BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: Scratch Financial, 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:
Failure to provide Method of Verification for the item listed below within the time set forth by law, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ) .... Scratch Financial, I XXXXXXXXXXXX Open Date XX/XX/2017 Balance {$1500.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: KEYCORP
State: PA
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:
ADVERSE ACTION DATED XX/XX/2022 Recently, I XXXX XXXX was denied an extension of credit by KEYBANK On XX/XX/2022 you submitted a credit card application, I applied for Preferred Credit Line As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). KEYBANK has violated my federally protected consumer rights : 1. 15 U.S Code 1642- No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in the renewal of, or in substitution for, an accepted credit card. 
2. 15 U.S Code 1681M 3. 12 CFR 1002- A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered 4. 15 U.S. Code 1691-It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. 

Since the letter you sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. KEYBANK should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all-natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The information on my credit report is not correct. I do not recognize this information, this is a result of identity theft and i need it to be removed from my credit as soon as possible. It is affecting me in a very negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a complaint in XXXX with the Federal Reserve Bank concerning the handling of my bank account at Charles Schwab Bank ( the " Bank '' ). I received a letter today that my complaint is being sent to the Federal Reserve Bank XXXX  XXXX and in addition I was requested to contact the CFPB directly to submit a complaint to you on-line. 

Here is approximately what I wrote to the Federal Reserve : 1. In XX/XX/2021, four fraudulent checks with duplicative check numbers were negligently paid by the Bank out of my checking account as follows : a. Check No. XXXX in the amount of {$2000.00} was paid on XX/XX/XXXX. 
b. A second Check No. XXXX in the amount of {$4200.00} was paid on XX/XX/XXXX. 
c. On XX/XX/XXXX, the Bank appears to have become aware of an error and credited {$2000.00} to my checking account. 
d. Check No. XXXX in the amount of {$2000.00} was paid on XX/XX/XXXX. 
e. A second Check No. XXXX in the amount of {$8000.00} was paid on XX/XX/XXXX. 
2. All checks were written by and to the same person and signed illegibly with signatures unlike in any way the account holders ' actual signatures on file with the Bank. 
3. I signed an affidavit as requested by the Schwab Fraud Investigator, XXXX XXXX, and have been told an investigation is underway. The investigator appears to be currently on leave and can not be reached. Her phone number is ( XXXX ) XXXX XXXX. 
4. I reported the fraud crime to my local Police and submitted that report number to the Bank ( the police officer said he had actually arrested the person named on the checks in the past ). 
5. When I reported the fraud to the Bank, the Bank immediately closed my bank account and did not provide me with a new account for 9 days and only after I exerted pressure through my connections at the Banks brokerage section. 
6. Without any notice or disclosure to me, the Bank eliminated my former checking account from their electronic on-line record system leaving me without any way to download or retrieve past records, including copies of paid checks. This resulted in extreme stress and considerable time to unwind as many automatic payments were rejected and penalties and interest accrued. 
6. I have not yet received the return of my {$14000.00} of funds. My weekly calls to the Bank result in no answer as to the status of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In XXXX XXXX I was approved at Belk Dept.store in XXXX, NC XXXX. I charged to full limit and never paid late. Purchases were between store and online. My card was lost in XXXX. I received a new card and activated it on or around XXXX XXXX XXXX. I attempted to make and online purchase and purchase was denied. I called Belk around XXXX and was told to reapply. I was told the active card, activated around XXXX XXXX XXXX was not active due to not making purchases. My last purchase was made online and Belk could not find the record. I was told the only way to reactivate the approved successfully activated card was to reapply. I reapplied on XXXX or XXXX. The application generated a message that I would have status of application 24-72 hours as I recall. Today, I received an email stating I was denied due to previous approval. After at least an hour I was transferred to an underwriter at exactly XXXX eastern time I was hung up on by Synchrony Bank underwriter who said I needed to reapply because I did not speak to and underwriter soon enough, I asked what the time frame required was and was told it is specific to each application and each applicant, then he asked when did I apply, I said 24-72 hours ago, his response was that this is my answer to my question. I said my question was, when did your company pull my credit report and why was I not advised to contact an underwriter, and what is the time frame. My report was pulled 24-72 hours ago, why am I being requested to reapply? The letter that Syncrony generated I am copying email to me on XXXX at XXXX XXXX : Synchrony Bank has received your request for credit for a credit program with BELK. Regretfully, your request can not be approved at this time. The boxes checked indicate the following X The request was judgmentally reviewed and denied for the following reason ( s ) : PREVIOUS APPLICATION APPROVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
No actions were taken n any of them, amountso roughly about {$22000.00}. Dates r as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX 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, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion Please Vaildate the correct balance and Please DELETE THIS INACCURATE INFORMATION YOUR COMPANY IS REPORTING ON A CLOSED XXXX XXXX ACCOUNT THE CREDIT REPORT STATES MY BALANCE IS {$5600.00} But i have a certified letter from XXXX XXXX which I will attach XXXX STATES THAT THE BALANCE IS PRINCIPAL BALANCE IS {$5600.00} & INTEREST BALANCE IS {$1200.00} so the total balance should be {$6900.00} which is highlighted in the letter PLEASE DELETE FROM CREDIT REPORT IMMEDIATELY.

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 2017-08-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed my JCPenney account and reduced the credit amount on my Old Navy Credit Cards due to an algorithm set up in their credit approval system. My credit history with these two credit cards was excellent at the time that the changes were made on those cards. I made on time payments and used those cards when I wanted with no problems. I embarked on business venture which affected my credit, and should not have caused Synchrony Bank to let a computer decide that I was not credit worthy for these two store credit cards. This has caused my credit score to drop to an extremely low number when I had worked very hard to get my credit to be and stay in good standing.

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), TRANSUNION failed to provide Method of Verification for the item listed below within the time set forth by law, .... 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXX Balance {$1500.00} ; XXXX XXXX XXXX Date Assigned XX/XX/XXXX Balance {$630.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: MD
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 purchased a vehicle from XXXX in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business XXXX in number but its on my personal credit report.You have two separate entities for a reason I was told that XXXX will just do one hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. XXXX also need to update my old account to which they still have it shown active which is incorrect information which is affecting 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 2022-07-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I own an ally bank savings account and was trying to transfer my funds out of the account. 

They put a fraud alert on my account, disabled online access and asked me to submit proof of ownership including copy of my SSN to restore access. I was able to talk to a fraud supervisor to remove the account freeze. 

However, after 2 weeks of the intended transfer, my funds ( XXXX ) are still on hold and not available to me. Their fraud department is painful and arrogant to deal with and have made it hard to access my own money even after the fraud concerns are removed. 

I have tried to contact them through secure messages, phone calls and disputing the transactions but no response from them. 

This is one of the worst experiences I have had with a bank and would advice other folks to stay clear.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED 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 2017-08-19
Company: Revenue Assistance Corporation dba Revenue Group
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received two phone calls that I answered ( there may have been other calls that I did not answer or we were not home for, but I answered twice ). The first was approximately 3 weeks ago to my home number, the second to my work cell, so clearly they are targeting me as while not hard to find, it took some research to find my work cell. The call was the same each time. 

It was a male voice, they identified themselves as calling from the Revenue Group ( XXXX ), which can be found online at : http : //revenuegroup.com/. They said they were calling on behalf of their client XXXX XXXX XXXX who can be found at : XXXX XXXX XXXX  Local phone # XXXX and were calling regarding debt I owed. Since I owe no debt I was suspicious of a scam much like the various other scams that are similar. 

On the first call I simply said I owe no debt and hung up. The second call came around XXXX on my work cell phone. It was the same claim. This time I said they were a scam and I had reported them to the FBI and hung up. I then followed up that call by calling XXXX XXXX XXXX who appears to be a credit card processing company and asked them if they knew who The Revenue Group was and would they use them to collect debt. XXXX, of the tech support department said they did not know who they were and did not use them. 

I have also reported this to the FBI and filed a clam ; the FTC and filed a complaint and will also call my State Attorney General 's Office. 

I would like them investigated as this is harassment and fraudulent. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX {$350.00} XXXX XXXXt XXXX {$1800.00} XXXX XXXX {$280.00} XXXX XXXX {$200.00} Inquires that i didnot authorize on acc to all except XXXXr In accordance with the Fair Credit Reporting act XXXX accounts above havrle 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 the consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-07-07
Company: JPMORGAN CHASE & CO.
State: MD
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 JPMCB CARD 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 states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX I received a past due letter from Loancare that they had not received my XXXX XXXX payment. I called them on XXXX XXXX, XXXX and explained to them that I payed the XXXX payment through XXXX XXXX on XXXX XXXX, XXXX and it was delivered to them on XXXX XXXX, XXXX in the amount of {$2300.00} with the status on my statement as paid. The woman that I spoke with put me on hold and returned to the call telling me that in fact they did receive the payment and it would be posted at mid-night that same day XXXX XXXX XXXX ). I asked her if I would recieve a 30 notice and she advised me that she did not know. I explained to her that I am in the middle of a refinance and I can not have a 30 on my credit. Especially since they did receive it on or around XXXX XXXX. On XXXX XXXX, XXXX, there was a message on my phone to call Loancare. I called them the morning of XXXX XXXX, XXXX and they stated that they did not receive my payment for XXXX. I informed them that I payed through XXXX XXXX on XXXX XXXX, in the amount of {$2300.00} and the payment was delivered on XXXX XXXX with the status paid. They told me that I needed to send them a copy of the statement showing it paid to XXXXXXXXXXXX. I sent the a copy on XXXX XXXX. I told them that I am in the middle of a refinance due to close early XXXX. I also told them that this has now happened two months in a row. I asked them if they are going to charge me a late fee for this in which they would not answer. I also asked them how long is this research going to take and they said 5 - 10 business days. I found out that I have accrued over {$600.00} in late fees from the time they took over the loan in XXXX. I do n't think that I owe this. I am very concerned about the fact they say they are n't receiving my payments. I have been paying the same way, through my bank since they took over the loan and there has NEVER been a problem until now. I find it interesting that this has occurred only recently as I have been in the process of refinance. I have copies of the bank statements and the letter received last month for the non payment. Please help. 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 explanation
Consumer complaint received 2022-07-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I turned in the nissan XXXX  in pristine condition. They accepted my vehicle. Then they're trying to say I had over {$1000.00} of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.

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