BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-02
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX and Equifax are showing my credit score as XXXX, when it should be the same as XXXX  at XXXX. My personal info has been breached with Equifax and I have attached a copy of the claim. It appears to be a clerical error as my credit reports are identical with XXXX. The score with Equifax is erroneous without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just opened a an installment account with jc penney I made my first 2 pmts which were stopped by XXXX because of an old fraud hold which was not removed after the first stopped payment.The jc penney account was cancelled because of the SECOND STOP.As a result of XXXX direct negligence my credit was adversly affected The account was reported closed and an inquiry was recorded. 
JCpenney requested i contact XXXX and clarify the situation but to no avail XXXX would not correct the matter

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 2019-10-09
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/19 my friend shipped boxes from my address with XXXX XXXX. to his new address.Since my address was used the bill came to me. I tried to resolve it with XXXX but I was told i couldn't change it since it was billed to me. XXXX tried to resolve it with them but he was also getting priced gouged, so they weren't working with him very much. He shipped XXXX XXXX '' x XXXX '' boxes for {$2300.00}, this was from PA to OR. The collection agency is still send me bills even though XXXX told me he resolved it with 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 2021-10-15
Company: FirstPoint Collection Resources
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First Point Collections Resources is in violation of the Hippa Law and the Fair Credit reporting Act. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. I received a summary of charges listing medical record number, XXXX, XXXX  and type of XXXX as validation of debt from them. First Point Collections is purposely causing me mental and emotional stress by having procession of my medical information, that can be seen by any their employees at any time and intentionally destroying my credit by placing 12 accounts on my XXXX report. I have included all certified letters sent to them. Along with final letter received by them on XX/XX/2021 requesting Any agreement with their client XXXX XXXX XXXX XXXX XXXX that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; AND SEC. 1340 ( 1 ) BREACH OF SECURITY. And a copy of any HIPAA authorization. Their response was to continue to send me documents that clearly violates the HIPPA Law. First Point Collections has left me choice but to file complaints to the organizations that are in place to protect the rights of the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX, account number XXXX, I have disputed this with Experian and collection 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 2019-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have had the loans forgiven due to as of XX/XX/XXXX becoming XXXX XXXX. 

XXXX has made all the adjustments but I dont see it here with you TransUnion. 

Can you please help with seeing that it has been applied to my report. 

I can be reached at+XXXX or XXXX XXXX XXXX XXXX XXXX , NC XXXX Thank you XXXX XXXX Balance Decrease DEPT OF ED/XXXX + Balance Decreased by {$95.00} DEPT OF ED/XXXX  + Balance Decreased by {$1800.00} DEPT OF ED/XXXX  + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$1200.00} DEPT OF ED/XXXX  + Balance Decreased by {$5100.00} DEPT OF ED/XXXX + Balance Decreased by {$1100.00} DEPT OF ED/XXXX  + Balance Decreased by {$4000.00} DEPT OF ED/XXXX  + Balance Decreased by {$4100.00} Updated Account Information DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From 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 2019-06-21
Company: Experian Information Solutions 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:
XXXX XXXX XXXX erroneously reported a collection on my report that belongs to someone else. I filed a complaint via CFPB. Upon investigating the complaint, XXXX  XXXX XXXX admitted the information is not mine and agreed to delete ALL collection reporting from ALL credit bureaus. As of today, XX/XX/2019, the collection is still reporting to Experian. I have opened several disputes with Experian directly. I have attached the CFPB complaint and outcome to the disputes. Experian refuses to delete the inaccurate information.

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 2021-10-15
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage payment went up after only making our first 4 monthly payments. Amerisave Mortgage said we were short on escrow? How we just got the loan in XX/XX/XXXX first payment made XX/XX/2021 After all the approvals, underwriting, finance charges HOW could our payment go from $ 704 monthly to now as of XX/XX/XXXX it is now {$870.00} a month. 
We were suppose to be saving money. Our new payment is more than the old mortgage payment before we refinanced. 
Something isn't right. Amerisave will not contact us.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from debt collector, XXXX. I called XXXX because I am in complete disagreement that I owe any debt. XXXX told me that they had no information regarding the debt other than they were directed to collect the debt. The debt description was " XXXX '' on the letter, I called XXXX to research and understand the debt. XXXX went through their records and found that I have NEVER owed any money to XXXX, there has never been any debt owed from me to XXXX. So I called Jefferson Capital who claimed to have purchased the debt from XXXX and then redirected the debt to XXXX. Jefferson Capital was adamant that I owed them the debt and that regardless what XXXX said, my debt had been sold to Jefferson Capital. Jefferson Capital claims they sent me a letter in XX/XX/2021 to collect the debt and I never responded. So now in XX/XX/2021 I received a letter from XXXX to collect the debt. I immediately reached out to XXXX to understand what the debt was all about. 
I completely disagree with this debt and collection - I have no credit with XXXX, never have. I believe Jefferson Capital is acting fraudulently claiming I owe debt that I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: JPMORGAN CHASE & CO.
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:
Hi my name is XXXX XXXX XXXX I've been working on a stock market for 2 years a little over 2 years and when the pandemic was getting everybody scared to death we were told to stay in our homes and work became a thing of the past a new virus was killing our world after surviving it and during surviving it I became bored of XXXX  and food so I wanted to I guess make a living so I hit this I tried to stock market and I never looked back but to get my money my earnings from Big banks that stole My money and other people cover up their tracks and make fake reports and stuff but just the system is always good there's a lot of people probably going to go to jail behind us I really feel bad

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: IL
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 have spoken to both Equifax and XXXX XXXX regarding some accounts that are reporting in error on my credit report. They have refused to provide the requested information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have requested numerous times for the company to stop contacting me but they continue to call and call me names and harrass me saying that I need an attorney. XXXX XXXX is the last representative that I spoke with.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-30
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a Smart Access checking account with PNC Bank. The account number is XXXX. 
Unfortunately, PNC, habitually refuses to follow Federal, State, and their own guidelines in handling my account. 
Approximately three weeks ago I reviewed my statement and there were multiple debits from vendors I had never heard of. 
Typically when this occurs I ask the Bank for a contact number for the vendor as it is typically more expeditious to contact the vendor directly and advise them the particular charge was unauthorized and the vendor contact the Bank. 
On this occasion I was told by PNC 's charge authorization department they were unable to notify me of any contact information regarding the multiple vendors and multiple unauthorized debits, but I would receive documentation for me to sign within 48 hours and a replacement VISA Debit card within 14 days. 
It has been over three weeks and I have received nothing from PNC and when I review my account on line there is a negative balance still reflected because of all the unauthorized transactions! This in and of itself negatively effects my credit worthiness as if I were to go to a different financial institution to open a checking account without all the chronic problems I have had with PNC, the fact that they are reporting a negative balance on unauthorized transactions which the Bank has known about for greater than 3 weeks prevents me from switching to an institution that does not chronically violate Federal and State law, and also their own written rules issued when I opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid off years ago. I was informed this would removed from My credit once paid in full however still remains on my credit report. This Negative account is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Servatus Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collections account was reported to the credit bureaus in the amount of {$450.00}. I sent proof to the collection agency that the account was paid in full a year earlier, however, I have still not received confirmation that the derogatory and patently false notation would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: EQUIFAX, INC.
State: TX
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgagor, XXXX XXXX NEW REZ Loan Number XXXX The XXXX mtg statement includes a {$3600.00} in legal fee charges that were already paid when I stopped the Notice of Default and foreclosure proceedings, when I brought my loan current after falling behind on my payments. My account was re-instated and brought current with XXXX, mortgage company at that time. On Thursday the XXXX, it was confirmed by a New Rez customer service agent, the aforementioned charge is due to unpaid legal fees. I find it suspicious that XXXX, in any form or way, failed to informed me of the aforementioned, specially when any fees relating to the default were were paid in full. Is this legal? It is my understanding that I paid all monies owed to XXXX in order to bring my account current. To date, payments have been made on time and there should be no reason to have additional legal fees being charged, when everything was paid in 2018. Why are these fees appearing now? Why would XXXX withhold these fees until the loan was transferred to NEW REZ? I find such actions suspicious and merit an investigation by the bank, on the legality of the charges. I refuse to make these payments. The following documents are attached herein : 1 ) copy of the payoff statement 2 ) mortgage statement. 

Please have a XXXX  speaking agent contact me if additional information is needed. Or you can reach me via email Mr. XXXX can be reached at XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied to PNC Bank, NA to refinance our current mortgage on XX/XX/2019 at a promised low-interest rate compared to our current mortgage. We heard from the PNC Bank subsequent to the home appraisal about the refinance. However, the terms have been changed substantially and we fused the loan to refinance under these terms. Then, we received a revised refinance loan-term, in writing, on XX/XX/2019 with a stipulation of a loan closing date of XX/XX/2019. We promptly signed the documents ( copies attached ) on XX/XX/2019 and sent them to the Bank expecting a closing of the loan on or after XX/XX/2019. However, we never heard from the Bank yet. We have spent hundreds of hours pursuing this loan and most importantly, we did not apply to any other Bank at the same time. However, PNC Bank has not lived up to its written agreement to refinance the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I paid {$550.00} to Amerihome Mortgage to appraise my primary residence.

The purpose of the appraisal was to remove $ XXXX monthly private mortgage insurance ( PMI ) payments.

At issue, the third party vendor, appraiser, reduced the gross living area ( GLA ) of my house by 102 square feet from 2896 to 2794 square feet. All prior appraisals consistently measured the house to be 2896 square feet. When I asked why the negative 102 variance all the sudden, the answer that I received was that 102 square feet is within market variance.

Because of this 102 variance, my LTV is at 76.3 % rather than 73.7 % that would qualify me for PMI removal defined as 75 % LTV or less At this point, I have to pay {$5200.00} to Amerihome for PMI removal. I have filed three appeals but Amerihome nor the appraiser are willing to make revisions to my LTV.

I suspect that AmeriHome mortgage company is colluding with the appraiser by 1. purposefully reducing my GLA to attain a lower home value in order to disqualify me for PMI removal. The reality is that if the correct GLA is applied, PMI will be removed without paying {$5200.00} to Amerihome.

Amerihome has refused to entertain any revisions to my home value in light of this egregious inconsistency between their appraisal practices and previous ones. My only option is to appeal to you to investigate this unfair practice designed to keep customers stuck with PMI in perpetuity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I did a money transfer using Western Union from my personal savings account through XXXX. 

I received a MTCN number from XXXX saying my money is been released and I could pick it up. I am currently on travel in Texas. 

I have completed this action before without any problems. However, Western Union is asking for additional verification and a copy of my identification to be sent to their offices. My financial institution knows it is me-i then asked a Western Union to cancel the transaction-but they refused indicating I still had to provide identification. 
I want to cancel this transaction in its entirety under MTCN # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a loan that was being serviced by XXXX XXXX. In XX/XX/XXXX they paid XXXX XXXX out of my escrow account {$4400.00}. I secured a new policy with XXXX XXXX in XX/XX/XXXX for {$3700.00}. Since XXXX had paid XXXX, I paid XXXX XXXX Directly and cancelled the XXXX policy who sent the refund to me. I kept the refund from XXXX because I paid XXXX XXXX and knew that it would all balance in the end. XXXX was listed as the Mortgage company on the XXXX XXXX Policy so I assumed that XXXX XXXX sent XXXX a copy. When the XXXX XXXX policy renewed XX/XX/XXXX XXXX XXXX was paid again by drafting my Checking account. 
But XXXX placed force coverage with XXXX XXXX XXXX XXXX from XX/XX/XXXX until they sent the request for the coverage to be cancelled XX/XX/XXXX. We became aware of this when I received a letter from Shellpoint that they have placed force coverage on my home. I called Shellpoint and asked why did not XXXX send over the XXXX XXXX policy when the loan was transferred. They said they did not know but if I have insurance, they will remove the forced place insurance when I send the proof. Which I did XX/XX/XXXX. Then I asked my wife do we have any mail from XXXX she handed me the letters from XXXX requesting the cancellation of lender-placed insurance to XXXX XXXX XXXX. I tried to call XXXX and got a message that said that they are no-longer accepting phone calls since they have sold all their assets. I then called XXXX XXXX XXXX XXXX and after speaking with them I forward all the proof of home coverage to them. They said that they would resend the coverage and send they refund to XXXX. I asked why you would do that ; if they are closed and transferred my loan to Shellpoint Mortgage. They basically said that who placed the insurance and that is who the refund would go to. I called Shellpoint again about this and was told that I had to take it up with XXXX. I tried to explain to them that the letter said they would be able to answer all my questions after XX/XX/XXXX. I have attached a copy of that letter for your records. I am concerned because we are talking about {$3300.00} refund that should go back to my escrow account since it was paid out of my escrow account. I have attached a copy of the last statement from XXXX that shows the escrow account was for taxes and insurance and that they were paying the lender-place coverage each month in the amount of {$330.00}. ( I am attaching a copy of the XX/XX/XXXX statement ). I believe that someone needs to make me whole again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation