BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-08
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX we received a demand for payment of a medical debt in the amount of {$1100.00} from Credit Bureau Systems Inc., XXXX XXXX XXXX XXXX KY XXXX. ( Hereafter CBS ) Copy of letter attached below. 
On XX/XX/XXXX we received a second demand for payment of a medical in the amount of {$1200.00} from the same company. Copy of letter attached below. 
On XX/XX/XXXX we responded with a letter of demand for verification of debt and authority to collect the debt per FDCPA guidelines. Copy of letter attached below. No proof of debt or authority to collect it was ever provided. 
On XX/XX/XXXX we received another letter of demand from CBS in the amount of {$1200.00} with notification that all credit reporting agencies had been notified.Copy of letter attached below. 
On XX/XX/XXXX we responded with another demand for verification which was never received. Copy of letter attached below. Many additional requests have been made to remove the collection notice from our credit record.The claim is listed as disputed on our credit report but CBS has refused to remove it to this day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: N.A.R., Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I disputed this account XXXX times with the creditor NAR INC and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail and via email to creditor and XXXX XXXX XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the XXXX days validation period this must be deleted. The creditor only responded to XXXX XXXX XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer directly? 
My fair credit reporting act rights are being violated by the creditor NAR INC by not providing validation of the account with the consumer directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To : Whom It May Concern My name is XXXX XXXX. My recent case number is XXXX, which has been closed. I will like to re-open this case based on new evidence that will help prove my case. I have evidence that the company ( XXXX XXXX ) that may an unlawful withdraw from my checking account is a scam company and I am not the first victim and I wo n't be the last until they are stop. This company is not affiliated with the Better Business Bureau and there has been many complaints to the Better Business Bureau concerning XXXX XXXX. Just as I mentioned before, this company will not answer any more of your phone calls once you find out that they are a scam company and you want to cancel with them. I have more information about this scam company as it relates to other people and the Better Business Bureau.  I saved the link about this company. The information is very informative. This link is included in this complaint. 

Thanks, Yours Truly, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
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 status incorrect

Complaint:
Experian reports incorrect information. I had an auto loan with XXXX XXXX as of XXXX, XXXX and which was paid off in total as of XXXX, XXXX. Upon my complaint through CFPB, all the three credit reporting institutionsXXXX XXXX, Experian and XXXX did remove the incorrect information and showed that the loan was settled by pay off and account closed in XXXX, XXXX. However, on XXXX XXXX, XXXX, Experian reports a late payment as on XXXX, XXXX yet that account was long closed in XXXX, XXXX XXXX, that I had no finance and/or contractual obligation with XXXX XXXX by that time having closed the account in XXXX, XXXX when XXXX accepted settlement in full from my insurers, warranty and gap which was duly paid as requested and agreed. XXXX XXXX has never issued me a certificate of satisfaction even when requested.

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 2022-10-03
Company: BSI Financial Holdings, Inc.
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
BSI never removed a XXXX put on my property after loan ( XXXX ) was paid/satisfied in XXXX of XXXX. Property was in escrow and now can not be sold whereby I am losing hundreds of thousands of $ $ $ daily. I have contacted their CS Dept who has acknowledged that BSI dropped the ball on this. BSI CS has advised they are dealing with their " shadow '' internal " ROL Dept (? ) '' to get this resolved. However- the ROL Dept supervisor XXXX XXXX states she is actively working with their " vendor '' ( who also seems to be a shadow entity ) to get this resolved. Yet this tells me nothing more. No ETA - where they are at - NOTHING. I will not standby and have this happen to me and have retained legal counsel on standby if this does not get resolved ASAP. I have also contacted ( 6 ) of BSI 's Leadership/Sr Mgmt officers of the company with formal complaints as of today. I also will be reporting them to the Consumer Affairs & to the XXXX. In addition - I have COntacted XXXX XXXX XXXX XXXX who is the end client of BSI 's. They have advised they too are not getting anywhere with them. I also see that BSI was sued back in XXXX of XXXX for poor loan servicing practices to name a few. It seems that new leadership needs to be at the helm with all these poor reviews and having had a subsequent lawsuit that will no doubt result in more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have written to XXXX on a minimum of three occasions requesting proof that I was ever late in my payments and they have not provided me with a pay history from the beginning of the account opening. These late payments being reported are harming my credit profile and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First lets start off with me disputing this account with the credit bureaus. Time after time Phoenix Financial verifies this debt that I had no idea about. I finally sent them a validation letter to get more information on the account and to see if they are legally able to collect on the debt. It has been more than 30 days I have not received any thing from Phoenix Financial. I am also including the tracking number from USPS to confirm that they did receive my letter but failed to supply me with documentation from this account. 
Tracking XXXX XXXX XXXX XXXX XXXX Since they have ignored my letter they must delete this account from my reports. If they had the proper documentation I am 100 % sure they wouldve responded already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Bread Financial Holdings, Inc.
State: UT
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 recall I had no lates on this account and now I am seeing 2 thirty day lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I obtained a loan from Springleaf who are now OneMain. I have had trouble paying the loan and the company offered no resolution. They have called and harassed me and to only solutions that they had included paying money that I do n't have or running my credit again. I spoke to XXXX at the XXXX location and was told that the late pays would be removed if I brought the account back current and he did not keep his end of the promise. This account is reporting a higher balance than what is owed on the account and OneMain is a loan shark. I can not believe that I am going through these kinds of changes with this company. I have tried to resolve the issue and have not been able to. I had my account switched to an office closer to me and the manager at the XXXX XXXX he talked to me like I was an animal. He said that he knows what " kind of person I am and his office is not going to tolerate that '' this company has made me feel less than human and are ruining my credit. I have not paid them because they have been deceptive and practices predatory loan antics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I started the loan in XXXX XXXX with a car purchase price at right around {$21000.00}. I have been paying the loan since then XXXX 5 years XXXX, quite often making late payments but always tried to pay something. The car was repossessed a couple of months ago in which I paid the past due to get possession of my car again just a few days later. It is now XXXX of XXXX and they are saying the pay off of my car is an estimated amount of {$14000.00}, which I have been paying on for 5 years and the original price of the car was under {$21000.00}. So according to them and their pay standards I have only paid {$6000.00} towards the original cost of my car. 
I feel that it 's almost illegal the interest, fee 's and etc. cost I am being charged for this vehicle and believe something can be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Im writing to ask that you consider a specific concern that the banking industry has inadvertently left its customers more vulnerable to fraud in an area that would be easy for them to fix in the ACH ( Automated Clearing House ) transaction capability. The risk was minimal when they created consumer ACH capability years ago, but is substantial in todays reality of hacks of government entities like the Office of Personnel Management and companies like XXXX and XXXX. 

Today many companies automate payments using ACH debits to consumer bank accounts ; however, the consumers control over this capability is almost non-existent. Transactions between personal accounts require configuring debits or credits or both with approvals by both accounts ; but companies need only a consumers routing and account number to withdraw funds up to the limit of {$15000.00} per day per account ( or {$45000.00} per month. ) This leaves the door open to honest mistakes and fraud in numerous ways. 

Currently banks have not yet added configuration capability to safeguard against potential fraud. This was probably well intentioned, aiming to minimize the burden of automated payments on both vendors and consumers ; but it is now a disaster waiting to happen. An obvious scenario would be for a company to acquire a large volume of hacked consumer information, to make massive withdrawals, and then to disappear. ( An overseas shell company, for example. ) This would leave banks on the hook when their customers disputed these transactions, AND temporarily destroy many consumers cash resources. Yes, disputes would solve this for consumers, but the weeks necessary to resolve the problems would seriously impact many families. 

I hope Ive made my point. I believe history has shown that sooner rather than later, someone will take advantage of this vulnerability. Lets get ahead of the game and either persuade banks to provide more configuration capability, or, as a last resort, require them to. 

Last week a mistake by my investment management firm left my bank account almost empty when they made a simple mistake, debiting rather than crediting my account. Fortunately, I had configured appropriate alerts and discovered the problem immediately. My investment management firm is one of the countrys most reputable ; and the same can be said of my bank. However, I still have no ability to configure things to make such a mistake impossible in the future! Im not as concerned for myself as I am for people less fortunate than me, which includes many, if not most, of my fellow Americans. Please consider doing what you can to help correct this situation. Thanks in advance for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've received a copy of my Transunion credit report and found the following items to be in error. I am being wrongfully denied credit due to this matter

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 2019-06-24
Company: Mr. Cooper Group Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Between XXXX XXXX 2019, a comment " Account information disputed by consumer, meets FCRA requirements '' was added to our mortgage. Subsequently it lowered our score by double digits just as we were looking to finance the purchase of a new automobile. No account information was ever disputed. We had asked that they provide the correct address to our insurance agent because the previous one was not valid and led to the premium not being paid on time from escrow. ( see attachment " Untitled.jpg '' ) This issue began after the account was transferred to the servicer and the company failed to notify us that they did not have the policy information. A three-way call between the mortgagee, servicer and agent was necessary ensure the servicer provided the correct information then paid the claim out of escrow. 

We went through this bizarre issue just last year last year when another comment lowered our score as the property was designated as " Affected by natural disaster '' when no such insurance claim or official government designation was made. ( see attachment " Untitled 001.jpg )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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: Account information incorrect

Complaint:
My complaint is with a company called XXXX XXXX, collection agency, which is reporting a collection account on my Experian and other credit reports that has absolutely no balance and no debt whatsoever. I have personally called the company twice to get the so-called amount due but they do not have any information or even the account number. They are only stating that the original creditor, which is XXXX XXXX Hospital filed the complaint. When I called XXXX XXXX XXXX XXXX XXXX to get the exact amount I owed, to correct and dispute of the no balance no debt remark on my credit report, I was not assisted. 

I contacted Experian only two days ago to ask how a collection agency could report a no balance, no debt account negatively on my credit and have it continue to show up on my credit report ( s ) as an " collection account '' but Experian was told the same thing by  XXXX. Experian did try to remove this inaccurate " collection account '' but they did not succeed through XXXX XXXX XXXX XXXX This the account -- a no balance, no debt credit is from XX/XX/2017 is still inaccurate but it will remain on my credit report. I find that this goes against my rights and the Fair Credit Reporting laws.

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 2019-04-23
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX / XXXX XXXX XXXX XXXX said i owed this amount and it was paid in full and this was not my account as i never lived at XXXX XXXX XXXX. They sold it to transworld system inc and it is still on my credit report this account shoukd not be on my credit report as it is paid in full and not my account please delete immediately as this is not my account thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Between XX/XX/XXXX-XX/XX/2019, a comment " Account information disputed by consumer, meets FCRA requirements '' was added to our mortgage. Subsequently it lowered our score by double digits just as we were looking to finance the purchase of a new automobile. No account information was ever disputed. We had asked that they provide the correct address to our insurance agent because the previous one was not valid and led to the premium not being paid on time from escrow. ( see attachment " Untitled.jpg '' ) This issue began after the account was transferred to the servicer and the company failed to notify us that they did not have the policy information. A three-way call between the mortgagee, servicer and agent was necessary ensure the servicer provided the correct information then paid the claim out of escrow. 

We went through this bizarre issue just last year last year when another comment lowered our score as the property was designated as " Affected by natural disaster '' when no such insurance claim or official government designation was made. ( see attachment " Untitled 001.jpg )

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 2020-07-07
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The issue here is that pnc will not allow linking my checking account in regards to getting a small loan. This exact issue also poses a problem with a savings plan through XXXX  XXXX. Pnc is virtually the only bank that is controlling their customers life with this inconvienence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving phone calls from number XXXX, they say they are from Synchrony Bank, trying to collect a debt from 2 credit cards which I don't owe anything.

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 2017-11-09
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I filed a complaint with your agency and the company, Experian, responded, but did not respond to the issue. After contacting XXXX and Experian to place Security Alerts and Security Freezes on the information they store on me, ( this request was made in response the the XXXX security breech ), Experian lowered my FICO score. There had been no change in my credit history other than my requests to the 2 credit bureaus. When I made my request to Experian, they responded that they would notify the other 2 credit bureaus. In my earlier complaint with your agency, Experian responded that they are unable to determine why my score would change because the algorithm they use is so complex. That is ridiculous. They could easily compare my credit data pre and post their change in the FICO score to determine identify any data that caused the FICO score change. My earlier complaint was not resolved and your agency closed it and indicated it was resolved. You closed it before even determining if it was addressed. You closed it in response to a canned response from the credit bureau. My earlier complaint is # XXXX. 
When I contacted your agency about my complaint by phone yesterday, I was told that 99 % of your cases are resolved. That means that the credit bureaus sent a response 99 % of the time. This does not mean that 99 % of the complaints filed with your agency were resolved.

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 2017-11-09
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have old auto debt from 2007 and my car was voluntarily repossessed. My father was the co-signer and they keep harassing my father. He is not employed. They have filed a judgement against him and they were taking money from his checks when he was working. My father is very sick and I am not employed either and XXXX and XXXX continues to harass us by sending us court papers to try to collect this old debt. We do not have this money. They already have the vehicle and have resold it.

Company response to consumer: Closed with explanation