BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023, I was paid a direct deposit by my employer. I transferred some money from my XXXX XXXX XXXX XXXXXXXX account ( under KeyBank ) to another account I owned under my name, but my entire account was restricted and I am locked out of being able to access any funds in my XXXX XXXX  accounts. Moreover, I wasn't even given a notice of this restriction or an explanation as to why over the weekend until I called myself on Monday during their weekday-only business hours. Apparently this issue is widespread as many others across the web have posted similar holds/restrictions for some reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase is the problem. They sent me a letter ( I have and can send to you ) canceling my XXXX XXXX XXXX credit card and its program replacing it wiht Chase Freedom Unlimited visa. I had paid {$49.00} in XXXX for a full years XXXX rewards and their letter noted that they would prorate my refund. I have called many times, emailed 4 times. At first it was it will take 4 weeks, then it was becusae you didnt keep the XXXX credit card you dont get the refund. THis is not a big amount- it is the principle and CHASE should be repremanded for this. If there are other customers like me- this is a large amount that they keep in fees while not delivering what they promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 61 hard inquiries in my equifax credit report. I have reached out to the companies asking for signed applications from myself. 
None of the 61 inquiries companies can provide original signed applications from myself I have disputed these with both inquiries companies and with equifax neither are taking this matter series

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: SANTANDER HOLDINGS USA, INC.
State: MS
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:
Santander Consumer has violated my rights. 

In accordance with the fair credit Reporting Act Santander Consumer USA loan has violated my rights. 

15 USC 1681 Section 602 states, " I have the right to privacy. '' 15 USC 1681 section 604 A section 2 : It also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of 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 non-monetary relief
Consumer complaint received 2022-07-17
Company: EQUIFAX, 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 XXXXXXXX XXXX Account # XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I called Guitar Center 's credit card center to check on my XXXX XXXX XXXX credit card which I had not used in quite a while. Their credit cards are now handled by Synchrony Bank and I was told the account had been closed due to inactivity which I can fully understand. When I asked to reactivate it ( I had spent about {$3000.00} in the past with no problems ) I was told I would have to reapply which I did on Sunday, XXXX using their on line application form. Later that day I tried to order a guitar and case for my grandson 's birthday. 
The total was around {$650.00} but I was told it was not possible at this time and that I would have to go to the local XXXX XXXX store. I recently was sent a 15 % off coupon and a 48 month no interest offer which expired on XX/XX/XXXX so I was anxious to get this taken care of. On Monday XX/XX/XXXX I drove to the XXXX XXXX store and explained the situation. He said " No problem '' and called to my account number. About 15-20 minutes later he came to me and told me I had to fill out an in-store application. I was annoyed but did as requested. He called again and about 20 minutes later he came to tell me that my application had been declined! I could have used my XXXX, XXXX, XXXX, or XXXX cards to complete the transaction but I really wanted the 48month interest free offer. My credit rating is XXXX and I have considerable funds in the bank. I also own my own home and have 2 paid for vehicles so this rejection baffled me and the offers expired the next day. Angry, I spent the next 3 hours on my cell phone with Synchrony Bank and spoke with several departments trying to discover what their problem was. After talking to several of their associates ( many in foreign countries ) I finally was able to speak to 3 supervisors/managers who were of no help. I was repeatedly told I would receive a letter explaining their decision in 3-5 days. By XXXX " I hate Synchrony Bank '' I found many, many complaints about Synchrony Bank 's incompetence and suspicious practices and became concerned enough to take this action. My wife calculated that their incompetence cost us about {$200.00} between the now expired coupon and 48 month financing offer. I am a retired educator and have always endeavored to keep a good credit rating through frugal spending habits. I hope you will investigate Synchrony Bank and its questionable practices.

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 2020-12-30
Company: Risecredit, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I paid my balance off in full the Rise Credit company on XX/XX/2020. The credit report update made for XXXX is not reflecting my balance being paid in full. It is only reflecting the payments I made in XXXX. In speaking with Rise Customer Service, they stated that their system reports payments made in the previous month not the payments in the current month even if it is paid in full. I disputed the balance with the credit bureau, but Rise Credit is responding saying the balance is correct. 
Since my payment was made in full on XX/XX/2020, I believe that Rise Credit should have reported to the credit bureaus that my balance is XXXX. Rise Credit reporting that my balance is {$3900.00} after my payment was made is incorrect on my credit report and I would like it to be resolved by updating the credit bureaus with the correct balance of XXXX. See attached payment in full documents and screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
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:
I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX Balance {$67000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : 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 2023-08-11
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Account Name ASSETCARE LLC Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX These accounts was pass to a third party collection agency an have violated my consumer rights In accordance to the fair credit act 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are being held finacially hostage in an endless cycle of lost paperwork and always-expanding timelines. I've tried reaching out and asking for management assistance, but I never received a response via email or phone regarding this. 

XXXX XXXX - Reached out to mortgage company regarding release of liability process and requested paperwork. 

End of XXXX, early XXXX - Still hadn't received paperwork, contacted again, was informed request never submitted. Called several more times, paperwork showed up few weeks later. 

XX/XX/XXXX - Packet is placed in the mail using their provided, self addressed and stamped envelope XX/XX/XXXX to XXXX - Called to check on packet status, get update. Was informed our file didn't exist. Asked for management and help in locating our paperwork. We were informed they had lost our packet. Management would not escalate, return phone calls, or tell me how to submit the paperwork again. 

XX/XX/XXXX - found an email on my own, sent them an email regarding the packet, asked for confirmation it was received. I receive confirmation. 

XX/XX/XXXX to XXXX - emailed several times regarding packet and information they said was missing. I received an out of office response for my main point of contact but to contact a second email with questions. I contact the second email plus my original contact as well as call customer service again to escalate, but receive no response. 

XX/XX/XXXX - I finally received confirmation our packed was completed, placing us 12 days behind XX/XX/XXXX - reach out about status, get a response that says they're working on it but can't say when they'll be done. 

XX/XX/XXXX - email again for update. They say the same, they're working on it but can't say where it's at in the process.i point out that there has already been several delays and demand an estimate on how long it'll be. They're response was another 6 to 12 weeks. 

XX/XX/XXXX - more emails are exchanged, I ask for management, they still refuse to give me someone that can help or address the situation. I called customer service again and they say all they can do is send a message to my contact and that's it. There's nobody else they can contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PORTFOLIO RC HAS BEEN CALLING HARASSING ME AND TREATING ME & REPORTED FALSE INFORMATION TO THE XXXX XXXX  TO HURT MY CREDIT SCORE IF I DONT GIVE THEM CASH PAYMENTS AND MY SSN #. FOR AN ACCOUNT THAT I DO NOT OWN. THIS WAS A FRAUDULENT ACCOUNT & XXXX XXXX HAD REMOVED IT FROM MY CREDIT HISTORY & CLEARED ANY RESPONSIBILITY ON THIS FRAUDULENT ACCOUNT THIS FROM MY CREDIT HISTORY. PORTFOLIO RC HAS BROKEN CUSTOMER CREDIT LAWS FOR FALSE INFORMATION TO HURT MY CREDIT SCORE. XXXX XXXX HAD SENT ME A LETTER 4 YEARS AGO AND LAST YEAR THAT THIS ACCOUNT WILL NOT BE ON MY CREDIT HISTORY EVER AS THIS WAS A FRAUDULENT ACCOUNT, THAT SOMEONE STOLE MY INFORMATION. PORTFOLIO RC HAD NO RIGHT TO ADD THIS FRAUD INFORMATION TO THE CREDIT BUREAUO. I HAD WRITTEN A LETTER PAST 4 YEARS TO XXXX XXXX XXXX XXXX XXXX AND THEY BOTH AGREED TO REMOVE THIS FRAUD ACCOUNT FROM MY HISTORY. PORTFOLIO RC BROKE THE LAW AND ADDED THIS REMOVED FRAD ACCOUNT, THAT IS NOT MINE, IN MY NAME & THEY NEED TO REMOVE IT ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from XXXX XXXX and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given XXXX XXXX   OR CREDCO Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, 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 2023-08-28
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX LA XXXX XXXX, LA XXXX account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 15 U.S.C1681 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 AGNCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 18 U.S. CODE 8

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$8500.00}

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 2023-04-26
Company: Kikoff Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
after meeting all the requirements to obtain kikoff 's advertised {$200.00} cash bonus promotion several months passed and the company still hasn't honored the advertised promotion. i contacted their customer service number at least 20 times and i received the same answer each time. they say that they have no access to any of my information and that id have to contact kikoff through XXXX to which i have done dozens of times and with the exception of the automated email saying " we got your message '' kikofff has only responded 1 time saying that they needed to escalate the issues. that was months ago. since then I've contacted customer support who just tell me they have no info and to email them so i do and they never respond. below are the disputed amounts and dates that Kikoff owes me the money for, has an obligation to and a fiduciary duty to honor and has still not paid me for. I find it very hard to believe that there's not a federal regulation requiring financial intuitions the maintain deposit accounts, checking accounts, loans and credit cards somehow have no way to realistically contact the company and effect a resolution. i'm sick and tired of kikoff just passing the buck or kicking the can down the road by telling me to email some bs address that never replys. now im sure {$720.00} means next to nothing to them, but for a person afflicted with a total and XXXX XXXX who's only income is a ssa monthly benefit {$720.00} to me can be the difference between life and death 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX;XXXXXXXX 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 2023-04-26
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no recollection of this account I have never had XXXX XXXX before EVER. I do not owe this company nor do I owe or ever had a contract with CCS COLLECTIONS! They never sent me a letter and they have placed this account on my credit! They never let me know this debt was in my name or anything. I have had no contact with these people

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation