BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to complete a short sale with Faye Servicing since XX/XX/2020. Please see the attached synopsis of what has taken place. 

Due to Fay Servicing not responding in a timely manner throughout the process we are now against the wall with a foreclosure sale date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I closed my XXXX XXXX credit card on ; XX/XX/XXXX due to my infrequent use of the card. I was told by XXXX in customer service, I would receive my final bill in the mail. I always received paper bills and have never signed up for paperless. I never received any further bills. However on XX/XX/XXXX XXXX from customer service called me and stated I was delinquent on my bill. I told him I never receive any further bills. He informed me of some charges dating back to XX/XX/XXXX to XX/XX/XXXX totaling {$260.00}. I recalled the charges and immediately told him I would pay on my Online Banking while he was on the phone on XX/XX/XXXX ( amount {$260.00} to pay balance in full ) On XX/XX/XXXX I received a refund check in the amount of {$240.00} stating ; Attached please fine a refund check from your account. Thank you for your business. Sincerely Customer Service ( That was the entire letter, which I have a copy of ) Now I getting continuous bills stating I owe Synchrony Bank {$280.00} plus late charges. I have reach out numerous time to state I have a copy of my final payment to them. 
I have called them on XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XXXX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX. 

I have told them numerous times I paid them in full. And yes I received a refund check. for {$240.00}. Not the same amount I paid to close the account. I question there billing and non billing of my account. And now a refund check is all in question. I will not send any further payments nor returned any refund that was due 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 2023-06-22
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I request to have PMI removed from my mortgage due to the home equity exceeding 20 % of the XXXX ratio. In XXXX PNC responded asking me to provide justification of the increase in my home value and a check for {$100.00} for a XXXX XXXX XXXX. The check was received on XX/XX/XXXX and cashed on XX/XX/XXXX. On XX/XX/XXXX, PNC mailed me a letter stating that the price increased to {$150.00} as of XX/XX/XXXX. I contacted PNC to ask why the price increase applies to me since I submitted my request and my check was cashed before the new price went into effect. I called XXXX more times during XXXX and XX/XX/XXXX and each time was told someone would call me back to explain. I never received a return phone call. Finally on XX/XX/XXXX I called and demanded to speak to someone right then that could explain since no one had ever called me back. I was told that the PMI department does not speak to customers which is why no one called me back. They did not explain why I was told I would receive a call back. The customer service rep I did talk to said that it did not matter when I submitted my request or when it was processed ; at any point if the price changes they can cancel my request and require that I restart the process and pay the higher fee. That is misleading and deceitful to allow a mortgage company to change rates at any time and make them retroactive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019, Equifax received my dispute of account number XXXX, {$510.00}, with agency number XXXX with Equifax. I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax received my last dispute on XX/XX/2019 by United States Post Office certified mail number XXXX XXXX XXXX XXXX XXXX. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Back aroundXX/XX/XXXXof XX/XX/2019I had XXXX, no insurance at the time. About a year ago that debt was sold to a different company and they started saying that they were sueing me. No warning They didnt hand me papers but they handed to one of my roommates I then tried to work with them and they continued to add fees we settled with my first payment and they told me they wouldnt add any interest or fees and I continued to make payments I think I may have missed a month or two of no payments and I believe they just added more fees and interest they are being really aggressive and they are trying every way possible to get more money out of me. Its not fair I have a lot going on Im not rich Im poor I have a low income job with a lot of bills

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: NJ
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 asked the credit bureau to do a verification for the following accounts and to furnish supply original contracts and the rights for these agency to collect in my state. The credit bureaus have only verified electronically without providing proof and has failed to do so in the time allowed. 
XXXX XXXX XXXX XXXX  {$590.00} acct # XXXX XXXX XXXX {$1200.00} acct # XXXX XXXX XXXX XXXX {$1000.00} acct # XXXX XXXX XXXX XXXX {$860.00} acct # XXXXXXXX XXXX XXXX  {$990.00} acct # XXXXXXXX XXXX XXXX {$650.00} no acct number displayed XXXX XXXX XXXX XXXX {$1000.00} no account number displayed In accordance with the Fair Credit Reporting Act all of these companies have violated my rights. 

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

15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-26
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i had my car repossed from wellsfargo due to XXXX policy being added to my account made my XXXX payment go up to XXXX for the XXXX policy XXXX days before payment and XXXX days after adding this policy wich i did not need due to the fact that i had my own personal insurence and gap insurence when i got the loan for the car and my car was purchased for personal use so they should not have even added Any policy to my account my interest went high and i fell behind they repoed my car XXXX days after adding the XXXX and then sold it in auction withought me being notified of where it was even at on top of all thing the settlement check they sent me went to a bancrupty trustee in Spokane that i never heard of i have never been or filed for bankruptcy amount was XXXX XXXX also went through mediation and that was a joke the first statement the mediator made was that him and wells fargo deal with people like me every day i was so emotionally drained that they were making jump through hoops for something that belonged to me anyways after they denied me getting another check made out that the bankruptcy trusstee recieved and cashed was denied please help even on the refund they did send they were still lying and stealling out money again why let the bank who robbed us be in control of our refund money .they also missapplied paymenrts incorrect fee and interest rates were charged to my account if redressed you will see that i would have hAD MY CAR PAYED OFF IF IT WASNT FOR THE XXXX POLICY

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 2022-05-25
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: PNC Bank N.A.
State: PA
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:
This is my formal complaint to PNCBANK for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Jcmcb card {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: TX
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 according with Fair reporting act XXXX  Accounts 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 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1682C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-07-12
Company: EQUIFAX, INC.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX Balance : {$510.00}, XXXX  XXXX Balance : {$500.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$950.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXXXXXX Balance : {$430.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$520.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
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:
My vehicle loan with Credit Acceptance Corporation became delinquent in XXXX. They charged off the account in XX/XX/XXXX and continued to report charge off account for XXXX, XXXX, and XXXX of XXXX. They changed the account from charge off status to delinquent in XX/XX/XXXX. The vehicle is inoperable however to work on improving my credit I began making payments on the account after the charge off. The account is reporting past due over {$8500.00} with a balance due of {$9000.00}. CAC reporting strategy is causing me to show as if I have an account that is open and seriously past due. Lenders are more likely to work with you if there is a charge off account that you are paying down verse an account reporting as open and over 150 days past due. The account had been charged off and should remain in that status. I am curious to know if CAC took advantage of tax benefits from charging off the account. I believe this is a deliberate act to further damage their customer 's credit when they default on a loan. I am also not in agreement with the way that they allow you to make a payment arrangement but will not update the credit reporting to reflect the payment arrangement. When you call to speak with their customer service representatives they do not seem to be able to help you beyond making a payment.

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 2018-05-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Hello my name is XXXX XXXX. I had a HELOC {$49000.00} which was discharged in XX/XX/XXXX in a bankruptcy and Chase Bank started forclosure proceedings in XX/XX/XXXX. I have paid XXXX XXXX XXXX XXXX an attorney ( XXXX XXXX, XXXX ) to resolve this issue since XX/XX/XXXX. I refinanced in XX/XX/XXXX and the title company involved in the closing was negligent and did not obtain a subordination notice for Chase bank to sign {$0.00} balance lien even though it was the same title company that handled a refinance in XXXX. This put Chase in a position before XXXX XXXX ( Chase 's claim ) to foreclose on the property in XX/XX/XXXX. A clerical error which has put XXXX XXXX in a position to loose their first mtg of $ XXXX. I have retained another attorney and still can not get any resolve on the matter. There are many documents and facts in this case and wanted to start off with minimal information until I am contacted from your office. Chase Bank is now forcing me to take a loan modification for an undisclosed term and I need help as an individual can not go against a multi XXXX dollar organization like Chase bank, # 3 JPMorgan Chase Market Cap As of XX/XX/XXXX {$300.00} XXXX info from XXXX website Chase Bank will spend {$500000.00} on legal fees for this case for this {$49000.00} debt that was discharged. I can not negotiate with them and in need of assistance regarding the rules and laws with collection of this debt and the current foreclose on the property after my bankruptcy 7 years ago. 
Please advise, Best Regards, XXXX XXXX - XXXX C #, email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: PA
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 am writing to address a matter that requires urgent attention and resolution. On XX/XX/XXXX, an investigation was initiated within the XXXX XXXX XXXX, during which my personal information was accessed from credit bureaus without obtaining my written consent or any form of authorization. This occurrence is deeply concerning and raises serious privacy and legal issues. 

Under the framework of the Fair Credit Reporting Act ( 15 USC 1681 ), it is unequivocally stated in section 602 ( a ) that consumer reporting agencies must conduct their responsibilities with fairness, impartiality, and utmost respect for the privacy rights of consumers. I firmly believe that XXXX, Equifax, and XXXX, as consumer reporting agencies, are bound by this principle. As the consumer, I hold the right to safeguard my private information, as further reinforced by 15 USC 6801, which emphasizes the obligation of financial institutions to respect customer privacy and confidentiality. 

It is crucial to highlight that, as defined by the statute, a " Furnisher of information to credit agencies '' falls within the ambit of a financial institution. According to 15 USC 1681, section 604 ( a ) ( 2 ), a consumer report can be provided only with the explicit written instructions of the consumer to whom it pertains. I would like to emphasize that neither Equifax, XXXX, nor XXXX has procured my consent to disseminate this information, whether through verbal, non-verbal, written, implied, or any other means. Thus, I hereby revoke any and all consent that may have existed, thereby withdrawing any authorization they might have presumed to have.

Furthermore, 15 USC 6802 ( b ) ( c ) explicitly states that Credit Bureaus are prohibited from disclosing nonpublic personal information to any nonaffiliated third party unless the consumer has been informed of their right to restrict such disclosures. Regrettably, I was completely unaware of this investigation until after its conclusion, which directly contradicts both the policy and intent of the Privacy Act of 1974.

I appreciate your immediate attention to this matter and your commitment to resolving this issue in a fair and just manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in XXXX 2022. After closing, the mortgage was purchased by United Wholesale Mortgage. I have no Escrow account on this mortgage, as all taxes and insurances are paid in-full by me separate from the mortgage. 
On XX/XX/2022 I received an email from UWM at XXXX. that they had made a payment to an insurance company on my behalf When I logged into my account I saw that they created an escrow account on my mortgage account, and sent {$1200.00} payment to an ( unknown ) insurance company I never heard of. 
They did this without my knowledge or consent. My insurance policy was paid-in full BEFORE UWM bought my mortgage in XXXX 2022. AT NO TIME did UWM ever ask me to provide evidence of insurance ; in fact that was provided to them when they purchased the loan from the previous lender, as it was including in the title closing package as PAID IN FULL. 
I immediately contacted UWM asking why this happened? It took 3 days for them to respond, at which point they asked me to provide proof of my hazard policy which I did. I have done so, and am now trying to get this escrow account and {$1200.00} refunded. 
I received no apology or explanation as to why they did this, which leads me to believe it was a deliberate attempt to de-fraud me.

Company response to consumer: Closed with explanation