BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was transferred from The XXXX XXXX to PNC Bank in XXXX. Prior to the transfer, The XXXX XXXX sent us an Escrow Account Disclosure that stated we needed to pay {$260.00} or our would increase starting XX/XX/XXXX. Since I was already told that our loan was being sold AND MOVING TO PNC Bank as of XX/XX/XXXX I was confused. So I called The XXXX XXXX  and told them I wanted to pay the amount due of {$260.00} but since our loan is being transferred do they recommend I wait and they said that's fine. So XXXX comes and PNC Bank finally sent us our first mortgage statement and it's our normal payment due of {$2600.00}. Nothing else comes in the mail until the next statement that says this payment is {$3400.00}. We called them right away to find out what happened. They said it's our escrow. We looked at the different statements and saw they are now requiring an increase in our escrow by an additional {$720.00}. Our payment was due but they ( PNC ) said we had to make payment now and we can figure it out in the next week or so. So we had the increased payment. I called back to PNC a week or two later to see if they figured out the problem yet and was told yes, they don't know New Jersey taxes so they double charged us ( County & City taxes ). I asked if this being fixed they said we are putting in another request for the escrow department to take another look at the account and they told me to call back in about a week. I call back again to follow up because another payment would be due again for XXXX and I was told another run around that we don't have any answers so you'll need to make another large payment. Now here we are in XX/XX/XXXX and another payment is due. I called today and they still don't have any answers. They just keep telling me to make these large payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2014 I appeared in XXXX XXXX County Court to settle a dispute with XXXX XXXX XXXX. Case # XXXX was heard by Judge XXXX and DISMISSED. The matter was resolved on the spot and closed. After repeatedly being turned down for employment and credit extensions in the last few years, I requested my free credit reports to discover negative information reported from Professional Finance Corp as collection on behalf of XXXX XXXX XXXX? I called them directly but received no direct answer or call back from messages left. I disputed the information TWICE with the credit bureaus directly to have them refuse to remove this false reporting? I have provided copies of the court dismissal documentation issued from XXXX XXXX County court and the are still non compliant.

I do not owe Professional Finance Company anything. The issue between myself and XXXX XXXX XXXX was resolved directly, in court!!! 

This negligence has cost me employment and is hindering my ability to survive as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: AL
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 am a victim of the EQUIFAX XXXX XXXX of XXXX. I didnt get the notification that i was impacted. I found out recently about the extended claim period and i spent well over 85 hours doing my research and getting reports and doing the requirements to file the claim. I have been still doing research since filing my claim. # XXXX I submitted my claim by priority mail and certified mail tracking # XXXX which was received on XX/XX/XXXX. I have called and the claim has been received and it has been under review for well over 4 weeks. I have called and the customer service never has any information or any updates. I want to know what is going on and how long is the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The company is a mortgage dept collector. They are saying I am behind on a payment. I am NOT. They call my home constantly. I have asked about the month they are requesting. They give me different dates all of which I can prove from my bank that the payment came out and they received the funds without any difficulty. They have tried to to foreclose on my home. I got a lawyer who stopped the foreclosure and said I should have never gotten the foreclosure papers. They are adding the fees to my payments. My loan modification was done by a lawyer and approved by the courts. This company that the loan was handed down to seems to not want to comply with my loan or is trying to collect more than is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My bank account was attacked by fraudsters on XX/XX/XXXX using detail only available on an idle Serve account. When I called to cancel my account and request a complaint be filed for data breech, the customer service agent did not know how to address my concern. Instead, he made me repeat my request several times, then transferred me to another line, which kept me on hold for several minutes. I disconnected after more than a a five-minute hold time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fraudulent card opened under my name with the following information. Citibank is not able to find and close the account. It is a case of identity theft. 

A new account has been opened XXXX XXXX, 2017 Address XXXX XXXX XXXX   XXXX XXXX, SD, XXXX Account Balance {$110.00} Account Number XXXX Creditor Name CITICARDS CBNA Industry Type All Banks

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 2023-01-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX  - account number : XXXX Account name : XXXX XXXX XXXX  - account number : XXXX Account name : XXXX. XXXX  XXXX - account number : XXXX Account name : XXXX XXXX XXXX account number : XXXX Account name : XXXX XXXX XXXX XXXX account number : XXXX Account name : XXXX XXXX XXXX  - account number : XXXX Account name XXXX XXXX  - account number : XXXX XXXX accounts have violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states 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 item for 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 explanation
Consumer complaint received 2021-04-04
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage bought my loan from the previous loan servicing company in XX/XX/XXXX. Since then, Freedom mortgage has been collecting payments from me that includes costs for home insurance and property taxes towards my escrow account. On XX/XX/XXXX Freedom mortgage debited {$1000.00} to hazard insurance but my home insurance company has no receipt of payment. Ive had to pay out of pocket to my home insurance company- XXXX- to ensure that my home insurance is paid. I received no notice of any change of home insurance and no correspondence from any other home insurance company. Freedom mortgage essentially stole that money from me and did not comply with paying my home insurance company. They also did the same thing with funds in my escrow account for my property taxes. They debited my account {$6700.00} on XX/XX/XXXX supposedly for my tax property bill. The county of Alameda has no record of receiving payment from Freedom Mortgage. The taxes are due on XX/XX/XXXX and if they are delinquent I will incur hefty percentage fines. The fact that Freedom Mortgage took those funds from my escrow account and have not paid either of those bills has put me into a financial hardship. They have stolen from me and made me have to pay for bills that were supposed to be paid from my escrow account.

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 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Ive noticed a few changes to my credit report where some inaccurate erroneous information was removed and I totally appreciate it but I listed these accounts along with the last dispute and I dont know why they werent removed. The information that I am providing to use is factual information and it isnt an account Ive ever opened or had to my knowledge. This is an internal dispute and I have record on the dispute, phone calls, certified letters and more for court when the time arrives. I am XXXX that I have to continue going through a dispute process because your company is placing errors and inaccurate information on my credit for no apparent reasons and it isnt fair to me at all. Please look in the attachment area to see the letter I attached. Please read carefully and this is my final warning letter to remove the erroneous information off my credit report within 48 hours and no longer.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone keeps trying to open a credit card work my information through Bank of America ( BOA ). BOA keeps running my credit even though I've told them I'm not doing this...

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 2018-07-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX XXXX Nevada XXXX. I noticed on my credit report address in XXXX. I never lived in XXXX just XXXX and XXXX XXXX XXXX. Please delete any and all XXXX addresses from my credit file.

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 2019-08-28
Company: Gold Star Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX at Gold Star Finance keeps calling and coming to my home and harrassing my friends and family also. I have repeatedly told her that I had XXXX for XXXX XXXX  XXXX and that as soon as I was back to work I would pay her. It is a small {$200.00} to {$300.00} loan. I have asked them to stop calling and coming to my house and they continue to do so. I cant even go in my front yard for fear of them stopping by.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Freedom Mortgage Company
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:
Freedom Mortgage continues to FAIL to update their system with my correct contact information. I have received ZERO correspondences that they claim to have sent to me in response to my written requests because these notices are only going to the primary borrower 's physical address that I am not affiliated with. I have begged and pleaded with Freedom Mortgage since XX/XX/XXXXto update my contact information as the secondary account holder to no avail. It has come to my attention from XXXX XXXX that NONE of these mailings are coming to my attention and my request for address updates have repeatedly been ignored, which has consequently damaged my credit report. XXXX XXXX, please update my contact information with your files, and send written responses to my requests to the address that I have provided to your company numerous times. As a consumer I have the right to information on this account and limiting my access to information on the service of this account has cause a great deal of unfair credit reporting. Inaccurate contact information for me does not allow to be aware of or allow me any opportunities to address any discrepancies on the account. The Fair Credit Reporting Act ( FCRA ) is a federal law that protects me as a consumer from unfair practices and credit mishandling.

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 2023-01-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland collected and garnished my wages once before, without serving me properly or attempting to meet face to face in court.

Then they have threatened and contacted my employer first with the same judgement they use the first time to garnish my wages, and now is threatening with garnishing my wages again after I agree to make monthly payments until the debt is satisfied.

They still have not served me with court documents to appear in court. Midland wants to garnished wages from employment when I can't even keep up with regular bills. 

The thread of garnishing my wages have me in a state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$870.00} ; XXXX XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage closed in XXXX with XXXX XXXX of New Jersey. It was then bought by Countrywide Mortgage that is Now Bank of America Mortgage. The loan amount was {$100000.00}. 

In or around XXXX, Countrywide used a predatory lending practice on my account by refusing my payments. I contacted the company to rectify the issue and they were forcing me to loose my house. Because of my family situation, I couldn't allow to loose my house. I provided them we that information. They used the information against me and put more pressure that I am going to loose my house. While contacting higher in their organizational hierarchy, they contacted my e-mail provider and requested for my e-mail to be shut down and it happened. 

I continue corresponding with a snail mail. After long negotiation, we agreed that I pay the arrears and they will put my account current and continue with the mortgage. I paid the sum of more than {$8500.00} to get my account current and I paid for 2 years above the normal payments needed to rectify the issue. 

Instead of honoring the agreement the company added {$19000.00} to the principal. That brought the principal to {$120000.00} from {$100000.00} and they took my {$8500.00} and did not show where it was applied to in my account. 

Again, with a family of XXXX and wanting to make sure that the standard of living does not deteriorate, I contacted and informed they company of the problems with positive solution. 
When Countrywide Mortgage failed and Bank of America took over, I contacted Bank of America about the ordeal. There were few exchanges and no proper solution. This has been going on all the time.

I have tried to refinance my mortgages more than 4 times, including with Bank of America itself, and every time I try the predatory practice that was put in place by Countrywide now Bank of America would cause my loan to be rejected and I could not refinance.

About two month ago, I contacted the company ( Bank of America Mortgage ) again for solution. They replied twice and stop replying to my correspondence.

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 2023-05-15
Company: ERC
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:
Accounts in collections from original creditors XXXX now reporting from Enhanced Creditors Company. It has an open balance of {$350.00} and is reporting to XXXX. I have tried numerous attempts to remove. I have contacted original creditors XXXX, but nothing has been done about this. This account does not belong to me. I've explained on several occasions that this account does not belong to me and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Finance System of Richmond, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After checking my credit report I noticed an account reporting my medical information on XXXX, XXXX and XXXX with a opened date of XXXX XXXX in the amount of $ XXXX.I believe this company is violating my HIPPA rights because I did not sign a HIPPA release form or give them verbal consent to access my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
i had XXXX 2 times taken outta my account not authorized by me. i went to a branch in XXXX XXXX an a lead lady helped me i tried give her police report an she did not take it she did refuse an stated that its my fault that i gave caller my acct. information, shes a lier i never ever gave anyone my acct. information. so i went to celebration branch an XXXX took my police report an submitted report to bank, an they continue to refuse paying me back my XXXX XXXX XXXX was the one at first bank who continues to repeat to me that i gave my information, im sorry but yes she is a lier. she hurt me bad.this is regions bank an yes i left them to go to XXXX XXXX XXXX XXXX a great bank.

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