BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Good-afternoon, I am submitting a complaint on Chex-systems because on or about XX/XX/XXXX I requested a Chex-systems report online because of an identity theft issue that I have. I reviewed my report and found a fraudulent account that was established in my name for the sole purpose to apply for a credit card in my name with XXXX XXXX, because if you are not an existing customer they require for you to apply in person. The identity thieves established this account and the account went in to charge off status once they used the credit card and deposits were never made to the account. There were also a list of fraudulent inquiries with several institutions they are as follows XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. The last time that I applied for a checking account was with XXXX XXXX XXXX which they have been my bank since the merger of XXXX. I sent in a fax to Chex-systems with XXXX different police reports that were filed on separate months because of the continued theft against my personal information. I have had a lot of frustrations with this issue as it has been my responsibility in contacting each institution and notifying them of the theft. I am filing this complaint and attaching a copy of what was sent to chex-systems by fax, in hopes of clearing my name from any negative reporting and inquiries that have resulted from the fraud that has been committed against me. My file should be reporting free of any charge offs and no inquiries against my report as i have not applied for a checking account since XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I wanted to write you a formal complaint letter with regard to my loan modification. My loan was sold from XXXX to Caliber early this year. I completed an application for a loan modification following the sale. In XXXX, I received a proposal for a trial period of XXXX months. The problem was that monthly payment was the same as my previous, and the proposed terms was not a modification at all, but rather a 5 year interest only payment arrangement. During this time I was out of town for work, when I got back I immediately called Caliber homes to discuss that this was not a loan modification and that the monthly payments needed to be lowered, as due to divorce and other hardships I fell behind on my mortgage payment. However, I also stated that with the right loan modification, I would be able to make regular payments as I have good stable income, been with same company for XXXX years, and I want to keep my home and stay in my home with my XXXX kids. 
Caliber informed me that there was nothing else they can do, because I have missed the XXXX week deadline for appeal, since then I was trying to work with HUD, and other mortgage counseling agencies, with no results. 
I want to insist that Caliber homes review my file and hopefully provide a real land modification. 
I am still working toward and want to find a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To Credit dispute department : XX/XX/XXXX - Contacted XXXX Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XX/XX/XXXX, Amount {$8300.00} Reported as income from form XXXX from XXXX Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted XXXX services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income in XXXX. 
XX/XX/XXXX - Am told by XXXX Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at XXXX, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but XXXX and Experian has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX 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 2017-04-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their executive level. After a review and despite the amount was in dispute and finally corrected they continue to report it as a negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are HARD inquiries being reported from the following companies on my credit and Experian is refusing to remove them even after I called the companies and they advised they had no information on me or any inquiries. My information was used without my authorization. 
Companies : The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) 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 explanation
Consumer complaint received 2016-11-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I submitted a dispute to Experian concerning my credit information that should be deleted and it continues to stay on my credit report. XXXX is a collection agency that is on my report from the original creditor XXXX XXXX # XXXX whom has sent me documentation addressing my account which has a zero balance ; I forwarded this information to Experian and they continue to still report this on my report. Another issue is XXXX XXXX and XXXX XXXX are old accounts that should not be on my credit report. The other XXXX credit agencies have removed XXXX, XXXX XXXX and XXXX XXXX but I seem to running into a brick wall when it comes to Experian.

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 2016-10-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE BEEN THE VICTIM OF ON GOING ID THEFT AND HAVE A FRAUD ACCOUNT THAT IS REPORTING ON MY EXPERIAN CREDIT FILE. I HAVE DISPUTED IT ONCE AND IT WAS RESLOVED BUT NOW IT IS REPORTING AGAIN AND EXPERIAN WILL NOT BLOCK THIS.

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 2015-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have some accounts on my credit report that are not mines. I can not dispute online per Experian. Experian is not questioning these accounts just saying they are mines. I have alot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 

Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. 
Account XXXX XXXX XXXX, this account is not mines and this bank never sent me any information regarding this bill. I do n't know what this is. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX accounts on this report should be deleted. I have a XXXX for them. 
Account XXXX, this is not my account and I have disputed numbers of times even sending letters from XXXX to Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
i have been disputing this company with this company only to find out they are no longer in business, they have been on my credit report since XXXX stating i have a written off balance of XXXX dollars I do not recall getting or signing up for this card.The company is called XXXX.XXXX.Please remove from experien credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The following company known as " Loan Me '' has be utilizing deceptive loan practices in effort to register and sign up clients. My husband and I each applied for a loan with this organization as we were advised that by taking out the loan it would be reported to all XXXX major credit bureaus. After several months of making our payments on time when we pulled out credit reports we learned that Loan Me was no where to be found. When my husband and I called to discuss the issue, we were advised by a separate representative that Loan Me only reports to XXXX. We XXXX complained advising that was not what we were told when we signed up and that we each had the intent on fighting them for deceptive practices. In return the representative on the phone advised it did not matter if we reported them as they did not have to adhere to Federal Banking Laws and that my husband and I had no choice but to continue to pay the loan. This is negligence as even in the contract listed is states the agency will report the the " bureaus '' not " bureau '' or even lists the bureau in which they plan to report too. During the signup process my husband and I were mislead into thinking we could use this service as a way to rebuild our credit and now are refusing to repay back this loan until this matter is investigated further for the gross negligence and misleading products and services being offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC Bank advertises the ability to convert your HELOC to a fixed rate product on demand with a {$100.00} fee. What they fail to disclose is that at the time of conversion to the fixed rate product, they will 1 ) prorate interest on both sides ( variable and fixed ) according to the days in the month, which makes sense, and 2 ) collect full principle payments in the month of conversion. In practicality, on a variable rate HELOC, my monthly payment was {$3000.00}. On a fixed rate HELOC, it was reduced to roughly {$2600.00}. During the month of conversion from variable to fixed rate, my minimum payment due jumped to {$4700.00}.

I have escalated this with PNC Bank several times, including claims that both this is a predatory practice, as well as that collecting double principle in the month of rate conversion is not mathematically correct. After 5-7 days, I received a voicemail from a supervisor stating the payment is correct and to please contact the call center for questions ( they haven't been able to help... ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
After turning in a lease on our Chrysler 200 that was in good condition and XXXX miles under the mileage limit we were given a bill for {$1000.00} for excess wear .... wear consisted of small scratches that the photos on the inspection report show that are diet that could be wiped off with your hand. In addition the car looked like the inspector purposely made the car dirty and even charged for a windshield Crack that was less than half an inch and repaired same day from saflight. The chip had mysteriously grown to just over the XXXX limit. Lastly the XXXX key fob was missing, which was our fault as we forgot but called ally after the fact asking if we could send it in to not be charged and they refused. We feel grossly taken advantage of and ally did nothing to even bother to consider our request to review the photos of the scratches. The only legitimate claim were scratches to the underside of the front bumper

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 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was unaware of the tax lien as I lost my job and switched apartments to save money. I found out about the lien AFTER I started working in XXXX XXXX XXXX XXXX at which time they lien/garnished me in a coercive approach that gave me no options in XX/XX/XXXX. I saw that it was removed in my XXXX account, then I saw it re-appear with XX/XX/XXXX at a date instead of XX/XX/XXXX. Should n't this be off my record by now? Not only did the government get its money back but it contributed to my becoming unemployed. Please help. 
I thought these items were removed if not close to their expiration date on my credit report and now they seem to be re-animated " zombie '' debt. 
Please help me fight this or explain what I am doing wrong. 
Thank you!

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 2021-01-18
Company: EQUIFAX, INC.
State: NY
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:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report and proof of my identity. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX account should be removed from my Trans Union credit report as it was sent to Collections in error. My insurance paid this bill back in 2013 and the original amount was {$280.00} not {$410.00} like XXXX XXXX is claiming

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 2016-09-22
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We received a loan modification from 21st Mortgage. We made XXXX of the XXXX while working with them to verify the amounts they claimed were due. The loan modification says specifically that the amount of the escrow is subject to change, and we were negotiating that figure from the outset. Today we received a letter saying that we rejected the loan modification when that is blatantly false. We were negotiating the correct amount of the escrow. In fact, part of what was in escrow was amounts charged by XXXX, who notified us that those amounts were fraudulently charged, and refunded us a small portion of those charges by a class action lawsuit. 21st removed all the charges but taxes and we were negotiating on our claim of slander of title against the amounts of the escrow. Our point of contact XXXX XXXX is travelling and his auto-email notification says that he is not available until XX/XX/XXXX, so I called to his office. I was told by his assistant that so long as our payment was received before the end of this month, we would not lose our loan modification. Now 21st is saying they are going to return our loan modification payments and try to sell our home. HELP. We do not want to lose our home or our loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Bureau did not accurately verify collection account. They did not produce a contract with my signature.

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 2016-10-24
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recently am getting my wages garnished by some phantom judgement sent to my job from pressler and pressler. I do not know what this is about, I never got one notice in the mail until the judgement was made and I could do nothing about them taking my wages! These shady and ileagal tactics these companies use to collect a debt is wrong and dirty! First, off I do n't remember having any XXXX credit card or anything dating back to God knows when. They said they got the account in 2012 and not once did I hear from them about this! This is serious! They are taking {$140.00} a pay check that I ca n't afford! I do n't make much to being with, and with all the other bills I am drowning in debt! I call them they ca n't help or do anything! What good are they, but they are quick to sue me for no reason! I will complain everyday until I get this solved and they clearly explain what this is and give me a chance to defend myself the right way! Venue I looked online does n't even exist anymore and we 're a shady company too!

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

Complaint:
Equifax has refused to remove fradulent information from my credit report after supplying them with more proof then the creditors are willing to supply reguarding the accounts XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These banks have never sent me a contract to back up their claims and have reported false information as well as information from debts they can not legally collect on in my state, I will be attaching the law for debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax keeps reporting my address incorrectly. I have sent them letters stating my address is XXXX XXXX XXXX, XXXX, NJ XXXX and NOT XXXX XXXX XXXX, XXXX, NJ XXXX.LOOK AT LAST PAGE OF ATTACHED CREDIT REPORT. Where are they getting their information from. How can i rely on the other information on my credit report like the XXXX XXXX account being reported correctly or the XXXX credit account which I asked for validation and payment history several times. Should those accounts be deleted also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX/XXXX/2013 XXXX accepted a settlement payment for a credit card acct. ending XXXX. The Bank sent me a letter showing payment and settlement in full, but they said my credit report will take 3 month to update this new info. except they miss reported the new info by showing that I sill have a balance of {$1100.00} instead of {$0.00} due to the settlement. there have been a dozen of phone calls made to their recovery department which is the department that made the settlement and issued and mailed the settlement letter dated in XX/XX/2013 in trying to resolve this discrepancy but the answer was always that it may take sometimes to update the credit report. It has been 2 years, and XXXX disputes with the credit bureau that always came back with the same results ( A balance of {$1100.00} ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation