BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My fiance ' and I opened an account with Keybank. While opening the account we explained why we were opening a joint account. Which was because we had just recently sold a house that we renovated and the funds were coming in the form of a wire in the amount of {$57000.00}. Since the house was in both my fiance and my name, so had to be the bank account. When the wire came through our online banking was restricted and we were instructed to call and from there instructed to go into the bank and show identification. The next morning I headed into the bank only to be informed that our account had been frozen and the funds were now under investigation and what prompted the investigation was that I had a previous account with XXXX XXXX  that I owed {$420.00}. This was XX/XX/XXXX. The very next day we went back to the bank to speak with the branch manager and brought all the paperwork from the title company with us. The branch manager explained that the funds hadnt been processed yet and that once they were she would close the account and give us a cashiers check in a few days, specifically XXXX XXXX. She also stated that she had no use for the paperwork we brought in. We contacted her the morning of the XXXX and she told us to come up to pick up the check. XXXX minutes later the young lady who had opened the account called us back and told us not to come because the account would be under investigation for 30 days and that our money could not be released until the investigation was completed. Is is now XXXX XXXX and I have yet to speak to anyone in regards to when our funds will be released and haven't gotten official correspondence from the investigators.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have made several attempts with the agency to delete addresses and Names that do not belong to me. I have given them my proper Name and address and it seems that experience continues to report an accuracies on my credit report. These and accuracies jeopardize my credit worthiness and any future and accuracies can hinder me from pursuing forward in life. 
I have recently tried to attempt to have these inaccuracies removed and I received an email from them a couple of days ago saying that it seems that it was not for me and they will not make any changes to my credit report I've worn them on several occasions. In my recent attempt I even notified them that I will be taking them to court to sue them and still they refuse the honor my requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 
[ Dept of ED/ XXXX ( account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXX XXXX  XXXX  XXXX account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXX XXXX XXXX account # XXXX Balance XXXX ] Fraud Account ] [ XXXX  XXXX ( account # XXXX Balance XXXX ) Account never late please remove negative information. ] [ XXXX XXXX  ( account # XXXX Balance XXXX ) Account never late please remove negative 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 non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NC
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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello : Once SunTrust merged and became Truist I began receiving overdraft fees in abundance. On XX/XX/22 I contacted Truist and told the Customer Service agent that their Available Balance info was not being properly updated to include ALL transactions, holds and pending items, despite Truist having a note next to the available balance that reads : " Your available balance is the money currently available to make purchases, withdrawals, and payments. This balance is updated throughout the day with the transactions you make, including pending transactions and holds. It does not include bill pay checks or checks you've written or deposited that have not yet posted. This balance is used in making payment decisions and triggering overdraft fees if applicable. '' Despite that statement, I would later be charged overdraft fees for items listed in " XXXX XXXX Transactions '' as pending transactions when balance available above does not show a negative balance. I have screenshots and phone recordings with the bank. There is no way I should be charged an overdraft fee for a charge that's listed as pending when according to Truist 's statement right next to my available balance, that pending transaction would have been included in my available balance above. Therefore, as soon as that transaction is pending my available balance should've been negative. Yet my balance never showed negative for this transaction. In fact, I received a bank notification at XXXXXXXX XXXX stating my balance was {$19.00}, then at XXXXXXXX XXXX I received a text saying my account was negative {$14.00}. Then at XXXX I checked my account to find it's negative {$42.00}. 

I was also charged overdraft fees on XX/XX/22, XX/XX/22, and XX/XX/22. I truly believe Truist is not accurately reflecting all transactions, holds, and pending transactions in customer available balances. I do not write checks, so that is not applicable to me. These frequent overdrafts make me look financially irresponsible when I am not. I pay my bills early or on time and keep a running budget of expenses, spending, and bill due dates. This should not be happening and I want to close my account with Truist and go to another bank. Myself and many of their customers feel they are crooks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I checked customer complaints online and on XXXX and found many customers have been receiving constant XXXX fees since SunTrust became Truist. I think they are being dishonest in the way they post customer available balances in order to charge overdraft fees. I have screenshots and dates that I'd like to provide. 

Thank you.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Was not notified of investigation status or results

Complaint:
i mailed on XX/XX/XXXX dispute letter. 

i did not have a reply until XX/XX/XXXX and they only asked for i.d or proof of identity, which i did send.

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 2023-06-23
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX mirage and got financing with santander auto on XX/XX/XXXX the car was totaled no fault of mine I was stopped in traffic. My insurance paid off 100 % of the vehicle and told me I wasn't responsible for my deductible because I wasn't at fault. Now santander is trying to get {$1200.00} from me when my insurance company told me they paid 100 % of the car. I still have no vehicle I'm still under doctor care and not working they have been told all this and do not care now my credit is completely screwed thanks to them and they will not remove it from my credit or drop the money I Do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been with Capital One since 2017, I am a good client. I had to go over seas and thought I had no balance however I have now XXXX late payments which killed my credit scores. I have worked hard to have perfect credit for many years. Is there anything that can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX. Conns Account Number XXXX I have sent Conns letters of dispute and I received no reply of proof to legally verify this account, which has exceeded the 45 days. Therefore, XXXX 's legally has to permanently remove this from my credit. XXXX and XXXX have both deleted this account because there was no proof and the information reported was inaccurate. Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Equifax In reviewing my credit report from Equifax, I found unauthorized addresses. I made numerous attempts to resolve this matter via Equifax automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX XXXX XXXX GA XXXX 2. XXXX XXXX XXXX XXXX GA XXXX 3. XXXX XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted Experian over XXXX different times to inform them about and incorrect information being furnished on a consumer report about me. Today I decided to call them directly due to the fact that they have ignored me continuously and failed to correct the errors they were committing. I called Experian and got a representative who's name was XXXX and I informed him about the inaccuracies and incomplete information on the consumer report which were : Personal information : address ; XXXX XXXX XXXX XXXX, NY XXXX, I have never resided at this address and it does not belong to me. Address ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, this address is incomplete innacurrate. Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX these are not my correct name, my only name is XXXX XXXX XXXX. I also informed them about XXXX accounts reporting innacurrate, incomplete and false information the accounts were XXXX DEPARTMENT OF EDUCATION XXXX and XXXX DEPARTMENT OF EDUCATION XXXX these accounts have incomplete payment history, the payment history is inacurate, balance is innacurrate, account status is innacurrate. The representative XXXX acted as if he was filling the dispute to remove the information but instead started to speak to me aggressively and attempting to harass me over the phone, he then hung up the phone once I requested a supervisor. I then called back and spoke to XXXX XXXX employee who told me he doesn't have to serve me and hung up the phone on me aswell. I feel hurt, distraught and disrespected by Experian and its employees and can't seem to understand why they are treating me so unfairly. This will not end here as I will ensure that all of you are held responsible for your agregious acts against consumer 's like me. Experian has violated my privacy and destroyed my confidence in the banking system, they have assumed a role in my life and I am notifying them that the assumption is not accepted or appreciated by me and I will put you back in your place, where you belong the XXXXXXXX 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 2019-07-28
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was purchasing concert tickets for a XXXX XXXX concert today XX/XX/2019 through a XXXX post. Seller and I agreed to use PayPal and XXXX for the transaction. I sent payment through PayPal and she stated she didnt receive it because I sent it as a transaction for a good instead of friend and family. So I asked for a refund and I would resend as friends and family. Seller stated she didnt know how, so I sent payment again to separate email that belonged to her boyfriend and asked her to refund once funds were available in her PayPal account and she agreed. Once the money transaction was complete I checked XXXX for over an hour and not tickets, I tried to reach out and was blocked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I traded in My XXXX XXXX XXXX and it was paid off. Currently of my XXXX credit Report it is showing the Balance of {$12000.00} and the last date reported is XX/XX/XXXX. Also it is currently showing past due and I have not made a payment since XXXX which is incorrect. I never missed a payment and it was paid in full on XX/XX/XXXX. Please see attach letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
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: Old information reappears or never goes away

Complaint:
There was a collection for XXXX on my credit file that I have been fighting for some time. It is over 7 years old but kept going from collection company to collection company and always being re-aged as to when the companies picked up the account. The company that they are reporting now is, XXXX XXXX. Equifax and XXXX report it one month then not the next. This thing is over 7 years old and no money is owed. I just received noticed from my credit monitoring site that they put it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Called I. To pay off my current loan Ace said they had to wait until Monday because they already took a payment today and I would have to pay extra in fees based on the days. They said that because of my state they cant take more than one payment. If I authorize them to take the money now they should be but they said they couldnt and I would have to make extra payments it was all due to my state and not the company greed. After being upset I called back and asked if I could go into one of the stores I was told yes and the woman at the store said I couldnt because even though its the same company she could t see anything due to their system. I asked her to call that I was trying to avoid extra fees and she refused to even try. You should be able to make a same day payoff and they are refusing, I feel like its some scheme for the company to take advantage of people and this is what call actual. Lawsuits are about. Im more than sure Im not the only person having these types of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have received two phone calls in the last month regarding store credit cards being opened in my name. I have not been to either of these stores nor have I opened any additional credit cards. This is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have asked these credit bureaus numerous times to removed fraudulent inquiries on my credit report and they will not help me. I have reported them all and the agencies will not properly removed them according to the FCRA GUIDELINES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX These inquiries are not authorized and are not verified!! 

As well as the debt collection from XXXX XXXX ( XXXX ) in which I have documents from stating I am NOT responsible for!! I will attach documents!

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I Recently sent in a Dispute letter to Experian Regarding Inquiries i didnt approve. I also attached an official FTC report with the letter. The inquiries below i did not approve and i want these removed from my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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