BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX LLC Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. They Did NOT REMOVE this account instead they closed this account on my credit report as i asked that it be REMOVED.

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 2021-05-11
Company: KEYCORP
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am unemployed in Indiana and receiving employment benefits by the state that are auto deposited into Key Bank. Key bank and the employment division had issued me a debit card where I was able to access my benefits each week on Mondays. I have been receiving these benefits for about three months in this manner. Today I went to the Key Bank ATM at XXXX XXXX XXXX in XXXX Indiana to withdrawal my benefits. The ATM machine had some kind of mechanical issue and during the transaction put a message on the screen that " this machine is being serviced at this time. You can use your ATM card at any participating Key Bank location ... '' and the machine tried to return my card. It made some strange noises from the card slot like it was trying to eject it but it never came out. 

I went inside to explain that the atm had some type of problem and did not return my card. I asked the teller to return my card to me so that I could withdrawal my funds from the account. He told me since it was a state employment card and not a key bank atm card that he could not return it. I asked him to then let me finish my benefits withdrawal and he would not do it. I asked him several times to give me my money and he told me to leave. 

I called corporate office at XXXX and spoke to XXXX XXXX part of the " white glove '' team for customer service. I explained the situation and that it was theft that the bank has refused to allow me to withdrawal my money from their bank. They told me they were going to investigate it and get back to me asap. 

I am unemployed and so is my wife. I have XXXX kids at home and we depend on that very small amount of money each week to feed our kids. At this time I do not know how or when I will receive my money or if I will ever. I called the bank manager again at the branch were this happened and he told us that he destroyed the card and that I would have to order another one. Because this card comes from the employment office and not directly from the Bank, it may take weeks for me to receive a new card just to be able to withdrawal my weekly benefits. 

I am outraged that a financial institution that has been entrusted with the money of the State of Indiana that is allocated to unemployed beneficiaries for those funds and they have chosen to withhold my benefits without cause or any due process. This equals theft of my money which is also governmental funds.

Key bank needs to be investigated and this privilege for Key bank to be able to manage these funds needs to be revoked since they can not be trusted to take care of the many thousands of citizens that are struggling due to Covid-19. This overt act of theft is criminal and needs to be prosecuted. 

I would like CFPB to investigate this to find out if other people are experiencing these activities and to get my benefits paid to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mtg. escrow had an overage of XXXX, which was suppose to be mailed out on XX/XX/2021. As of XX/XX/2021 I have not received the check. I have talk to the Loan care several times. They said I had to wait 30 days before they can reissue the check. But they never mailed it because I have received two bills, and two other letters form them since XX/XX/XXXX. I want my check they are holding from my overage in escrow.

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 2021-11-10
Company: EQUIFAX, INC.
State: IL
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 AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. XXXX, Equifax, and XXXX violated my rights as a consumer, I also included a screenshot of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$640.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$21.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries on my credit report that I did but give authorization to nor was I aware of. 
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
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: LA
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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2000.00}, 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 2023-02-03
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2022, I have attempted several times to dispute the transactions with XXXX, but either they do not understand, or they just refuse to listen. I have listed the items in the attached papers, with the final amount disputed of : {$1100.00} Two the excursions I did not even go on, those two amounted to : {$370.00} ( See yellow highlighted area ). They did in fact acknowledge that they charged me twice for two other items and would issue a credit for that. 
Then I was charged a total from this card, a total that I am disputing with you, but only {$1200.00} was authorized, as XXXX had already charged my XXXX ( Checking Account ) in the amount of {$1100.00}. 
I have attempted so many times to explain the discrepancies with them, but they have refused to understand that I was overcharged and charged for items I did not attend and timely de-scheduled. One of the items was canceled, and then put back on the schedule, but by that time they had already taken me off the schedule and I was scheduled for something else. 
Please kindly review the included documents and I dispute the complete charges from XXXX. I accept the listed items but I do not find it fair I have been charged for items either twice or in absence of me attending due to their error. 
Despite the many emails sent to CitiBank Credit card, and the ample documented evidence, they have refused to refund me the monies owed. I showed them the duplicate charges, that even XXXX admitted to but nothing is ever done. This is a substantial amount of money and Citibank refuses to do something about the many documented fraudulent charges made by XXXX, including the duplicate charges. 
I started my dispute with Citibank XX/XX/2022, realizing the duplicate and non-participating charges ( they said I went on excursions, I clearly did not ). I got nothing from them, and again requested assistance in XX/XX/2022, then after a denial of the claim because someone failed to read the CLEAR duplicate charges and the non-participating charges made in such an egregious amount, it was denied again. They were not even looking into it or disputing it for me. They let XXXX get away with clear amounts of fraudulent charges.

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 2021-05-11
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
My account is more 180 days, I sent all my info for get verify. 
Please I need you help me with this issue. 
Let me access to my money please. 
I see my account don't have any dispute or chargeback. 

my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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:
XXXX XXXX- {$1700.00} XXXX XXXX  I have reported this account numerous times because it's fraud. I don't know nothing about this account. 


XXXX XXXX XXXX XXXX XXXX ) {$600.00} Reported on my report XXXX XXXX I know nothing about this report because I'm not aware of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted several times back-to-back from a debt collector saying they were check and go. They called me several times in the morning. I answered and told two agents I was at work and couldn't talk and that they send me a letter to verify said debt. The one rep who was a male immediately begin to curse at m and say, " Just pay the bill XXXX, we're taking you to court '' and hung up. I told them several times to send me a letter and not to call me during the hours of 8 and 5 pm and that they could send me a letter. They then begin to leave voicemails saying I had a " order of judgment '' against me and It was filed in court on XX/XX/2021. I've asked them to produce a signed contract showing me that I am the owner of this debt and when I said that I was cursed out again and hung up on. I am ready to seek legal action against the company for the constant harassment and scare tactics. They've even threatened that they will be showing up to my job to serve me papers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX I have proceeded to send all ignored/disregarded disputes and complaints to the following personnel at your agency 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 Chief Executive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PLEASE SEE ALL ATTACHED FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
The unverified XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. You have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and being sued by the Attorney General of Virginia and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to low score. XXXX XXXX has no license in the state of Virginia which is a violation of the Virginias law and still continue to report the fraudulent account claiming that was verified but provide no evidence of the verification and ignoring all the facts requested affecting my credit for years without taking consideration of all the emotional, metal and economical aspect affecting my family and I to secure the basic need of owning for the first time a house. This account should not be reported in my credit.

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 2021-04-13
Company: MiraMed Revenue Group LLC
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:
MIRAMED REVENUE GROUP reported to XXXX XX/XX/XXXX that an account from XXXX XXXX XXXX XXXX XXXX was a new collection. This account has been paid and is continuing to resurface on my credit report. Called The office of XXXX XXXX XXXX who the bill was originally paid to and the billing department told me that I have no balances due but that because I had no account open with them that they could not issue me a XXXX balance letter to have the accounts removed. 
Account number XXXX Account number XXXX For amounts of XXXX and XXXX but they are reporting as XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was reviewing my credit report and noticed some inaccurate information that I did not authorize. I sent out letters to the company over 30 days ago and still haven't got a response. These accounts are hindering, it is keeping from getting an auto loan or a mortgage. Please verify and remove these items from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX  I was charged a late fee of {$39.00} by TRUIST. They said my recurring payment was not set up properly. On this day I was on the phone with a representative for about 45 minutes and had him make sure my recurring payment was set up properly so that this would not happen again in the future. They were kind enough to refund my late fee on this day and I was thankful for the refund. 

On XX/XX/ I was hit with another late fee on the same account for my recurring payment apparently not being set up properly. I was under the false positive impression that my recurring payment was set up correctly from my previous customer service conversation and late pay situation on XX/XX/. 

On XX/XX/XXXX  I was called by TRUIST in an attempt to collect a payment on my now past due account ( this was news to me ) I then explained to them that a representative would have helped me set up my recurring payment in XXXX why has it not been paying? They then told me today that my recurring payment was not set up properly and was cancelled ( I did not cancel this nor could they tell me who cancelled it or why it was cancelled ) I then was told about a different method to set up recurring payment today which requires me to send in a signed document ( this was never mentioned to me on my previous interaction with TRUIST in XXXX ) I was charged a late payment this time again of {$39.00} and they refuse to refund me for this late fee even though it is their fault for assuring me my recurring payment was set up correctly but it was not. 

These kinds of things happened to me when they were BB & T this is very unfair. I'm being penalized for their technical and/or customer service related incompetence.

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 2021-05-11
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:
There are 8 accounts on my credit report that do not belong to me I have not signed for anything or approved anything and I dont have any of these cards I have opened an FTC regarding this and nothing is being done I need help. 

Account Name : XXXX XXXX BANK XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX BANK XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX BANK Account Number : XXXX Account Name : XXXX  XXXX BANK NA Account Number : XXXX Account Name : XXXX  XXXX BANK Account Number : XXXX Account Name : XXXX  XXXX BANK NA Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: M&T BANK CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card was stolen on the evening of XX/XX/21. When I realized that the card was gone on the morning of XX/XX/21, I immediately called the bank and discovered that several fraudulent charges were made at stores I have never been to. I disputed the claims with the bank but then received notification roughly one week later that my claim was denied and I would therefore be held responsible for these charges, which total {$1700.00}.

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