BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-14
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX, we visited Keybank regarding fees and was told my account would be placed on Key Privilege Checking. The benefits of Key Privilege Checking included free checks and no maintenance fee ( see attachment ). I recently had a NSF when I knew I had enough to cover the checks written. After reviewing my account, it was determined that it was the maintenance fee for {$25.00} which caused the overdraft. Further review of my account shows that I have been charged a maintenance fee of {$25.00} since XXXX XXXX, however my check reorders have been free. I have spoken to XXXX, who was able to adjust XXXX maintenance fee. XXXX stated further review would be required by XXXX and then we were advised XXXX could not make any further determination and I was referred to XXXX, Operations Manager who said all she could do was adjust XXXX more maintenance fees and that she would put my account on the maintenance free Employer program to avoid future fees. 

I am requesting a refund for the XXXX maintenance fees ( XXXX ) charged in error in the amount of {$250.00}. The fees can be seen on the attachments posted on XX/XX/XXXX/XX/XX/XXXX between XX/XX/XXXX-XX/XX/XXXX ( XXXX of the XXXX have been refunded by the bank ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: SLM CORPORATION
State: NC
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:
A charge was posted to my credit card account on XX/XX/XXXX in the amount of {$3000.00}. The charge was from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX ( Ph. XXXX ). I first saw the charge on XX/XX/XXXX and called Sallie Mae, the credit card issuer, immediately to dispute it and request a new card. I mailed the dispute form the next day ( sending the dispute form via email or fax were not options Sallie Mae allowed ).  Upon discovering my dispute had been processed and the charge was back on my account I contacted Sallie Mae again on XX/XX/XXXX. I spoke with XXXX, a customer service representative, who stated he would return my call once he had more information. He returned my call that afternoon and stated that Sallie Mae never received my dispute form and that they had received a receipt from the merchant with my name and signature. XXXX also informed me that I could send the dispute form again and to call back when I had done so. The next day ( XX/XX/XXXX ) I sent the letter certified ( tracking # XXXX ), it was delivered to Sallie Mae 's PO Box ( address provided to me by Sallie Mae ) on XX/XX/XXXX and to date it has not been picked up at the post office. I then called back to inform them it had been mailed and asked if I could have a copy of the receipt. I was told at that time that I would only be able to get the receipt from the merchant. I called the merchant and left a detailed voice mail and have called 4 other times. Only once was the phone answered and the merchant immediately hung up on me when I began speaking. To my surprise Sallie Mae sent a copy of the receipt to my email on XX/XX/XXXX. The receipt is attached to this complaint. The receipt was signed by someone else and the signature appears to read " XXXX '' and the last name is not legible. The merchant included a note on the receipt that states, " The customer was in my repair shop to purchase an engine. The purchase was for pick-up only. They ( sic ) customer payed ( sic ) for the engine and took the engine with him at that time. '' Upon receiving this receipt, I contacted Sallie Mae once again and spoke to XXXX who stated that even though it was not my signature, it constituted a legal signature and there was nothing more Sallie Mae could do and that the matter was closed. It should also be noted that I do not own a car as I am currently a student in North Carolina and have been provided a car by my parents. I appreciate your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-05
Company: BANK OF HAWAII CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We would call Bank of XXXX to make payments and they would n't take them out until a week or two after we authorized the payment to be taken out. This resulted in late payments being made. This would happen every month since XX/XX/XXXX. We paid Bank of XXXX three payments on XX/XX/XXXX and that has us current until XX/XX/XXXX. We requested XX/XX/XXXX to ship the vehicle from XXXX to XXXX under XXXX. They stated that due to the late payments they informed us that we would have to make our payments current after we submitted all the paperwork to ship our XXXX Dodge Journey. After catching up on payments they requested additional XXXX payments to allow us to ship the vehicle, we requested that in a written form and they would not agree or let us speak to the supervisor since that was who the request had to go through. Now when we call they put on hold until the phone call gets disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Prosper Marketplace, Inc.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Good Day : In XXXX of 2016, I went to Prosper online site to see if I can obtain a loan for {$5000.00}. I was approved for the loan and checked the box agreeing to the terms and condition of the loan ; however, when I found out that the fee for obtaining the loan was 4 % of {$5000.00} = {$200.00}, I did not want to pay an upfront fee to obtain the loan and exited from the website. 

I did not submit the loan application. After about 2 days, I was informed through my email that the check will be sent to my bank account. I called the customer service office immediately and informed them that I did not submit the loan application and that I was not interested to obtain any loan from them and that they should stop the transfer of the money to my account. 

I was told that they can not stop the money to my account and that I can return the money once it is in my account and I did as instructed. Now, prosper has been calling me that I owed them about {$160.00} for the month of XXXX 2016 and may be other amount for subsequent months. 

I have called the customer service office several times and it seems that they can not resolve this issue. Please be informed that Prosper did not request for any proof of employment or documentation showing the ability to pay the loan in violation of federal lending rules. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
Navient is reporting my accounts late when I am currently in school. I was unable to reach them during the Covid crisis nor was I able to reach my school and now Navient is basically are saying too bad. 
The following is incorrect : 1. accounts are reporting late 2. accounts reporting closed Furthermore these accounts are reporting on my credit report twice each. 
I do not understand why Navient is not held to better standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, 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 identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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 was informed that an inquiry on my Experian credit report was made by XXXX XXXX XXXX. I have not authorized this inquiry. I have contacted the company but have not received a response. I want the inquiry removed from my history.

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 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS DISPUTED WERE NOT AUTHORIZED BY ME, THE ACCOUNTS ARE SHOWING CLOSED ACCOUNTS WHEN I WAS UNAWARE OF IT. I DID NOT GIVE ANY AUTHORIZATION FOR THOSE ACCOUNTS AND THEY ARE REPORTING NEGATIVELY IN MY ACCOUNT

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 2019-12-26
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: Account status incorrect

Complaint:
THE ACCOUNTS DISPUTED WERE NOT AUTHORIZED BY ME, THE ACCOUNTS ARE SHOWING CLOSED ACCOUNTS WHEN I WAS UNAWARE OF IT. I DID NOT GIVE ANY AUTHORIZATION FOR THOSE ACCOUNTS AND THEY ARE REPORTING NEGATIVELY IN MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Credit Control, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I noticed I received a collection letter from Credit Control , LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.

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 2019-12-26
Company: Experian Information Solutions 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:
THE ACCOUNTS DISPUTED WERE NOT AUTHORIZED BY ME, THE ACCOUNTS ARE SHOWING CLOSED ACCOUNTS WHEN I WAS UNAWARE OF IT. I DID NOT GIVE ANY AUTHORIZATION FOR THOSE ACCOUNTS AND THEY ARE REPORTING NEGATIVELY IN MY ACCOUNT

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 2015-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For at least 6 months a company calling themeselves Portfolio Recovery have called me at least XXXX times from various telephone numbers ( recently on XXXX/XXXX/2015 from XXXX ) at my telephone number using robocall. They leave a telephone # to for me to call. I have called this telephone # and instead of they telling me the name of who they are looking to collect from, they insist that I give them my name. I told them that for privacy reasons I do not give my name to any caller that calls me and do not give the name of who they are calling. I have told them several times not to call me back as I have I do not owe anybody. I have even run a credit report on me and on my wife and there is nobody trying to collect from us nor are there any overdue accounts. They have no right to demand that I give them my name. They should only ask for who they are looking to collect from, at which time I would tell them whether I am that person or not. I consider this harrassment and an attempt by them to invade my privacy. They must be harassing a lot of innocent people, most of which do not know how to complain. The company can use my telephone # to match me against their records ; but I will not give them my name. I am also in the National Do Not Call registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: MI
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:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Unverified Account Account Name : XXXX XXXX XXXX Type : COLLECTION Date Opened : XX/XX/2018 Balance : {$1000.00} Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2022-01-21
Company: EQUIFAX, 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:
THE CREDIT BUREAUS FAILED TO DUE A PROPER INVESTIGATION INTO THIS MATTER AND STILL ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE CREDIT BUREAUS FAILED TO DUE A PROPER INVESTIGATION INTO THIS MATTER AND STILL ARE REPORTING FRAUDULENT ACCOUNTS 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 2020-06-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a payment due for XXXX. At this time I had already been in the process of refinancing my home to pay this loan off in full. XXXX XXXX  was my servicer. I have requested payoff information, but they are taking over a week just to get a payoff delaying my refinancing over and over. Every time I call they will say that they have sent what I need, but it is untrue and provable that it isn't true because the information would show up on the online account if it had been generated.The payment I made for my XXXX payment was suspended because I made it at the end of XXXX. XXXX didn't pull the payment from my account until XXXX. The transfer took place on XXXX to SPS and the balloon payment with XXXX is due at that time. The XXXX payment did not get transferred to sps until XX/XX/15 after the XXXX transfer date. Therefore, they are holding it in pending payments and that is preventing me from closing the refinance I have in place. They are forcing me into default. I just want them to apply the payment they already have that has cleared my account. This way I can move forward with my conventional refinance and pay the loan off in full. At first, I thought the transfer happened so they could give SPS the opportunity to refinance the loan, then I was told by SPS that SPS doesn't even do refinances. So, why would they transfer my loan at it's maturity date and cause these issues? It seems like XXXX bank and sps are in the business of trying to take people 's homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have sent multiple requests to XXXX and Transunion regarding incorrect addresses. I requested that XXXX XXXX XXXX XXXX be removed from my XXXX   report and XXXX XXXX XXXX XXXX XXXX be removed from my Transunion report. Both have come back refusing to delete this erroneous information. I have submitted certified receipts as well as a copy of the letter sent to the bureaus.

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 2017-03-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a rifle from XXXX, an online store based in XXXX Virginia and owned by XXXX. I paid {$1600.00} via Wells Fargo XXXX, a wire service, to XXXX on XX/XX/XXXX. XXXX is registered to XXXX XXXX XXXX VA XXXX XXXX. I called or emailed every few weeks since I ordered it and was told it was on back order and would ship when it came in stock. To date, I have not received my order. When I checked on my order on XX/XX/XXXX, I found out the website is down and the phone number is out of service. I paid using Wells Fargo XXXX which is a wire transfer service. I have no way of requesting a refund and think this was a scam to fleece people across state lines. When I look up the google reviews now there are XXXX posting of other people that he stole money from as well. I am sure there are others. XXXX is also listed online as XXXX XXXX was also the creator of LendingShares which became XXXX shares. This company was a crowdfunding platform that existed without XXXX oversight and existed for 3 years before becoming defunct. I believe that XXXX is a serial scam XXXX who creates companies and bilks consumers and investors out of money, then closes the company and eliminates all means of contact. 

The website was : XXXX The Secretary of State Filing can be found here : https : XXXX The Test Store Website is still up with last contact information and a photo of XXXX can be found here XXXX XXXX/ XXXX Facebook page can be found here : XXXX : //www.facebook.com/profile.php? XXXX The owner of the business address is XXXX his phone number is : XXXX. They said he has vacated the premises, but still stops in weekly to pick up mail. XXXX most recent phone number they have on file is XXXX. 

Whitepages lists the home address for XXXX as : XXXX XXXX 
XXXX VA, XXXX The owner of the home address is XXXX XXXX XXXX FL XXXX Police Report Filed XX/XX/XXXX XXXX XXXX Police Department XXXX # XXXX XXXX Police Report Filed XX/XX/XXXX XXXX Police Department 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 2016-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have XXXX to remove these inquiries from my report.

Company response to consumer: Closed with explanation