BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-04
Company: ISIS SECURITY INFORMATION SYSTEMS INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed the claim that I owe {$350.00} to XXXX XXXX XXXX XXXX XXXXXXXX to both XXXX  and the collection agency on XX/XX/XXXX of this year. XXXX replied on XX/XX/XXXX and stated that the information regarding the collection had been verified. The debt collection agency responded on XX/XX/XXXX in a letter stating, " ... WE ARE AUTHORIZED BY OUR CLIENT TO REQUEST PAYMENT IN FULL OR PROCEED IN A MANNER PRESCRIBED BY LAW. IT IS TO YOUR ADVANTAGE TO COOPERATE FULLY. '' This written correspondence from XXXX XXXX XXXX XXXX XXXX included a copy of my drivers license and a signed copy of an Authorization to Release Medical Information form. I think this is a violation of my rights and breach of security with respect to unsecured PHR identifiable health information ( i.e. my personal health records ). They have acquired these documents without my consent. 

I told them as much in a letter dated XX/XX/XXXX. When I hadn't received a response from them in close to 30 days, I called their office in XXXX, MD. A woman representative explained that they'd received my 2nd letter and were uncertain of " ... just what it is I want from them. '' She went on to say that their company 's reputation and longevity in working with their client was sufficient enough to validate the debt. 

Their refusal to remove this erroneous collection from my XXXX   credit report is costing me damages near {$690000.00} because I'm unable to complete the process of buying a home due to the affect the collection has on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : 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

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 2023-05-13
Company: 1st Franklin Financial Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
First Franklin financial in XXXX GA has given me two loans since I have been XXXX XXXX military however now when I apply they tell me it's illegal if it's illegal I would like all the fees and interest back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Cbna ( XXXX XXXX ) pulled hard inquiry on XX/XX/XXXX and XX/XX/XXXX  on my credit report .I received a rejection letter I immediately called them and stated I had not applied for credit card with their company .They told me it would be deleted but XXXX is still showing their hard inquiry. XXXX  no doesn't show these inquiries.Do n't know the extinct that these hard inquiries hurt my credit score but am sure it's not helping them.

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 2020-05-21
Company: United Built Homes LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX a mortgage agreement was made for {$190000.00} between myself and United Built Homes, L.L.C as both the lender and the seller of a home in XXXX XXXX, TX. In this agreement no prepayment penalty was disclosed. A simultaneous agreement was entered to build the aforementioned home that included the seller providing a proper survey and permitting according to local law and jurisdictions ( XXXX XXXX ). This loan agreement at 6.97 % is well above the current market interest rate. Beginning in early XX/XX/XXXX, I have been attempting to refinance the mortgage with United Built Homes L.L.C. I can not refinance my mortgage into a more suitable interest rate because United Built Homes L.L.C refuses to provide a proper survey and permitting ( that is owed to me according to my original agreement ) that will allow me obtain an address for the home and thus allow another lender to provide a mortgage. Not only is the home unlivable, but United Built refuses to allow me to refinance out of their mortgage. 

When raising my concern with the mortgage servicing department, the associate refused to escalate my situation to the Office of the President much less his manager and advised I must pay the mortgage and it's my responsibility to figure out a way to refinance ; before hanging up on me. I have also requested reimbursement for the interest expense that I have occurred due to the lenders mistakes and lack of response to fix the issue. This too was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
There was a change in Server of my mortgage from XXXX to New Rez, XXXX had transfer what they had in the Escrow Account to New Rez. XXXX XXXX was collecting per month {$420.00} up until XXXX XXXX and I was paying the same amount to New Rez for that escrow calendar year, which amount to {$5000.00} for that year. I had notice there was same type of problem that was going in the pass, where the Insurance Company was writing policy that was fraudulent, what they was doing adding their values to my dwelling, personal property to increase the values of the policy for more money for that year. I had call the for Policy Service the Producer of the policy for XX/XX/XXXX to XXXX XXXX to change those value and she refuse to do so. I told that person then I was going cancel that policy, and I call her on Friday of that week, I had to her on Monday it was XXXX XXXX, but I had call her back the next day an told her cancel that policy. But that policy was paid for before I had received and revue that declaration from XXXX XXXX. XXXX XXXX premium had cost {$4000.00} and the other insurance cost was {$2500.00} with State tax was was {$1600.00} had came to a total of {$4100.00} from {$5000.00} there was a surplus of {$850.00}. I was sent a check for only {$340.00} and {$510.00} was with held from me. I was inform the remaining sum was place in a Cushion account. Which there was never such an account in sixteen years of my loan. I feel their action was base on me telling that Escrow Department they had no rights to purchase a policy for me before I had review the declaration an cancel it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2017 Creditor tagged my consumer report as derogatory reporting discrepancies each time they update in which I am unable to get anyone on the phone to obtain supporting docs submitted by XXXX referencing settlement of both accounts. Instead of removing the accounts upon receipt of lump sum payment they waited until a dispute came in the way both accounts were removed. They listed as charged off and still trying to collect more monies and damage my credit. 

XXXX reports and update on XXXX reports several times within a month while XXXX and XXXX report same account together as one on TransUnion reports. I feel their practices is unfair. XXXX ( XXXX ) reports a remedy in comment section and tagging TransUnion with XXXX using the same address

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
On Tuesday XX/XX/XXXX 2017, I contacted Trans union regarding a copy of my Credit File received by me. The entire conversation was meaningless. The person I spoke with was not fluent in English and was very hard to understand. The entire conversation became very difficult and I eventually hung up the telephone. First and foremost, I do not like the ideal of Trans Union changing dates from the original date in which a Collection Agency reports to Trans Union.  Just because the original creditor keeps selling the debt to different Collection Agencies gives Trans Union no reason the change the original reported date. By handling the situation in this manner will only continue to have the reported amount linger on the report much longer than the original stature of seven ( 7 ) years from the dated it is reported. In disputing the creditor XXXX XXXX XXXX # XXXX Amount {$750.00} From XXXX XXXX XXXX XXXX Hospital, I ask for this agency to provide me with a copy of a statement of items to link me to the bill of & XXXX. All Account Resolution Service Accounts # XXXX were asked by me for Trans Union to ask for a copy of statements of listed items linking me to the bills listed. XXXX, the person I spoke with said he could not ask the Collection Agency for what I was requesting. I asked why? I have asked for theses documents upon several occasions and was brushed off as if this was not important. I personal contacted XXXX XXXX XXXX regarding account # XXXX amount {$680.00} for documents with my signature to be mailed to me. I was told that I was not getting any such paperwork and I needed to pay the bill. Maybe I will if indeed their is paperwork with my siguture attache to it. I also noticed the XXXX XXXX account is in good standing, but separated from the Satisfactory accounts listed. I would like that to be corrected immediately. XXXX seems to to have too much extermination to correct the items on a credit report without letting the Agencies take care of the request themselves. I have reason to believe he feels he has to help the Creditors in some way, and they need to be protected. I remind him he was in Customer Service to provide a service to the Public,  not to make decisions that is not in his Scope of Responsibilities. If I am accused of having accounts reported to the three Credit Bureaus and feel that information is not true, then I would ask for proof.

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 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$7000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2100.00} USDOE XXXX XXXX {$4500.00} XXXX XXXX  XXXX {$28000.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$2200.00} XXXX XXXX {$890.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX  XXXX {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
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: Account information incorrect

Complaint:
I was recently denied for a car loan as information supplied by Experian ( on behalf of XXXX ) makes it appear that my debt to income ratio is problematic. This is due to erroneous monthly payment amounts being reported totaling over {$700.00}, notwithstanding the fact that I am currently on an Income Driven Repayment Plan with a monthly payment of {$0.00}. I have been on this plan for years, and will continue to remain on this plan so long as I recertify yearly, which I have always done. This issue only appears in error on my Experian report ; my XXXX  and XXXX reports both list my monthly payment correctly at {$0.00}. 

In speaking with these companies, Experian blamed XXXX for providing inaccurate information, while XXXX blamed Experian for " interpreting the information they provide incorrectly. '' The bottom line is that SOMEONE is responsible for this inaccurate information, and responsibility can not simply continue to be shifted back and forth. The information needs to be fixed. Period.

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 2019-06-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
There was an account opened with Chase Bank fraudulently and I did not know that it was opened and it carries debt. I did not approve of this account and it is a result of fraud and identity theft. I should not be responsible for something I didnt do. I ask that Chase do their due diligence and investigate this account and provide information about what is going on and erase this from my profile and not hold me, XXXX XXXX liable for this fraudulent account. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX and my number is XXXX. Pleas and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Southwest Credit Systems, L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a call from creditor in XXXX about collection informed them that this was the 3rd collection agency i have heard from creditor claimed they we're disputing with original creditor shows up on credit report call them they thought it was a joke and claimed i was only able to file a dispute by mail then hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PNC has refused to reverse payments made from my account for services that were NEVER received. I am, at this point, DEMANDING the transactions be reversed and the funds be returned to me. However, since PNC enjoys colluding with scammers and approving of their methods, I have also now involved my family members at the White House and the Federal Bureau of Investigation, informing PNC has dragged this out going on 6 months and are refusing to refund money that was used to pay for services that were NEVER received.

THIS IS GOING ON MONTHS 7-8 CHASING PNC TO REVERSE THE TRANSACTIONS ON MY ACCOUNT THAT WERE A PART OF A SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$7000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2100.00} USDOE XXXX XXXX {$4500.00} XXXX XXXX XXXXXXXX {$28000.00} XXXX XXXX XXXX {$16000.00} XXXX   XXXX {$2200.00} XXXX XXXX {$890.00} XXXX XXXX XXXX {$410.00} XXXX XXXX  XXXX {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a XXXX  credit card with Suntrust. The card did not allow for payments to be made online. The only way to pay the card was by telephone or by placing a check in the mail. I made a payment by telephone and received a letter in the mail informing me the payment did not go through. At the time I made the payment, I was told I did not owe a payment so I just figured I would wait for my next statment in the mail. After, not being able to use the card I call on XX/XX/XXXX and was informed I missed a payment. At this point I decided to payoff the card and close the account. I was unable to make online payments and get accurate information concerning the balance on the card and so I decided to just get rid of the card and close the account. I was given the balance on the account from the suntrust repersentative and gave by bank information over the telephone to pay and close the account. {$5100.00} was withdrawn from my savings account and given to Suntrust. The Suntrust representative closed the credit card account and applied the payment to an account that did not belong to me. I found out the payment was applied to the wrong account when I returned a call from Suntrust. I was told the situtation would be corrected and asked to file a complaint against the employee who applied my payment to an account that did not belong me. A letter was mailed to me from SunTrust on XX/XX/XXXX, stating that the balance was {$5200.00}. On XX/XX/XXXX, I receive a letter from Suntrust stating that the balance due on my card is {$5200.00} and that I have a past due amount of {$70.00}. They still have not correctly applied my payment. I reached out to SunTrust this morning, I'm told that in order to move forward with my call, I must answer two security questions. The first question was, " What is the credit limit on the credit card '' I don't know the answer to that questiong given that I closed the account and not able to look up that information. I was placed on hold and then latter told that a supervisor would call me back. I had given them my EIN number, the name of XX/XX/XXXXXX/XX/XXXX and provided the correct mailing address, but I can't move forward with my call because I don't know the credit limit on a credit card account that closed two weeks ago.

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 monetary relief
Consumer complaint received 2021-01-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We paid what was owed on account but there was an amount charged of XXXX that I never signed for and it was a fraud from a jewelry story from out of the country as soon as it came on my account I contacted HSBC and they would not do anything and I found out they are not in the United States. I need some help and really advise no one to obtain the HSBC CREDIT CARD please help with this situation as I have no problem with numerous credit cards I have and want to fix this Asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Bread Financial 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: Problem with personal statement of dispute

Complaint:
Comenity Bank I've reach out to this company regarding late payments, which I ask for a goodwill forgiveness letter. They refused to remove late payments from my credit report, which to this day I've made my payments on time for the past year. I believe I've providing myself as a loyal customer.

Company response to consumer: Closed with explanation