BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-07
Company: BOK FINANCIAL CORP
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan in XXXX of 2016. I was denied due to excessive DTI. I found out less than 2 weeks ago that my former employer, BOKF is the issue behind the high ratio they issued an incorrect breakdown of my income. I found this because I have reapplied and the current verification of income from BOKF is still showing an incorrect amount of commissions. They are now refusing to complete the VOE correctly despite agreeing that my contract clearly shows all advances and hourly wages are recoverable. Anything recovered by commission is commission. The reason this is so important is two fold ; 1. commissioned income is averaged over the prior 2 years. Any base received is excluded from that average ... ..and 2. the incorrect voe sent for the application in XXXX caused the excessive ratio and that is the report filed with XXXX creating a Credit Sanction Alert. I can not get a new loan unless the current UW can show how they overcame the previous ratio issue. I have spoken with an HR BOKF employee, escalated the problem to the HR manager, contacted the in house recruiter who negotiated my contract and finally emailed the director of BOKF HR and getting no where. I have attached the conversations, my contract and the recent VOES ( which do n't even match each other ). I have asked for the breakdown to be corrected for the past 2 weeks as my rate lock is nearing its end. This is a major problem as my current note is due and costing me 1 % of the loan amount as I carry it over the due date. I need this addressed asap please and thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
all XXXX credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at XXXX XXXX bank and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card

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 2016-11-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was injuried on the job and covered by worker comp. XXXX sent the XXXX bills to me, so I called them and wrote them that they need to send the bill to The XXXX, as the bills are covered by workers comp insurance. They continued to send me bills monthly for awhile. Then they turned the bills over to the XXXX XXXX XXXX whom in turn allowed the false record to become a part of my credit history. I spoke to XXXX several times over the last few years and they failed to take actions to contact the people that sent the false report to them or take any action to correct the mistakes. There are XXXX bills that came from the same day over the same injury, and both from XXXX. After a few years I found out that the false records were still on my credit report, as I got turned down on my credit applications, and also got higher interest rates for credit I did get granted. I again called XXXX to complain and file disputes with credit reporting agencies. XXXX finally deleted XXXX of the false bills but left the other. This is not fair nor lawful. I am paying higher interest rates on XXXX credit issues because of them false reports not getting the proper attention from the XXXX XXXX XXXX and the report credit score agencies, ( XXXX, Experian, and XXXX, as far as I know. 
XXXX XXXX XXXX : item # XXXX ( recently deleted ) and case # XXXX which is still listed.

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 2022-04-23
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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 2020-08-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I tried to dispute an account on my credit report with the three credit bureaus. XXXX XXXX /XXXX. The account has been included in my bankruptcy. I want it added on as it should be there. I already sent letters to all the credit bureaus on XX/XX/XXXX and I still have not received any paperwork. 

Please have them send me something saying they've fixed this and placed it in a bankruptcy status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I TRIED TO FILE DISPUTE ONLINE, AND UNABLE TO DO S SO WITH EXPERIAN AND EQUIFAX ; HOWEVER, I SUCCESSFULLY SUBMITTED A DISPUTE FORM/ WITH XXXX . AT THIS TIME, XXXX IS THE ONLY COMPANY THAT HAS MY REPORT CLOSE TO ACCURACY.

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 2021-01-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent a 609 letter and it has been 30 days since the company responded. They have not showed me proof that 2 XXXX accounts that are closed/in collections are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
After obtaining free annual reports for XXXX and XXXX, I was inexplicably locked out of the request process for Experian before the identity verification process started. I called the number listed for Experian on the lockout page, but was unable to get past their automated system. I found another customer service number for Experian, called it, got through to a human, who collected all my personal information, but me on hold for " two minutes. '' After I had remained on hold for about two minutes, a recording advised me that my call would be disconnected, which it then was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have sent letter to Experian to verify account they have listed on my report. It takes too long to see the result.

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 2021-04-21
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card with XXXX  which is under Plaza Services LLC. The account was charged off in XXXX and was assigned to XXXX XXXX. I was offered a settlement in exchange for a pay for deletion. After resolving the settlement of {$830.00} on XX/XX/XXXX, I waited a few months to check my credit report for the deletion only to see the account balance was updated to {$0.00}. Til date, it has not been deleted from my report ( see attached ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: JPMORGAN CHASE & CO.
State: PA
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:
On XX/XX/2021, Chase Credit Card Services reported my account as 30 days late in which my payments are not scheduled to be paid until the XXXX of each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is the only bureau that is DOUBLE reporting this inaccurate information. XXXX creditors are attempting to collect the same debt at the same time. It is erroneous and the other bureaus have fixed it, yet Experian claims it is valid. They are reporting XXXX XXXX XXXX old balance and charged off account $ XXXX ... 
They are also reporting XXXX XXXX XXXX XXXX for XXXX XXXX with the same debt & balance! How can XXXX creditors collect on the same debt? They ca n't because it is against the law in the FCRA.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received forgiveness of debt letter from XXXX XXXX XXXX dated XX/XX/XXXX, stating that they forgave the amount I owed. This account, XXXX XXXX XXXX XXXX # XXXX, was already reported paid in XXXX. Under the Fair Credit Reporting Act, I have the right to dispute this inaccurate information under my account. In accordance with 15 U.S.C. 1681i Section 611 ( a ) ( 1 ) ( A ) ( g ), the completeness or accuracy of any information item in a consumers file must be accurate and complete. As mandated in 15 U.S.C. 1681i Procedure in case of disputed accuracy, the furnisher should only publish accurately and verified 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 non-monetary relief
Consumer complaint received 2022-04-23
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Good day, I am so unpleased with what happened with my XXXX account unfortunately, my XXXX account that I have been using since last XXXX has been closed. The company that I work for only pays through XXXX now. I am unable to receive payments from my employer. I Contacted XXXX regarding the closure of my account and they're unable to tell me why my account had been deactivated because there's no valid reason why it should be closed however, I am unable to retrieve the funds in my XXXX account. I have to file an appeal for no reason why are they holding on to my funds they're aware that I have been receiving my pay from my employer since last year and if they want any confirmation from my employer they won't hesitate to disclose any information. My main goal right now is to have my funds transferred to me and I also need my account to be reactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2016-10-25
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have previously filed a complaint concerning my treatment by NFCU. Sometime after filing my complaint, they agreed to a {$23.00} XXXX dollar settlement. I have previously been behind on my mortgage, while waiting on the XXXX 's XXXX to grant my XXXX claim and subsequently was rated at 100 % XXXX. My wife is now seriously ill with XXXX XXXX and we are falling behind once more. They have not changed their practices at all. They either have done or are still doing everything voiced in the complaint. I could use my settlement money to get caught up with them, but they are extremely tight lipped about the settlement, and will not even confirm that I am on their settlement list. In my previous complaint to the CFPB and XXXX, they just deflected and lied. Why is this allowed to continue? In the section below, I have had a problem with all XXXX choices, and it will only let me choose 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 2017-01-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing a complaint against Chexsystems cause they have been reporting an ID theft charge off 's on my report and they have hindered me from being able to open a bank account. My report is showing charge off 's account with XXXX, XXXX, and several inquiries. The only inquiry that should be showing on my chexsystems is a XXXX XXXX inquiry which is how i found out of the fraud on my report. I need this removed from my credit report immediately. I am providing the police report that i filed with the XXXX county sheriff 's office,

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 2022-04-23
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # : XXXX, has violated my rights. 
XXXX XXXXXXXXXXXX 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 a 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 explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX 2014, my purse was stolen from my car in XXXX, XXXX. I called XXXX XXXX right after the incident to inform them my wallet with debit card, credit card and photo ID was stolen. However, they let the person/people that stole my purse cash checks on my name in another state a couple of days later. My account was frozen until the case was resolve XXXX months later. Because the process took so long and the bad service at XXXX XXXX, I decided to move my account to XXXX XXXX in XXXX. Recently, I moved to XXXX where XXXX XXXX is not available and also got married, I 've tried to open another checkings account in a local bank but i 'm not allowed. Also, I tried to open an join account in XXXX with my husband, who is a XXXX costumer, but I ca n't do either because XXXX XXXX let someone steal from my account twice even though I called and cancelled everything. They even let it overdraft by thousands of dollars. I have the police report which states someone broke into my car, I even have the receipt from my cars repair. I have excellent credit. However, I not allowed to open a checkings account because of XXXX XXXX 's incompetence. To this day I do n't understand how XXXX XXXX let this happen. Who cashes checks for XXXX in a different state after they called a few days before to inform the bank about a robbery. On top of stealing from a client then they do n't let people bank with anyone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: BOK FINANCIAL CORP
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My address is : XXXX XXXX XXXX XXXX XXXX NC XXXX. 
My home loan is with XXXX, For XXXX 2017, I submitted XXXX payments as I change my method of payment. I had to stop the first payment and before doing so I called the company on first week of XXXX, after VERY LONG wait an agent told me it 's ok to stop the first payment, so I did. 
second payment with additional principal went through. One week later I received XXXX statement with additional fee. Again I called after 26 min wait time, another agent told me she is going to ask her supervisor to look into this and I will get an email. Two weeks after I have not yet received any communication and I 'm not able to talk to them via phone as wait time takes longer than 30 min. I do n't know if extra charge is for additional principal payment or stopped first payment. But I should not be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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:
Experian stated that the following account was verified XXXX XXXX XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Experian was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2015-06-25
Company: Mayan, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting phone calls from phone number : XXXX. They call constantly. I had XXXX calls from them in 4 days. It 's an automated/computer call. They have been calling for a few months now. I did try to call them back 1 time and it went to voicemail. To my knowledge I do n't owe any money that would be under debt collection. I tried to research the company ( XXXX XXXX, or XXXX XXXX, not sure of spelling ) and all I find are reports of scams connected with the phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I was charged a 5 % fee for funds that were held but not dispensed to me in my paypal account. The funds were " placed on hold '' for over 2 weeks, but withdrawn from my account and I was still charged a fee. I never had access to the funds.

Company response to consumer: Closed with explanation