BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-13
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: Investigation took more than 30 days

Complaint:
Investigation took more than 30 days and nothing was changed when clearly there are misleading incorrect information and inaccuracies on my XXXX XXXX  credit report.. attached is the evidence clearly supporting that!! Only a XXXX person won't see it!! STOP VIOLATING MY RIGHTS AND DELETE IT 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 2016-09-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In response to Case # XXXX. XXXX XXXX did n't read the cover letter or any of the supporting documents that were highlighted! They only responded to a {$5000.00} line of credit I had opened with XXXX XXXX in XX/XX/XXXX. That account was closed in XX/XX/XXXX and was paid off and never late. The account in question, created fraudulently by XXXX XXXX Credit card services in XXXX, was sold to XXXX XXXX and collected my XXXX XXXX XXXX in XX/XX/XXXX ( {$80000.00} ). Their actions violated the Dodd-Frank act and addressed by ( XXXX ). The actions of XXXX XXXX and carried out by the Credit Agencies, caused physical and financial harm over the last 7 yrs. Robo-signed court documents created by XXXX XXXX Lawyers used by credit buyers to sue innocent customers! Please attach to the original complaint. 
-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 2015-08-19
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter and I have similar names and reside at the same address but have very different social security numbers, I was told by the creditor that is why the debt appeared on my credit report. The debt owed belongs to my daughter not me and needs to be removed off all credit bureau reports pertaining to me as soon as possible. Thanks in advance for the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
The problem is with EXPERIANTo know my score I paid {$1.00}, that is how they get my debit card information and they have been charging from XX/XX/XXXX to present the monthly amount of {$19.00}. Could not make it stop. 

XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX $ XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I was looking at my credit report and saw an address in my personal information that I have never lived. It was XXXX XXXX XXXX XXXX XXXX XXXX, MA. I have never lived in XXXX at any time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX items for XXXX XXXX XXXX appear on my Credit Report.never had bank with this institution. I went to this Bank and they enter my information wich result i do not appear in their system at all.The bank told me tu dispute it with credit bureau due to the fact that is there error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Duvera Billing Services, LLC
State: WI
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 disputed inaccurate credit reporting several times. 

I disputed both via phone and dispute center portal : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Etc. 

I have information the credit reporting agency that a CLOSED account is being reported as OPEN & LATE and as a result re-damaging my credit. The account was reported as XXXX. I feel like the change in reporting status is due to me asking the debt collection department to verify the debt. Since they couldnt they began reporting it inaccurately to retaliate against me. If it was reported as Charged Off in XXXX how could is possibly now be considered XXXX in XXXX. Since the debt couldnt be validate it should have been deleted completely. I requested the original paperwork with my signature and had not received it. Etc. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
While we are trying to refinance we discovered that all XXXX major credit reporting bureaus had the wrong date recorded for our bankruptcy discharge date. Correct date is XXXX/XXXX/XX/XX/XXXX not XXXX. After sending the supporting court documentation, XXXX and XXXX corrected the information within 48 hours. Experian did not. We even sent additional information to Experian showing the court made a mistake and the court order to vacate the incorrect bankruptcy order as it was an error. Experian still has not fixed the issue. My wife has called 9 times trying to get the issue resolved and explained to them the time crunch regarding our refinance. She has been hung up on, promised a call back on XXXX different occasions ... .which she did not get. There attitude regarding customer service and trying to help us has been rude and very unhelpful. Also there is an incorrect code under the payment history for XXXX XXXX and fairwinds federal credit union. The underwriting department sent us a screen shot showing the incorrect code under payment history ( XXXX ) This is a charge off foreclosure code and not a bankruptcy discharge code. Experian says they ca n't see the code in payment history even though we sent then a screen shot showing it. We are extremely frustrated because they wo n't correct the info even though they verified that they received the forms we sent and the other XXXX agencies did. If it is not corrected ASAP we are not going to be able to close on our refinance in a timely enough matter to stay at a lower interest rate. Also we are concerned that it will not get corrected at all which will further affect our credit.

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 2016-08-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Paid auto repair service with a check from my XXXX credit card account on XXXX/XXXX/16. My check was accepted by the business. I received a written notice via mail from XXXX on XXXX/XXXX/16 that the check had been denied. I contacted the auto repair business to settle the debt but was told that they had been paid. They referred me to Certegy check services along with a case number. I contacted Certegy and found out that my debt had been turn over to Complete Payment Recovery, a collection agent. I paid the debt including the {$40.00} recovery fee. Certegy did not give me any notification of the payment denial or that the debt was being sent to a collection agent.

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 2016-01-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
ChexSystems is reporting fraud to banking institutions so I am unable to open bank accounts or cash checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
We are currently past due on our payment to chase card services. 

Their collections and past due department has been calling us between 1 and 3 times a day on both my office line and our cell phones. The only reason we know that it is chase is the callerID information and a google search of the number. ( XXXX ) On the cell phone, the automated dialer hangs up without playing any message or hangs up on the second or third ring. ( I 'm pretty sure that it 's hanging up on the 2nd ring, and the variance is from the cell network ) In the case of the office number, their automated dialer allows the phone to ring exactly one time before hanging up, and disconnects the call 100 % of the time if answered instantly. ( I programmed the office phone system to answer that number immediately and connect to my desk via a conference call. they still drop the call within a few seconds. ) At this point, I just want the calls to stop. 
The office line costs us money for each call, so I called the number back at some time between XXXX XXXX and XXXX to notify them that the dialer was not working and request that they remove the office line from the contact list. 

They did not remove the office number. 

I called the number back for the second time on XXXX XXXX at XXXX/cst to request that they fix the dialer, and informed them that If they did not remove that number from the call rotation I would be filing a complaint for failure to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 disputed inaccurate credit reporting several times. 

I disputed both via phone and dispute center portal : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Etc. 

I have information the credit reporting agency that a CLOSED account is being reported as XXXX & XXXX and as a result re-damaging my credit. The account was reported as XXXX. I feel like the change in reporting status is due to me asking the debt collection department to verify the debt. Since they couldnt they began reporting it inaccurately to retaliate against me. If it was reported as XXXX XXXX in XXXX how could is possibly now be considered XXXX in XXXX. Since the debt couldnt be validate it should have been deleted completely. I requested the original paperwork with my signature and had not received it. Etc. Help!

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 2015-10-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
RE : XXXX ( Attached ) So far ChexSystems is really digging themselves deeper1. Multiple counts of violations of FCRA, including but not limited to section 623. 
2. Willful noncompliance. 
3. Multiple violations of the Fair And Accurate Reporting Act. 
4.Defamation Of CharacterNo letters have been received in the mail from ChexSystems and if they were sent, please provide USPS certified tracking numbers. All of my letters to them all have been sent via USPS Certified Mail. 

Chex Systems claim they " verified '' the account, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. Unless you have something bearing my signature on it and have verified my identity, no proof exists. 

I am not going to the police to claim identity fraud until I 've investigated these items myself. I am not claiming identity theft, I am simply asking for proof that I am lawfully entitled to. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please let me know and I will send you an opinion letter from the FTC, ( the XXXX ) letter, specifically addressing the kind of " documentation '' you have sent me. 

The fact that ChexSystems XXXX are resisting proving PROPER proof according to FTC standards is raising other issues, including, but not limited to FCRA 623. 

My request remains..proove it or delete it. 

I am forwarding a copy of this to the following : cc : Office of the Comptroller of the Currency ( OCC ) OCC XXXX XXXX XXXX, XXXX, XXXX. XXXX : XXXX XXXX XXXX XXXX., my attorney XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
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:
I am complaining against chexsystems today because I am having issues with Idenity theft. I have ordered my chez-systems on several occasions and just received it on XXXX XXXX. I called the number listed and I am being helped by some type of outsourced employees who are of no help at all with the issue I am dealing at hand. I am having a big problem with Identity theft to the point where I have gone to social security requesting to change me social security number because this has been an ongoing deal. There are several fraudulent attempted account openings in my name where it has left me with fraudulent inquiries on my report. I refiled another police report with the XXXX XXXX Sherrifs department and I have tried to get some help from Chex-systems in getting these removed but the incompetent employees answering the phone in chex-systems is not helping me. I am going to attach my police report Via CFPB portal and the fraudulent inquires on my chez-systems are as follows. 

1 ) XXXX XXXXXXXX2 ) XXXX XXXXXXXX3 ) XXXX XXXXXXXX4 ) XXXX XXXXXXXX5 ) XXXX XXXXXXXX6 ) XXXX XXXXXXXX7 ) XXXX XXXXXXXX8 ) XXXX XXXXXXXX9 ) XXXX XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC has charged me erroneous fees in the past and they recently took steps to maximize the fees charged to me. On XXXX they charged me XXXX overdraft fees which I believe to be potentially erroneous. On XXXX I noticed that my bank balance was not enough to cover the autodebits from my XXXX credit cards set for XXXX. I had my wife move money from our other bank to PNC to cover the balance. She unfortunately did this using a cashiers check which was deposited on XXXX. On XXXX PNC charged us XXXX over draft fees after the credit card payments posted. Despite the check being enough to cover the payments, my wife and I were unaware of the check clearing policy for cashiers checks which holds funds for one day, hence the overdraft. However, had the payments posted in a different order, the lesser amount first, we would have only been charged XXXX over draft fee. PNC did refund XXXX of the fees because we are not in the habit of over drafting. The thing is, since I have no visibility into the auto-payment posting times, I ca n't be sure that PNC is not maximizing the fees charged to me by posting the smaller of the auto-debits first. Furthermore, PNC has a history of charging me inappropriate fees. In XXXX they tried to charge me a {$25.00} dollar fee for not having enough direct deposits in my account for XXXX because the deposit that happened on XXXX did n't count for the XXXX statement. I called to complain and they removed the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with PNC Mortgage for the past 3.5 years to get the loan on my home modified. PNC has given me the runaround for a very long time, and they continue to ask for documents I have submitted over and over again. They waited until now, not 3.5 years ago, but now to tell me that they will not review my last packet for modification because the investor on my loan does not participate in government assist programs. I have a government issued loan on my home and they refuse to help me. I 'm divorced and received the house in my divorce, so the property was quit claim deeded to me by my ex husband. PNC refuses to honor the divorce decree and quit claim deed. They are insisting that my ex husband be added to the modification. When my ex declined, they also declined to assist me. I have paid countless agencies to assist me but to no avail. PNC advised that their investor will not allow review of the packet but they refuse to tell me who the investor is. I needed to know the information on the investor so I could appeal to them to remove/cancel the XXXX XXXX sale date on my property for foreclosure. They wo n't help me. Today I received XXXX copies of the same letter dated XX/XX/XXXX from PNC telling me they can not move forward with reviewing my packet because I did not submit the requested information. I have sent the same information over and over every month for the past 3.5 years. Please help me. I do not want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: BMW Financial Services NA, LLC
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
BMW will not reverse a late payment '32 days due to a mistake that they made. i 've disputed and send in letters, all denied my appeal, they will not admit fault and I have proven to them over and over it occurred due to a customer service rep not recording a date change. They even admitted he did not do his job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: MAS FINANCIAL SERVICES, INC.
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an auto loan with this company that is current. However when my payment is due the bombard my cell phone with automated messages. I 've asked XXXX multiple times to stop this and it continues. I have documented over 50 calls like this. I have told them I do not authorize automated calls as the # they use is my cell phone and I am at work ( XXXX ) when they harass me. Today I started getting text messages as well that my payment is 1 day past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: STONEGATE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to submit a complaint regarding XXXX Mortgage. XXXX acted illegally on at least XXXX occasions while handling our loan. First, XXXX transferred our mortgage to a new servicer in XX/XX/XXXX. XXXX did not provide the required XXXX advance notice of transfer and did not provide any notice of actual transfer. XXXX, XXXX took out a lender-placed insurance policy on our behalf. XXXX did not provide us ANY notice that it intended to take out lender-placed insurance, much less the XXXX letters spaced 30 days apart as required by law. We had previously provided XXXX with proof of insurance on several occasions. Moreover, XXXX deducted the annual premium of approximately {$1800.00} for the lender-placed insurance from our escrow account without notice. XXXX has given us conflicting information on whether that amount has been refunded. Apparently the refund was attempted to made during the transfer to the new loan servicer, XXXX XXXX, but neither company has been able to show that the premium was repaid to the escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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