BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX my Key Bank debit card was used to make multiple charges to some place called ( XXXX ) XXXX XXXX XXXXXXXX Pa Usa. There are many different charges and of different amounts. I do not know what this place is and I did not make or authorize any of these charges. I filed a dispute with Key Bank, but they declined my dispute. I disputed it again as I am not a fault for these charges. My dispute was denied again! I am not sure why my dispute is being denied, but I am now on the hook for purchases that I did not make. This is not right and I don't know what to do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good afternoon. I am a XXXX XXXX XXXX XXXX XXXX  with a checking account through PNC bank. I am in my XXXX XXXX XXXX XXXX and working hard to achieve success. Im often studying or in class. I worked almost everyday this past summer to make over {$2000.00}. I have NEVER disputed any charge in the past nor have I ever been the victim of fraud. Additionally, Ive never lost my card or misplaced it and it is always with me. Additionally I have never shared my account info or log in info with anyone. I realized in XXXX that my account had been hacked and numerous fraudulent charges had been made. The majority of the charges were fraudulent. I contacted my bank immediately. I disputed every charge that was fraudulent and then later even went to the PNC branch on XXXX. I returned home today for the holiday break and received numerous notifications from PNC that my disputed transactions were denied and not returned. The PNC website currently notes that theres been an increase in fraud, however, they are unwilling to return my money. PNC targets XXXX XXXX and advertises how secure they are. 
Their lack of quick response and unwillingness to return my money is unacceptable. Many people have to work hard to make a little money and should not be taken advantage of by a large bank. As a result of their unwillingness to refund my money, I have lost approximately {$1000.00}. 
I appreciate any guidance you may provide. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account was charged off by the original collector whom their company owes me a 1099 by law due to this alleged debt being over {$600.00} as law states which means how can this company collect on debt that has absolutely been paid for due to a charge off with taxes. 
Also, in accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, account number XXXX and LVNV FUNDING LLC account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Dovenmuehle Mortgage, Inc.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was discharged in a bankruptcy inXX/XX/XXXX. SXXXX XXXX is saying I owe mortgage payments from XXXX, XXXX, XXXX XX/XX/XXXXwhen those payments were paid. They reversed the 4 mortgage payments and applied them to XXXX XXXX Fees. I have been requesting information sinceXX/XX/XXXX and have gotten absolutely no concrete answers on the process of their payment postings, nor what the charges or fees they are claiming. I have constantly been transferred from the " Bankruptcy Dept '' to the " Consumer Loan Dept '' to the " Colle ctions Dept '' to the " Loss Mitigation Dept '' over and over again since XX/XX/XXXXattempting to resolve this issue. When I finally get an e-mail from their " Research Dept '', they are now claiming even more money by taking 4 of my mortgage payments for " fees and costs '' associated with my bankruptcy but with no documents showing where my money was applied to. It is now going on 7 months of no resolution with this bank. I keep getting several different answers/responses with no documentation to prove what they are saying. They have reversed {$2100.00} of what I paid in mortgage payments with NO Notification that they applied those monies elsewhere. Therefore, they are claiming I was late on payments and have charged late fees, caused my credit rating to fall even lower after a bankruptcy discharge. 
I feel this " bank '' is dishonest, continually passing me to one department to another without giving proof on what they have done with my mortgage payments and therefore accusing me of being behind on payments. As of XX/XX/XXXX, I still have not been able to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
No action was tooking by this company and also try to get in contact with a senior adviser but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX To Whom It May Concern, This letter is being sent to you in response to correspondence received in the USPS.

This is a notice that your claim is denied and disputed. 
Under the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request validation of the debt you say I owe. 

I am requesting proof that : 1. I am indeed the party you are asking to pay this debt 2. You possess original creditor documentation/business records with a full accounting using the XXXX XXXX XXXX Principles for charges, payments, interest, etc. of the amount of this debt that be presented as evidence. Also, explain and show me how you calculated what you say I owe. 
3. Your claim is legally supported by a sworn affidavit from someone with personal knowledge of these business records, where in this informational age anyone could have 4. There is some valid contractual obligation which is binding on me to pay this debt, and 5. You, as a debt collection debut buyer, produce documentation from the alleged creditor authorizing you to report this alleged and pursue collections of an alleged debt. 

Your legal staff will agree to compliance with this request under the laws of Georgia and Federal Statutes. Note, there are no record in Georgia Business search that gives you authorization to collect in the state of Georgia. 

Also, be advised that this letter is not only a formal dispute, but a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-01-31
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX. I purchased a car with a loan via Credit Acceptance. XX/XX/XXXX the car was totaled in an accident. My insurance paid off the loan. I missed a payment in XX/XX/XXXX due to the accident, And are refusing to close the account and damaging my credit despite the fact that my insurance covered the missed payment.

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 2022-03-28
Company: Paypal Holdings, Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I have had a PayPal XXXX XXXX  I left a negative or a XXXX balance on it because I was no longer going to use the card and there was a couple of accounts that I was paying with that card that I wanted also to cancel it so in order to cancel I just was going to let him go ahead and try to run charge on the card it would decline it and then that would close out the account with XXXX or something with XXXX well this was a XXXX XXXX PayPal and what they decided to do was when I XXXX  ran the charge they went ahead and paid it and they wanted me to pay for it two years now they have been hounding me for this money and I kept telling them I didn't ask for them to give me credit this was a cash card I'm just using it for when I have the money to pay the stuff I left a negative about a XXXX balance so that way when these other accounts try to charge the money wouldn't be there the account would been closed and I move on well I don't know because if I try to use that card for groceries or gas, something else, they wouldn't give me {$20.00} credit for that but being it was with XXXX they went ahead and paid it and have been hounding me for the money now they've turned it over to collections to scar my credit over {$28.00} that I could pay but out of sheer principal of them doing that, without me being able to get credit from them for anything else other than XXXX which is which is XXXX so it's it's wrong it's wrong and I'm reporting it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CNG HOLDINGS INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Why Not Lease It, based in XXXX OH, has called me several times for several the last several days prior to XXXX am local time ( Mountain Time Zone ). In total, I have received 17 calls before XXXX am local time ( Mountain Time Zone ) over the last 6 business days. I have called them back and am told it is an attempt to collect a debt. While, I full acknowledge having an open lease agreement with the organization that has been and is current, never once late or delinquent, I have no past due amount. Further, when I spoke with a gentlemen today, and asked why they were calling me at this hour, I was told " pay your bills and we won't call you. '' At that moment he went into his this is an attempt to collect a debt and all information gathered will be used to collect the debt referenced. I demanded to speak with a manager. I was turned over to XXXX at that time and made mention that I knew that they were violating the law. He said yes your right. The purpose of the call was a " WELCOME CALL '' not to collect a debt as I was informed. Sadly the same welcome call was completed on XX/XX/2020. I have asked several times to stop these calls and am told they can and will not. At this time, I ask that they been investigated and punished accordingly. I plan to speak with legal counsel today on this matter and will seek further personal legal remedies on this matter including damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I deposited my employers check for the past 3 years once a month. I have deposited thru the ATM and usually a weekend I have funds available on Monday or Tuesday. I deposited check from my employer ( happens to be a XXXX ) drawn on a local bank and the ATM put a 3 day hold which I was not expecting. Deposited on Sat XX/XX/18 and funds not available until XX/XX/18 by XXXX XXXX  Is this a new way of B OF A sticking it to the people that have had the same practice of banking for the past 15 years. Now, not aware of this hold until after I had done some online payments, I will now be charged NSF fees. Fees should not occur to the member during this time. I called the bank and rep just said I was aware of fees when I opened the account and time of disclosure. A real help in my case! I don't know if anyone else is starting to have this issue.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX. On XX/XX/2023, I deposited through the mobile application a check in amount of {$4300.00} in my Wells Fargo checking account. The check was drawn against another personal account of mine opened at XXXX. 
Right away, Wells Fargo made available the amount of {$400.00}, stating that the rest of {$3900.00} would be made available on the next business day, XX/XX/2023. 
XXXX. On XX/XX/2023, Wells Fargo revoked the previous decision and put the entire amount of {$4300.00} on hold until XX/XX/2023. 
XXXX. Then, on XX/XX/2023, Wells Fargo again changed its previous decision and extended the hold on the entire amount until XX/XX/2023. 

As a result, today, XX/XX/2023, I called Well Fargo and, after speaking with XXXX different people, the resolution was that there's nothing that can be done to release the hold because XXXX marked the check as " potential fraud ''. 
In response, I contacted XXXX right away and they confirmed that ( XXXX ) not only there was no fraud alert on their side but ( XXXX ) they had already honored the check on XX/XX/2023. 

What this means is that Wells Fargo continues its well-known dishonest behavior. XXXX paid the check, but Well Fargo has unilaterally decided to put my funds on hold, with all the repercussion... on XX/XX/2023 I did not have enough funds to pay my mortgage ( also at Wells Fargo ) and my money is not available at any of the XXXX banks.

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 2023-07-22
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The EXPERIAN AND XXXX Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-10
Company: Experian Information Solutions Inc.
State: DC
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 WAS LOOKING OVER MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY REPORT ( XXXX XXXX ). I DISPUTED THESE ITEMS WITH THE CREDIT REPORTING AGENCIES TO NO AVAIL. I FILED AN IDENTITY THEFT REPORT ALONG WITH A POLICE REPORT AND THEN SAW THAT THERE WERE MORE ACCOUNTS ADDED AFTER THAT. SO I THEN FILED ANOTHER POLICE REPORT ( XXXX. XXXX ). 

ACCOUNTS ARE BUT NOT LIMITED TO : XXXX XXXX XXXX XXXXXXXX XXXX  ( TWICE ) XXXX XXXX XXXX XXXX XXXX THERE IS ALSO A XXXX XXXX XXXX XXXX ACCOUNT THAT I DISPUTED WITH ALL THREE CREDIT REPORTING AGENCIES NUMEROUS TIMES. THIS ACCOUNT HAS BEEN REMOVED BY TWO OF THE AGENCIES ( XXXX XXXX XXXX ). Experian HAS REFUSED TO FOLLOW SUIT. AS THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON 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 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My XXXX  check written for {$4300.00} was cashed not by company I wrote it to and I tried stopping the check and XXXX put in a claim with Bank of America on XXXX and Bank of America refuses to respond

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 2023-07-21
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We have a loan with EnerBank USA ( owed by Regions Bank ) to finance the purchase of new windows for our house. This is a 7 year, 0 % interest loan which we have been paying through auto-pay since the inception of the loan in XX/XX/XXXX. While reviewing our checking account statement today, we noticed that they withdrew our payment amount of {$350.00} twice, once on XX/XX/XXXX and again on XX/XX/XXXX. 
I called EnerBank to question the charge, and they informed me that they were aware of issues with their auto-pay, but we had not received any communication from them that this issue was taking place. I was told that even though the issue was on their side, I was still going to have to go through a refund request process which includes me writing a letter to them to request the payment be refunded to me and sending them a screen-shot of my bank statement to show that the payments had cleared and that we had a positive balance after the money came out. This makes no sense at all because when we log into our EnerBank account website, it clearly shows both payments have been credited to our account. 
At this point, I asked what agency oversees them so I could file a compliant. The representative laughed, and told me that I could report it to the XXXX XXXX XXXX. This is obviously ridiculous because the XXXX  has no regulatory authority whatsoever. It seems fishy that a representative of the bank would not know what their regulatory agency is.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Consider this as a follow-up complaint to ensure the verification of this account : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} This account has not been validated despite the multiples request to do so. I am here to reinclude this account for another investigation for I believe it is reported erroneously.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion, XXXX and XXXX are reporting inaccurate information in regards to my XXXX  XXXX credit limit and credit card balance on my credit report. Please view the attachments... under the " FCRA '' I HAVE THE RIGHT TO DISPUTE INACCURATE /ERRORS/ FALSE 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