BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-13
Company: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have mortgage with PNC Bank for my condo in DC. After making a regular mortgage payment onXX/XX/XXXX, I made an additional payment of {$24000.00} on XX/XX/XXXX that should all have been applied towards principal. However, instead the payment was considered a regular payment for the payment due on XX/XX/XXXX and thus, only the amount in excess of the regular payment was applied towards the principal. I contacted PNC and after a few phone calls the issue was fixed on XX/XX/XXXX almost a month after the incident.

During my call with a PNC representative, I asked them what can I do to ensure that if I make an extra payment the entire amount gets applied towards the principal. They gave me a phone number to contact. On XX/XX/XXXX, I called the phone number and I paid a {$7.00} fee to make a {$10000.00} additional payment towards the principal. During my phone conversation, I was notified that they can not process a phone payment by phone that is {$10000.00} or more and instead they will have to break it up in two payments but that they could process it in such a way that the entire amount will be applied towards the principal. When I looked at the payment history, I discovered that out of the {$10000.00} payment only {$1000.00} was applied to principal and the remaining {$9000.00} was applied to " OTHER. '' After I discovered this issue, I called again and I was notified that they made a mistake and they will work on fixing the issue but currently, the {$9000.00} payment is PNC possession and has not been applied towards the principal on my mortgage.

When I talked to a PNC representative about two weeks ago during my first call with them regarding the PNC misapplying the extra payment, I also indicated that I would like to know what is the process to remove the PMI payment if my property has appreciated. They indicated that they will send me the information regarding their pre-approved appraisers. However, I have yet to receive such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2019 {$420.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I tried to communicate with the above company but the representative was argumentative when I tried to explain I never received any notice about this or chance to dispute this before it went on my credit report. The representative demanded rudely I must pay or else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: BOEING EMPLOYEES CREDIT UNION
State: MI
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 Lost my debit card and was charged a overdraft fee but I didnt use the account so I never noticed it was closed or used as I didnt keep much money in that account. Well it was closed and sent to XXXX XXXX saying I owe. I paid in full with the acknowledgment it would be deleted from XXXX XXXX XXXX  once paid in full. so not only is it not my account I also paid the account and its still showing up which is hindering me from opening a new bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.

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 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I XXXX XXXX have a credit card with XXXX XXXX I have reached to them they have reached out trans union about the fact I have an authorized use my husband XXXX XXXX on my card but I cant get them to report the fact he is an authorized user to his credit

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 2023-04-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent a check to a vendor via mail. Somehow someone else intercepted the check and deposited it via a phone app into their account. after months of filing claims and paperwork the depositing bank has not responded. It is a stolen check and yet I have to pay for both banks failures. This is not acceptable the banks involved are XXXXXXXX XXXX  and Wells Fargo Bank. The check amount is $ XXXX and XXXX has not received a reply back from Wells Fargo XXXX Money was stolen from me and no one will do anything other than send a letter and call it a day. When I spoke with Wells Fargo they informed me that they will not accept any emailed documents and the request need to be in writing. XXXX has sent the information to a different mailing address and has not received a reply. When I follow up with Wells Fargo they say they can not give me any details and I need to speak to XXXX. Round and Round We Go the depositors account did not even have the same name as the check was written out to.

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 2021-07-10
Company: Experian Information Solutions 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:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-05-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XXXX of 2020 an XXXX transaction between myself and a buyer was cancelled but after funds were paid. He, the seller, was refunded the full amount minus the taxes which were collected by XXXX, all transactions via PayPal. 

Subsequently, XXXX was required and obligated, via many calls to representatives confirming this fact, to refund the buyer his sales tax which is their responsibility. 

I, in good faith, refunded the buyer his taxes after months of delay by XXXX. 

In addition, the buyer opened a dispute for funds through his credit card which was tied to PayPal. This put my PayPal account in a negative balance and has since locked me out of the account of which I am still in the negative. 

I refuse to pay this amount twice and take a loss for charges not collected nor refunded to me for this transaction. 

An appeal was sent to PayPal from myself, with proof of my refund to the buyer of the amount in question. {$280.00} PayPal has stated they are not responsible for the balance since the dispute was entered with the buyer 's credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account # XXXX Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. 

I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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, XXXX Account # 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 : Also states a consumer reporting agency can not furnish an account without written instruction or 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 non-monetary relief
Consumer complaint received 2016-03-03
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full yet Professional Placement services has left it " OPEN '' on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am writing this due to non-compliance with the XXXX XXXX and Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law by failing to maintain the accuracy of my personal information. 

I have made several attempts at correcting this matter. They have ignored my request to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Freedom Mortgage Company
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from my new mortgage loan servicer regarding my payment being late. On XX/XX/XXXX I informed the representative that I only get paid once a month and I would pay my bill for both payments I'm behind on the XXXX of this month. I have been still getting calls and today a letter were placed on my property gate for the company stating they haven't been able to reach me. I have spoken with the company and told them my attention to this matter. They still harassed me afterwards.

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 2023-04-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tendered a payment in the form of a negotiable instrument to the CFO XXXX XXXX in the amount of {$180000.00} dated XX/XX/2023 via certified mail # XXXX received XX/XX/2023. I also remitted another negotiable instrument to their remittance department the same time I sent the first to the CFO, also did not receive acknowledgment or receipt of my payment. I followed the laws according to FL Statute Chapter 673 when tendering the negotiable instrument. I did not receive it back, receive credit to my account or received notice that my instrument was incomplete. I instructed him to write me a letter within 5 days of delivery and he failed to do so 3 times now. Pennymac has now filed a lawsuit in the courts on XX/XX/2023 despite being paid in full. I have also made a complaint to the OCC and attorney general in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: National Credit Adjusters, LLC
State: IL
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:
I reached out to this company back in the end of XXXX beginning of XXXX asking them to validate or verify this debt. I have contacted them several times they have not verified verified or validated The debt yet it has been more than 90 days already. I have accidents to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband had a USAA credit card ; he died on XX/XX/2021, so I closed all his credit cards. I had no problems, usually faxing a certificate of death, if that. USAA has been IMPOSSIBLE to deal with! I have a {$130.00} credit balance, and they are refusing to return it, and instead send me a monthly statement showing the credit. I called the customer service telephone number the statement provided then spent over an hour and a half this morning dealing with no less that four people. We had faxed in XXXX the death certificate ; now USAA wants a copy of my being my deceased husband 's Personal Representative. I was able to upload a three-page document completed by my attorney, but USAA refused to accept it since it didn't show the notary public 's appropriate information. I don't know what else I can give them. 

No other credit card company has been this difficult to deal with! USAA owes me {$130.00} and I will never see it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, XXXX XXXX. pulled my credit report without my permission. I tried and tried to resolve this issue with TransUnion and XXXX XXXX. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.

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 2023-04-26
Company: Thaxton Investment Corporation
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: DISCOVER BANK
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: Student Loan Care, LLC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Student loan care promised to reduce my monthly payments and it has been over a year now. They charged me {$1400.00} for the service and nothing was delivered. I asked for a refund and they said only a portion of about {$1100.00} will be refunded. I said that is fine at this point I want nothing to do with them. It's been over a few months and nothing has came in the mail in a form of a check like they promised. I emailed countless times and was told it will be present. Still til today nothing has came in. Please help close these scammers down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: GA
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 was told that I can reach out to you all regarding accounts on my credit that is not mine. I even saw some student loans on there and I didnt even graduate from high school. I was apply for a job and was placed on hold because of this. I saw XXXX, US DEPT OF EDXXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX. I also saw a few inquiries that I know nothing about. I am doing this on my own and I filed a compliant with the FTC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 2019-03-20
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I never sign a contract with this company I need a legal document that I sign with this collectors. I stated to send me a copy of a contract that I sign and they get mad and use verbal abuse. By law I need them to send me a contract that I sign with this collection company. If they cant provie me with the contract I expect tonremoven feon my credit by law and my right as a consumer.

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 2018-04-13
Company: CORELOGIC INC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my consumer report from CoreLogic and they responded with a letter demanding the same information in addition to identification. My original inquiry included the following : My full name, Addresses, DOB, SSN, and a request in-print to obtain my credit report. Those things are sufficient to search the systems. They refused to provide my report without collecting additional unnecessary 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 explanation