BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: PNC Bank N.A.
State: AZ
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 am writing to you because I have been made aware of some incongruencies on my credit report. This is damaging my ability to qualify for a home loan, hurting me as a consumer, and causing me mental anguish. This needs to be attended to now. 

Please see the items below. 

Account Name : PNC Bank, N.A. 
Account Number:463404XXXXXXXXXX There is a late payment for XX/XX/2022, which is inaccurate. PNC changed their payment policy without giving written notice to me the consumer, which violates the Fair Credit Billing Act ( FCBA ). I have been paying online with my bank account, and in XX/XX/2022 I was not allowed to pay with my bank account like I previously have done for over a year. I was forced to go inside the institution and pay with federal notes. Only then was I notified that PNC only accepts federal notes in person for my credit card. 

PNC has violated the Truth in Lending Act, CFR 1026.5 General disclosure requirements by notifying me in writing of the change in our agreement. 

My due date was on a Sunday, their institution was not open, nor did they allow me to pay the same way I have done for over 12 months. 

PNC has also violated 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I never received notice, not 21 days before the payment was due, not anytime was a notified. 

XXXX and XXXX are violating 15 USC 1681B and 15 USC 1681C. XXXX does not have my consent to report without my written consent, and they are false reporting. 

Without my consent, that violates 15 USC 1681 c-1, No consent equals identity theft. 

I have never been late on any payments with PNC Bank at any time, look at the history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
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:
On XX/XX/XXXX I provided Experian Report a letter explaining the identity theft under my personal information from the account listed below. It has been a while and I have not recieved feedback from Experian. The account that was opened, was used a address that is not my address. I have provided my documents that shows my real address and proof of the identity theft. All other credit reporting agencies have removed the item besides Experian. I demand a removal of this item DISPUTE : XXXX XXXX XXXX XX/XX/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 2019-06-24
Company: Williams & Fudge, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from William and Fudge , Inc about being delinquent on an account with a bank. I reached out to the bank and they did not have any missed payments or even the account number that I was given to me on on the notice. I have reached out to all my student loan lenders and I have not been delinquent. I do not know how they got my contact information because William and Fudge received my information from the bank that has apparently sent me multiple notices. I've lived in the same address for over 2 years now and this is the first time I have had any interaction with the lender bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX, I was reported a Hard Inquiry that states that it is from a credit card on XXXX that I am not familiar with. I wanted to report fraud and a removal of the Hard inquiry on my report.

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 2023-04-28
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXXXXXX account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed all my credit card accounts, checking and saving accounts.in XX/XX/XXXX. I contacted them once before, and asked them why do they close my account. They said they can not see reason behind, but that is their decision. I do not understand what's worng with my account. I have been using Chase over 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Dispute reason XXXX has invalid late payments on all my credit reports In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX Account # XXXX XX/XX/2020 XX/XX/2020 on Transunion Account # XXXX XX/XX/2020 XX/XX/2020 on Transunion If you can not produce METRO 2 COMPLIANCE EVIDENCE I will force my legal team to files complaints with the FTC, XXXX and Georgia Attorney General along with any further legal action we deem necessary including but not limited to civil and pumitive damages I was never late on the off account listed above Please show me documentation showing proof of transaction Showing that I was ever late to support your inaccurate reporting on my account I am also requesting the description of the procedure used to detertmine the accuracy and completedness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

FCRA allows 30 days for this to rectified My photo id and a copy of my utility bill for proof of address is attached with my current address

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 2021-04-04
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My prior VA Loan servicer, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, sold my mortgage to Freedom Mortgage in XX/XX/2021. Prior to the sale of my loan, I had made one regular mortgage payment and two additional principal-only payments to XXXX. Freedom Mortgage refuses to update the transaction history to apply the payments I made to my prior servicer to my mortgage account. Additionally, I made a mortgage payment to Freedom Mortgage on XXXX XX/XX/2021 and an additional principal payment to Freedom Mortgage on XXXX XX/XX/2021, which Freedom Mortgage originally applied to my loan balance but since reversed and now refuses to apply to my loan balance. Instead, Freedom Mortgage has reallocated some of my prior principal-only payments to future mortgage payments without my authorization. I have called Freedom Mortgage more than twelve times dating back to XXXX XX/XX/2021, spoken to numerous supervisors and agents, and my loan detail remains incorrect. The last conversation I had with a Freedom Mortgage representative ( XXXX XXXX XXXX on XXXX XXXX 2021 involved Mr. XXXX telling me that I should not worry about the accuracy of the payment history as long as my credit score is not being negatively impacted by all of Freedom Mortgage 's errors relating to my account. I wholeheartedly disagree and know that I should not be paying interest on principal that I paid off dating back to XX/XX/2021.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions Social Security Number, Name, Proof of Address, and Date of Birth were also uploaded as proof that the Credit Report belongs to me

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 2021-04-04
Company: Collection Bureau of Fort Walton Beach, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After reviewing a copy of my credit report I noticed that Collection Bureau of Fort Walton Beach are currently reporting a debt on my credit report. Under the Fair Debt Collection Practices Act, I have the right to request validation of this alleged debt. I am requesting documentation containing a list of all charges, dates of services, including procedures given and all the fees associated.

As you are aware, under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), I am allowed to protect my privacy and medical records from third parties.

I never gave permission to ( Medical Company or Hospital ) to release my medical information to this company. I am fully aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

I am requesting the following : - List of fees including any collection costs and medical charges - Copy of my signature with the provider of service to release my medical information to you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX ( XXXX ) notified me both about a late payment and foreclosure. I had a total of {$70.00} overdue for a month. This was the result of an escrow analysis that was performed in the first quarter of 2023 an emailed to me. The email likely went to spam as I did not receive either a letter or phone call. 
I called on XX/XX/XXXX as a result of a letter from XXXX stating home was to be foreclosed. I called them for an explanation and they informed me I was behind by {$70.00}. My payment had increased by {$70.00} in XXXX to be applied in XX/XX/2023 moving forward. CM also reported me late for the month of XXXX, even though I had paid {$1600.00} on XXXX. XXXX explained shortage was taken from escrow account and I paid and additional amount of {$140.00} on XX/XX/XXXX, to account for the shortage in XXXX and XXXX. 

This late report is impacting my ability to obtain credit. The {$70.00} were taken out of escrow for the month of XXXX and I made an extra payment in XXXX to cover that. XXXX, please explain why I am being reported late. I have never had issues with any other mortgage service providers ; XXXX continues to conduct themselves egregiously.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-04-05
Company: EQUIFAX, INC.
State: AR
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: Was not notified of investigation status or results

Complaint:
I sent off letters to Equifax back on XX/XX/XXXX, XX/XX/XXXX & most recent on XX/XX/XXXX. I included within my letter to investigate several accounts that were reporting inaccurate. Equifax failed to comply by their company policy to provide me with verification of accounts that has and is still continue to report. I just recently received an updated credit report date stamped as XX/XX/XXXX that still has those accounts on there. It read that the accounts were verified, however I never received any information on that information. Their investigation was not proper handled. I specifically asked to provide me with the furnished documentation that show proof that I own the allege debt. Equifax failed by not providing any information. My creditability to others is tarnishing my reputation and defamation of my character. The accounts that are currently reporting are the following ; XXXX XXXX XXXX XXXX ( Acct # XXXX ) in the amount of {$230.00} dates are XX/XX/XXXX and XX/XX/XXXX ( Acct # XXXX ) in the same amount of {$230.00}. The other account is XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) Date XX/XX/XXXX in the amount of {$190.00}. I have continue to send letter to validate the allege debt that I am accused of owing. I have not received any resolutions to the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance for my mortgage with Nationstar and was denied for a loan modification on XXXX XXXX, 2015. The reason for the denial was due to an error in calculating my net income. I make tips and my tips are shown ( separately ) on my pay stubs apart from my base salary. Whom ever calculated my net income DID NOT count my tips which are also shown clearly on my pay stub. I appealed the denial from Nationstar by mailing in a written appeal via my attorney and it was confirmed received by Nationstar on XXXX XXXX, 2015. This was within the 30 day period in which I could appeal their obvious error. Nationstar never replied to me and upon having my attorney contact them today ( XXXX/XXXX/2015 ) they state my appeal was denied. My attorney asked them why no letter went out as a response to my appeal and the person who answered the phone simply refused to state why. My attorney advised me that this is common for Nationstar that they continually block people from review for assistance. They are now commonly NOT sending out the required responses and replying within the 30 day period required by law. I am very upset they did not reply to my appeal as they made an error that may cost me my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-10-18
Company: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2021 Consumer Financial Protection Bureau RE : Midland Mortgage Loan Modification does not respond. 
Dear Sir or madam : I have requested a Loan modification from Midland Mortgage since XX/XX/XXXX ( Attach_I ). And they have not responded yet with a Plan. However in the past instead of helping me, they increased the payment {$500.00} dollars per month. 
They increased my rate and increased my Home Insurance and made me pay more. 
I already sent the information but being the same company they are doing the same. Delaying and they have not responded to my request for Loan modification even though I already sent all the information. 
They are making things difficult. I need to make sure I can take advantage of the low rates. Apparently I am not allowed to try to refinance with anybody else. They lock me and are keeping me hostage with debt. 
This time I should be helped since I am the home owner. As the FHA guidelines suggest. 
My hardship has been : 1. I suffered health issues due to my XXXX illness. XXXX XXXX amputation XXXX. 
2. Because of the pandemia, I lost my job in the hospitality business XXXX in the software branch Interval International. 


Sincerely yours, 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 2023-06-12
Company: Affirm 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: Account information incorrect

Complaint:
I'm disputing the status of the loan ( ID : XXXX ) that I got from Affirm. 

On XX/XX/XXXX I disputed the loan to Affirm since I did not receive the purchased item from the merchant that I used the Affirm loan for. In this case I was hoping to use the resources that Affirm had on their website to resolve the issue On XX/XX/XXXX Affirm closed the dispute in favor of the merchant, and immediately made the loan past due. Up to this point, I did not receive the product that I paid for, and the merchant refused to refund, or to replace the item. From that point, the XXXX of XXXX Affirm immediately reported to the credit bureau that the loan was 30 days past due, despite freezing the account for 55 days and not allowing for a payment. 
Website : https : /XXXX.affirm.com/s/XXXX From website : ( After reviewing the evidence, we'll notify you of a decision within 15 calendar days ( it could be up to 90 calendar days at some merchants if you used a virtual card for the transaction ). 
While your purchase is in dispute, you're not allowed to make payments on your loan. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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