BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I received a check in the mail along with a letter from PNC Mortgage in relation to my escrow account. The letter indicated, During a recent review we discovered while your loan was in bankruptcy, we did not complete a timely escrow analysis. This resulted in escrow shortage. The amount it closed is equal to a portion of the escrow shortage that you incurred. We apologize for any inconvenience. 

To this letter, I responded and requested a full review of my account dating back to my initial bankruptcy to ensure that a timely escrow analysis was conducted. Depending on the findings I requested, necessary adjustments, credit of interest and fees or a comparable amount of whatever is needed for corrections. It was my belief that, if they failed to do the timing escrow analysis currently, this may have also been done in the past. To this day I have not received a response from the 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 2018-08-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date opened shows XX/XX/XXXX on my credit report. 
Closed date XX/XX/XXXX Credit Acceptance is reporting to my credit that I owe {$2600.00} to them for a vehicle purchase. I do not owe this debt. They are stating I provided my licence upon signing an agreement, which is false, i did not even have a valid drivers license in XXXX, up to now. 

The vehicle that was sold was a lemon, and has been sold by the company to repay what was owed. 
I reported this to the XXXX, and was told I had a valid license which was apparently showed at signing.

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
I have filed several disputes to XXXX, XXXX, AND TRANSUNION, and have received no answers to my disputes.

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 2018-09-27
Company: Revenue Enterprises, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXXXXXX XXXX Hospital Colorado referred a debt to collections. XXXXXXXX XXXX Hospital sent the bill to an old address of ours and never bothered to notify us. I received a phone call from a debt collector that would not identify themselves. I've been trying to track down the name of the agency XXXX XXXX Hospital of Colorado referred the debt to, but they refused to respond to e-mails when we inquired about the debt. We contacted XXXX as they would not answer the phone number listed on their statements and website. The first e-mail I sent was on XX/XX/18 and I finally got a response XX/XX/18.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Invoice was recoded and resubmitted to XXXX. Insurance covered 100 % of the invoice, no out of pocket payment. Radius is still reported this debt even though it's been communicated by XXXX that this debt/invoice was paid in full by insurance.

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 2020-05-29
Company: CONTRACT CALLERS INC
State: AZ
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:
I paid Contract Callers the debt that I owed them of XXXX and that status should be paid in full. They reported the same debt XXXX  on my XXXX  report and only closed XXXX of them. I have an open collections for XXXX that needs to be completely deleted as they only closed XXXX of them as paid in full. So it looks like I had XXXX collections rather than the XXXX that was valid.

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 2020-07-03
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
There are 12 qualifying payments missing from my public service loan forgiveness ( PSLF ) from XX/XX/XXXX to XX/XX/XXXX. I have attached a letter from FedLoan Servicing stating that I have 40 qualifying payments from this time period. During this period, my loans were serviced by other companies ( XXXX, then XXXX ). I am including documentation of all my payments during this time period. I made a total of 52 payments in that date range so 12 are missing. I have regularly submitted employment certification forms during this time period. 

I have called FedLoans several times about this to ask for a recount of my qualifying payments. Several months ago they stated that the recount was complete and determined that the 12 payments did not actually qualify. I called back in XX/XX/XXXX and asked for a recount again and they said a recount had not been completed and they would request one. I called again and they said it should be complete in 2 weeks. I called on XX/XX/XXXX and they said that the recount request had not been started yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Three times over the last four years a collection agency has placed a charge of {$690.00}, the original creditor was XXXX. This was a debt of identity theft. I did not live at the address of service ; I don't know anyone who lives at the address of service and I did not authorize the service.

The current collection agency is Southwest Credit Systems, LP. They reported the charge to XXXX on XX/XX/2018. I wrote them a letter on XX/XX/2018, to dispute the debt. 

At the request a former collection agency I reported the identity theft to XXXX XXXX police. 

I currently have a valid XXXX account that I have had for the past 18 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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:
Accounts have been added to my credit report I believe to be a result of fraud. These accounts are unauthorized and unverified.

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 2018-05-03
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Home Depot has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Transunion XXXX. XXXX XXXX  XXXX, PA XXXX XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX  ) 2. ( XXXX  XXXX  ) 3. ( XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 2017-08-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective   XXXX   XXXX  , 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Applied Data Finance, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have had a Personify Financial loan since XX/XX/XXXX. As part of the set up of the loan, I elected to have Personify Financial automatically charge me every two weeks per the loan agreement. There was no issues until XX/XX/XXXX which is one of my scheduled payment dates. The payment was deducted from my bank account as usual ( my bank account was debited {$160.00} ) but was reversed ( money was still debited, there's no refund or credit on my bank account statement ). As part of the loan agreement, after a set amount of on-time payments there is a reduction in interest by 2 %. At the time my loan rate was supposed to decrease from 53.40 % to 51.40 % and my new monthly payment was supposed to be {$160.00}. On XX/XX/XXXX there was a charge for {$74.00} that appeared but since I was on auto-pay I did not worry because my assumption was that the normal amount would be debited. Fast forward to XXXX XXXX XXXX, I noticed my account was in bad standing and that I owed two payments. I immediately attempted to contact Personify who advertised their customer service hours as being available from XXXX to XXXX yet I was always met with a message that their center was closed despite it being early noon. I decided to email them and it stated that I would receive a response but have yet to receive a response. This was over a month ago and as a result, I have paid more interest that I would have had the payment been processed normally. There are no issues with my bank account and it was only until XX/XX/XXXX ( one month and two days later ) that the company notified me that my payment had been late. Since I have not heard a response from the company, I have decided to file a complaint in hopes of getting this addressed finally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXXXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Last night I attempted to access my Transunion account in an effort to keep it active and up to date, only to be required to enter a 6 digit passcode sent to the email address associated with the account which took long enough to arrive that it had expired by the time I entered it, causing my account to be locked. I promptly initiated an unlock request through the procedure made available through the merchant 's website, only to be subjected to a repeat of the episode this afternoon, as another passcode was sent that took over 25 minutes to arrive ( although the email timestamp falsely indicates that it was sent immediately, it took over 25 minutes to appear in any of my email applications in use at the time on a variety of different devices ).

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 2018-05-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In XX/XX/XXXX, I applied for a small personal Loan with one main financial. I was going to use my XXXX vehicle as collateral. I was asked to come into the office to sign final papers and I went to the XXXX Maryland office and spoke with XXXX. After signing papers and my title, giving all my copies of social security number and personal information, one main told me I could come and pick up my check within a day or two. Later that day or the next morning, I received a call saying that I needed a co-signer which I didnt understand why.. I told them that I didnt have a co-signer and due to the change, I didnt want the loan. I told XXXX I would be there to pick up my documents. When I went, she wasnt there and no one could find my folder. I have still not received any of my documents, including my car title or any of my personal information that I am not comfortable with floating around. I had to go to MVA and pay for another copy of my title. 
Recently, I needed to sell my vehicle due to more medical bills due to an illness. I spoke with my insurance company to let them know I was selling the car. They ( XXXX XXXX ) informed me there is a lien on my vehicle from One main Financial. I have tried to call the XXXX office three times. I have asked for manager and each time, manager is not in. I have tried to call the corporate number but am not able to get to a person and asked to leave messages that are not returned. Today, XX/XX/XXXX, I spoke with XXXX from one main in XXXX. I again asked for manager and told she wasnt in. I told her what the issue is and I need the lien removed ASAP. I gave her all my information because she said Im not in their system. I told her time is a factor because I am going to loose the person that is buying my car which will be literally devastating financially and medically. She told me she has two people out and will do it when she has time. I again almost begged and she said when she has time but she isnt holding on a line because they have clients to take care of. She proceeded to say anything else?? I said no and thanked her for her time. 
The company comes up as onemain financial, one main financial and/or onemain financial holdings LLC so I am unclear if they are one in the same

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I had a XXXX Credit Card that was exposed to XXXX at the end of 2018. They called me and determined that this was indeed the case. They stated that they would send me a new card and I never received it. Being out of sight, XXXX/Chase did not inform me that if anything was coming out of the previous card, it would transfer to the new number. This is what happened and I did not know until it was too late. There were XXXX XXXX XXXX payments that came out of the new card number ( again, I never received this card ) and caused my account to go delinquent. I have never been delinquent on anything in my life. Then I called in XXXX to inquire as to what is happening and that is when I found out about the charges. They then waived the late charges and interest, but I did not care about this. I cared about the negative marks on my credit. I then called today and spoke to XXXX in the XXXX office telling me that the account was closed? I do not understand. I would like my account reopened and negative marks removed becuase this was totally out of my control and was not given adequate information from XXXX/Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They decreased my score for no reason, I had no changes to my debt, on time payments, no debt, recently I received a letter that someone hacked my personal information on Experian and they disconnected my linked XXXX XXXX XXXX XXXXhat was linked for Boosting and was unable to re-connect so I am guessing now they will decrease my score, my score was XXXX a month ago they decreased it 8 points for no reason and now they increased it to XXXX, now boost got disabled by Experian system not by me, they have no phone support unable to speak to live person, dispute center is a complete headache, I been paying attention to every move their system is making and lately they seem very fishy and makes no sense.

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 2018-05-03
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: CITIBANK, N.A.
State: NJ
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:
I have been receiving letters from Citibank stating I have a credit card with a balance for over one year now. I called several times ( listen to recordings ) and got passed around, and got hung up on. When I finally got a somewhat intelligent human being at that awful bank they said they would start an investigation of fraud. I then received almost a year ago exactly copies of my checks that I wrote paying the card off from XXXX! I didnt report that I never had the card, I did from college and it is joint with my father. I had it in XXXX and paid it off and cut it up in XXXX. It is my maiden name, which I have not had since XXXX. They have my email address from 6 years ago, I have moved but they found that address of course. I have not have the card in my possession since XXXX. I called last week and citibank told me I owe nothing. Now I get a letter, with no phone number to call, very convenient saying I owe money on this card that has been gone since XXXX, which is it? So any charges on it 8 years later, is not me!!! I want Citibank to stop being a horrible bank and take it off my credit!!! It is fraud!! I did not make those charges, I blame the fraud on Citibank. They are the most incompetent bank I have ever dealt with. If anyone is reading this, do not use Citibank, they are untrained, incompetent, rude and an immoral bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief