BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, I paid my mortgage in the branch via personal check with the late fee included. The receipt stated calendar date and business date. The payment was received on XX/XX/2023, but was not reflected on the statement until XX/XX/2023. I acknowledge this was a holiday weekend. However, their written correspondence clearly states the payment will be credited the same day. This is troublesome because PNC mortgage and its statements state the payment is credited the date received. That did not happen in my case. There is no addendum to the statement which makes it egregious and misleading. 

Before PNC Mortgage attacks me, I acknowledge the payment is due on the first. I have never made a mortgage payment after the 30 days has elapsed. The issue is not me, the issue is PNC Mortgage has misleading statements on its website and written correspondence. That can harm borrowers as they may make a payment on the XXXX of the month thinking it will be credited the same day and it won't be credited the same day as their written documentation states. Their inconsistent practices are harming borrowers and potentially ruining their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been making car payments on a XXXX XXXX for close to 2 1/2 years at the amount of {$530.00} per month. 
I actually have had a hardship with my bank and XXXX said I was short one payment while I still was making auto payments from my XXXX XXXX ACCOUNT. I had been making payments on prior car loans faithfully for ten years through XXXX XXXX AUTOPAY. When XXXX XXXX claimed that I didnt make a payment I still had AUTOPAY. XXXX XXXX didnt own up to anything. Money had been taken from my account but it didnt show a payment made. The bank is in error but refuses to acknowledge when I try to talk with them. I made 3 attempts talking with XXXX Staff. Twice in person and once on the phone. XXXX XXXX took about {$470.00} of my checking account money in XX/XX/XXXXto o pay to pay XXXX XXXX Credit Card Services because the bank aloud the CC to run over its limit instead of declining charges made over the credit limit. I also pay {$150.00} per month on the {$3500.00} credit limit card for many years. So I receive a Federal SSI Check. Soon as that was submitted on XX/XX/2017 XXXX XXXX scooped up the money and I hadnt authorized that. I then had to stop autopay on my car loan. I didnt have enough money left to pay on my car. I had to wait until XX/XX/2017 to make a partial payment on my car of {$410.00}. I had to get XXXX XXXX to give my money back to the checking but they refused. I couldnt make XXXX Payment, XXXX, XXXX, XXXX, and I would have payed towards it at the end of XXXX but they illegally came and repossessed my car last week. The XXXX, Ca. Police Department told me the car was not up for repossession the night it was taken. Now I have no car. The XXXX XXXX XXXX me up for close to {$1000.00} that I couldve paid on my car. 
My money I receive from the Federal Government is for a XXXX that I have. I am filing soon for veterans benefits. I feel taken advantage of and I need my car for doctors appointments etc. 
I am in dire need of help. 10 years + of making car payments and never missed or late ... Please help me get my car back or something else to drive ... Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX and the bureaus to remove these lates however, I have not been successful.

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 2021-03-02
Company: Client Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Client services, inc is a fraud. XXXX XXXX XXXX XXXX XXXX in XXXX XXXX mo They have my name and address. Sent me a letter saying I owe them {$2500.00}. They say they are debt collectors. This letter looks so real who knows how many people they have frauded by this! Reading their comments, this has happened to many people. Also, people who work there have commented as its a horrible place and that its not for the kind hearted. Ya because yall are scammers!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: Apelles, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
APELLES collection sent me a bill asking me to pay the balance of {$2400.00}. I was told that my health insurance never pay the bill. They said that the bill is for the month of XXXX, XXXX 

I called the XXXX XXXX where I did the Heart monitor ( TLC diagnostic brand/company ). Biller from XXXX XXXX says that I don't have any money owed. I was told that my METROPLUS GOLD insurance already paid the whole bill. 

The BILLER sent a document thru email and my balance is totally {$0.00}. 

Below are the phone number to reach out if ever you need to verify anything. 



XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Williams & Fudge, Inc
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Tuesday XX/XX/2020 at approximately XXXX XXXX, XXXX XXXX, and XXXX XXXX I had three missed calls from a company trying to collect a debt. I called back asking who was calling because I did not know who it was. The lady stated her name was XXXX from Williams and Fudge and a debt collector trying to collect a debt. Asked if I was the person on the account, and again asked who I was speaking to and she proceeded to tell me she was trying to collect a debt for a client and proceeded to tell me about this debt without confirming who I was. I said that Ive spoken to someone about it and I couldnt make a payment plan at the moment because I was in a financial rut at the moment. She asked how long Ive been in this rut and I said a few months. She started to raise her voice and become really rude with me at this point. She said that its been over a year that i owed this debt and said that I owed over {$6000.00} dollars for this debt ( that was not the right amount ) and I needed to pay it. I said that I couldnt at the moment. She then asked if I knew that this is on my credit and if I knew that its going to impact my credit score. I told her yes I know but I still cant. She asked if I filed my taxes, and I asked her why she needed to know and she raised her voice more and said that she had a right to know and if I was refusing to state this information over a recorded line, I said yes I am refusing plus its already going to be taken. She asked from who? I said that it was not any of her business! She then asked if I was going to get a second job to pay this debt. I finally told her that I would not like to speak with her regarding my debt and she should not call my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting 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 : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2019-06-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested mortgage assistance with my property I have submitted financials to the mortgage service Select Port Folio. 
Please Help I don't want to lose my property. The bank is very difficult to work with. I reside in the property to assist my elderly Mom whom need my help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : CHOICE RECOVERY # XXXX, CHOICE RECOVERY # 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 XXXX # 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 2020-02-18
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:
Complainant is presently applying for a mortgage loan modification. XXXX XXXX XXXX  acting as a debt collector on behalf of XXXX XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.

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 2020-04-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been a Citibank credit card customer ( almost exclusively ) for 28.5 years. I asked them to change my credit card from the XXXX XXXX Platinum card ( I'm no longer a fan of XXXX XXXX ) to a normal, cash-back card. However, they CLOSED my account of 28.5 years and opened a NEW account ( no credit history ) which immediately caused my credit score to drop from XXXX ( excellent ) down to XXXX ( 40 points ) while I am getting approved for a $ XXXX refi of mortgages. Because of the credit score change, this will translate to about $ XXXX/month in ADDITIONAL cost to me. I contacted them to explain the situation and re-open the account. They told me there was a process to re-open ( including a credit check ) and I told them NOT to check my credit again ( as it will drop further ) and they agreed not to. I was talking to " XXXX '' a supervisor in Arizona. When we discussed the situation in detail, he actually explained to me that it was a BANKING mistake ( not a customer mistake ) and because of that, they WILL NOT check my credit. AGAIN, XXXX, A SUPERVISOR SAID THIS WAS A BANKING MISTAKE. NOT MINE. He said he will submit the request to re-open the account and I should hear in 24-48 hours. However, the next morning, I was notified that Citi DID check my credit!!! I have followed up by phone, chat an even in person at a Citi branch ( spoke to the Branch Manager for over an hour ... and she had customer service on the phone ) and all I have been told is to " wait '' to see if they will re-open the account. No one can provide ANY answer or update. They just say I have to wait ( even though I was told 24-48 hours, weeks ago ). WEEKS later ( even though I have emailed and called almost daily ) I got a form letter that said they won't re-open my account. No explanation. No discussion or human interaction. Just a form letter " decline '' after 28.5 years and THEIR mistake. Now, I have to rebuild my credit ( and not be able to refi a $ XXXX mortgage because it now doesn't make sense ) because of THEIR mistake. Now, due to coronavirus response ( which is, of course, a priority ) I can't get ANYONE to even answer the phone.

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 2021-05-23
Company: Tier Capital, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I was in the process of closing a reverse refinance loan with XXXX when they were notified by HUD that the current company holding my mortgage, Good Life Home Loans, had never insured the loan and that we could therefore not proceed until this loan got insured. Consequently, my file and application was going to be cancelled and closed and I was going to have to go through the grueling process of reapplying all over again. This is so unacceptable that they are causing this major setback, inconvenience, and trouble to put me through this. 

It is beyond my comprehension as to how and why this happened. There is no excuse for someone not doing their job and filing proper documents to get this loan insured or ever making sure it was insured. If I had not applied for a refinance both myself and Good Life would have never known my loan was never insured. This loan closed on XX/XX/XXXX so it has been nearly 6 months with an uninsured loan with Good Life Home Loans. 

After talking to the Good Life company, I was told this would be resolved by the end of the month. I am filing this complaint to make sure this happens as quickly as possible without wasting a lot of my time. Also, I want the owners of this company and all other people to know how incompetent this company was to allow this to happen and make sure no one is expected to endure this kind of situation again. In addition, this is delaying the close of my loan with XXXX by a minimum of 2 weeks which causes me to pay interest that I would NOT be paying had this not happened. As a result of that I believe I should be due a reimbursement for the cost of the interest for the time that is going to accumulate due to the error of this company. 

Finally, I would like to mention that my interaction with your branch manager, XXXX, in the XXXX XXXX office was so incredibly rude, hostile, accusatory, and unprofessional in every way that I will be filing a formal complaint with the XXXX XXXX XXXX to detail that experience and hopefully inform the owners of XXXX XXXX XXXX XXXX and the public, of the gross unprofessionalism and extremely poor handling of this situation by her, who is in the position of branch manager, and should not be.

Company involved in complaint : Good Life Home Loans XXXX XXXX XXXX XXXX # XXXX XXXX, Wa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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: Account status incorrect

Complaint:
According to the FCRA the credit bureaus supposed to report 100 % accurate and verified information on consumers credit reports. XXXX  removed this item XXXX XXXX XXXX XXXXXXXX off my credit report but Experian and XXXX  kept it. I demand that they provide a METHOD OF VERIFICATION or DELETE it off my credit report 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 non-monetary relief
Consumer complaint received 2022-03-03
Company: Tulsa Adjustment Bureau
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation request to TAB services requesting information to validate debt for account XXXX listed by TAB services. In return, they sent a letter back on XX/XX/22. In this letter, it contained my private medical records/information that is a direct violation of HIPPA privacy regulations. I never signed a HIPPA form authorizing them to have access to this information. As such, I would need them to delete all information of this balance from their collection agency, remove debt listed on all 3 major credit bureaus, and cease all contact for the above noted accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent letters to TransUnion and XXXX about a public record they are reporting. I would like to know the method of verification I have sent several letters requesting this and they have not provided this. I have contacted the court at the address listed on the reports and was notified that they do not verify any accounts with any 3rd parties. Please remove these unverified accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy

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