BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-01
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX This Letter is to make a formal complaint against PNC Bank Mortgage. <P/>Loan # XXXX XXXX XXXX XXXX XXXX. XXXX, Maryland, XXXX Letter Dated : XX/XX/XXXX : Approval for a conditional trial period plan letter : On page 1 of 7 Second paragraph : .. here are the terms of your conditional trial period plan,. if you complete the trial period you will receive a modification with an interest rate of 3.25 %..
<P/>
On XX/XX/XXXX I got a letter of shortage on the ESCROW Account shows {$1300.00} Shortage. We are starting a new loan, so WHY are they charging this bill now. Showing a new payment of {$1500.00} This type of mistakes on PNC Banks Documentation should be punish big time. <P/>On Final documents the interest rate is 4.25 %. <P/>EXHIBIT # 1, Signed by UsXX/XX/XXXX and by PNC on XX/XX/XXXX : Total cash due from borrower : {$1500.00} NOT {$1500.00} Interest rate of existing mortgage 4.0 % AND IT IS 3.25 %, NOT 4.0 % and new modification interest rate is 4.25 % NOT 3.25 %, which they promise as stated above. <P/>I do believe that their way of doing business is ILLIGAL. EXISTING UNPAID BALANCE {$240000.00} NEW PRINCIPAL AMOUNT {$240000.00} WHAT ABOUT THE 4 PAYMENTS OF {$1500.00} FOR THE TRIAL PERIOD? THAT TOTALS {$6200.00}? <P/>When I spoke with my PNC Point of contact XXXX XXXX and then with another representative because XXXX XXXX was not available, both PNC Bank representative told me it is what it is, and if I do not like it, I could stop all the process, catch up with payments and keep making the mortgage payments on the original loan. I felt like they are telling me take it or leave it. No professional courtesy and lack of customer service. <P/>They argue that all this new payments and 1 % higher interest are because I was delinquent which is not true. I was never late, nor behind on my payments and the purpose of doing this modification was to lower the payments by reducing the loan amount which happen to other families, and to lower the interest rate so my payments will be lower. I will be saving about {$330.00} a month, but I am starting a new mortgage for 40 years, this is not right, because I had only 10 years left om my original mortgage. <P/>I have accepted the terms imposed ( Illegally ) by PNC Bank because my monetary condition. I am disable for the last 2 years on a fixed income, and my wife lost her job after 17 years with the Federal Government. We are being forced to their conditions and they are not playing by the rules. <P/>I do believe they need to be punish. <P/>Please see respective attachment provided by me. <P/>Sincerely. <P/>XXXX XXXX H. XXXX C. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: TX
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:
I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address ( Insert address ). 
My name should also read XXXX XXXX, my current phone number XXXX. 
Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX, IL XXXX-non mailable address XXXX XXXX  XXXX, IL XXXXnon mailable address XXXX XXXX XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX, IL XXXXnon mailable address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Applied Data Finance, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am being charged an excessive amount of interest. I was offered an opportunity to refinance this loan with the promise that the interest rate would be reduced and it has not been reduced. I am paying {$190.00} bi-weekly and my balance has not moved. This is a UDAAP issue, this is also a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX XXXX credit card though Synchrony Bank which I rarely use. I made a small purchase in XX/XX/2018 because the store offered 50 % off if I used their card. I only realized yesterday that my account is past due. I did receive monthly statements via email and I acknowledge I didnt open them because I dont use the Card and some credit cards send a statement if you have no balance. Beyond the statements, I never once received a payment reminder or communication that my account was overdue. Even when I go back to the statements and my online account now, there is no indication or alert that the account is past due. When I called the credit card company today to rectify the situation ( I have been charged {$78.00} in late fees and my credit score has been impacted ), I found out that I had been sent to collections. Again, there has never been any communication that my account is past due and the rep acknowledged this on the phone and confirmed the monthly statements via email were the only form of communication I had received. The rep would not refund the late fees, but my biggest concern is the impact to my credit score which was over 800 before this happened. If I had received communication that my balance was due/overdue I would have paid immediately. The charge was {$33.00} and I could have very easily made that payment. I dont think I received adequate communication from Synchrony bank and have been impacted negatively in terms of late fees and credit score. Not so paid the full amount due including late fees yesterday as soon as Inrealized what was going on.

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 monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: MA
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:
Equifax told me that the bankruptcy information that they are reporting on my credit file was provided to them by the court house but that isnt true, I called the courthouse and they told me that they do not provide any bankruptcy information to any of the credit bureaus, now for some reason, equifax keeps telling me that they have been able to verify this bankruptcy, if that is true then I would like the name of the person that they spoke to at the courthouse and also the phone number of the same person, I would also like equifax to provide me with any information that they have from the court house, proving that they provided this bankruptcy information to them. I received a letter from the courthouse that tells me equifax is lying when they tell me that they have verified the bankruptcy. 
Equifax does not need to verify my identity because I have provided them with the last 4 numbers of my social security number, my home address and my date of birth, also I am providing them with a copy of my identification, and a copy of my social security card, I know that this company uses these type of tactics to never remove what is inaccurate on a credit report because they get paid for it and it is illegal that equifax provided my personal information including this public record to my current employer, by law they cant do that, I have never given them authorization to provide anyone with my personal information. This company does these type of illegal things and it makes me wonder about what else it is that they do with peoples personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Why is n't Diversified Consultant providing me with the information I am requesting? I am being sent instructions to fill out fraud statements but that is not my concern. If this is really my account, I need to see the supporting documentation that proves this is a debt I truly owe. I filed a dispute on  XXXX / XXXX /  XXXX   and I got the same exact answer I have been getting for months : " Fill out the attached fraud packet and mail it back to us. '' Neither I nor the CFPB have been provided with the information to support this is a valid debt. I specifically requested that validation of the debt be uploaded to this portal so the CFPB can conduct a closer investigation but once again, they are claiming to have " mailed '' it to my address. I have not receive a single document from this company and they continue to report this to my credit without being able to prove it is a valid debt. Not only that, in their letter they address me as " him ''. I am not a man, I am a woman and this is just another example of the scam this company is trying to play on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on   X/XX/2017   my  Chase  checking account was hacked and I had a fraudulent charge of {$550.00}. Chase deactivated the account and I went into a Chase bank on    X/XX/2017      to close my account completely and open up a new one. At that time while with the banker was on the phone with  Chase  support they told him they had issued a temporary credit of {$550.00} to the account. The banker then transferred the remaining funds from the old account to my new  one  and closed out the old account.     Fast forward to     X/X/2017     where I received a secure message from chase saying that the charge was fraudulent and that the temporary money is now permanent. on    X/XX/2017      I noticed that my savings account was drained to    XXXX    and another charge of {$84.00} had come out of my checking for Account recovery. I went into the Chase bank and they told me my claim was denied and they were pulling the money out to make up for the - {$500.00} in my old account.     I called Chase support again and after an hour and a half of being transferred and waiting on hold they told me that it looks like the temporary credit was never added to my account which is what caused it to go negative. I was then told that they will dispute it but that they dont ' know when that will be completed for me to get my money back.     On     X/XX/2017     I noticed another charge of {$31.00} for account recovery. I called them again and they told me it was for the negative balance on my old account. I asked to speak to a supervisor who then realized what the issue was but was n't able to return my money or tell me when it was going to happen.     O n  XX/XX/XXXX  I had  to cash in a silver bar so I could deposit the money into my account which was sitting at   XXXX   so that I could pay mortgage and bills. On       X/XX/2017  I  noticed my check came through and again it was short by nearly {$100.00} meaning they pulled more money from my account.     This is unacceptable ... ..Chase has acknowledged their mistake but refuses to fix my problem. I dont ' have a lot of money so I need every penny I have or my finances fall to pieces. I really  REALLY  need to get my money back because as of right now Chase is literally stealing money from my account. I was never notified via email or letter or phone or anything to let me know this account was in the negative in the first place to give me time to figure out what was going on, they just decided that they could take money from my account at any time without any authorization from me. Please help!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted   XXXX   XXXX   about having debts that I 've already paid deleted from my credit, however the representative told me that they can not delete from my report eventhough I 've already paid. They also told me that only the credit bureaus can delete this from my credit, however I pad convergent for the debt I owed them. This is causing a severe negative impact on my credit which is preventing me from obtaining a loan. Convergent uses  XXXX  ( an email verification system ) and can delete directly, however they refuse to do so.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I pulled my credit report earlier this year and noticed there were several errors on my report. The first account listed was a car note reporting multiple late payments. Initially I sent a verification letter to all 3 bureaus on XXXX XXXX. XXXX responded with a frivolous letter stating I needed to prove the validation letters were sent by me. When I sent my validation letters, I attached my Drivers license as a form of identification, however because the responses stated I needed to provide addition proof, I sent a follow up letter confirming I was requesting validation on XXXX XXXX with my Drivers license again. In addition, I never received a response from Experian or XXXX regarding my verification letter, in turn I sent a follow up letter on XXXX XXXX as well to Experian and Experian requesting a this account be deleted since not validation had been completed. My third letter I sent was dated XXXX XXXX, stating how I never received any responses and requesting a deletion of this account if it could not be validated. To date i still have not received any responses regarding the late payments being reporting or an update. In addition, there are several collections account listed on my report as well. I have requested validation of these account on, and still have not received a response. i sent two letters to both XXXX and experian. I have attached all of my documents.

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 2023-03-04
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name 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 an 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Multiple hard credit pulls without my consent. Spoke to agent about the issue and he stated that they could pull credit as many times as they need as long as I have a debt. I believe this to be unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card was stolen on XX/XX/XXXX and had unauthorized transactions from XXXX  for XXXX and XXXX. As soon I saw the transactions I closed out the debit card. I tried to dispute them but couldn't since it was pending. I reordered another card on XX/XX/XXXX. 

My card was XXXX  after leaving it at the last legitimate store I did business at. 

I couldn't dispute the transactions due to them pending. When it completed I disputed them and had another card shipped to me. 2 cards in total were sent due to this transaction less than 24hours later it was denied. I don't have the pin written down on my card and it was XXXX. So no sure how they're saying no wrong doing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received email on XXXX XXXX XXXX that an account was opened at Bank of America in my name. I have tried to speak with them as I do not bank with nor is there one near me. They won't talk to me since I don't have the account number. This account was opened without my say so and I want it closed.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXXXXXX 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 XXXXXXXX Balance : {$2200.00} 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 2017-07-18
Company: Avant Credit Corporation
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, The Company Avant , Inc. falsely reported two missed payments to my credit report.
I 've had   XXXX   balance with this company since the end of  XXXX  and a perfect current payment status up until this week when I checked my credit score, which I check every week.
All of a sudden they reported to the credit bureau this week that I missed two payments for   XXXX   and  XXXX  of  XXXX . I never had a balance with them in  XXXX .
This is 100 % false fraudulent reporting. My credit score has plummeted  XXXX  points because of this false allegation.
How can a company all of a sudden ruin my credit this week over something they alleged happened in  XXXX . Why did n't they report it then. Why was I never contacted over these alleged missed payments at the time.
This is bogus and thoroughly wrong.
I 've strive very, very hard to get my credit score up and Avant comes in and destroys it in one day over false reporting.
I 've contact the company and they said they would look into it and they sent me a email I do n't understand.
This is the companies information : Avant, Inc.
  XXXX   XXXX   XXXX    XXXX , IL  XXXX  XXXX   XXXX 7 Please help me with this situation and let me know who else I can contact about this matter.
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX billing did not bill US Dept of Labor, Office of workers Compensation for the XXXX transport charges resulting from an on the job injury. 
XXXX XXXX XXXX, billing under the name of BullCity Financial SOL, charge of {$800.00} was incurred as a result of an on the job injury. I have spoken with the company on numerous occasions to provide the online billing information that the US Dept of Labor office of Workers Compensation utilizes to remit payment. 
The previous company representatives were not competent enough to remit bill to DOL OWCP automated system. The new company took over XXXX XXXX XXXX. I submitted all of the DOL OWCP billing information to the new company to no avail. The representative assured me that the billing will be submitted. The charges are still showing on my credit report and I am not liable for the charges that DOL OWCP has assumed liability of. 
I also shared the DOL representative information to contact, if they needed assistance with the this. XXXX XXXX XXXX This billing has dragged on and I have been negatively affected on my credit for years due to their inefficient billing system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Thee people are crazy I was approved for my XXXX XXXX XXXX and XXXX card and have my secured platinum after I was approved and received my new card they restricted all my cards and wont let me use them even after sending them document verification they still wont let me use my card how annoying can they be

Company response to consumer: Closed with explanation