BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: DISCOVER BANK
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:
As to XXXX XXXX 's response on behalf of Discover case # XXXX, the new basis of my complaint given your response is you are required by law under the FCPA and it's underlying regulations to immediately remove and immediately cease furnishing inaccurate information. To be clear, specific, and to help in your actually responding to my complaint ; per your own response, a payment made by myself on XX/XX/2019 was returned by XXXX XXXX on XX/XX/2019?? A month later? Under what cause? And by whose authorization? Then, again by your own report, a payment of {$500.00} made on XX/XX/XXXX was also returned by XXXX XXXX on XX/XX/XXXX? Again, I ask under what cause because on both you state unauthorized, is that akin to claiming fraud? Again, who made the claim and on both, you fail to state after two returned transactions as " unauthorized '', what contact did Discover have with me on either as to verification, etc? After the first returned funds under " unauthorized '', was my card shut off? Any security measures made? Any contact with me? Then my account was closed on XX/XX/2019. My claim is clear, those returned payments were done under identity theft and fraud, I never once authorized, filed claim on, disputed any payments I made. And for clarification, how is a payment made out of my account a month later deemed unauthorized? Does that mean XXXX XXXX was claiming someone was making my payments for me? You have, continue to report inaccurate, misleading, information which again you are well aware. Under the FCPA, that was to cease immediately long ago. This is the clear basis for my new complaint, I am again notifying you as you were also provided a police report, FTC Report, and next attorney general 's report that I was a victim of identity theft and fraud. Further, XXXX XXXX has just two days ago admitted in writing I informed them the payments taken were legitimate and admitted they were lawfully responsible to repay Discover immediately. It couldn't be a more clear case. Please feel free to dispute anything specifically stated here, please do not devalue this agency nor the Laws under which you are bound.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: PNC Bank N.A.
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
PNC Bank fails to provide a fair and easy system for non-bank members to submit auto loan payments. I got stuck with PNC when I bought a vehicle at a dealership and found out that PNC has provided XXXX different websites for receiving payments. Forced to use XXXX to start which later disappears. I then have to use a 3rd party system which also discontinues, and now I am stuck with the worst version XXXX. This site fails to set up automated payments, fails to notify me of anything online when payments do not submit or if I am late. I have no records of payments made from other sites or the version my past employer was forced to setup just to pay on my truck one year. Only thing you can see is the montly payment information. What if I want to pay extra on principal one month - How do I know they processed it correctly!! 
No phone calls come in until AFTER 30 days late which they quickly report to credit bureaus. They will not talk about options to have it corrected and will not provide me a better system of making reliable payments. For such a wealthy corporation to use a website that my XXXX XXXX XXXX could build is beyone me! I truly think the inconvenience is intentional to force you to send a blank check or open a bank account with them. Then they can take full advantage of me I am sure. No Thanks! I want my credit report fixed NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I usually don't monitor my credit I am in the process of buying a home and I see several accounts listed that I have never opened.

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 2019-10-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Provided experian with proof that the first date of delinquency was 2 years prior to what the creditor/collection agency has listed as the charge off first date if delinquency. The creditor falsified the date and verified to experian their false date and despite the proof Experian failed to change the date siding with the creditor.

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 2017-01-06
Company: JPMORGAN CHASE & CO.
State: WA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I am less than 2 weeks past due on my lease through Chase Auto Finance, and I have a pretty good record of paying them on time for the past 3 years. They have called me 5+ times a day, today starting at XXXX and it is now XXXX and I have already received 5 calls. They never leave a message, and when you answer it is a robo call. In order to speak with someone to ask them to stop harassing me, they require you to enter your Social Security #, which I will not do when they are calling me. 5 calls in one day is intimidating and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I usually don't monitor my credit I am in the process of buying a home and I see several accounts listed that I have never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
good afternoon, ive been asking for Validation of debt owed to XXXX XXXX XXXX  XXXX for a check that went to collection but has already been paid The Collection agency is 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 2021-08-26
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in forbearance from XX/XX/XXXX to XXXX XXXX XXXX due to pandemic. Since then I have not missed a payment. I contacted my mortgage company BSI Financial about a stand alone partial claim. They did not contact me back until XX/XX/XXXX. They gave me 2 new loan options and I chose one. It said my new loan would start on XX/XX/XXXX and when I recieved my statement nothing had changed. When I contacted the person in charge of my account they said the new loan would now start on XX/XX/XXXX. When I go online to look at my account information it says I can't view because my payments are overdue and is unable for viewing. Don't believe my new loan will start on XX/XX/XXXX and need help getting this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I contacted XXXX to talk with TD card services. They could provide no information on a card, opened without my knowledge, without me giving them more personal information. I offered the card number and my name only. This conversation took place on XX/XX/2020 
I have not activated the card or used it. I believe the account is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have been in a dispute process since XX/XX/2017. The law has not been followed, instead broken, by the credit bureaus while the paying creditors have unlawfully submitted entries on my credit profile without my consent. The law clearly states that my original signature on an original creditors agreement is the only proof that can be provided showing my permission to access and report payment activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

The disputed XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX   account number XXXX and XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX have not provided the documentation that is required by law showing my original signature. XXXX, XXXX, and Transunion are not in compliance with the above referenced laws therefore I demand full removal of these accounts 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 2020-03-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I usually don't monitor my credit I am in the process of buying a home and I see several accounts listed that I have never opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-22
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company XXXX XXXX, XXXX were told on XXXX XXXX, 2015 .via certified mail, That this account that they are trying to collect on is a result of XXXX. The company who sent them the information ( Amercian Education Services/ National Collegiate Trust ) had been informed on XXXX 2015 that this account was a result of XXXX and they sold them an uncollectable account. I sent them via certified mail all of the necessary legal paperwork, identity theft affadavit, police report, etc and advised them In accordance with the Fair Debt Collection Practices Act to stop collection proceedings against me and stop communicating with me about the debt except as the Fair Credit Reporting Act allows. I also asked them to notify the the business Aes/NAtional Collegiate TRust that this account was a result of a XXXX. They have not responded to me on this and knowingly went and sold this account to another debt collector XXXX because now in XXXX XXXX, 2015 I received a letter from that collection agency trying to collect on this debt. They have unethical practices here at XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Automated Accounts, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was taken to a hospital for a severe XXXX XXXX  and put into a XXXX XXXX for recovery. My insurance denied to cover me for another week and I wasnt told until the of that it happened. I had no way to leave and was three and half hours from home. No car no clothes and not able to walk. I tried to pay the XXXX XXXX  a payment but they wont take what I can afford. Now I received this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I had an XXXX performed by XXXX XXXX XXXX. This procedure was covered by my medical insurance ( XXXX ). I provided XXXX XXXX XXXX my insurance card and the procedure was performed. 

Months later I received a bill for the above procedure. I called my medical insurer provider to inquire why. According to my medical insurance provider " XXXX XXXX XXXX sent the bill to the incorrect address '' therefore the bill was not paid by my insurance company. As per my insurance provider they provided the XXXX XXXX XXXX the correct billing address. '' I also called XXXX XXXX XXXX and provided the correct billing address just to make sure they had it right this time. From that point on I did not hear back from XXXX XXXX XXXX. Based on my conversation with my insurance provider it appears that XXXX XXXX XXXX submitted the bill on three different occasions, all three times to the wrong address, they had also submitted the bill past the one year filing limit. 

Sometime XX/XX/XXXX, XXXX XXXX XXXX reported to the credit reporting agencies that I had an unpaid bill ( this now shows in my credit report as a " collection '' ). I only became aware of this after checking my credit report, something that I do on a regular basis. At that point I contacted my insurance provider and the collection agency in order to determine why this was happening. I spoke with the collection company and explained my case, providing them all the background information. This did n't work. I have received several calls with intimidating tones and innuendos from the collection company. Many of these calls are during my work hours and are harassing in nature. 

Attached is the " explanation of benefits '' from my insurance company. In the claim summary, under " member responsibility '' it clearly show that I 'm not liable for the amount, Further down in the explanation section it also shows ( item TFO ) that the service provider, XXXX XXXX XXXX submitted the claim past the filing deadline. 

I believed this now a matter between XXXX XXXX and XXXX XXXX XXXX. I 'm in no way involved since I 'm covered for this procedure and I paid the required amount based on my health insurance coverage. I feel that this in unjust and unfair and that XXXX XXXX XXXX through its collection agency has damaged my credit, negatively impacting my financial future and potential transactions, and also possibly placed my job in peril as I 'm required to undergo periodic background checks based on my present position.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about  XXXX  I ended closed my account  XXXX . At this time there was a balance due of under  (  {$500.00}. ) which I was told I would be billed for. I paid this bill on our about  XXXX   XXXX . Several month later the account was sent to  XXXX  collection agencies and this is now th e 4th t ime I have addressed this issue and the 2nd time wit h Enhance Recovery Corp. Th is account was previously removed on all three times from my credit report. I have supplied the documentation and proof of payment each time the last being in   XXXX  . I am prepared to file a harassment law suit for violation of FDCPA against  XXXX  and ERC if the account is not immediately removed from my credit report. The harassing phone calls that have begun have impeded on my work. I thought this matter was resolved in   XXXX   and I no longer have my documentation but ERC should because it was sent directly to them.   The  XXXX  other collection agencies ceased all efforts after having been supplied the information and it appears that  XXXX  just keeps reassigning this PAID account to different collection agencies or ERC is attempting once again to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: ONLINE Information Services, Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never had an account with XXXX energy. My electric services when living in XXXX NC was with XXXX XXXX for some years ( which was taken over by XXXX XXXX in XXXX, i believe that is when the merger happened ) and I never had a lapse in my electric service due to an amount due. In XXXX I moved out of XXXX and have had my electric services with XXXX XXXX since. I did contact 'Online Collections ' in XXXX of XXXX and requested documentation outlining what the debt was for along with the time frame debt occurred. I was told ' You just dont like to pay your electric bill ''? I was also told XXXX energy sent me this information and I should pay this bill. I replied with if you can supply me with documentation that this is my bill .., I will happy to pay. Online Collections then indicated on my credit report that I agreed to pay and now am disputing. As well they never have supplied me with any NONE nothing.., documentation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: SYNCHRONY FINANCIAL
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I filed a CFPB complaint ( # XXXX ) citing inaccurate credit reporting by Synchrony Bank relating to a charged-off XXXX credit card in the amount of {$2100.00}, which was continuing to be reported on my XXXX  credit report despite the company stating they had discontinued reporting in XXXX. Additionally the company refused to accept payment when contacted, stating that because the debt was discharged via IRS Form 1099, they could not accept payment. 

In the company 's response, authored by XXXX XXXX on XX/XX/XXXX, the company stated that they would forward an Universal Data Form ( AUD # XXXX ) to correct XXXX  's information. Further, Ms. XXXX stated that the company would accept payment on the debt, " ... payments may be submitted to the payment address on the billing statements you referenced even after the statute of limitations has been reached on an account. '' On XX/XX/XXXX I attempted to make payment to Synchrony, contacting their customer service line. Both the primary calltaker, and her supervisor refused to accept payment on the account. Immediately after speaking with them I contacted Ms. XXXX and left a voicemail requesting assistance. I received no callback. 

On XX/XX/XXXX, I made a full payment of {$2100.00} ( Confirmation XXXX with XXXX XXXX ) on the account using my bank 's Bill Pay system. I believed this would force Synchrony to process a payment in accordance with Ms. XXXX ' statements in the company response. 

On XX/XX/XXXX, I again attempted to contact Ms. XXXX relating to getting assistance addressing the account, now that the payment had posted, leaving another message. I again received no callback. 

On XX/XX/XXXX, after not receiving contact from Ms. XXXX I filed an appealed dispute with XXXX citing the payment and requesting Synchrony provide clarification to Experian that the account is now paid. I also requested the consumer challenge on the account be removed. On XX/XX/XXXX, I received the dispute results in which the consumer challenge remained attached, and the account was again reported as Charged-Off with derogatory impact on my credit score.

I again attempted to contact Ms. XXXX regarding the account, and received her voicemail. In the voicemail I stated this was the 3rd attempt to contact her regarding the account this month, and failure to return my call by close of business would result in a CFPB complaint filed.

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 2017-07-30
Company: BB&T CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I CALLED BOTH PARTIES INVOLVED AND HAVE NOT GOTTEN ANY RESOLUTION as i only applied one time but its showing up twice on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation