BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This is the second complaint against Chexsystems because they refuse to respond or answer my complaint. I have been turned down for bank accounts and I DO NOT KNOW WHY. When I pull their consumer report, it says " no information found ''. When I made SEVERAL calls to Chexsystems, not only did I have to deal with people overseas who barely speak XXXX, but they also said they can not tell me WHO is reporting me. If this is YOUR REPORT FROM YOUR COMPANY, YOU SHOULD BE ABLE TO TELL ME WHO IS REPORTING THE INFORMATION. 

Do not tell me that you have NO INFORMATION AGAINST ME if you are the agency that reports the information from banks and credit unions. You have a responsibility to FIND the information that you are reporting AGAINST ME. I am going to give Chexsystems 30 days to rectify this-either by removing my name from their system and the derogatory information or providing me with the company who is reporting the information. If not, I will be seeking legal representation against Chexsystems. They have 30 days FROM TODAY XX/XX/24 to furnish me the requested information. I have provided a copy of this letter to my attorney. We will sue if this isn't fixed within this time frame. I am reaching out to the CFPB as well and filing a complaint to them as well.

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 2023-07-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nissan Motor Services is in violation of reporting account ( XXXX ) on my Consumer Report of 15USC1681 a ( 2 ) ( a ) ( i ) ; Exclusions from a Consumer Report for reporting excluded information - while violating 15USC 1681 ( b ) by reporting this account without my written authorization requested - without providing me with my disclosures requested as per USC 6802, giving me the opportunity to exercise my non disclosure option of Nonpublic Personal Information ; to OPT out of this inaccurate information being reported as per the Gramm Leach Bliley Act. 

I have given Nissan Motor Services more than 30 days to delete this account and they refuse to comply to get the matter resolved because they are in several violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CONTRACT CALLERS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX offered discount to XXXX  employees on non contract I switched for {$30.00} a month they never honored that price for they adjusted billing to what they offered Ifor approx 2/3 months then said they couldnt honor price they advertised very stressful and phone never worked this offer was emailed to employees approx XX/XX/XXXX phone never worked I returned it and used my own phone. I was promised account would be cleared for misrepresenting I disputed first collection and was taken off my report now have another collector coming after me says attorneys this account was horrible nightmare Im back with XXXX. False advertisement bad training of employees and false promises item never worked and they are charging a phone that I returned never worked. I left with manager that ran that store horrible service no training - checking data it will show phone connected was my own please help get these creditors and XXXX harassment my XXXX XXXX is bad enough harassment of collectors is taking its toll 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 2023-05-06
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a loan twice with rocket mortgage The first time office didnt even look at proof of income so we were denied *Debt to Income : Non-self Employed Income not supported So I the second time I called to complain about issue and loan officer said no you shouldnt have problem I have done plenty of loan like this we could try one more time so I got convince it would work we evening put an offer on a property he assured realtors that everything was fine and approve by underwriting. Working and submitted docs for 21 days he even extending closing date thinking we were going to close on house. Before I knew it the loan was denied for same reason : *Debt to Income : Non-self Employed Income not supported. Everything was submitted we said no playing around before putting an offer we wanted to make sure we were 100 percent approve but I guess not its a joke. We lost house and inspections fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela. Requested refund on XX/XX/XXXX. Said it would take 30 days. Called back XX/XX/XXXX, waited HOURS on hold, for them to say it should be soon. Called back & now its 60 days!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted an identity theft report and mailed it to Transunion requesting that Transunion remove the detailed information from my report within 4 business days of receiving the report per 15 USC 1681c-2. Transunion has violated my consumer rights by not removing the specified information which was a result of identity theft. They received this information on XX/XX/XXXX and only today did they acknowledge they received it claiming that my HAND WRITTEN AND FINGER PRINTED document was a " third party '' so they won't investigate the identity theft. 

Upon calling the first time today, a man told me they'll get the information right off for me as soon as he transfers me. Once he transferred me, the woman told me that " It was deemed to be a third party ''. I asked her how they did that when it's my own handwriting with signature and fingerprint? She said she can't disclose that information. 

I called back and this time got a woman who claimed and insisted that they never received any kind of mail from me. Only after I recited my certified mail return receipt tracking number did she seemed to be rattled for a moment before saying she's transferring me to a supervisor. 

The supervisor told me that they deemed it to be a third party and that they won't investigate it. 

This is ridiculous. 

Please see the attached documents for proof of the letter, its delivery date, and an example of how XXXX perfectly removed the specified information unlike Transunion is doing.

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 2022-06-15
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to state that Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 
" see attachment ''

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 2023-11-13
Company: Experian Information Solutions Inc.
State: MO
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 am writing to address an ongoing issue with fraudulent items on my credit report. Despite my initial dispute, these items persist, and I am making a second attempt to have them removed as they are significantly affecting my financial standing.

I previously contacted your organization to dispute the presence of fraudulent items on my credit report. These items are not an accurate reflection of my financial history and have caused substantial harm to my credit score, making it challenging to obtain loans, secure favorable interest rates, and achieve my financial goals.

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items.

Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation.

Documentation highlighting my responsible financial behavior and positive credit history.

Despite my initial efforts, the fraudulent items continue to negatively impact my credit report. I am deeply concerned that these inaccuracies may further hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial well-being.

I formally request a thorough reinvestigation into this matter. I urge you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately represents my financial responsibility.

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute.

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your immediate assistance to remove these fraud items in my credit file : 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 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 2023-01-18
Company: JPMORGAN CHASE & CO.
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My small business has a XXXX XXXX XXXX credit card with Chase Bank. I wanted to change the authorizing XXXX on the card from myself to my wife, who is the principal business owner. Over the last XXXX  months, Chase has consistently failed to receive the required forms via the submission route they requested, and consistently failed to give me any help or information about how to submit the forms such that they will actually receive and process them. They have rebuffed all requests to speak with anyone in the department responsible for handling those forms, and repeatedly told me to wait XXXX  days with XXXX assurance of assistance. At no point has anyone acknowledged receipt of the form, or offered to help positively confirm the receipt of said form. 

XX/XX/XXXX : I submitted a Change of Authorizing Officer form to the fax number provided XX/XX/XXXX : I called Chase, and they let me know that they had not received the form. They subsequently mailed me a new one, which I submitted via the fax number provided XXXX XXXX, XXXX : I called Chase again, and they said they could not find the form. I resubmitted via the fax number provided XX/XX/XXXX : I went to my local Chase branch, and sat down with a business banking specialist. He made some phone calls, and was able to determine that they yet again could not find the form. He resubmitted the form for me via fax XX/XX/XXXX : I enquired via secure message whether they had received the form XX/XX/XXXX : Chase support replied to my secure message, saying that they could not find the form, and that they had mailed me a new one XX/XX/XXXX : I gave up, submitted this complaint, and plan to close the card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NJ
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:
My credit score dropped, only with Experian. 
I had some delinquency on a credit card with XXXX XXXX from XXXX and student loan with Dept of Ed back XXXX XXXX. At that time, both accounts were reporting on my credit and I was penalized for the late payments. Essentially, my credit score dropped.

Since then, there has been no delinquency on those accounts.

They have been on my credit report since they were created. 

Luckily, I have a credit report for XXXX showing those accounts and the deliquency in the correct time period ( s ). This will be helpful with the problem I am having.

My credit score dropped earlier this month. I disputed the negative reporting. I spoke with the creditors and they mentioned they did not report any negative information.

Next, I disputed the new information since it was already reported on my credit. Experian came back saying everything is accurate.

When I called in, I was sent around in a transfer between representatives, saying the next person could help me.

I finally got to a manager. The manager said the accounts were not reporting on my credit before, and they are now which is why my credit score dropped.

I have proof that the accounts were showing on my credit report since I opened them.

It doesnt make sense that I am being penalized twice for the same thing.

They provided false information stating it wasn't on my credit and then finally reported this month. 

Please help. They wont take ownership or address the issue. I am being provided false information on my credit history. They have an issue on their side and I need help getting a resolution.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # XXXX XXXX, XXXX  Account # : XXXX, These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 non-monetary relief
Consumer complaint received 2018-12-24
Company: EQUIFAX, INC.
State: MN
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:
8 Years I cant get a New Credit Card Becuse of the Attached Photo of a Extended Consumer alert in my Credit File ====== Can XXXX Equifax and XXXX XXXX please Remove the Extended Consumer alert in my Credit File XXXX XXXX Sent me a Attached Picture of a Extended Consumer alert Please Remove ============== 50 times I sent the 3 Credit Burow pictures of 3 Forms of my ID and the Credit Burow almost never respond other then They Cant verify me or Send ID agin ======= XXXX RESPONDED DESCRIPTION OF NON-MONETARY RELIEF According to our records, your XXXX  credit report does not display a fraud alert. 

=== XXXX did not Respond about the Extended Consumer alert XXXX  Please Resond about removing the Consumer alert ======= XXXX should Remove the Extended Consumer alert in my Credit File XXXX XXXX  CEO Banks XXXX XXXX and XXXX XXXX XXXX robed me {$100000.00} dollers then 40 Bank lawyers say its Imposabale two Comprhend the Bank rob people the bank cant comprhend Robing People 6 years Im a XXXX  living in Forign Countries its Verry Hard two find a Printer two mail the Credit Burrow a letter two Please Remove the Remove the Extended Consumer alert in my Credit File American Banks rob all my Money making me a XXXX  then American Banks block 90 % of my banking dose not Work The Banks Block all my XXXX  Purchase I applied fore 100 new Bank acounts all denied but one Bank that Nothing works CFPB says two call them and The only way two call and American BANK 1800 number Requires a CELL Phone with International long Distance cost {$5000.00} dollers a YEAR

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: MA
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

Date of last reported is still XX/XX/2018, how can you explain that you verify this account with an old date not even being updated? This is rediculous! have this deleted immediately, otherwise I will file a complaint against your agency!

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 2018-02-06
Company: Bonneville Billing and Collections
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My medical bill is actually from federal workmens comp personal injury with XXXX XXXX

So the collector sued me and my husband but we never got the summon. I had to go down to clerk downtown and get copies of of declaration of service and funny they said we my husb and i accepted its XX/XX/2016 at XXXX XXXX.. a Monday.. well only the dogs are home at that time of day. also its my debt. For my personal injury. Why are they suing my husband. I have insurance with VA. And we also have his. I sign the paper that i will be responsible for the bill. Also, the same bill is Also being mitigated in superior court for XXXX.

It has been there for a while. So in the end the collectors will get 2 payments! They wont work with me either to pay it off.. and since i am XXXX XXXX XXXX cuz of my XXXX from the service. This XXXX started yelling at me and calling me rude and he said he will flag all my calls because i am just wasting their time.

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