BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently transferred from XXXX XXXX to PNC Bank. My property is in a flood zone and requires flood insurance as outlined in my mortgage agreement. PNC Bank failed to send the renewal fee for my insurance, causing the cancellation of the policy. The fee was due XX/XX/XXXX and the check from PNC Bank was received by the insurance agency on XX/XX/XXXX. PNC Bank never reached out to me to alert me of the insurance cancellation or let me know I was no longer covered, instead they put their own policy in place without my consent, which is double the cost of my previous policy and sent me a letter with this information on XX/XX/XXXX. They also increased my XXXX escrow payments to cover this increased flood insurance cost that I never approved. 

My insurance agency reached out to me to let me know what had happened and created a new policy for me that started XX/XX/XXXX. I called PNC Bank to let them know that XXXX. They defaulted on the agreed terms of my mortgage agreement XXXX. They attempted to defraud me by intentionally allowing my preferred policy to lapse and then requiring me to adopt their in house policy that was double the cost and XXXX. Never contacting me to admit their failure or obtain my consent to change the agreement. The bank refuses to take any responsibility and also refuses to remove the charges I incurred between the first policy being cancelled and the policy being reinstated ( XX/XX/XXXX to XX/XX/XXXX ), even though they never contact me by phone or mail to address the problem they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have NO knowledge of this medical debt??!!! 
checked with my medical insurance and they have nothing pertianing to this alleged debt. 

i request this be removed immediately from AR resources i have been anable to reach them via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received this letter that is attached from National Credit Systems after sending a request for them to validate the alleged debt to them. They claim that they did not receive sufficient information to validate my " dispute '' or more so my debt validation letter. I have provided both my name and my address which should be more than enough for them to locate any file of an alleged debt that they may have in their system. They also stated that they are a third party debt collection agency and their efforts are solely on behalf of the current creditor, who has previously validated the alleged debt. Pursuant to 15 USC 1692g once a consumer notifies a debt collector in writing that they are disputing the alleged debt the debt collector must cease the collection of the alleged debt and obtain verification which should then be mailed to the consumer within 30 days. National Credit Systems has failed to do so. Under 15 USC 1692 a debt collector is defined as ANY person who uses ANY instrumentality of interstate commerce or the mail in any business the principle purpose of which is the collection of any debts, or who regularly collects or attempts to collect. This means that the original creditor that National Credit Systems has claimed they are collecting on behalf of is also a debt collector. TWO DEBT COLLECTORS CAN NOT HOLD THE SAME DEBT, THAT IS AN ACT OF CONSTRUCTIVE FRAUD. So, my question is who owns this alleged debt? 

Being that National Credit Systems is the one who is actively trying to collect on this alleged debt clearly means that they were responsible for answering and providing the following : 1. Signed agreement debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

2. Was this debt assigned to a debt collector or purchased?

3. Amount that was paid if debt was purchased.

4. Date of original charge or delinquency Since they have failed to provide any of this information and they have clearly missed the 30 day mark that was granted to them for providing this information for this alleged date. As a consumer I am seeking the following remedies : 1. All references to this account be deleted and completely removed from my credit file.

2. A copy of such deletion request be mailed to me immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went into the dealership with a pre approval from XXXX XXXX XXXX  the Make that was helping I gave the pre approval and stated this is the only company I would like my credit pulled from since I already had an approval. XXXX and his boss assured me that they would only pull from XXXX XXXX XXXX but when left I started to get a bunch of inquiries. I did not authorize XXXX to pull my credit from all the companies they pulled from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I don't recognize this information. It does not belong 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 2018-04-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Since I have had the loan, almost 10 years, I have always paid on time without a hitch. In the recent months I fell behind and missed a payment. The first in 10 years. I have tried to work with them to lower the payment or have a temporary forbearance and Navient advises they dont do that. They said they dont offer any assistance with payment issues. I tried to work with them ti bring my account current and I even made a roll back payment. I was told that would give me 30 days to make another payment. Since I started to make an effort to work with Navient I have gotten several calls a day. Sometimes more then 10 calls a day back to back. Even after the roll back payment. I asked them to cease and disist but they refused. I want proper action taken against Navient as practices like theirs are illegal and go against consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2022-12-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My checks were altered do to mail fraud .td bank made me wait for 4 months and then sent letter refusing to refund money. The police have report. This is genuine fraud which is no fault of mine. This is serious matter and has happened to many other people. XXXX cam supply letters and copy of my altered checks. Police even said its fraud. This is a disgrace that td bank makes there customers suffer when this is clearly there problem for excepting and cashing 2 checks. I appreciate anything thar can be done.i again would be happy to supply my info and copies of bank report. I am genuinely being ripped off by td bank and being taken advantage of. Thank you for your attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Chases are not taking the Care Acts into consideration. This Covid Pandemic is not the U.SXXXX fault. Healthcare workers are volunteering and all this needs to be taken into consideration. I have been out of work from XX/XX/XXXX until XX/XX/XXXX due to Covid, I am a XXXX worker, in the XXXX XXXX XXXX field aka XXXX technologist. I reside in North Carolina, I have informed Chase, times I am not working since XX/XX/XXXX. I informed them I was receiving employment but only {$400.00} a month. I informed Chase I can only afford {$20.00} amount until I get employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was applying for a mortgage with Mr. Cooper who pulled all my credit reports and changed my information on my credit report. They for some reason updated my residential address and inserted my office. I contacted them on various occasions to correct this and they have simply ignored my request. This has caused me major problems as I am getting other quotes and now have to spend hours and days on the phone trying to correct this issue with all three agencies. They were very quick to call and follow up when they were trying to get my business, and now, just ignore my requests after messing up my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I never was late on this account. I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FCO ( fair COLLECTIONS and outsourcing ) has a debt on my credit report that is not mine. I have filed disputes against them and have had it taken off my credit reports many times due to no actual contract between myself and FCO. And it keeps popping back up under either a new kind of debt ( revolving credit, loan ) or a new start date. This is clearly illegal and unethical and I want this item removed from all credit reporting agencies permanently as suggested by my lawyer to do so after they were shown how FCO is getting around the process at the credit agencies. Clearly they have been hit with lawsuits in Washington DC   for similar reasons. I was never brought to court about this ridiculous amount of {$2300.00}. Or given a chance by FCO to dispute before put into collection. Nor have I been given proof that I have signed any kind of contract with them for them to come after me for a 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 2020-06-23
Company: Bread Financial Holdings, Inc.
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:
We went on a vacation to the XXXX XXXX, they forged our signatures for a membership to their vacation resort. We called Comenity Capital Bank ( XXXX XXXX  ) and told them we did not approve of the charge. When we got back to the US, we received credit cards from Comenity saying we owed {$24000.00}. {$12000.00} on credit card in my name and {$12000.00} on a credit card in my husband 's name. We called the company and told them we already told them we did not approve and they reported they had no log of our phone call. We again stated we did not approve of this transaction and that it was fraud. They reported they could find no basis to support our claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients.

Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. The account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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:
Delete Hard Inquiries ASAP

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 2019-10-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had been having unexpected expenses between XXXX and XX/XX/2019 due to an illness and medical bills.I had overdrafted about 6 times during that period. Since I receive a monthly pension automatic deposit of {$5800.00} on the XXXX of every month and an automatic deposit of {$940.00} on the XXXX and another {$940.00} on the XXXX of each month from a part time job I usually have enough funds to cover any overdrafts during an emergency or period of extra monthly expenses. So I was billed {$35.00} in overdraft fees for about 6 times during this period. That's about {$210.00} in overdraft fees which I expected to incur and which I could make up with the funds coming in the following month. Well 's Fargo has a policy of permitting up to 3 overdrafts transactions per day with a {$35.00} overdraft charge per each transaction. They also have a policy of not charging an overdraft fee if the transactions occur within 24 hours of an automatic deposit and a policy of approving the transaction if an automatic deposit is scheduled to be deposited within 24 hours. However on XX/XX/2019 a {$240.00} transaction for XXXX XXXX   was declined at XXXX mst even though the next day was XX/XX/XXXX and an automatic deposit of {$5800.00} was scheduled within 24 hours, It is suspicious that when it was not advantageous for Wells Fargo to collect their {$35.00} overdraft fee they simply denied the transaction in direct violation of what they advertised their policy is. This is false advertising. When I called and complained they simply said it is at the discretion of a computer and not guaranteed. It appears that it is only guaranteed they will approve an overdraft transaction if they can charge a {$35.00} overdraft fee but if the overdraft transaction occurs with 24 hours of a direct deposit and they can not charge a {$35.00} overdraft fee they decline the transaction in direct violation of their advertised 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 2020-06-23
Company: Specialized Loan Servicing Holdings LLC
State: OR
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:
My wife and I have been trying to get a hold of Specialized Loan Servicing from XX/XX/2020 up to the current date XX/XX/2020 after calling and being on the phone for more than 40 minutes on with an automatic service being transferred from one place to another without being able to speak with an actual person, leaving a call back number, emails. also having a third party to contact them on XX/XX/2020 throughout the entire day no response. I have exhausted all forms in order to get a hold of them with my concerns on my mortgage I have also filed a complaint with the XXXX  on XX/XX/2020 for this matter in hopes of some type of resolution but I have not yet gotten a callback. It has been a nightmare dealing with this mortgage company.

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 2023-04-25
Company: EQUIFAX, 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:
My name is XXXX 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 XXXX 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 explanation
Consumer complaint received 2019-10-02
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation