BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
i have a KEYBANK account now and had one in the past and it closed on XX/XX/2022 and confirmed by XXXX supervisor, XXXX, XXXX, XXXX, XXXX and a few keybank reps. so, my school didn't look right and sent funds to the closed account on XX/XX/2022 and they kept the funds even though the account is closed. this is a big gap between dates. they sent the account to a third party on XX/XX/2022, so it is not keybank anymore and they touch my personal info and my funds that weren't suppossed to be deposited there as the account was closed. i belive one has to give the right for a payment to be authorized. however, all keybank agents are stating it shouldn't have gone through and funds shoule be return. moreover, when i call the bank and it's been a month now, they just pass me around to several departments and lie over and over they change dates over and over and then balme the keybank direct resolution department and then tell me it's actually XXXX XXXX XXXX  and XXXX  tells me its KeyBank. KB tells me supervisors and higher ups will call me and nothing no one can do anything. the alst agent said he was a higher up of a higher up and the answer was " its XXXX XXXX  who doesn't want to give funds they settle and then when i question him he said it was keybank resolution department and that was final. i informed them that i am in the verge of getting taken out of school because of the funds were to help school and they don't care and i even told them that the funds went into wrong account it had to go to open account and they keep lying and i told them i didn't authorized any funds to be use as payment.and keybank or XXXX XXXX  don't care

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/20 I received an fraud prevention email about a XXXX ride purchase using my credit card number. I clicked the button indicating that I didnt recognize the purchase and immediately called Capital One. My card had been used for several rides so I disputed the charges and was given a credit for each charge. About a month later I noticed the credits had been reversed. I called and was told that XXXX disputed the chargebacks and that I should elevate the case to the fraud department. I did and was credited again for the charges. Then on XX/XX/20 the charges returned again! I called and was told that I wasnt allowed to file the charges as fraud since I had already filed them as disputed charges and that I should have responded to a letter about disputes two months prior. I didnt respond to the letter because I assumed my case was elevated to the fraud department and that superseded the regular dispute. Both the initial representative who recommended I escalate the case to and transferred me to the fraud department AND the fraud department representative who processed the claim should have known whether or not I could file the case as fraud or not! I was given misinformation all around and misled to believe that the charges were taken care of. I can clearly show the ride history on my XXXX app and the charges on my card do not match. It shouldnt be so difficult to get my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX of 2020 I used a sister branch ATM to deposit {$2000.00} cash to my savings account. It was not immediately posted to my account. The bank issued a provisional credit one week later and 60 days later reversed the credit resulting in funds being taken from my checking and my account being over drawn. The sister branch found the error and issued the credit days later. My bank has yet to release the funds and credit my account. They also have incorrectly taken {$1800.00} out of my checking account. They have been rude and very unhelpful during this entire process. My accounts are both in danger due to their negligence and incorrect processing.

The sister credit union was very cooperative and even called the institution to help address the issue and correct the error. They are very concerned by how its being handled by Navy Federal since they were on the calls with me they have first hand knowledge as to how they have responded to this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit reportng Agenccies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$26.00} XXXX  XXXX XXXX Balance Owed : {$5.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Owed : {$85.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$79.00}

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 non-monetary relief
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: TN
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:
assignee creditors are pesonating beneficial owner and making false reports of balances aka proceeds aka security interest belonging to beneficial owner are due to them and are extorting from beneficial owner aka consumer aka natural person pursuant to 31 CFR 306.11

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 2016-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning TransUnion reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that TransUnion can change the balance owed to XXXX and take the word dispute off 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 2015-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have paid my intouch account credit card balance of XXXX {$.00} however the credit report XXXX still shows as balance XXXX {$.00} request to help me in clearing this from the reports as it impacts my credit score even though I paid my balance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Account Number Num : XXXX XXXX : CFPB Case Num : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also is listed bellowed as an attachment. You could see the account information as it appear in my credit repot. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters delete and correct the disputed item as soon as possible. I have attached copy of all the correspondence regarding this issued with XXXX XXXX. 

Due to the age of the account was closed on XXXX XXXX, XXXX with a zero balance. It has been more that 8 years. The company has reported to the bureaus, to remove the account from the credit report. 

Thank you for the opportunity to clarified this issued. 

XXXX XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Account Number Num : XXXX XXXX : CFPB XXXX XXXX : XXXX Attachment of the 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 explanation
Consumer complaint received 2019-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 Re : XXXX & Portfolio Assoc collecting agency Dear  Sir/Madam : XXXX & Portfolio must be removed from my credit report for several specific reasons. They never sent me a bill. Second the amount is inaccurate. Third I contacted them numerous times about not receiving a bill and they could not answer my questions nor did they have information about my account. Then after many months I eventually moved and never received a bill either at my new address. 

Then they sold the account to a new collection agency and they two have never sent an accurate bill to me and the information they list on all three credit bureaus is inaccurate. 

Furthermore I do not wish to assist them with providing either my new address or any personal information for fear they may simply update the credit report or begin harassment. They do not have either my address or my phone number! 

I tried to resolve this issue through XXXX credit council but to no avail. 

Can you advise how to proceed without providing them any assistance to harass me? 

Lastly they violate FCRA. So they must remove both items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX  data breach and may have got into the hands of the wrong person. 


1 ) XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX XXXX XXXX 6 ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2016-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Bureau is reporting an account with XXXX a student loan supplier as being over 180 days late ... .account has been in deferment for a number of years and has never been late, yet they claim to have validated the debt which I previously supplied documentation showing that it has been in deferment and never late. The derogatory information being supplied by Transunion is completely inaccurate, I want all derogatory items removed immediately because they have NO first hand knowledge of any of those accounts.

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 2015-06-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX invalid and prematurely placed liens reporting in the public records section of my file. lien 's labeled under ID # XXXX and ID # XXXX need to be removed. I have repeatedly disputed these accounts as they have been removed from my name and are no longer on my name in the county and federal courts. These liens were accidentally placed and no longer valid nor have been valid for years now. I keep relaying this information to Equifax to remove them but they refuse and keep verifying it as mine but do not conduct a proper investigation to see that they are NO LONGER ON FILE and are not linked to my name. They refuse me any procedures or any description so that I may see how or who has verified this to be accurate. i do not believe that they have conducted a legal investigation at all. they continue to violate the law and they are ruining my life. please, can the CFPB and FTC help assist me in holding this company responsible for their fake investigative duties and their lack of proper correspondence with the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
account resolution services XXXX bought " my '' credit file from XXXX XXXX Florida XXXX XXXX. they call XXXX XXXX XXXX times a day they mail bills and in doing so they are asking for full amount owed due to emergency room visit that are XXXX over the original amount there are XXXX collections on my XXXX and XXXX report, the problem is XXXX XXXX  waived the dept because of income except for XXXX of the XXXX amount meaning that XXXX of the XXXX had a XXXX $ balance that is now XXXX $ XXXX per claim against me. further they on my credit report change the date to the current date every month making it impossible to ever fall off my record. I am in dispute status with XXXX and with XXXX over these XXXX claims but the results were that they were valid and this can not be because the dates are changing plus the forgiveness of dept in the first place by the hospital. also XXXXXXXX XXXX said Florida physicians charges as well but that this is the problem when you go the ER at XXXX XXXX you don't see a doctor ( physicians ) you see nurses practitioners so why a separate bill to see a doctor when you never saw a doctor. these XXXX injustices need to be removed from all 3 Major credit report agencies and ARCS should be fined for date changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 'm dealing with Allied Collection Services over a medical debt from XXXX. Under threat of the debt being reported to the credit agencies, which could result in me losing my professional license and my ability to receive the business loan I need to start a business five years in the making, I agreed to start making monthly payments with the stipulation I not accept responsibility for the debt. I had been keeping track of the balance owed and called to reconcile my balance sheet at which time I learned {$2800.00} in collection fees and interest had been added to my account, more than three times the legal limit of XXXX + the prime rate of the largest Nevada bank. Allied claimed the creditor added it prior to sending it to collection, the creditor said they add on what Allied tells them to in order to cover the cost of hiring Allied to collect the debt. Over 45 days ago I asked both Allied and the original creditor for a copy of any payment agreement I signed agreeing to pay this amount of interest and fees. Allied said the original creditor would have it if something like that exists. The creditor says the payment agreement I signed is somewhere in storage and it would take two weeks before they MAY be able to retrieve it. I called again today, 47 days after the original request and they said they had n't gotten it yet and to give them another two or three weeks. Allied wants another payment immediately. XXXX XXXX, the rep for Allied said not making a payment will result in the credit agencies receiving the debt, my payment agreement becoming void, and a lawsuit filed against me for the balance. 
Also, as you can see on the documents I 've attached, most of the {$3500.00} I 've paid toward the debt has been put toward interest and fees instead of to the principal as mandated by Nevada statue 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 2017-08-15
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, In XXXX of 2016, I received a phone call from Navy Federal CU/Credit card division that they were offering me a special to bring my account current for two months and that in XXXX my account would go back to its current amount due. I had lost my job earlier that year and was having a hard time finding another one. In XXXX, when I went to make my payment ... .the account was still past due and the representative told me that she could not honor that agreement. I asked what was going on and basically I could n't get an answer. I was confused by no-one helped me. Instead, they closed my account and brought the entire debt due. It 's disappointing because I had other credit card companies that worked with me every step of the way and got paid off. Of course, this has negatively impacted my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was unable to make my regular scheduled payment and had notified the branch office where my loan was obtained, as you must deal with the location that issued the loan. The branch thanked me for notifying them and indicated since it was so close to the end of the month, my loan would likely move from their office to the corporate office. Just a few days later, " the corporate office '' contacted XXXX phone numbers, only XXXX of which was my business phone number. When I questioned why they had called XXXX different numbers, some of which are in no way associated with me, I was told " because you were n't in touch or responding ''. When I said I had just been in touch with the branch office less than 1 week ago, the individual said " do you wish to file a complaint? ". I had responded affirmatively, as there was no reason for 6 calls in a short period of time on the same day to all different phone numbers. About 1 to 2 weeks later, I was notified the issue was with the Executive Customer Care team. I heard nothing further. A few weeks later, I was notified the case & complaint had been closed. I immediately sent an email to the person assigned to the complaint. He then called me and told me he had left me a message and I never returned his call. When I told him there was no call from him and I had proof, he went on to explain they have access to a database or something similar that provides possible related phone numbers. I again reiterated, 1st he never addressed my complaint, 2nd, he never made any contact with me prior to that day. He stumbled & stuttered in an attempt to cover up his failures. When I questioned him in regards to the outrageous number of calls, especially when I had been in touch with the branch just days prior to this event and if contacting all these numbers was just an attempt to humiliate and intimidate me. He did not deny my accusation, just once again reiterated the database with possible related phone numbers. It was clear I was not getting any resolution from the " Executive Customer Care '' team. I had indicated at that time that I would file a formal complaint against Springleaf Financial. He assured me, despite my decision, they had removed any of the potential phone numbers associated with me and would only contact me on the phone number I had provided. Subsequently, Springleaf has once again contacted phone numbers other than mine, indicating they can not contact me and " have an important business matter to discuss with me ''. If this is n't harassment and humiliation, I honestly do n't know what else it could be.

Company response to consumer: Closed with explanation