BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
To whom this may concern, My name is XXXX XXXX & I am submitting this complaint because of a fraudulent transaction that significantly withdrew all my funds from my checking account. The bank ( Key Bank ) is now forcing me to repay all the funds & threatening to send it to collections if I dont pay in a short period of time. 

It started in XXXX of XXXX  when a fraudulent transaction was charged on my bank account. The transaction totaled {$4500.00} which was basically my entire savings. Once I noticed this transaction, I reported it as fraudulent to Key Bank. Key Bank originally was helpful and was able to refund the money to my account in a timely manner. For safety purposes I withdrew the money from my Key Bank checking account & set up a new account with a different financial institution. Weeks later I received a letter stating that Key Bank has reversed its original position that the charge was fraudulent & I owe them {$4500.00}. My Key Bank checking account is now stating a defecate of {$4500.00} & have made repeated threats that if I do not pay them, they will send the account to collections. 

Per your guidelines of submitting a complaint, I believe a fair resolution would be for Key Bank to stick its originally decision, that the charge was fraudulent & stop any attempt to send my checking account to collections which would be devastating to my credit report. 

Thank you for all your help & support.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
Company Name : XXXX  XXXX XXXX XXXX ( XXXX ) ; Account Number : XXXX. This account has been previously disputed through the CFPB portal as well as XXXX, XXXX and XXXX for the account being inaccurately reported to the credit reporting agencies. The account was disputed on XX/XX/XXXX and XX/XX/XXXX through the CFPB portal. On XX/XX/XXXX I received a IRS Form 1099-C for an  amount of {$950.00} from the creditor ( XXXX. ) I have attached a copy of the IRS Form 1099-C. I have never entered any agreement with the creditor to cancel this debt or settle any portion or amount thereof. This is a charged off account and is bound by FCRA regulation to be removed 7 years after the first date of delinquency or any inaccuracy such as the one in this complaint and previous complaints. However, in my previous disputes I have disputed the balance on the account is incorrect and both the creditor and credit reporting agencies have failed to correct or delete the inaccurate information from my credit file. As you can see in the attached copy of my credit report, the account shows a balance of {$1200.00} but the IRS FORM 1099-C shows a balance of {$950.00}. As you can see the amounts are significantly different and this is a contradiction. Therefore a violation of the Fair Credit Reporting Act has taken place. This item is to be deleted/removed immediately from all of my credit files at all credit reporting agencies for reporting an incorrect balance. Since XXXX is reporting an amount of {$950.00} on IRS FORM 1099-C, that is the amount that should reflect all of my credit files and it is not which is a deceptive practice and resulting an inaccurate credit item.Per the FCRA, a consumer ( s )  credit file must be 100 % accurate and this credit item clearly is not. Furthermore, I received correspondence from XXXX dated XX/XX/XXXX stating that they have tried to correct/update the credit limit with the credit reporting agencies to ( {$0.00} ) and they have been unsuccessful. ( See attachment. ) XXXX and the credit reporting agencies have had plenty of time to correct the information so that a accurate credit item is shown and they still have failed to do so. Please refer to the attachments : Copy of credit report showing a {$1200.00} balance, copy of form 1099-C showing a {$950.00} balance ; copy of correspondence from XXXX dated XX/XX/XXXX admitting their failure to correct/update 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 2021-11-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2023-03-03
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Transworld Systems Inc ( debt collector ) on behalf of a former employer, XXXX XXXX. The letter stated I owed {$5900.00} but didnt explain why. I also never received any notice directly from XXXX XXXX requesting payment. My credit score could be impacted without me knowing why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: EQUIFAX, INC.
State: OH
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:
No Contract with creditor. 
Refused to validate the debt per Federal law requirements Would not provide a forensic analysis as requested to prove account balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Coast to Coast Financial 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: Information belongs to someone else

Complaint:
There is no written communication or any legal proof for the alleged debt to claim ownership anybody can send a bill but that doesn't mean the debt is legitimate. I do not recall being associated with this company. FDCPA section 809 states if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

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 2021-10-05
Company: ONLINE Information Services, Inc.
State: OH
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:
My medical debt was reported before the 180 days grace period. Collection account sent to credit burea in XX/XX/2021. Reported to credit bureaus XX/XX/2021 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have been following my credit report since Identity theft. They are still reporting me as delinquency on three accounts. Bad payment on four accounts Pass due XXXX I am not accountable for any of this. My bills are paid on time I have been working with XXXX to correct this error for many years now they would correct it and then repeat the same error. Because of Identity theft I was sent to the fraud department and also passed along to other departments recently. I was only been late on my mortgage back in XXXX one time and one time XXXX because of my spouse death. before his passing we were never late. The bill was paid in full by the state of XXXXinancial Controller and cleared. Hopefully that should come off my credit in a timely manner. I have tried XXXX boost with a referral of communication over the phone. went online put my information in. It has been a couple of years now there still checking and have not seen my utilities bills, as shows. I do have utilities bill and they are paid on timely basis. I would not be able to function in my home, If I didn't have utilities. I have given them my information and this company tells me to reach out to them, and when I do nothing changes. Yes they sound good when there talking to you but give it time there word is unfairly not true.

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 2021-10-05
Company: Garcadia Financial LLC
State: MO
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 unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a Coinbase ccount when Coinbase began. I am continuously locked out of my account for one reasoning or another. This time I have not been able to access my account since XXXX. I have sent email after email to their support. I have called. I even opened a Coinbase wallet to try and access my funds that way but to no avail. I am fed up. They say no two factor authentication, to which I even sent them what they asked for ad copy of my driver license. Nothing. I'm still locked out. I can not see my balance which was at over {$500.00} in XXXX. This is not fair nr right. I shouldn't have this problem accessing something of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Absolute Collections Corp.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call from XXXX and spoke with XXXX XXXX ( employee ID XXXX ) from ACC and advised me that if I don't pay this payday loan I will be served with a summons today ( XX/XX/XXXX ) or tomorrow ( XX/XX/XXXX ). I asked him for information on this loan. He stated it was applied for online on XX/XX/XXXX and 3 payments of {$100.00} were made. I advised him that I did not take out this loan and never made payments on it. I told him all of the information used to get this loan was not accurate at the time. He advised the last payment was on XX/XX/XXXX and then he said it was on XX/XX/XXXX. He even gave me the references that they used, one was my father and the other was XXXX XXXX which I advised him I have no clue who she is. I let him know that the statute of limitations has expired in CA so they can't sue me but regardless this is not my debt and never received any collection notices. I asked that he send me validation of the debt but he said that would have to be requested with the records department and they most likely wouldn't do it since they're about to sue me. He said if I pay the balance due today I can avoid getting sued. He said he would talk to his office manager and get back to me to see what we can do. I told him this is not my debt and I needed to see some paperwork and he said I would see it today when I get sued.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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 is missing that should be on the report

Complaint:
Individual student loans were reported to the credit bureaus as in good standing. This provided my 28 year credit history. These were then removed and reported as one loan consolidated after I consolidated them and the 28 year history was removed which dropped my credit score due to it now only showing 7 month of credit history. These loans were supposed to stay on to show my 28 year history

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: Chime Financial Inc
State: MO
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 debit card was used in another state without my permission. Over {$200.00} was spent on a sports betting website which I have never heard of, as well as an XXXX in Texas. I've been in Missouri the whole time, and I filed a police report. I called the XXXX in Texas, and the manager gave me the name of whoever used it. I gave that information to police. 

My bank keeps telling me " no error occured '', which makes no sense considering I didn't authorize the transactions. My bank even texted me asking if I was authorizing a transaction from the very merchant in question, to which I replied " No '', indicating I did not authorize the transaction. Why would i authorize XXXX transactions but not a XXXX? I wasn't even aware of the other transactions until the text I received caused me to check my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Ad Astra Recovery Services Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX SERVICES This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TD BANK US HOLDING COMPANY
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I have had an hard inquiry on my credit account that I did not have nothing to do with. That company is Target FIN/TD-PRVTE LABL ( retailer )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my Debit card. I last used my card XX/XX/2023 at earlier for {$30.00}. I realized I lost my card on XX/XX/2023 when I opened my online banking I called customer service to order a new card. I then became aware of lot of unauthorized transactions that had been done while my card was lost. I realized I lost my card when I opened my online banking and saw the unauthorized transactions on XX/XX/2023.I then became aware of few unauthorized transactions that had been done while my card was lost. Those transactions actions were XX/XX/2023 amount {$2100.00} XX/XX/2023 amount {$860.00} XX/XX/2023 amount {$460.00} XX/XX/2023 amount {$2.00} XX/XX/2023 amount {$2100.00} XX/XX/2023 amount {$37.00} XX/XX/2023 amount {$100.00} XX/XX/2023 amount {$520.00} XX/XX/2023 amount {$1200.00} XX/XX/2023 amount {$110.00} XX/XX/2023 amount {$540.00} XX/XX/2023 amount {$160.00} XX/XX/2023 amount {$43.00} XX/XX/2023 amount {$13.00} XX/XX/2023 amount {$4.00} XX/XX/2023 amount {$13.00} XX/XX/2023 amount {$58.00} XX/XX/2023 amount {$240.00} XX/XX/2023 amount {$230.00} XX/XX/2023 amount {$220.00} I was filed a claim when transactions are still pending and after two days they denied my claim and forcing me to accept that you made the transactions I filed a dispute on XX/XX/2023. On XX/XX/2023 I was said by the bank that my Dispute was denied. How could they investigate my dispute in less than 2 days I'm very hurt and offended and live on a fixed income. I have made several calls and attempts to rectify this situation. The bank still refuses to credit my account due to this fraud. will you please help me? The transactions was made in my Texas I live in CA hows that possible, Please help me getting back my money. Claim reference no : XXXX Bank WellsFargo

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