated I owe have been in communication with me via email and I have submitted letter and documentation that I no longer owe any amounts and my account was paid in full. The original creditor XXXX provided correspondence through its presidents office and stated on email I owe XXXX no more money and did mention there was a collection fee of {$170.00} left on my account that would be deleted as they did not use the collection agency, I paid the creditor directly. With this email the collection agency along with the credit reporting agency continue to report this account in which the debt is invalid. I have disputed the validity of this entire debt as I have no business with this collection agency I owe them no money and am not liable for a collection fee in which they collected no 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Put my address back on my Experian credit report account today. And update my credit reports for 2023 of this months XX/XX/2023 today for XXXX, XXXX, Experian to the lastest credit report of 2023 of XX/XX/XXXX Thxs

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 2023-08-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Army and Air Force Exchange Service
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: Account information incorrect

Complaint:
AAFES ( Army Air Force Exchange Services ) has incorrectly reported my payment status on my credit report for the past 4 years. AAFES states my late payment status was reported due to the minimum payment not being accurate. AAFES never notified me that there was an issue and refuses to correct their mistake, the lack of communication, that led to the faulty reporting. I have reconciled account problem with customer service with no issues, but the credit reporting department refuses to come to any sort of amicable resolution on the matter.

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 2023-11-02
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Colorado Housing and Finance Authority ( CHFA ) is not allowing us to make a payment directly to our escrow account. They demand a payment of my mortgage payment before I can pay online. They said they would take a check, or payment online. I ended up making the payment on the phone, they did waive the fee after complaining. I was not provided a receipt and only a confirmation number. I asked for an email receipt in which they refused and said its not in their policy. 

I am requesting an investigation into this companies ' practices for billing and management of my escrow account. This company also refused to let me manager my taxes and insurance. They refuse to remove my escrow. CHFA is not in the fair practice of business in my opinion they lack credibility and seem to be all about profit not the consumer. 

If you look at their reviews online this story matches others complaints too. They have a XXXX start on XXXX XXXX XXXX  on XXXX and are one of the worst companies I have gone with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear CFPB representative, On XX/XX/23, I noticed my account had 3 unauthorized withdrawals made in California in the amount of {$2800.00}. I immediately called Bank of America and froze the account but the representative had not initiate a claim until I called in again a few days ( by calling in again regarding the credit ). I later learnt that the unauthorized transactions were done via the teller window and the CCTV footage had been pulled on XX/XX/23. Every time I call BoA, the fraud department alleged the case is being investigated ( which takes 60-90 days ) and no updates. On XX/XX/23, I called again and asked when I would get my {$2800.00} back, the answer I received was " we can't credit the account until the investigation is completed which takes 60-90 days ( same old story ) ''. I insisted to speak to a supervisor and about to file a claim on CFPB. After holding the call for about 10 minutes, the rep. told me she can credit my account with a provisional credit of {$2800.00} and I was hoping the investigation would finish soon. 

A week later, I called again and no result. Today ( XX/XX/23 ), I just made a call and was told the same thing again, the investigation takes 60-90 days. I don't understand why it takes so long to investigate when the CCTV footage had been captured. I just need my money back now, not just provisional credit. 

I have the case number to my claim, if needed, I can provide to you. 

thanks for helping.

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 2023-11-02
Company: ADP Inc.
State: AL
Product: Prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I started working at XXXX XXXX on XX/XX/XXXX. I received the Wisely by ADP card for my tips and paychecks. When I began working I gave my employer my social security card and ID. When they went to activate my card they sent in the wrong social security number. My employer and I have contacted them six times now ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX being the 4th time ) to get this matter resolved. They requested for me to send my ID and Social Security Card over which I have done 4 times now. 

Yesterday was the third time I have sent the documents as requested over and was told to call back in 24 hours and it should be fixed. This has been going on for almost 3 weeks now. I have sent the info they wanted and still can not get my card fixed so that I can get my paycheck which is how I eat. Please help me get this fixed. I have no money to my name and I have been paid through this card many times and can not get to the money yet. I NEED THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Westlake Services, LLC
State: KY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am owed a refund from a financial company that I had a loan through, they are refunding the money on a prepaid card that is useless where I live. I want a check or cash to use where I want when I want. this type of payment is useless to me and thus is just stealing my money that is owed to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: VW Credit
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting the correction of 30, and 60 day late reporting on my credit. Audi Financial Services failed to set up autopay, resulting in money not being withdrawn from my bank account. I called in early XXXX to set up autopay and was assured by an Audi/VW finance rep that everything was in fact set up. Apparently the autopay was not set properly by one of their reps, resulting in 2 negative marks on my credit. Please see the attached letter I sent to Audi as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/2023 ATTN : Equifax Legal Department , Ive just reviewed my credit report and noticed the following inaccurate item XXXX  with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). 
In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
PNC bank put me in a fee generating account two years ago without my knowledge and has been charging me {$13.00} a month for the last two years. I believe it all started when I visited a branch and one of the tellers tried to up-sell me into an interest checking account. I told her that I wasn't interested because I don't keep enough of a balance to cover the minimum they were demanding. The teller must of done it anyways because I just noticed that I have been getting charged {$13.00} for nearly two years. I didn't realize they were charging me because I don't look at my statements often enough, because this is NOT my primary use account it's only a backup account for me. I immediately called them to complain after realizing this and they were accusing me of being negligent. I provided them statements showing that before the fees were bing applied, my account was a free checking account and I asked them to provide me the evidence that I chose to convert it to this new fee account. They refused to discuss the issue and told me to just close the account if I wasn't happy. I believe that the teller from my visit may have converted my account to meet a quota and never expected me to find out because I don't check the account often enough. All my attempts to reach their corporate office were met with them refusing to admit their mistake and greed attempt to capitalize from my account. I am left with only this option and I hope that it gets somewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To Whom it may concern : In XX/XX/2019 I moved to XXXX, the XXXX for a new job. In XX/XX/2019, I lost my wallet. I called all of my credit card companies and reported that I had lost my wallet. With some of the companies, I had no issue getting a new credit card sent to my new address in XXXX and others I had a little more trouble with. Since my TD Bank credit card was one that I had trouble receiving at my new address, I figured that I'd wait until I returned back to the US to pick the credit card up then. 

On XX/XX/2019, I called into TD bank to have my card mailed to my US address so that I would be able to pick it up from my house while home for XXXX. 
Upon speaking with an agent they informed me that TD bank had closed my card and would not be reissuing me a new one. I then spoke to the " supervisor on duty '' who informed me that TD had chosen to not reissue my card due to the card not being used enough. When I explained that I had lost the card when I first moved overseas he simply stated he was sorry and that if I want the card back that I would need to reapply. 

I'm writing this complaint because I believe my card was unjustly shut down. I'm still making payments on the card, I like the credit card and the fact that I haven't " used it in a long time '' seems like a very soft reason to shut it down. Furthermore, how do you expect someone to use their credit card if you don't ship it to their address outside of the country? 

I have the police report from the city of XXXX and will be submitting a copy in order to corroborate this information. Again, I feel as though my credit card account was unjustly shut down and would like to have it reopened. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have received 3 Amex rewards cards in the amount of {$25.00} a piece in the past year. I've tried many time to use them. Ive tried using them everywhere that accepts Amex cards. They are always declined and my purchase is always with in the balance amount. They just don't work. And when you call them to check your balance the give the balance and tell you it is active and it should work, but give no explanation as to why they aren't working. They give me a number that is for XXXX and XXXX gift cards that does absolutly nothing to help. I am frustrated beyond words. I just received a new one from my company again a few days ago and tried today, XX/XX/2023, to use and the card was declined. I called again and was given that number to call XXXX XXXX XXXX which is for a XXXX or XXXX gift card. No help at all. I have all the account numbers, expiration dates and balance of all the cards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX, or TransUnion credit report, and I noticed some closed collection accounts posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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