BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-07
Company: Incomm Holdings Inc.
State: MA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been in the habit of purchasing " XXXX XXXX XXXX '' and using them to load money into my XXXX account. Last year I purchased XXXX cards for {$500.00} each and did not immediately load them into my account. XX/XX/XXXX I scratched off the PIN on one of them and attempted to redeem it, only to be told that the PIN had already been used. I contacted the customer service number and provided the serial numbers of the other XXXX cards and was told that they too had been emptied, even though I had never scratched off and revealed their PINs. XXXX uses the XXXX XXXX XXXX to handle reloads and I submitted a dispute form to them. After 6 weeks hearing nothing, I contacted them again and was told that I had been the victim of a fraud and that there would be no funds returned to me. I asked how I could be the victim of a fraud here and they said that I allowed someone to get ahold of my PIN. I asked how I could have done that, since I did not know what the PIN was, given that the PIN was still hidden under a silver coating on the back of the card. 

They told me that I needed to file a police report and have the police investigator contact XXXX. This seems preposterous to me. If I go into a XXXX XXXX and purchase an XXXX and discover when I open the box that someone has substituted a brick, I do n't go to the police, I go to XXXX XXXX. 

XXXX XXXX XXXX has poor security and fraud detection and THEY released my funds to someone else. I was not robbed ; they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Account information incorrect

Complaint:
I paid a loan off that was taken out through my credit union at the beginning of the year and all three credit companies are reporting that I still have a balance. I received a response back saying they reviewed it and no changes were made. There is also a energy company that I've disputed several times because I have never had service with them nor have I ever lived at the address they are saying the service was. They have added a note to my report saying I have disputed this 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 explanation
Consumer complaint received 2023-10-19
Company: KEYCORP
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I opened an online savings account with Laurel Road ( a part of Key Bank ) on XX/XX/23. They approved the account right away and prompted me to deposit the money. I had to wait for them to approve my husband as a joint account holder, and it took them 11 days to do so. Nobody ever questioned our identity at any point during that process. Once he was approved, we sent them the money from another bank. Right away, they froze our online access and would not even give me the reason why. I continuously tried to find out when I would be able to access our account, especially considering that I could not even see if our transfer went through. They denied me access and would not disclose their reasons for blocking me from my online account or give me a timeframe when I could gain access to my own money. 

In the meantime, I did some research on this bank and found hundreds of complaints about this shady practice that followed the exact same scenario. This bank would arrest their customers funds for weeks or even months at a time. Right away, I demanded, via chat with the bank, that my account be closed and our money returned to us. The chat transcript that I saved clearly shows that I was the one closing this account even before there was any money in it. 

They did close my account but sent me a letter saying that it was their initiative, and they reported negative information to the consumer reporting agencies. I was not worried at the time since I did nothing wrong and was not expecting this bank to report anything of that sort. As I just found out, when applying for a checking account with a different bank, and was denied, that apparently, Key Bank reported identity fraud, which is an outright lie as it has never happened. They never even tried to verify my or my husbands identity. This reporting is outrageous, and damaging, and seems to be done with malicious intent to damage my record. The only fraud there was their own when they arrested our money under the pretense of " reviewing '' the account, for some reason even their representatives could not explain. 

This banks shady practice should not be permitted as they trick their customers into giving them money, and right after the transfer, they block online access to that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, I need to open a chargeback request for 5 transactions made with my debit card ending in XXXX. The shop never provided the merchandise, and also never gave an tracking or delivery information, and never answered the emails or several phone calls. 

XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXXXXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX it was a XXXX XXXXXXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, the expected delivery date was XX/XX/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 2023-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XX/XX/XXXX CREDIT XXXX BANK NA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SPEEDY CASH/CURO 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 non-monetary relief
Consumer complaint received 2022-12-25
Company: EQUIFAX, INC.
State: MS
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: TX
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 2022-09-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Mortgage and their subservicer XXXX XXXX do not provide an amortization schedule through their web portal. This prevents paperless customers from monitoring the progress of their loan and scheduling additional principle payments.

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 2019-04-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My problem is unusual. I previously had, but no longer, rewards program credit cards with Chase Bank. They have now evidently blackballed me from qualifying for their credit cards that offer good perks ( e.g., Chase Sapphire Preferred Card and Chase United MileagePlus Club ) - perhaps because I have no outstanding debt, therefore, not someone they can make much money off of, while meanwhile enjoying the perks at their expense ( i.e., not the sort of person their marketing is aimed at ). The stated reason repeatedly given is that the credit bureaus indicate I have too many recent applications, but lengthy time does not change the situation and there is no way to find out when I'll be clear again. I believe that this is a disingenuous practice. I've tried discussing this over the phone with Chase representatives, to no avail. It is also impossible to reach a person at the credit bureaus to discuss the details of one 's credit file, which is also not right. How can I learn where I stand? As you well know, credit ratings have a huge impact on peoples ' economic circumstances, and proper access should be required of those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Roundpoint made a disbursement from my mortgage escrow account in the amount of {$250.00}. I have followed up with roundpoint several time in a attempt to find out who the disbursement was to and why there was a disbursement. They have been unable to answer either of the questions so I have asked for a refund to be sent to me for the same amount ( {$250.00} ). On XX/XX/XXXX after talking to roundpoint 's customer service I was told that a check would be sent to me and I would have it in the next XXXX XXXX. it is XX/XX/XXXX and I still do not have not received the check or received answers about why or who the disbursement when to.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : Child support {$2000.00} account number XXXX XXXX XXXX XXXX {$1000.00} account number XXXX XXXX XXXX {$3000.00} account number XXXX XXXXXXXX XXXX {$560.00} account number XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$560.00} account number XXXXXXXX XXXX XXXX XXXX my rewards {$400.00} account number XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g violations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 168in ] 15USC {$1600.00} ( a ) ( 2 ) - ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
Best regards,

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 2017-01-17
Company: A.R.M. Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed bankruptcy XXXX XXXX, and after doing so, received a letter stating I owed for services I did not receive ( From XXXX ). I sent emails several times, XXXX XXXX, XXXX XXXX, as well as sent a letter dated XXXX XXXX, and made contact through XXXX ( several times ), who said they would tell the branch manager to call me. I spoke with the branch manager ( approximately 2 weeks ago ) and informed him of the bankruptcy and he said he was aware and would update his records and cease communication with me to collect the debt. I received a statement dated XXXX XXXX, XXXX from A.R.M. Solutions, Inc. on behalf of XXXX. This is very frustrating and causing so much XXXX as I explained my financial situation on top of being unemployed since XXXX XXXX. I wish to file this complain in regards to the statement of facts and recover any monies as imposed by the company violating the bankruptcy law.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im attaching documentation of a paid debt and removal from credit report which is still appearing on 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 2023-08-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 dates shown on my credit report for this account are not accurate. The date last reported for XXXX shows XX/XX/2023, XX/XX/2023 for XXXX, and XX/XX/2023 for Equifax. Last payment dates for XXXX are XX/XX/2023, XXXX XX/XX/2023, and for Equifax XX/XX/2023. With these incorrect dates, my credit report also shows an inaccurate 30 day late payment on XX/XX/23. Also, XXXX shows the account as closed, while XXXX and Equifax shows the account as paid. 

Account name : 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.

These inaccuracies are stopping me from getting the credit funding I need for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I leased a mercedes benz back on XX/XX/2023. The car was deemed a lemon by the dealership 4 days later. The dealership advised me that they will reach out to their corporate HQ for resolution and made my car payments until they had an answer. XXXX XXXX XXXX is an insurance company for mercedes paid off the vehicle today and gave me a refund of my down payment of XXXX. They advised me that Mercedes Financial services also sent them a check of XXXX for the vehicle. Mercedes benz Collection unit has this information in their system however they want me to send them either the payoff of XXXX or XXXX to bring the account up to date. They see in their system that a payoff check was sent by their own company. However they warned me that they will report me negative to the Credit card reporting agency. I asked for a supervisor. However they advised no one was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Portfolio Recovery is reporting a collections on my credit report. They purchased this debt from XXXX XXXX. 
We have disputed for years. They will not produce any receipts or proof, only a statement ( Last statement produced ). 
They took it to court, which resulted in a judgement and lien. 
It is illegal for Credit Bureaus to report judgements. 
As of XX/XX/2018, credit bureaus do not report judgements, which are civil. 

This is still on my credit reports and needs to be removed immediately. 
Also, Portfolio Recovery calls my place of business at least once a week and continues to send letters for collection. 

I can provide contact information for Portfolio Recovery if needed. 
I can also provide a copy of the judgement, showing proof it is now civil.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: National Credit Adjusters, LLC
State: OK
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:
I'm in the process of purchasing a house so I had my credit report pulled on XX/XX/XXXX and there's an outstanding loan with XXXX XXXX dated on XX/XX/XXXX in the amount of {$690.00}. I submitted a dispute through XXXX ( application company used to check my credit report ) since this debt is past the 5 year Oklahoma Statute of Limitations to collect on a debt. I received a notice from XXXX on XX/XX/XXXX stating my dispute had been resolved and now it showed there was a XXXX balance for XXXX. 

I received a statement from National Credit Adjusters , LLC dated XX/XX/XXXX stating they purchased the debt from XXXX yet it now had a different account number along with the amount now being {$860.00}. I sent them a letter stating the debt they purchased was no longer allowed to be collected due to being past the 5 year Oklahoma Statute of Limitations. Never received a reply but as of XX/XX/XXXX they added it to my credit report which has caused my credit score to drop by XXXX points along with it now looking like I have two separate loans that are outstanding when it's the same loan. 

XXXX XXXX should never have sold this debt to National Credit Adjusters , LLC since they had never contacted me plus it's now past the 5 year Oklahoma Statute of Limitations to attempt to collect a debt. Both companies are at fault but due to National Credit Adjusters , LLC purchasing it, it's now up to them to correct it according to Oklahoma Law along with the FDCPA - Oklahoma Debt Collection Law

Company response to consumer: Closed with explanation