BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: KEYCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Dear Sir/Madam, I am writing to file a formal complaint against KeyBank for XXXX discrimination in the lending process. My name is XXXX XXXX, and I recently applied for an auto loan of {$20000.00} from KeyBank. However, my application was denied, and I strongly believe it was due to my XXXX 

As a federally regulated institution, KeyBank is obligated to follow federal laws and regulations that prohibit XXXX discrimination in lending, such as the Equal Credit Opportunity Act ( ECOA ) and the Fair Housing Act. These laws aim to ensure that all individuals are treated fairly and equally when seeking credit. 

Despite these legal protections, I feel that KeyBank failed to adhere to these standards and engaged in discriminatory practices during my loan application process. I was not provided with a clear reason for my loan denial and was left feeling that my application was unfairly judged based on my race. 

I am filing this complaint with both the National Fair Housing Alliance and the Consumer Financial Protection Bureau to request that they investigate this incident and hold KeyBank accountable for any discriminatory practices. As an affected consumer, I believe it is important to hold financial institutions accountable for any actions that violate federal laws and regulations. 

I request that the National Fair Housing Alliance and the Consumer Financial Protection Bureau investigate my complaint and take appropriate action against KeyBank if found guilty of violating these laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: EQUIFAX, INC.
State: CA
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:
While checking my personal credit report, which I acquired fromEquifax. I noticed an unauthorized inquiry made by your company XXXX XXXX on XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I found mold in the apartment I had mold test done the mold report came back higher than the company has ever seen for ( i have proof and mold reports ) when i called my insurance company they told me to move and sent me reienbusment for some of damaged items. The XXXX XXXX took case to court and the case was thrown out do to the apartment not having enough proof that I owe them anything do to me having to vacate becuase the condtions in the home was unbearable i have alot of proof from emails to photo video and i can retrive the court docments any time if its needed I DONT OWE THIS DEBIT I WILL NOT PAY ANYHTING I DONT OWE i have a large file of photos and videos i can send via email and i can also go get thr supporting court documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was open with my information i tried disputing it several times and asked for proof they never send proof and keep making me make payment on this account that doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: TX
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 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance XXXX {$610.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 2020-03-26
Company: CAPITAL ONE FINANCIAL 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The Capital one representative opened the dispute for the transaction I had never requested causing my air plan ticket cancellation, i had to pay triple price for the new ticket. I asked supervisor from dispute department to investigate the case and find out whos mistake was it. Ms XXXX # XXXX informed me that someone from record reviewing department confirmed that I personally requested. I told here that it is absolutely impossible and some one falsify the conversation transcript. I ask her to provide transcript to me for my investigation she refuse to do so. 
Unprofessional job of the dispute department personal caused my air plane ticket last minute cancellation, even more disturbing the fact that investigation was not completed properly and report on investigation was falsified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
This is my formal complaint to TransUnion for allowing fraudulent inquiries on my credit report. I sent them a letter but no further action has been taken. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report? I have filed an FTC report which I included in here with the report number 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 2023-03-23
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

THE BUREAUS and XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-05-10
Company: EQUIFAX, INC.
State: GA
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:
If have disputed this account on several occasions for the inaccuracies being reported on my credit report & falsified documentation in my contract agreement. 
After reviewing my updated credit report that I received from a previous dispute that was provided to me by XXXX ( Confirmation # XXXX ) Dated for XX/XX/XXXX I found the following Errors on my report & Requested Validation Document : ( Please refer to copy of credit report attached ) Date of last payment is inaccurate : ( XX/XX/XXXX ) ( I previously contacted the collector requesting a Validation of this account ; I asked that all documentation on file be mailed to my address listed above ). In the documentation it shows that the Repossession Date is XX/XX/XXXX. Therefore, the date of last payment that is being reported I was no longer in possession of the vehicle. Truthfully throughout this lease agreement I never made a single payment towards the vehicle, due to my younger adulthood irresponsibilitys. 
Repossession Law in the state of Georgia states that : Georgia Code Section 10-1-36 outlines the debtors options following car repossession. The lender must notify you of your rights to redeem the car within 10 days of repossession. I never received any notification from the finance company when or where I could reobtain my vehicle if willing. There is no document attached with the requested validation information pertaining to me retrieving the vehicle after repossession. 
In the requested Validation documents the contract states that I paid a down payment of {$2000.00} which in fact I did not. The car sales man coerced me into getting the vehicle and settled for a down payment of {$500.00}. I was advised to tell the Finance company when they called to verify my information after purchase that I would need to tell them I paid a down payment of {$2000.00}, if not the Finance company would take the car back if they found out I only paid {$500.00} down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: CT
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:
Reporting late or missed payment. Who are they? How can you pay your bills on time and your score still goes down? Like other credit reporting agencies are they too getting lazy and just going with boilerplate response. There seems to be a automatic roadblock for people of XXXX to get credit. Its not just XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. based on FCRA section 605b Credit Reporting Agencies, the 3 credit bureaus required to remove any items listed on an id theft report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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 2018-04-05
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approve to start the refinance process onXX/XX/XXXX. Today on XX/XX/XXXX they notify me that the property is no longer FHA approved and they can not proceed. There was a lack of communication throughout the process. They should have inquired in the beginning of the process rather than towards the end. I've asked them to review my phone conversations and to review lack of transparency from the staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed an item on my credit report on XX/XX/2023. Attached to that dispute was a copy of an identity theft report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Transunion should have already removed this item due to the identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) states the following ( a ) Block. 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX sent me a letter for a PayPal debt of {$200.00}. I dont have a PayPal account and do not owe this debt. The phone numbers on the letter and on the companys website differ which seems fraudulent. 
I have been unable to reach someone to resolve this and this seems to be some sort of mail scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NY
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 XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: Westlake Services, LLC
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 information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone tried to open a bank account at Bank of America with my social security number and e-mail address

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 2023-05-06
Company: Experian Information Solutions Inc.
State: VA
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 any 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 : {$21000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00}, XXXX XXXX  XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

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 2021-01-08
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX financed through Santander Consumer USA. The amount financed was {$21000.00} with a 24.84 % APR for 72 months. As of XX/XX/XXXX I have paid {$5100.00} towards the car loan and have a balance of {$24000.00} ( my balance is {$2900.00} more than my original finance amount ). I have never missed a payment on this loan, but due to the XXXX pandemic had made arrangements with Santander to defer some of the months to the end of the loan to provide financial relief as my income and work had been impacted by the pandemic. 

On XX/XX/XXXX I went to a XXXX XXXX XXXX to get information on refinancing my loan. At this time the credit union made me aware of how upside down I was on this loan. The informed me that the value of the vehicle is {$13000.00} and in order to refinance I would have to pay the difference of {$10000.00}. After doing some research I realized I had been the victim of subprime lending and that Santander had been in a lawsuit it seems they lost in XXXX about the subprime lending practices they were engaging in. Unfortunately, I was not part of this lawsuit as I just found out about it on XX/XX/XXXX. I called Santander on XX/XX/XXXX to try and renegotiate the terms of the loan as it is difficult to 1 ) pay {$570.00} per month since the pandemic and 2 ) I owe more than I borrowed even after making payments. Santander is unable to negotiate with me and at this time I am seeking some assistance as I am the victim of predatory lending in the midst of a pandemic that greatly impacted my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Sallie Mae then Navient I paid for the loan through them for over 15 years and the loan never came down they just stole money I paid back triple the amount I borrowed I had it moved to XXXX and they forgave loan Navient owes me a lot of money back as a refund

Company response to consumer: Closed with explanation