BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXX OF XXXX XXXX Account XXXX Account name : Untitled Account XXXX Account name : FAMILY LA CO Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a credit card account ( Best buy VISA credit card ) under Citi bank. 
I have multiple charges ( 5 ) of exactly {$100.00} each by XXXX XXXX XXXX and XXXX XXXX. I also have 3 separate charges of {$75.00} by XXXX XXXX. All of these charges were within days of each other. 
I am sure my credit card information was stolen at a gas station and I have reported my card stolen as soon as I saw these charges on my statement and was issued a new card. 
However, the credit card company recently told me that these charges were deemed to be not fraud and my credit card charge dispute attempt was denied for all of these charges. Now, I am stuck with {$720.00} worth of credit card charges that I never authorized. 
To me, this dispute seemed straightforward but the credit card company did not agree. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: CA
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  XXXX 15 USC 1681 B SEC 604 Permissible purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal jury.

2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone XXXX please understand that i know a list of transactions is not a form of validation to be able to report my information or share it with any third parties please cease these actions. 

Small claims court and consumer law attorneys have told me i am eligible to make a small claim requesting payment for defamation if these keeps happening after i disputed it which ive done already. 

Your company is not authorized at all to share my information. Im not asking you to verify anything VALIDATE AND PROVIDE ME PROOF THAT YOU HAVE MY WRITTEN CONSENT TO SHARE MY NON PUBLIC INFORMATION

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 2020-04-03
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX gave my account to a collection agency. I never received any correspondence about an overdue bill. Neither XXXX XXXX nor the collection agency sent me any emails. They claim that the USPS returned the correspondence. XXXX XXXX placed the collection record on my credit report with the 3 agancies and this downgrade my credit score,  which is now costing me money. This was the final bill for a property that we sold. We filed a change a forwarding address with the USPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: PNC Bank N.A.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Friday XX/XX/23 I submitted my mortgage payment. I noticed on Sunday XX/XX/23 I never received a payment confirmation and grew concerned. So, I called my mortgage lender PNC Bank because I was concerned about incurring a late fee, but I was also worried about a double payment if the payment was submitted. The employee told me he was not showing any submitted payments on his end and I was good to make an online payment or make payment over the phone. I opted to make an online payment. The next day XX/XX/23 I noticed two payments taken from my account and it was overdrawn nearly a XXXX dollars. I immediately took off from work to make phone calls to handle this situation. No operator I spoke with seemed real interested in helping me and they all seemed convinced it is my fault. I then called PNC Banks executive office. I was informed by XXXX XXXX that I could either get a check in 7-10 business days or get a letter of guarantee from my bank and get a wire transfer within 24-48 hours. Neither were a great option since I had no money because of their incompetence. But they insisted this was the only option. On Tuesday XX/XX/23 I tried via email and phone to get a hold of XXXX XXXX but failed, so I lost another day there. I finally spoke with her Wednesday and she informed me I was missing a voided check to start the process. I was frustrated but gave her the check picture she needed, and she informed me it would take 24 hours to process. And here we are present time almost 48 hours later no money refunded and an armful of excuses from PNC Bank blaming other people. All while my family suffers financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I've been attempting to get the inaccurate information being reported by Experian removed from by report. XXXX  and XXXX  has revolved this matter without any issues and have updated this information of my credit report. I've submitted proof that these public records being reported by Experian have been unverifiable, also requested information used to confirm this information reported by Experian as accurate. This company has neglected by previous request and have violated the FCRA as they have not been able to provide this information as requested on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I'm simply requesting that this information be removed as they've violated Federal law. Experian has yet to provide any supporting documents as requested due to the fact that this information is being reported inaccurately by them and is impacting my ability to gain credit and financing for my dream home. 
BANKRUPTCY CASE # XXXX BANKRUPTCY CASE # 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 2023-03-09
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I opened up a account with Experian and immediately notice the XXXX XXXX account because I have never had a auto loan with XXXX XXXX never so I called them and spoke to a guy name XXXX XXXX and I was talk to him and gave him the account number XXXX and he asked me my name and I told XXXX XXXX XXXX and he immediately told me that this account belonged to a XXXX XXXX so i asked him why was it reporting on my Credit report and he stated that he had no idea and every time i call now they act as if they have no information or they don't time or try to rush me off the phone so something isn't right so please help 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 explanation
Consumer complaint received 2023-07-10
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: Information belongs to someone else

Complaint:
This is my sixth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-06-14
Company: Experian Information Solutions Inc.
State: GA
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:
These accounts are showing late payments on my credit report. All accounts are paid off.

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 2020-04-03
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I sent a letter to PDQ Services collecting on a bogus debt that they I say I owned to apt complex by then name of XXXX XXXX. I asked PDQ and XXXX to validate the debt and they have failed to properly do so. I have also sent a compliant to the XXXX  regarding XXXX XXXX XXXX in XXXX, GA and their bogus and predatory practices that violates citizen 's renters rights. I have also asked for where I have agreed to their claims and the paperwork clearly shows NO signature from me agreeing to the move out terms or claims. The document they sent me is a statement of deposit summary and has a charge listed, which that is also not proper proof of debt owed to you or XXXX XXXX XXXX. PDQ agency has not complied with the FDCPA and are now in violation of the act. They need to immediately remove the collection listing from my credit report or I will file lawsuit because you are in violation of the FDCPA, section 809 ( b ).

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: 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:
I submitted a dispute regarding charter communications. By law Experian is suppose to contact the original debtor to verify the debt. They didn't instead they used XXXX. So now the account shows as verified but they didn't follow the law in obtaining accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
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: Old information reappears or never goes away

Complaint:
I recently pulled my credit report i have two accounts that are old and keep reappearing on my credit report. They are old and have surpassed their removal date by over 6 years. this is illegal and its effecting me greatly. These accounts need removed listed below XXXX- SHOULD HAVE BEEN REMOVED XX/XX/XXXX XXXX- CLOSED IN XXXX YET ITS STILL REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Fidelity Properties Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fidelity National Collections repeatedly calls asking for {$120.00}? for a XXXX XXXX XXXX Doctors office visit that was cancelled ( By the XXXX office  ). So there was no visit missed. The XXXX office erroneously billed for this visit and I refused to pay for a visit that was cancelled by them. Now this collection co keeps calling. I have asked them to stop calling. They keep calling. Thanks for any help you can give. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Same companies I am complaining against. U dont allow uploading some more pics as proofs. 

I did pay more and did pay on time. I was never late except once in 2018 and did inform XXXX XXXX ahead of time. 

I even recently paid it off but XXXX XXXX did not report or Experian Credit Bureau careless to update! 

XXXX XXXX XXXX owes me!!! I paid off but they do owe me from too much payments from too many interest rate and charge rate when I was on time 90 %!

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 2018-10-10
Company: Bread Financial Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company is XXXX XXXX XXXX. I received phone calls from this company daily sometimes two or three times a day. I have called them back several times requesting information on the debt so I can verify its legitimacy. The company has refused to send me any information. On XX/XX/XXXX sometimes in the XXXX oclock hour, I received phone call from them. I returned a phone call and the person on phone transferred me to a young lady who called herself XXXX. Again requested information to verify that the company is a legitimate company and the debt is mine. XXXX stated that I just need to send money and paid the bill. I told her that I was not going to send money to a company whom I dont know. I again asked her to send me information to verify the company and the debt. She again refused and said I needed to pay {$1100.00}. I stated to her that I was not sending money to a company that I was not sure was even a legitimate company. I also told her that the fact that she was refusing to send me information made me believe that she was a scammer. That made her angry, she started yelling insults and called me broke. I hung the phone up in her face. I am a professional middle aged woman. I refused to be harassed by this company. If they had sent the information and I verified the company and the debt, I would have paid it, I believe this company is a scam. If not their conduct is very unprofessional. Please address this issue and I appreciate your time in the matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRUIST FINANCIAL CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had approximately XXXX in my account and charged {$75.00} at XXXX on my debit card linked to my personal checking account. Also XXXX, the lender that sometimes is helpful when purchasing larger items like cell phones, charged me {$99.00} bi-weekly rather than the expected monthly billing cycle- so this caused me to nearly overdraft my account- but on XX/XX/XXXX I had over {$100.00} in my account. However, I was charged three overdrafts for {$36.00} which led to me being negative {$4.00}. The next day an unexpected XXXX purchase ( {$140.00} ) - which shipped earlier than expected -came out for {$140.00} and then an additional overdraft fee was charged, in all fairness, possibly the only overdraft fee that could have been considered a fair amount to call for an overdraft fee. **I might have actually overdrafted once for the XXXX XXXX, which was unexpected - however, because my bank charged me three overdraft fees on XX/XX/XXXX when I would not have been overdrawn at all this/it caused me to get four total overdraft fees. 
Additionally, I was attempting to have {$1000.00} wired to my checking account that day from my XXXX XXXX investment account, and I was told by Truist Bank 's representative, who was offshore in XXXX, on the phone that it was an multiple day waiting period/international wire - no matter how many times I explained to her that I was wiring it from XXXX XXXX XXXX  in XXXX XXXX to Truist Bank in XXXX - and this caused an additional days delay or there would have been no overdrafts. 
For several years, there has been an element of international intrigue involved in these extraordinary renditions wielded upon me by my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I had a charge on my file for XXXX XXXXXXXX as the original creditor on or around XXXX of XXXX. That was taken off of my credit file after disputing. 1 month later my credit file updated to a portfolio recovery as the debt collector and change the name of the original creditor from XXXX XXXX to XXXX XXXX XXXX. So it no longer shows XXXX  XXXX but XXXX XXXX  on my credit file. I have sent out several disputes letter to all 3 credit bureaus and portfolio recovery as well asking for original sign agreements that I supposedly have with them or XXXX  XXXX. They only sent out account balance sheet from XXXX XXXX. But hasn't sent me or the credit bureau proof of legal sign agreement with XXXX or portfolio recovery. Can you please investigate this issue and have them to send ORIGINAL SIGN DOCUMENTATION FOR AGREEMENT that I legally owe portfolio recovery or XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECEIVABLE MANAGEMENT SYSTEMS is the debt collection agency. 

Original Debt stems from XXXX XXXX XXXX XXXX. I did not receive any medical service from them. I have always had medical insurance coverage and the amount they attempted to bill me is well beyond what I would have been billed even if I had received service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I am locked out of my house. I am temporarily living with my XXXX XXXX  while recovering from multiple hospitalizations. 4 hospitalization stays in the last 2 years. Last discharge date was XX/XX/XXXX. Last long term stay XXXX XXXX XX/XX/XXXX. I have a year from this date to return home. My medication is being adjusted and because of my age and weight its a slow process. I have also had to evict my grandson from the property as he was stealing from me and abusing me while I was living with him. All of my money was taken by him to gamble away. There is a elder abuse case in XXXX XXXX XXXX. My XXXX  arranged for the reverse mortgage and then he stole the money from the house. The money was deposited into my checking account and then he transferred the funds into his account. XXXX XXXX bank failed to monitor bank account transfers, they should have caught the illegal transfers my son made. My XXXX  is deceased and I cant do anything about that now. It took me a year to get my grandson out of the house and then XXXX XXXX XXXX, hired by XXXX  mortgage, entered my home illegally. They said it was abandoned. It was not. I had a lock box on the front door because I was having repairs made. My XXXX caused a lot of damage. He sold off a lot of my possessions. My XXXX XXXX  called guardian asset management and notified them that they had taken possession of my property and it was not abandoned. My property manager has been over several times and the lock box remains. They changed the locks on my house and I dont have the keys. It has been 2 weeks since they were notified and I still cant get into my own home. The property has a reverse mortgage and they are trying to force me out! I have never received a penny for my house! I was scammed by XXXX XXXX and the mortgage company. I never knew he could take cash out. I have vision problems and cant see very well. This is being typed by XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation