BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
i tried to apply for a loan and was told i had a returned check for {$25.00}. i applied at the only bank i use and they know ive never had a returned check so we are both cconfused as to why this is on my report? i also contacted the supposed place i had the returned check and they looked into their records for this time frame and they have no record of any returned checks. this is an obvious error.

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 2021-01-06
Company: RENASANT CORPORATION
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:
I reviewed my personal credit report after home purchasing consideration, and I found multiple accounts that I did not make being reported on my credit report. 
I was shocked that there were exactly six different accounts that were made fraudulently.

I had stated that I am not responsible for these financial transaction and I am suffering from an identity theft crime to all three credit reporting agencies. 
XXXX  and XXXX XXXX successfully removed all of fraudulent accounts from my credit report, but XXXX  is continuing to post one account from Renesant bank. I have contacted the creditor directly to validate the account, and they have not provide any of significant evidences or proof that the account belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RENASANT BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
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:
I reviewed my personal credit report after home purchasing consideration, and I found multiple accounts that I did not make being reported on my credit report. 
I was shocked that there were exactly six different accounts that were made fraudulently. 
I had stated that I am not responsible for these financial transaction and I am suffering from an identity theft crime to all three credit reporting agencies. 
XXXX  and XXXX XXXX successfully removed all of fraudulent accounts from my credit report, but Experian is continuing to post one account from XXXX XXXX. I have contacted the creditor directly to validate the account, and they have not provide any of significant evidences or proof that the account belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When I enrolled in XXXX XXXX XXXX I was promised job security and placement upon XXXX and I was told that whatever federal loans did not cover towards my tuition I would be provided grants to pay for the rest. I found out later that I had a loan from genesis lending. I have no job to repay this loan and on top of that I told them when I signed up that I was an XXXX and they assured me that would not affect my ability to get a job but I have since found out that I can not get these jobs because I have felonies. I never signed or agreed for a genesis loan and the worst part is while I was in school I thought I was paying my federal loan when really it was a loan from genesis which is not a federal loan like I was told but a private loan at a very high interest rate. XXXX college closed and now wyotech will no help me since no longer associated with XXXX colleges. I can no long get my transcripts either.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

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 2015-04-16
Company: Northern Alliance Management, LLC
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a message from a family member that XXXX associates were trying to get a hold of me. I called the company with the correct case # and the gentlemen ( who did not provide his name ) asked if I was me by name and I said yes. I asked for the company name and he provided then started to go into details of a debt that I am unsure of without letting me know it was a debt collection call. I asked for info to be mailed to me at my address on file. He started to get hostile and claimed I have already received notices and kept trying to verify personal information. I claimed I have not received any notices and he asked why have n't I been paying my bills then. I told him I do n't have an account from the company they claim is the original creditor and to send me proof by mail. He kept trying to get me to verify personal information and I told him I am not verifying any personal information on the phone and he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX, I was declared XXXX by XXXX. I did n't have income and I overdraft my checking account. In XXXX XXXX, I begun to work again and I wanted to pay and continue using my checking account but the bank closed it and told me I have a balance for {$1500.00} aprox. I told them I wanted to pay and asked if they could give me a discount, they agreed to discount % XXXX so I paid {$1200.00} aprox and they open another checking account. On XXXX XXXX, I open an account with a credit union offered as benefit from my employer and after gave the member number, online access and pay {$20.00}, they sent me XXXX line email asking for proof that I took care of that balance. I was n't sure what they were talking about, because I have no knowledge of any balance with my bank so I asked them to provide any information so I could verify it. The credit union wont provide the a copy of the information but when I told them I would need some info to find out what was happening they told me that it was reported to chexsystems in XXXX XXXX and with a {$1700.00} aprox balance and that the checking account was closed by them, with a mark of " abuse ''. I asked them what does it mean and they told me I overdraft the checking account. I told the credit union that that info was n't right, that it 's an error and asked them what they want me to do to demonstrate it. The lady, who is the credit union CEO, told me that no matter what I show to her she will not allow my account. Two days later I received a check for {$20.00} and no explanation of expulsion. I have been wrongfully expelled, I talked with the bank and they told me they will updated chexsystems between the last Saturday and the next XXXX and also they will provide a letter specifying I paid on XXXX in full and there is no balance. When I talked by phone with the credit union to apply for membership they treated me normally but when I arrived to the branch they changed completely and ignored me until they saw I stayed there waiting for them to attend me. Then they made all the process impossible, first to get the member number, then the online account, then the verification of the balance with the other bank. I even offered to show the statements so they could see I paid the balance but first the asked for a phone number on the bank, then a letter and when I told them I was expecting it in the next few days the CEO told me she did n't care and I left. I also consider they have discriminated against me because national origin and 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 2016-06-21
Company: MODERN FINANCE COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a used car in XX/XX/XXXX I was supposed to be done paying it off in XXXX XXXX. The company says my loan has matured and I am now being charged XXXX dollars a day until its payed off. I also am not able to view my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Requested PMI removal form from Mortgage company on XX/XX/XXXX. They said they would send me the form to drop PMI, it has been 3 weeks, multiple contacts and I still have not received the form in the mail. 

They refuse to EMAIL me this blank template while constantly telling me they " Mailed it '' yet can not show proof. It is not in my mailbox still after 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: IL
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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. 
You are reported totally different or missing information on my XXXX XXXX account. 
I attached copies of my annual credit reports of all major bureaus so you can find wrong 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 2022-10-11
Company: EQUIFAX, INC.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: NC
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 XXXX. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I filed several times before complaints against " XXXX '', " XXXX '', " XXXX '', " ChexSystems '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " ChexSystems '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Blackhawk Network Holdings Inc.
State: CO
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
Hi, I got a call from someone named as XXXX calling from XXXX Loyalty Department and said there is a promotion going on n based on that your bill will be reduced to 50 % monthly but you need to make the advance payment for 1 year which would be {$420.00} ( {$35.00} per month x 12 months ) and you need to buy a ReloadIT prepaid card using cash. It will be a scratch card and once you buy scratch and give me the number and I will load money into your account. Few of my friends have already did so, I did the same and money started reflecting in my XXXX account as + {$420.00}. But when my new bill got generated it was for same {$70.00} with {$20.00} return payment charges. When I try to investigate n chat with XXXX they said we have refunded the payment to your bank account but I said I never provided any bank account details so, provide me the details to which bank you have refunded they said they did n't have that detail. When I called ReloadIT company n asked to provide me my prepaid card transaction history they said your money did n't went to comcast, it went somewhere else but we can not provide these details to you, we can only give it to concerned authority person like police officer or a lawyer. So, now I do n't have any track to my money where its gone. I am trying to reach to that number but call to not going through. Its looking like a somone internally involved from XXXX who did this scam that he has access to my account to do the transaction. I do have a mail from him but I ca n't reply to that email ID as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2016 I submitted a bill payment for {$990.00} to a merchant through the reloadit safe ( www.reloadit.com ). When setting up the payee information, I entered the wrong account information. When the payee received the payment they could not match the account number and returned the payment to Reloadit ( through Reloadit 's vendor XXXX ). I have been trying to work with Reloadit and their parent Blackhawk networks since that time to get a refund. On XXXX XXXX I was told that the case had been resolved and they would mail me a refund check in 30 business days. After several follow up calls, on XXXX/XXXX/16 Blackhawk said they would resubmit a ticket and it could take 30 business days to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Looking at the account name First Bank, I don't recognize this account as mine. Please corroborate and fix instantly FIRSTBANK PARTIAL NUMBER ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Servis One, Inc., Titusville, PA Branch
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX sold my mortgage to BSI 8 months ago. I was working on a loan modification with XXXX before they sold my mortgage which was quite time consuming. Then the nightmare of switching companies began. I never received anything from BSI until XX/XX/XXXX. They gave no real information just sent a generic letter saying send money thru XXXX XXXX. I immediately thought this is a scam. After a lot of work on my part I was able to talk to someone at BSI about my loan and XXXX XXXX is who I spoke with and she sent out information. She told me how they were going to help me modification will be speedy process. 

Now it is XX/XX/XXXX and I send all the paperwork in to her and then she tells me I need to send more or it will be rejected by XX/XX/2015 I send everything in before that date and they have it. I get a call saying it is be reviewed by the investors and I will know in 30 days. I hear nothing from them so I call my point of contact XXXX XXXX who tells me I never sent the paperwork in. I tell her I did and received a call. She tells me I am wrong then places me on hold. When she returns she states I was correct and she has the information and will send me out a form confirming she has it. I told her your date will be past the due date and she stated it was just to confirm she had everything from me. On XXXX XXXX I received a call from a seperate department telling me my payment was late and my request was declined. I told the person I was talking to that I had no notification of this and she said XXXX is going to mail it out to you. On Monday XXXX XXXX there was a XXXX envelope with the letter inside and another one saying I will be charge a late fee for my mortgage. My payment was not late and I called leaving a very nasty message. XXXX XXXX called me at XXXX stating she was wrong to send that and that my account has never been late verbally but nothing in writing. I was told I have until XXXX XXXX to dispute their finding. I think it is funny that they give you a week but never do what they promise. They said no because they are using Gross Income and not our Net Income. 

We just want our payment lowered so we can buy food to eat really the XXXX payment has our DTI at XXXX % but they are using the Gross Income of XXXX % to say we are fine. This is not the case.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Status : Charge-Off Status Update : XX/XX/XXXX Transferred to another lender Purchased by another lender Balance {$0.00} Balance Updated XX/XX/XXXX Credit limit {$1100.00} Account info Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Company sold Original creditor-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I originated a loan in XXXX and set up autopay. Most months I see the {$350.00} being removed. Apparently my account was insufficient in XXXX of XXXX. I was laid off at that time for Covid. Every month since then, the money was debited from my account. According to Ally Bank, Ive been behind since then and have been charged $ XXXX. Ally said they never tried to call since they were being paid. I feel that is predatory and thats why I am complaining.

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 2016-06-23
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Went to a XXXX shop for a XXXX test. Gave my insurance info and requested an upfront statement of charges. Based on this charge statement and my health insurance info ( I work XXXX so I understand the billing guidelines, etc. ) I paid the full amount I owed including meeting my deductible. Several weeks after service, I received a bill for an additional {$310.00}, which I disputed with the creditor. After no response from them, I have now been repeatedly contacted by a collection agency who has since included this collection on all XXXX of my credit reports, even following my report to them that they were attempting to collect a fraudulent debt. 

This is hurting my credit score and I have no recourse other than filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation