BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : 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 2016-03-22
Company: Premier Portfolio Group
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to get a phone call from an agency claiming to be Premier Portfolio. They call my cell phone from numbers all over the united states, so I have not been able to successfully block them. I do not know this company, and do not have any outstanding debts in collections. They claim that it is for a check cashed in my name with my ssn and routing number, which does n't make any sense why they would have my SSN. I 've looked it up, and they are apparently scamming other individuals as well. I want to report them as well as get them to stop calling me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: JPMORGAN CHASE & CO.
State: NY
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:
I opened a previous report stating that I had been denied an extension of my own credit from Chase bank. I sent Chase a handwritten letter asking them to please explain to me how a consumer is being denied. Chase bank responded back with a generic computer generated response. Their was also a supervisor by the name of XXXX who stated on a recorded line that he was aware of the laws I provided them, and that he was ok with Chase bank breaking them. He made it very clear that he didnt care about what the consumer laws states.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$160.00}

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 2022-07-26
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The card advertises a debit feature but Incomm doesn't allow users to actually pay with a pin and forces the credit option to exctract more fees from merchants. In addition some merchants will only accept giftcards with a pin to prevent fraud for larger transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer report and found several accounts being reported inaccurately. I have disputed these accounts with the reporting agency but have not received a timely response. These alleged accounts have caused great harm to my report. As I result I have experienced a lot of stress. My stress levels have caused my XXXX XXXX to increase to the point of needing XXXX. I am challenging the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : N/A 8. XXXX XXXX Account Number : N/A 9. XXXX XXXX XXXX XXXX Account Number : XXXX 10. XXXX XXXX Account XXXX XXXX XXXX. 
These accounts are in violation of 15 USC 1681e ( b ). They are not reporting with maximum possible accuracy after having been reinvestigated. They are being used improperly to damage my reputation. USPS tracking : 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 2022-07-26
Company: EQUIFAX, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Statebridge Company
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The original mortgage ( from XX/XX/XXXX ) was adjustable and at that time the prime rate was around 7.5 %. My rate was a little over 2 % above that. I did not see anywhere on the paperwork where that said that it could n't go below the original rate, it only talked about a ceiling, but to my knowledge there was no floor. The mortgage has traded hands numerous times over the years. 

About a year ago I applied for HARP. After several months of having to resubmit the same documentation, I was finally approved. I received a letter stating that I had to go into a 3 month trial period, XX/XX/XXXX-XX/XX/XXXX. It stated that at the end of the trial period I would get the terms of the adjustment. There was a question about insurance coverage, I was told by the XXXX company that they would take care of taxes and insurance and my payments increased to cover the escrow for that. 
When I asked the XXXX company about the insurance, they said they had been told that the insurance was my responsibility. So I got that straightened out. 

The most recent letter I received, ( which is dated XXXX XXXX, from the XXXX mortgage company ), stated my mortgage is still adjustable and still at the original rate, 9.875 %. 

So in other words, this entire HAMP adjustment seems to be just smoke and mirrors.

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 2016-05-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I tried to cash my WV XXXX tax refund ( {$97.00} ) at XXXX on XXXX/XXXX/16 at XXXX. I received a notice that my check was declined by Certegy. When I called the number on the receipt, I received a recording that it was nothing I did wrong and that I should take my check to a non Certegy retailer. Then the call just ended. I was not given an option to speak to anybody. It did this at least 6 times. Finally, I googled Certegy to get a number. I spoke with XXXX ( Rep ID # XXXX ). I asked why it was declined and she refused to tell me. She said that she could not give me that information because I was not the owner of the account. She also said the WV Tax Dept. needed to call them to verify the check before they could clear me out of their system. I called the WV Tax Dept. After being on hold for almost TWO HOURS, I was told that there is nothing wrong with the check and that Certegy has declined almost all refund checks from the State of WV this year. The Tax Dept. says they will not call because they have had SO many reports of this happening that they just do not have time or enough staff to call on each and every check. I have never written a check so I know that I have no bad checks outstanding. I do not have a bank account, can not afford to open XXXX and should not have to do so. Certegy is refusing to okay my transaction without telling me why. It just seems like a huge run around - the merchant says it is Certegy 's fault, Certegy says it is the Tax Dept 's fault and the Tax Dept says it is Certegy. I just want my money as I do n't make much and really need it. This is unfair for Certegy to decline transactions without giving me a reason or making it appear that I have done something wrong. If it is nothing I 've done, and it is a government check that is valid, they have no reason to decline the transaction. In addition, getting any information on why it was declined or how to fix it has been a nightmare. Certegy should not be allowed to commit fraud in the name of " fraud protection ''. While on the phone, they offered to sign me up for a free " VIP '' service that will monitor my credit report. I have never had a credit card and have no reason to have a service like that. I believe Certegy is declining my check in order to enroll me in a service that I will end up paying for in some fashion. Please make them stop this!!! I have no idea who else to call or how else to fix this situation.

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 2020-08-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The purpose of this complaint is to express extreme dissatisfaction with work of Barclays banks /Dispute department/XXXX XXXX XXXX XXXX and the decision they made in the above referenced case /dispute XXXX. We are going to attach all the correspondence related to this case for your review. 
In a few words- this case is very simple : it was much easier for your Dispute Department to award this case to the Merchant ( Hotel ), but that the reservation in question was cancelled due to natural disaster of world proportions, and as clients we should be protected by our credit card Agreement. 
For someone who would review our letter / map attached it will be easy to understand that it was physical impossible for us to fulfill our reservation obligations and get to the hotel. We predicted this situation a week in advance, but in fact on XX/XX/XXXX the whole area was on a lock down and that would make totally impossible for us to drive from the airport to the Hotel. 
That should be a sufficient reason for the Dispute Department to adjudicate this claim toward us, the clients who should be covered by the Credit Card Agreement. But, unfortunately, our claim was denied with erroneous recommendation to continue attempting to resolve this matter on our own For your information, that was the first thing we have done, we exchanged multiple emails with the Hotel, and never got even an offer to split the charges, or provide the credit. Only after the realization that we came to the dead end we decided to get the credit card involved. 
May be it was not clear back in XXXX, but it is clear now, that we live during the pandemic, and this is probably equal or worst to the natural disaster.. It is far from being over, and even now visitors from USA are  not accepted in XXXX. 
I strongly feel that this matter should be re-visited by Barclays management.

We attempted to contact Bank/ Dispute Department on a regular basis, few times a week. We have the names of almost all Customer Services representatives we spoke to. Unfortunately, all these people  are trained to give the same answers, but not able to access the computer, see if any of our documents, email or fax correspondence was received ... Even further, if we ask to speak to the Supervisor ( who might possibly have better access to the computer ), be ALWAYS are placed on hold, and get disconnected.

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 2020-08-04
Company: Bread Financial Holdings, Inc.
State: CO
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 always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date 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 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am a victim of identity theft. I have filed numerous disputes with the credit bureaus. I have not received a response from the credit bureaus and it has been over 60 days.

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 2019-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calls made before XXXX XXXX, also repeated calls to my workplace despite my repeated ask not to. Refuses to give me information over the phone about the debt and instead only asks when I am making a payment and demanding it be a certain amount, repeatedly asking for credit card/method of payment. I asked to have a notification mailed to my home and still have never received anything that shows what the debt is or provide proof this is a legit debt collecting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested a letter of validation of debt twice now and they have not sent it to me, it has been over 30 days and they claim to have sent it to me but the letters I got and saved only show the total amount owed not what I requested. I called the company and they are telling me they sent it when they have not. I requested a email and one was not sent. The When I was requesting the debt over the phone the woman kept trying to convince me to pay before getting that letter and almost refusing to provide it. This has been removed from my XXXX already as well due to meeting the FCRA requirments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Experian Information Solutions Inc.
State: VA
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:
My Experian credit report includes multiple names, NONE of which is my legal name.     Can not get them to change it. I am worried that their inaction is masking some sort of fraud.

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 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
OnXX/XX/2018, I wrote to XXXX, XXXX , & TransUnion informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. XXXX  XXXX XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 TransUnion & XXXX Informed me that the items were verified. Which is through a the XXXX system. I got nothing in writing stating who TransUnion & XXXX spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. XXXX never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file 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 explanation
Consumer complaint received 2022-01-22
Company: PNC Bank N.A.
State: IL
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:
PNC Bank keeps harnessing me, and defaming me on my Credit report for a vehicle, and a debt that I am not legally responsible for since they failed to go retrieve the Vehicle from the City Of XXXX. PNC Bank did not file Claim with the City, and relinquished the vehicle to The City of XXXX whole Sold this vehicle while the PNC Bank held the Title to this Vehicle. Im not allowed to legally discuss this because its pending current litigation, and awaiting Supreme Court hearings. You may reach out to my Lawyer XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX PNC Bank held the title to the Vehicle, and could have retrieved this legally under Federal Law, and Chose not to, and could have went after the City since the City sold their Legally held asset. Instead they have decided to come after me, and place this on my credit file, as a repossession when the vehicle was never reposed, and resold by the City. The City of XXXX has a resale Certificate which can be provided by my lawyer. PNC Bank keeps putting this charge onto my Credit report every time I challenge it, and they'll put it back on in another way thus lowering my credit score by XXXX points each time. Ive been XXXX  for five years, and my Credit score dropped to XXXX because of this five years ago. Ive been attempting to repair my Credit while waiting litigation in Court that I'm sure will recover the cost of the Vehicle but PNC decides to keep slandering me, and keep hitting my credit report fraudulently each time, and the Credit agency 's allow this, and I keep challenging this. I can not progress in life or live life as a normal person because of this. This keeps me XXXX since no one will rent me an apartment. I have a right to shelter based on the XXXX  XXXX act, and PNC slander, and fraudulent activity of posting this multiple times when they have knowledge that there is current pending legal action makes them accountable under law. If you require any legal document please reach out to my lawyer, Im not allowed right now to go deeper or to release any information since it is pending Court Litigation.

Company response to consumer: Closed with explanation