BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was a XXXX XXXX customer with autopay ( XXXX on time payments ) since at least XX/XX/XXXX. I left XXXX in XX/XX/XXXX. They charged my credit card the full amount of service one month later, even though they always billed in advance. They also did this the prior month when I took a family member off my family plan. There was also no prorating of charges. 

When I called XXXX to ask for an invoice to see what i was paying for ( 3 calls : in XXXX, XXXX and XX/XX/XXXX ) they did not explain it well to me ( they used extremely complicated " in house '' jargon ), and refused to mail me an invoice, saying that I had paperless pay so they could not mail me anything. However, I no longer had access to my verizon account online. 

I was fed up, so I disputed the {$51.00} charge with XXXX, my credit card company, on XX/XX/XXXX. On XX/XX/XXXX, instead of responding appropriately to XXXX, XXXX reported me delinquent to XXXX and sent the {$51.00} to collections with IC Systems. 

They later reported me to XXXX, as well. 

I disputed the debt with XXXX but it appears they " sided '' with XXXX. ( I had to call them a second time because the dispute resolution forms they mailed me made no sense ). 

I tried calling XXXX 8+ times over the month of XXXX. I was hung up on repeatedly ( I was not being irate, or raising my voice ) and had reps tell me " I can't hear you '' when I had full service and have never dropped a call from my home, almost as if that were a strategy that XXXX taught their reps, and multiple customer service reps gave conflicting information or made promises that were not fulfilled. 

For example, on XX/XX/XXXX, a XXXX customer service rep kindly told me he would remove the charge from my account and that everything would be resolved in 48 hours. On a subsequent call a few days later, I learned he had no capacity to do that because the " debt '' was already in collections. 

I paid the amount today ( XX/XX/XXXX ) through IC systems debt collectors because I essentially had no recourse, I was bullied into paying it. 

There is no justification for a company to : - Not provide an invoice - Not respond to a credit card dispute, which is what made the bill turn negative anyway - Not give me any advance warning that a bill was going to collections For this piddly amount to negatively affect my credit score for the next 7 years on my credit reports -- - after about 140 on time payments -- seems unjust. To make matters worse, I am currently house and / or apartment hunting and am afraid that, despite today 's payment, I will be denied housing or charged more for a mortgage.

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Treatment of inaccurate or unverified viable information. 

( A ) In general if after every investigation under paragraph ( 1 ) Of any information disputed by consumer or item of the information is found to be in accurate or incomplete or can not be verified the consumer reporting agency shall, 1. Probably delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the and 2. Promptly notify the furniture of that information of the information has been modified or deleted from the consumers file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX To whom it may concern, I just got my credit report and its wrong I was informed I have the right to have a investigation done. Credit reporting Laws ensure that bureaus report only 100 % credit accurate Every step is taken to assure that the information reported is completely accurate and correct. The following information, Therefore, needs to be reinvestigated please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : - Payoff Disclosure - Interest Rate Disclosure - Balance History - Payment History - Credit Insurance Validate Accounts : 1. XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 2. XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 3. XXXX XXXX ACCOUNT : : XXXX, XXXX, XXXX THIS CONTRACT IS CANCELLED 4. XXXX XXXX XXXX  ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 5XXXX XXXX XXXX  ACCOUNT : XXXX THIS CONTRACT IS CANCELED 6. XXXX XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELED XXXX. XXXX XXXX ACCOUNT XXXX THIS CONTRACT DOENSY BELONG TO ME I respectfully ask you to provide some kind of proof of these alleged items specifically the contracts notes or other instrument bearing my signature. 

Additionally please provide name, address, and phone number of each credit grantor other subscriber. 

I also heard under federal law you have 30 days to complete your reinvestigation be advised that the description of the procedure used to determine accuracy and completeness of the information is here by requested as well to be provided within 15 days of the completion of your reinvestigation. 

Respectfully, 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 non-monetary relief
Consumer complaint received 2017-06-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have contacted   XXXX   XXXX   credit union several times, regarding an account that is being reported on behalf of a company in error. I have supplied   XXXX   XXXX   with documentation from the company, by the name of  XXXX   XXXX   XXXX . I submitted to  XXXX   XXXX  a letter that stated they are not able to provide proof of debt because they have no records of me on file.  XXXX    XXXX   has failed to delete that creditor off of my report after receiving notification from the alleged company. I have written to  XXXX   XXXX  as well as submitted to them all correspondence letters between my self as well as  XXXX   XXXX . I am requesting for the claimed debt to be deleted off of my credit file in the amount {$11000.00} reference to  XXXX  account. This has been an on going investigation since  XXXX  and the creditor has not been able to validate the claimed debt. Therefore, four months later this debt should be considered invalid and deleted.

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 2020-06-22
Company: EQUIFAX, INC.
State: LA
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:
Previously I disputed a credit card account on my Equifax credit report, because I assumed it should be reporting as an installment loan instead of a credit card. The creditor has verified that it should report as a credit card and no changes should be made. Someone at Equifax has removed the ENTIRE account from my credit report WITHOUT my request or the creditor request! 
I demand Equifax place this account back on my credit report and it's {$0.00} balance. 

I have contacted the creditor and received a letter to send to Equifax to report the account. 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has called me non stop back to back from several phone numbers and cities. Ive called them in XXXX to see if the debt for Ashley Furniture could be settled and they said its nothing they could do. Ive been unemployed since 2015 I have a son with special needs and have been trying to catch up on bills that are affecting my credit and ruining my chances of getting on my feet. My family has been helping me and was going to help me settle with them to stop the excessive calls. They were not willing to settle and now Im being sued and have to go to court. I was Served earlier this week and the calls have yet to stop. Can you please help me from being continuously harassed by multiple phone calls and their lack of professionalism.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Unauthorized use of credit report please see attachments below.

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 2017-06-16
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card wi th Citi, sp ecifically their Citi/AAdvantage  XXXX   World Mastercard .   XXXX   Citi changed my billing from paper statements ( sent via mail ) to  electronic billing without my authorization. Because I was not receiving statements, and was n't thinking about the card, they accrued late fees and interest charges that I would have avoided if I 'd received the bill.   XXXX  When I called to challenge the fees, I was told that I must have been the one who made the change and that they would do nothing.   XXXX  I feel I have been "  XXXX   XXXX  '' b y Citi. I  keep all my records in paper and most certainly did not change away from paper statements. The only explanation is that they did it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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 had purchased a house jointly with my now ex-husband in XXXX. In XXXX we divorced. As part of the divorce I relinquished all rights to the house to my ex-husband. The loan was sold/tranferred at some point. The loan periodically appears on my credit report. My ex-husband is currently past due on payments. I contacted the mortgage company and they told me I was joint on the account and the only way to remove me from the account would be for my ex-husband to refinance. I offered to provide them with my divorce papers and they declined, again stating they would not be able to take my name off the account. In XXXX/XXXX I had disputed this with the 3 major credit reporting agencies. XXXX and XXXX have removed this from their reports after I submitted the divorce documents. Experian will not remove this. I recently completed another dispute with Experian ( 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 2022-09-11
Company: EQUIFAX, INC.
State: VA
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On or about XX/XX/XXXX my wife and I made a mortgage application to refinance our existing mortgage with PNC Bank XXXX XXXX  for a lower interest rate. This process was over the phone and secure email out of PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX The Loan Officer : XXXX # XXXX XXXX XXXX XXXX To this Day XXXX XXXX, XXXX we do not know why PNC Bank N A refused to refinance our loan? 
After 6 months of back and forth for the ( same information ) documents over and over again needed to be submitted to close on the new mortgage, I suspected PNC was not going to close and fund the new mortgage. 
We made a new mortgage application at another national Bank and closed our new mortgage within 90 days with no request for money upfront. 
The Complaint : PNC Bank Charged us XXXX dollars on XX/XX/XXXX. I have requested a refund. As the Loan Officer stated many times the funds would be refunded at closing. The closing did not take place and no reason was given. The loan to value was very low and my current mortgage company did not require a property appraisal or any money upfront. 
I requested the refund in an email on XXXX XXXX XXXX To : XXXX XXXX and numerous times by phone. 
Please help me get the refund due us and hold PNC Bank accountable Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dispute with Equifax with no results. Company illegal re-aged debt and provide incorrect information on credit report in direct violation of FCRA 623 ( 5 ) ( A ). Account dispute in Question : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX This account has been removed from other credit reporting agencies due to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: SECURITY NATIONAL TITLE AND ESCROW, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I went to closing for the selling of my house to   XXXX   XXXX   and his wife,  XXXX , on  XX/XX/XXXX , at Security National Title & Escrow, LLC.
They owed me {$4100.00} from their rental time of this house. I refused to close unless I received this sum first. He was not present.  XXXX  represented him by POA. She vehemently agreed that they owed this sum.
She received a text showing that the wire had been sent to the title com company. The closer,   XXXX   XXXX  , verified everything and guaranteed to to me that her company would send this sum to me as soon as it was received.
Closing continued with signing of all papers, which included a statement : "   XXXX   property tax reimbursement from buyer to seller will be handled outside of transaction. '' This is the sum of {$4100.00}. I called   XXXX   XXXX  , Title company employee, the next day, and she told me that this money would be transferred to me as soon as it was received. Two days later,   XXXX   XXXX  , another title company employee, told me that they had returned the money to the buyer, and stuttered. Later he said that they could not send money that was not on the Closing Disclosure. He himself had already added this sum to the second Closing Disclosure the Friday before closing. At closing, I was told that RP funding had requested this sum not be on the CD and that it would be paid directly to me. Ok, now no one is paying this sum nor answering my calls. This seems like an act of collusion and fraud. Also, Like magic, I am told that the actual closer no longer works at SN Title as of the day after the money apparently was sent back to the buyer. The whole deal smells very badly as before closing, both RP funding, and A rep of the SN Title said that the buyer should not owe that to me. I told them that normal does not matter. The  XXXX  and I agreed to their paying me that sum as part of their renting my house.
Please help honesty prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted a lady name XXXX XXXX about an XXXX she had for sale for {$300.00}. I sent her {$150.00} because she agreed to allow me to send that amount first, then when i get the phone, send her the remaing {$150.00}. This was all through XXXX XXXX on XXXX XXXX at XXXX XXXX. Her email account for zelle is XXXX, mines are XXXX. I just found out that recently my bank first convenience stopped using zelle after thier app update which is where the money was sent from. I am asking for a refund and to either arrest her or make sure she's not allowed some kind of way to create an account anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2017-06-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have attempted to short sale my home for the last year with the repetitive declines stating that the offer was not sufficient. We have asked for a valuation dispute and was advised that we were not eligible to dispute the value of the home. This last review I was advised that the offer of {$370000.00} was not valid - and that the offer needs to be {$470000.00}. The bank was sent an offer for {$470000.00} and they are now stating that the file is denied due to an invalid offer.     Please help me have my file accurately reviewed as the Bank is not acting in good faith with my situation and it seems that they wanted to foreclose on my home no matter what.

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 2022-09-11
Company: Credit Karma, LLC
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Credit karma would say that I was pre-approved for a credit card or had excellent chances of approval and I was denied each time. This has happened to me from XXXX through XXXX. It's just ridiculous that they are doing this to me and it leaves a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Independent Savings Plan Co.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX   report remains incorrect due to incorrect reporting  by the Lender ISP. We   never closed the acct. Our reverse mortgage lender paid them by agreement disbursement. We only requested they remove the lien on the water conditioner. They stated " due to that they are required by  the Fair Debt Reporting Act '' to fil e that way? That remains a negative on  XXXX , has handicapped our ability to finance our additional debt and placed us in significant financial harm.   XXXX   report #  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: TRANSWORLD SYSTEMS INC
State: FL
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:
This complaint is against the co mpany " Transworld Systems ''.      Currently, they are reporting that I owe them a total of {$1400.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     Why did they not send me a notice of my right to dispute this debt before they reported it to my credit?     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ''. My report indicates that the account has an " open date '' of  XXXX   2016 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX  applied an impound account to our mortgage due to unpaid property taxes (  XXXX  ). These taxes were included in our bankruptcy and should not have been paid to  XXXX . Our attorney opened a motion with the courts and  XXXX  then removed the impound account. Looking back at our monthly payments with   XXXX   during the time they applied the impound account it looks as if they miss applied the funds making it look as if we were a month behind. Moving forward  XXXX   sold to Green Tree and then to Ditech. O ur final payment to  XXXX  was on  XXXX / XXXX /  XXXX   but was applied to  XXXX  instead of  XXXX . We were still in bankruptcy so we were unaware of this, as this is not noted on any of our statements. At the end of our bankruptcy in  XXXX  we were contacted b y Ditech sayi ng we were 30 days late on our payment. We have disputed this with  XXXX ,  Green Tree and Ditech. Nobody from any of these companies have given us a date as to when a   payment was missed. It all started during the escrow impound account that   XXXX    imposed on our account. We have bank statements showing all payments were made. There should be no late payments reporting in   XXXX  . Please review proof of payment history and Bankruptcy documents.

Company response to consumer: Closed with explanation