BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: BB&T CORPORATION
State: MD
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:
Hard inquires ran without consent

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 2018-07-25
Company: LJ Ross Associates
State: IL
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 have disputed this entry with both the credit bureaus and LJ Ross Associates alike. In my letter dated XX/XX/2018, I specifically disputed the inaccuracy of this account with LJ Ross. I never entered into a contractual agreement with this company whereby I would have had terms of 1 month with them. Additionally, due to this entry not being a data factoring account, there should be no payment history attached. Why would only 2 months of payment history be reported? LJ Ross never responded to my request and therefore did not substantiate the validity of the data they reporting negligently. To that end, this entry must be deleted immediately from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was a fraud account transfer from my checking account for a total of {$350.00}. The app used was XXXX XXXX app. I tried to contact the person ( XXXX XXXX ) whom the money was transferred to and they immediately blocked my number after withdrawing the funds. I immediately called XXXX XXXX App but they asked me to call my Bank to dispute it. I called my Bank ( PNC ). They took more than 8 weeks and denied my claim and charged me Overdraft Fees ( {$72.00} ). Either XXXX XXXX could have called the person ( XXXX XXXX ) and resolved ot my bank ( PNC ) would have done a proper investigation. Instead PNC charged me overdraft fees and failed to do a proper investigation. Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC I want XXXX and PNC to investigate the fraud with the person XXXX XXXX and refund me the total {$350.00} + {$72.00} = $ {$420.00} Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC Information about the app : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX is a mobile payment service developed by XXXX XXXX, allowing users to transfer money to one another using a mobile phone app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I looked up my my bank account saw charges thats I did not recognize I call the bank citizen bank dispute all the charges ranging from XXXX XXXX {$500.00} all total {$30000.00} thats from my personal account my business account was {$6200.00} all charges was from same company they said they gone investigate they refunded my business account money {$6200.00} but they refusing refund my money from my personal account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a notice from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX, Telephone Number XXXX, website : XXXX  executed by XXXX XXXX, Division Manager. The letter references an original creditor with the name " XXXX XXXX XXXX XXXX '' Original Account NoXXXX XXXX, MCM Account No. XXXX, Current Balance {$490.00}, Current Owner XXXX XXXX XXXX

I have never had a mortgage or any other type of loan with either " XXXX XXXX '' or " XXXX XXXX '' This is an attempt to scam me into paying a debt that I do not now, nor have I ever, owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: BANK OF THE WEST
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to establish an account with XXXX XXXX. While reviewing his credit reports he found an account from XXXX with Bank of the West ( BOW ). In an effort to obtain information about this account an official debt validation letter was mailed to BOW XX/XX/XXXX, certified mail with return receipt XXXX XXXX XXXX XXXX XXXX and was delivered to BOW and signed for XX/XX/XXXX at XXXX XXXX. XXXX never sent a reply or any account disclosure information to my client concerning the reported account. A credit report obtained XX/XX/XXXX shows the BOW account stuill being reported to XXXX and XXXX. This action is a violation of both FCRA and FDCPA consumer law by BOW.

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused 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 explanation
Consumer complaint received 2022-12-26
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account has been closed since XX/XX/2019. They purchased the debt from another company by the name of XXXX. I told them it was illegal to report false information on my credit report and the balance was wrong. They keep increasing the amount of money that I owe them on my report but the account is closed. The debt in question is from WORLD FINANCE CORPORATIO XXXX XXXX XXXX XXXX, SC XXXX for the amount of {$1100.00}. They will not produce the original loan documents to that I signed. I asked for a debt validation letter and they keep sending me generic responses that reads the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Home Point Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my scheduled payment on XX/XX/2018 and paid the full amount to my mortgage lender, Home Point Financial. This was my third payment to them, as my mortgage was recently sold to them. Later in the month ( about two weeks later ), I received a modified escrow schedule. The schedule states that based on Home Point Financial 's Analysis, my payment will need to be increased about {$160.00} per month and the company " likes to keep a reserve in escrow of {$520.00}. '' It clearly stated this was not a bill. I received another such notice within about a week and this time the monthly estimated increase in payment was about {$150.00}. 

On XX/XX/2018, I received a letter informing me I was {$160.00} delinquent on my account for XX/XX/XXXX and threatened with collections. For the past week before, I had received calls every day from Home Point Financial where no message was left. On XX/XX/2018, I received a phone call informing me I was delinquent on the account and a woman telling me she wanted me to pay right now. I informed her I was looking into the matter and was in the process of making payment. She then threatened to send this to collections if it went due past 30 days. 

This prompted me to call Home Point 's customer service. I was told the balance showed XXXX on one screen and that I owed {$160.00} on another. The representative stated " well you have 60 days anytime your mortgage is new for payment so it's not an issue. '' She then attempted to collect the money and I asked about the authorization for the escrow reserve which was never granted by me. She sent me to escalations and I spoke with another gentleman. He advised the analysis on my account for escrow should not have ever been run and my payment should not have changed. He confirmed that if it had been changed, I would have had 60 days advanced notice. He said he would try to set my payment back to what it was and I would need to check to make sure the XX/XX/XXXX payment ( which I was told was held and not applied ) had gone through in a couple of days. 

I sent a message to customer service again inquiring as to the authorization for the escrow reserve and a better explanation of the analysis which was run on my account when it shouldn't have been. All I was told was they saw I spoke with someone on the phone and they " apologized for any inconvenience. '' So they make a mistake, demand more money and not notify me until long after my payment was made that I owe them for a large escrow reserve I never agreed to. On top of that, they then harass and threaten me with collections for their mistake???? This is not an acceptable business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: NAVY FEDERAL CREDIT UNION
State: NV
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 investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : NAVY FEDERAL CR UNION XXXX ...... Date Opened XX/XX/2017 XXXX {$1900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately 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 explanation
Consumer complaint received 2023-06-16
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had been receiving unemployment funds from the state of Michigan and up until XX/XX/2020, my daughter would withdraw the funds and give these to me. Upon a security review, PNC had been made aware that the funds were supposed to be debited to me, XXXX XXXX, however, the name on the bank account was XXXX XXXX. I have not been able to receive the deposit of {$2400.00} that unemployment sent to me because PNC subsequently closed the account for the review, however, still allowed deposits to come through. I received all funds for which every deposit had been made except for the deposit of {$2400.00}. My daughter has made several claims against PNC and after an initial claim they stated unemployment needed to call and request the funds back and after an additional claim, PNC stated we politely decline to return the funds. These funds need to be returned immediately as it has been over 3 years since that deposit was made. Unemployment stated that they reached out to PNC to request the funds back and have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX has not provided any written or signed documentation showing I was aware that the account was no longer in forbearance and that the past due amount would report only at 90  days of delinquency. This credit did not report any a delinquency until the account was 3 months behind and no longer in forbearance. This lender has updated the status but did not remove the negative marking from any of the credit reports and I have requested this to be removed 3 times.

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 2019-07-30
Company: Navient Solutions, LLC.
State: VA
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:
Navient has not provided any written or signed documentation showing I was aware that the account was no longer in forbearance and that the past due amount would report only at 90 days of delinquency. This credit did not report any a delinquency until the account was 3 months behind and no longer in forbearance. This lender has updated the status but did not remove the negative marking from any of the credit reports and I have requested this to be removed 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had taken an insurance policy out on my XXXX XXXX XXXX through XXXX. I spoke with an agent during this process at which time I inquired if I could cancel the policy at any time and was told I was able to do so. They have attempted to retrieve the remainder of the policy amount after cancellation with them back in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: PA
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 asking to provide me with verification of documents that clearly identified that the following collections accounts belong to me. I am asking you to get the correct documents. I have reached out to all of the following collection agencies and every one of them sent me one bill that it appears to be from a creditor that doesn't list anything but my name on them. That is it. It doesn't show a social security number, a contract or anything showing that I opened these accounts. Credit Reporting agencies are required to report factual information only. The reporting of non factual information is against the law. Please, Please provide me verification of these documents truly belong to me a I am getting nothing from these agencies but a bill with my name on it. That is unacceptable. If you can not get what I am begging you to get, please remove this information from my credit reports. I request this information for the following : 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 xxxxxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Good Afternoon and happy Friday! Listen, i was really shocked and extremely surprised today when i refresh my credit report and noticed that my auto loan from Santander continues to report incomplete and unverifiable information for the past year or more. Specifically, i noticed that they are reporting an incorrect, erroneous balance of {$16000.00}, where my correct and legal balance is {$15000.00}. Also, i noticed that they market me late on XXXX and XXXX of 2019 for 30 days, however, i had signed an agreement that those months were deferred and put on the back of the loan and make the terms longer. There are so many incorrect and inconsistencies with the way this auto loan is reporting and it's a violation towards my consumer right and i honestly don't want to waste anyone 's time going back and forth. I would rather either this account made current removing all the late remarks or simply remove this entire tradeline from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Begun to seek a review for loss mitigation of any kind to bring my loan current and Selene Financial employees are inadequate. This is a very stressful process and when the servicer of your loan is contridicting themselves and keep asking for documents you have already sent, it needs to brought to higher attention, I initiated a review the week of XX/XX/XXXX. Upon the review, I was advised to send in outstanding docs. 
Advised by supervisor to send in outstanding docs : Husband contribution letter ( I am not receiving income ) His bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All of his expenses Sent in everything on XX/XX/XXXX XX/XX/XXXX supervisor advises outstanding docs : Contributor needs to sign the application Profit and Loss statetement for contributor since he receives a XXXX ( independent contractor XX/XX/XXXX statment ( supervisor verified XX/XX/XXXX and XX/XX/XXXX on fille ) Sent everything in XX/XX/XXXX Called in to Selene Financial to be updated on review, supervisor ( XXXX ) again tells me about outstanding documents : Letter from me indicating I am not receiving income Husbands XX/XX/XXXX tax returns XX/XX/XXXX statement ... sent in XX/XX/XXXX Called today XX/XX/XXXX and was advised by one representative my husband income would not qualify as a contributor!!! 
Supervisor ( XXXX ) wouldn't confirm or even verify all docs that have been asked for up until this point have been received. 

Spoke to XXXX ... she verified all docs had been recieved on XX/XX/XXXX. 
She advised me I have not given them to review the packet. I asked what was the time frame of documents being reviewed. She advised 2-3 days and I had not given them time to review. Today is XX/XX/XXXX. Its been almost two weeks since I sent in what was requested In the meantime, the last bank statement expired on XX/XX/XXXX. 

I am believing the review is being conducted by several underwriters that is not looking at the whole picture of all doc requested. Its too many hands on this one loan. My heart goes out to anyone else in this situation. The package, according to what as been asked, seems to have been completed since XX/XX/XXXX. My loan is becoming more deliquent each month. I will not loose my house because of anything I done wrong. I have complied with this company and request for the modification.

Company response to consumer: Closed with explanation