BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Had 2 charges come out of my account and I disputed them. Was promised my claim was expedited and that I would receive my funds within a few days and funds were never dispersed. Told by several different employees my new debit card was being sent and it never was. It was canceled 3x. My problem has not been handled and passed off and blown off by multiple people of keybank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Credit Karma, LLC
State: TN
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/2023 my checking account with Credit Karma money was charged {$820.00} at XXXX XXXX. I contacted Credit Karma after I was contacted by another creditor that my payment hadnt gone through. I then realized I didnt have my card. A new card was ordered and I submitted a dispute as instructed by the agent. On XX/XX/XXXX I received the results of their investigation as a legitimate charge. I called again immediately as I absolutely did not make this charge nor authorized it. I found out by calling XXXX they require a membership to even purchase anything from their store which I do not have. I argued again with credit karma money who did everything but help me in this situation ( absolutely did nothing at all ) According to the warehouse manager they reviewed the footage and informed me it was a gentleman and a rough guess of age would be mid 40s. I informed them of the situation and they had no knowledge of any dispute submitted!! My husband is a police officer I am fully aware of how the system works. They not only allowed a very large purchase which should of been suspicious in the first place but they did absolutely nothing to help me as the customer resolve it. The only response Ive received is there is nothing we can do nor willing to help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: PA
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back in 2020, I and my XXXX XXXX opened up a joint savings account with both our names on it, I had complete authorization and access to this account The amount deposited into the account was {$1300.00}. I was asked to move into my aunt 's house to take care, of her so I took out {$1000.00} to do some repairs on her house. My aunt 's friend found out about the account and took my name off of it and put hers on it. The bank then took {$1000.00} from my account without permission and gave it back to my aunt and her friend, saying it was a teller error. I know that they have cameras in the bank and computer access to find out what happened to my account. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: United Collection Bureau, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have spoken to United Collections Bureau Inc regarding a bill sent to me for medical provider services. I explained to them that I have insurance that was never billed. They told me that they sent the information and it was returned. I called them on XX/XX/XXXX and explain that my insurance company was never billed. All they wanted was for me to pay. I asked for the information on the company that sent it and an itemized bill. I was told that they dont need to provide that to me and I needed to " XXXX XXXX it. I finally found the originator XXXX XXXX XXXX and they said because they had a bad home address they immediately sent it to collections and can not do anything to help me. The date of service was XX/XX/XXXX 6 months ago. I can not get them to bill my insurance to satisfy this bill and they refuse to do anything except ask for money to satisfy. I have spent 5 hours on the phone trying to get someone to do something and just get harassed and no effort to resolve/submit billing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NY
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 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 2023-01-10
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: Account status incorrect

Complaint:
XXXX has been paid in full. The company website has no way to attach receipts of 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 non-monetary relief
Consumer complaint received 2021-10-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I received an email from Fifth Third Bank stating " We're reaching out to let you know that your account ending in xxxxx requires prompt attention. '' I called and was told Fifth Third wanted to provide a " friendly reminder '' that my mortgage payment had not yet been received. I asked whether I was in default, which the representative denied. I was also informed I had until the XXXX of the month to pay without any late charges being assessed. I requested that Fifth Third refrain from providing such reminders in the future. 
On XX/XX/2021 I received a phone call from XXXX from someone claiming to be from Fifth Third who asked for personal information to verify the identity of the call recipient. I informed the caller I was at work, and declined to provide the requested information since I could not verify the true identity of the caller. 
While at work on XXXX XXXX I again received a missed call from the same number. 
Then again, while at work on XX/XX/2021 I received a call from the same number, again requesting personal information to verify my identity. I again declined to provide the information. The individual informed me they had urgent information about my Fifth Third account and that I needed to call the company immediately. 
I returned the call about 30 minutes later and asked the representative to record the call and provide me a transcript. I asked why I was being repeatedly contacted by Fifth Third while at work. I was informed the Collections Department was providing " friendly reminders '' about my mortgage account, although it was not in default. I asked why I was continuing to receive these calls when I had specifically requested not to be contacted with reminders. The representative was unable to provide a reason and offered to refer me to the Collections Department. After a lengthy hold, she informed me she would again process the request not to be contacted. She also refused to provide a transcript or recording of the call, stating those are available for internal use only. 
I would like Fifth Third Bank immediately stop the predatory and deceptive practices of unnecessarily contacting me, creating alarm about the status of my mortgage, and threatening me with action about my account because I refuse to provide them personal information any time they choose and in any manner they deem appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: NY
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 I walked in to the Bank of America located at XXXX XXXX XXXX. XXXX XXXX, CA with all the correct credentials and opened a student checking account with my student refund check received from XXXX XXXX XXXX XXXX XXXX. The check was held for 24 hours, clearing the next business day. for two weeks after I used my account without any issue. On or about XX/XX/2023 I started having problems of not being able to access my account online, use my debit card, or access the app. 

On XX/XX/2023 I called the customer service department of Bank of America and was told that my account was being closed. I was giving no reason why. After speaking with several representatives I was finally transferred to a " manager '' who stated that my account was in good standing and I should be able to go into a branch and access my funds. 

I in fact was not able to access my funds and was told there was a " verification issue '' with my account opening and it was being closed. I was further told I could not access MY funds in the account and that the bank would send a check by XX/XX/2023. 

This is totally unacceptable! Bank of America is holding my money XXXX. I am a XXXXyear old student living in XXXX California alone with no family. I now have no way to pay my bills or rent, or buy food because Bank of America is holding my money and telling me there is nothing they can do. I have no explanation of why the account is closed but most important and the only thing I care about is that Bank of America will not let me access my own 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 monetary relief
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: GA
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:
XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. XXXX started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time XXXX XXXX  of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through XXXX only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Capital One credit card paid off as soon as I got unemployment from the Covid epidemic Capital One Sold my debt apparently according to credit report Also this was all during Covid epidemic

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Resurgent Capital Services L.P.
State: AR
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:
There is a paid debt from XXXX XXXX that i have requested to be removed from my credit reports. I have paid this in full and asked that it be removed from all three bureau reports. Acct # XXXX I have also paid in full a debt from LVNV Funding and asked that it be removed from all credit reports the acct number for LVNV Funding is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When I log in to Equifax. 
XXXX XXXX XXXX XXXX XXXX I have not been able to log in at all with this message, " We are temporarily unable to complete this request. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions 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:
Paid off loan early and reporting late payments for XXXX and XXXX Self just closed the account in XX/XX/XXXX when final payment was XX/XX/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 2023-04-26
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Current Balance : {$630.00} Debt was placed on my credit report and now its damaged my credit bad I keep receiving mails at my residence and receiving emails and feel threatened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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: Account information incorrect

Complaint:
Paid off loan early and reporting late payments for XXXX and XXXX Self just closed the account in XX/XX/XXXX when final payment was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear Sirs, I come to you as aXXXX XXXX  XXXX vet on a fixed income. I have an account with Truist Bank, formally BB & T. I noticed an increase in NSF charges over this last year. Unfortunately, i have had many catastrophic issues in my family which consumed my time. As a result, I've placed my bills on budget pay to facilitate the necessary payments due. Here is the latest issue : On XX/XX/22 I had a balance of {$470.00} in my account XXXX. After charges totaling {$76.00} were paid, i was charged 3X {$36.00} in NSF fees. As i had time that day, i started researching my checking accounts XXXX & XXXX. From my statements for XXXX 2022-XXXX  2022, i found that i have been charged a total of 24 NSF fees XXXX a total of {$820.00}. 
1.Truist has a policy of notifying clients within 24 hours ( grace ). I have never been notified, thereby allowing me to add the necessary funds, although they have my updated ph # & email. I would generally get a mailing some 4-6days AFTER charges have been applied. Upon calling the bank, I would be told they can't refund the fees applied. 
2. I have 3 direct deposits : My husband 's employer, my SS and my VA XXXX. I have found that these NSF charges have been applied when the funds have been available or are due for deposit.Truist banking system will show a positive balance and during the course of the day, the positive balance would change to negative balance, causing accounts to be charged overdraft fees. They run all my pending bills into the negative, then charge my direct deposits multiple NSFs consistently. 
3. I have called multiple times and have been told that i have authorized overdraft protection which gives them the right to charge NSFs. However, according to their policies, my accounts should therefore be covered as there is always funds in either one or the other account. 
4. I have spoken to multiple Customer Service Reps since XXXX, only to be told, it is in the bank 's authority to charge the fees. Since XX/XX/22 alone, after continuously calling Truist and leaving messages twice daily, i have still not received any callbacks on this matter. 
I am asking for your help in this matter as i am unable to fight these predatory actions alone. 
Truist 's banking practices have made me suffer great loss and stress, while Truist is pocketing money from these fees. My contact information. 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 2023-02-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I HAD AN ACCOUNT WITH WELLS FARGO, THERE WERE SEVERAL TRANSACTIONS WHERE MONEY STARTED BEING MISSING FROM MY ACCOUNT, I NOTIFIED THE BANK ON MORE THAN ONE OCCASION AND I RECEIVED A NEW DEBIT CARD, SOME HOW THE FRAUD CONTINUED TO HAPPEN LEAVING ME TO BELIEVE THAT THE FRAUD WAS HAPPENING INSIDE OF THE BANK. I MADE A CLAIM WITH THE BANK TO GET MY MONEY BACK BUT THE CLAIM WAS DENIED. I HAVE SINCE INITIATED A CASE WITH THE XXXX XXXX POLICE DEPARTMENT. I NEED MY MONEY BACK AND ANYONE THAT WAS INVOLVED IN REMOVING MY FUNDS PROSECUTED FULLY.

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 2021-10-08
Company: EQUIFAX, INC.
State: PA
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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : ID, Identity Theft report

Company response to consumer: Closed with explanation