BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My XXXX account was overdrawn due to a medical provider billing error. I reached out to Key Bank multiple times for their help in getting the issue resolved. They did not help and closed my account in XX/XX/2023 with no notification in advance. The medical provider finally acknowledged their error and credited my Key Bank HSA credit card on XX/XX/2023. I reached out to Key and was told that they would return the funds to me via Check in the mail as my account was no longer active. I went to a branch in XX/XX/XXXX as I had still not received my refund. After several calls and months later, Key told me they returned the credited funds back to the medical provider as my account was closed. No-one from Key ever attempted to reach out to me despite multiple attempts on my part. I have since escalated the issue to the Executive Team that handles complaints however they have not helped either. I am simply asking for the funds to be returned to me as this was an error on the medical provider billing department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2021-10-30
Company: BARCLAYS BANK DELAWARE
State: AR
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:
I disputed the transaction because the guy who fixed my 75 inch guaranteed for at least a year and it stop working within the first week and then I brought back he said he will apply the guarantee and fix it for free and instead he broke the screen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-28
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contacted Discover several times via phone, chat, and email to investigate a possible identity theft that happened. They never investigated, never gave me temporary credits, never froze my account, and never helped me to take preventative action. This led to Discover sending additional and UNauthorized cards to addresses that I have never lived at. The fraud continued to happened and led to over {$10000.00} worth of fraud charges that I am still attempting to be reimbursed for from Discover. These were some of the first charges and if Discover would have taken action, a lot more could have been prevented. 

I have provided police reports, FTC identity theft reports, credit reporting reports, and my own personal expenses to hire experts to prove that my identity was stolen and fraud happened on my card. 

The initial charges in 2016, totaling {$580.00} over 18 charges that included spending in 4 states. 

XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$2.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX  {$3.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  {$38.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  {$7.00} XX/XX/16 XX/XX/16 XXXX XXXX - XXXX XXXX XXXX   {$28.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX   {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX {$27.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$28.00} XX/XX/16 XX/XX/16 XXXX  XXXX XXXX XXXX XXXX {$35.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX {$170.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$25.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$25.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX   {$32.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX   {$33.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   {$71.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   {$5.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2021-04-12
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare was the servicer of my mortgage. On XX/XX/2021 I refinanced and closed on this mortgage. The escrow funded on XX/XX/2021. Effective XX/XX/2021 Loancare transferred the servicing of my mortgage to XXXX XXXX. Loancare has not acknowledged the mortgage pay off in the amount of {$450000.00}. I have been trying to reach Loancare by phone and email since XX/XX/XXXX, with no response. Their phone system is a endless automated loop without any way to speak with a human. I have also sent numerous emails without ant response. In addition, they have {$2100.00} in my escrow for taxes and insurance. My credit is being damaged as well by not acknowledging payment. This is totally unacceptable. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. SEQUOIA FINANCIAL SVCS XXXX Balance {$1100.00} ; 2. SEQUOIA FINANCIAL SVCS XXXX Balance {$2600.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: OH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this account is a result of identity theft it shows a person with a same last name as mine but I have no knowledge of the person listed and need this to be rectified I have been receiving threatening calls from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Professional Service Bureau
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My medical debt, which I had a payment plan set up with the facility then they switched to XXXX and sent it to collections, I was trying to set up a payment plan on XX/XX/2019. I wanted to continue paying what I was paying with XXXX XXXX, {$100.00} every other week. I spoke with XXXX XXXX at Professional Service Bureau , INC in Minnesota. First of all, she was very difficult to understand and she clearly did not always understand me. She told me I had no choice but to pay in 10 installments and that was all they would accept. I informed her I could not afford that and that I could afford less. I offered first {$50.00} every two weeks. She then offered me a settlement and told me I needed to take out a loan or ask others for the money. She told me " you can just borrow against your 401K! '' She was very rude and condescending. She then told me the minimum was {$400.00} and I had to pay {$100.00} per week. I again said, no and offered {$200.00} per month. She threatened that my debt was going to a lawyer if I did not pay the full amount. I told her I couldn't. She then said I could pay {$200.00} per month. I said OK, where do I send it. She said, well it won't be a payment agreement and it will still be going to a lawyer. I said you said it would be, she then again changed her mind and said well it would be. She then said in a threatening voice, " YOU BETTER MAKE ALL THE PAYMENTS!! AND NOT MISS EVEN ONE! '' I asked if she was threatening me, she then said, WELL JUST MAKE EVERY PAYMENT. I felt very threatened by her tone and words.

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 2019-07-28
Company: Experian Information Solutions Inc.
State: IL
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 A VICTIM OF ID THEFT BASED ON PERSONAL INFORMATION BEING COMPROMISED BY THE 2017 XXXX DATA BREACH. I HAVE ENCLOSED A FTC REPORT/POLICE REPORT AND OTHER IDENTIFYING INFORMATION SO THAT YOU CAN BLOCK THE ITEM LISTED ON MY FTC REPORTS.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: TX
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:
n 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. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX 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 2023-03-14
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am contesting any information on my credit report that is not true or documented accurately by the credit bureaus. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, XXXX, Equifax, XXXX must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: PNC Bank N.A.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to receive calls from what is listed as XXXX XXXX - Debt Collector at XXXX. These calls have come off and on for over two years. The latest calls came at XXXX and XXXX XXXX on XXXX XXXX, XXXX XXXX on XXXX XXXX, and XXXX XXXX at XXXX XXXX. The caller claims to be looking for an XXXX XXXX. I have informed them on several occasions that I do not know an XXXX XXXX, that this phone is registered on the Do Not Call list, and that I do not desire any more phone calls from them. I further informed them that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting in XX/XX/XXXX HomeQ sold our mortgage to PHH. Our mortgage payment was on auto-pay to HomeQ and were current in all payments. We were never notified that our mortgage was sold to PHH. As a result we continued auto-pay to HomeQ in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PHH is claiming that we are four months behind in payments, we started making payments to PHH in XX/XX/XXXX and we are continuing to do that on an auto-pay basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: SC
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. 

XXXX. XXXX XXXX Account # Not Available On Credit Report XXXX. XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX  XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: Carter-Young, 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: Information belongs to someone else

Complaint:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX  2. XXXX/XXXX  Account Number : XXXX Please remove it from my credit report.

3. XXXX  Account Number : XXXX  Please remove it from my credit report.

4. XXXX  Account Number : XXXX  Please remove it from my credit report.

5. XXXX/XXXX  Account Number : XXXX  Please remove it from my credit report.

6. XXXX/XXXX  Account Number : XXXX  Please remove it from my credit report.

7. XXXX  XXXX Account Number : XXXX  Please remove it from my credit report.

8. XXXX  RC Account Number : XXXX Please remove it from my credit report.

9. CARTER-YOUNG INC Account Number : XXXX  Please remove it from my credit report.

10. CARTER-YOUNG INC Account Number : XXXX Please remove it from my credit report.

11. CARTER-YOUNG INC Account Number : XXXX  Please remove this inaccurate information from my credit report.

12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX XXXX, GA XXXX-XXXX  13. The following personal information is incorrect Account Number : CURRENT ADDRESS :XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX XXXX  15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX  18. XXXX/XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am interested in disputing all inaccuracies on my credit report with Transunion.

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