BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number # XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX CHILD SUPPORT ENFORCEM Account number # XXXX XXXX & XXXX Account number XXXX XXXX XXXX Account number # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wife and I have been negatively impacted significantly by XXXX bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.

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 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
I am aware that in recent years XXXX, XXXX and TransUnion announced the National Consumer Assistance Plan to enhance their ability to collect complete and accurate consumer information and provide consumers more transparency when interacting with consumer reporting agencies about their credit reports. The plan was announced after cooperative discussions and an agreement with the Attorneys General of multiple states. 

The agreement provides for updates to mandatory data reporting requirements and data collection procedures. The resulting initiatives will impact Data Furnisher reporting. 
The agreement prohibits : Collection Agencies and Debt Buyers must report the Original Creditor Name and the valid Creditor Classification Code according to the Metro 2 format. These fields are required for each account or item reported. 

Collection Agencies and Debt Buyers will not report debt that did not arise from a contract or agreement to pay All Data Furnishers A new minimum standard has been established to expand the CRAs capabilities to match credit data to the file of the appropriate consumer. Furnishers of newly opened trade and collection data must report the full name ( First, Middle, Last Name and Generation Code/Suffix ), address, full Social Security Number and Date of Birth ( mmddyyyy ). If full Social Security Number is not available, full Date of Birth ( mmddyyyy ) will be required.

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 2022-08-11
Company: EQUIFAX, 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:
In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

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 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: PNC Bank N.A.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called PNC to remove PMI at 80 % loan-to-value on XX/XX/2019 ( I know it should be in writing ). Received a letter to remove it required me to pay a {$500.00} appraisal fee to an appraisal company owned by PNC. I was called on XX/XX/2019 by PNC and told that it was the lenders ( XXXX XXXX ) requirement, and I could call them to request removal. They were not open. Per the Homeowner 's Protection Act, they can require " evidence '' but it says nothing about being required to use their in-house, overpriced appraiser. This sort of self-dealing should be illegal, and the definition of evidence should be expanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed several accounts on my credit report, all of which I beleive are fraudulent. I have asked for written proof, and not just a statement showing that I owe this money. I have not received any doucmentation. To add insult to injury my credit score keeps going lower and lower.

I filed a complaint with the CFPB regarding all these accounts and one was removed and closed, and the other two were stated as valid. Agian WITH NO PROOF! How do I get this corrected since I firmly state that I do not owe, and no one will provide written proof, but keep saying I owe. I need the CFBP to correct this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have patiently have waited for an approval on my loan modification. This is very frustrating. I have requested Wells Fargo a work out plan and until today I have received absolutely nothing. I have been dealing with this since XX/XX/XXXX when my property taxes had an absorbing increase. It was then that I began to struggle to make my mortgage payments. I then had a reduction on wages. I also confronted unanticipated urgent property repairs. These were circumstances beyond my control. 
I immediately reached out to Well s Fargo. 
However, do to miss communication with Wells Fargo I defaulted on a trial period in XX/XX/XXXX. I immediately retained my present attorney for I want to keep my home. I provided another financial package to no success. 
On XX/XX/XXXX My attorneys receives call that my home has a sale day of XX/XX/XXXX. Wells Fargo has not inform me anything or my attorney of such before XX/XX/XXXX. 
They did not provided any correspondence regarding receipt of any packages. 
Our Current situation is stabilized now I have minimized all expenses for it is important to keep my home. 
I feel that we have been financially injured as a result of the miss communication with Wells Fargo. I please ask that wells Fargo consider my request. I will provide up dated documents for the file.. I request that the Wells Fargo allow me to provide such and cancel the sale. My income now is substantial for my wife and I both had quite an increase in pay this past year.

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 2021-05-01
Company: EQUIFAX, INC.
State: GA
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 sent Equifax a letter disputing the accounts in error on credit report XXXX XXXX and Chapter XXXX Bankruptcy in XX/XX/2021. Equifax did not respond to dispute with investigation results. I sent another dispute letter about Chapter XXXX Bankruptcy and Equifax did not respond dispute with investigation results. Per the Fair Credit Reporting Act a credit reporting agency has 30 days to respond to a dispute and if they do not the items they are reporting must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Financial Accounts Service Team Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Something is showing on my credit report with a company named Financial Accounts Services for what appears to be some type of apartment complex named XXXX  XXXX. I never lived at that place and they continue to report this false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My income was decreased because of my work hours being cut back. I have been struggling with my mortgage payments for the last few years and I have excessive late fees from being late. 
I've recently requested a mortgage modification.Submitted financials and the modification request to my mortgage company Mr. Cooper. My mortgage sent letters that say my mortgage has been sent to a collection agency. I don't want to lose my home I want my modification request to be processed. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have 2 accounts in collections that aren't supposed to be because they were paid off. Other inquires on account aren't me/accurate 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
Consumer complaint received 2018-03-27
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son received medical attention in the ER. The hospital had incorrect billing information. The claims were denied because of this incorrect information. Hospital is aware of their mistake, but will not do anything about it. Hospital has agreed that the information they had was inaccurate. 
Hospital says dr has to resubmit information. XXXX XXXX XXXX says that debt collector has to resubmit. The insurance company is reaching out, but no one will return their call. All the insurance asked is for the claims to be resubmitted with a letter stating the billing information was incorrect at time of service. They refuse to do this. Commonwealth will not resubmit or contact the hospital or dr to verify information. They have informed me that all that they can do is offer a settlement for an amount that I do not owe. I have bills for {$520.00}, XXXX, and {$740.00} for dates of service on XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX the supervisor on XX/XX/XXXX. Extremely rude and hung up on me after telling me that all he can do to help is offer a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I utilized paypal credit for their 6 months interest free credit promotion on XX/XX/XXXX for a vendor payment of {$5000.00}. Paypal provides no email alert, no online summary warnings or any balance details whatsoever on their website in regards to any fees amounts required to defer interest OR even any alert that fees are past due on a balance. The only way to ensure the a customer does not get interest charged is if they set an alert themselves which is a deliberate ploy to collect interest fees from their customers. I asked for a credit of all the fees before paying the balance in full but the paypal supervisor XXXX   refused to credit any fees whatsoever.

This issue is common among predatory financial institutions that create systems deliberately to catch customers unaware of their outstanding balance. They in fact rely on the interest free period for the consumer to forget when the fees will be charged. Paypal catch their customers that choose to get online statements ( environmentally responsible consumers ) since there is no online information on their website relating to deferred interest or fees. The paypal credit agent admitted to me on a call XX/XX/XXXX that other customers choose to get paper statements in the mail specifically because Paypal do not alert online statement customers to any interest charges. When I escalated this to the supervisor " XXXX  '' ( who would also not provide any more details on his name than this ) advised that their system does in fact provide transparency on the interest fees. However, when asked to show me he could not provide any evidence of an online alert OR transparency on fees OR information on deferred payment fees. After clicking at least 4 buttons within paypal credit online system, the customer has to download " past statements '' on a PDF file to see the only information paypal provide relating to these deferred fees being charged.

Paypal deliberately set up their system to provide ZERO transparency and online alert on interest fees in order to exploit their customers. It is clear that Paypal ( one of the most advanced online finance systems in the world ) have deliberately implemented no transparency for their interest free credit system as part of their deceptive practices revenue generating plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I purchased a newly built single family house on XXXX XX/XX/XXXX. The purchase price of the house was {$260000.00}. I made a down payment of 10 % and took a loan of {$240000.00} from BMO Harris Bank, in a 5 year ARM at 2.75 % interest. 

That loan came with a monthly PMI of {$78.00}, which I am paying with my mortgage without any fail. Initially I was told that my PMI will be cancelled when my LTV reached 80 %. But I noticed that BMO Harris is still charging PMI even after my LTV crossed 80 %. I asked BMO Harris Bank local branch and they told me that the PMI would not be charged once my LTV reach 78 %, which would be after XX/XX/XXXX. As per the suggestion of the BMO employee, I sent a written request towards that goal. I never received any written acknowledgement for that letter confirming BMO Harris received my letter asking to cancel PMI. 

BMO Harris also told me that any extra payment to reduce principle would not be considered for PMI cancellation. We paid {$200.00} extra every month towards the principle. I think what BMO Harris is saying is against law, as I checked from this website, which says, You can ask to cancel PMI earlier if you have made additional payments that reduce the principal balance of your mortgage to 80 percent of the original value of your home '' - https : //www.consumerfinance.govXXXX On top of that, BMO Harris want me to pay {$500.00} for an appraisal of my property to cancel PMI in future. I refused that considering the same website that indicates such property appraisal is needed to refinance loans and not for fresh or new loan. Moreover, BMO Harris itself have all the documents to show that the value of my single family home has increased to {$350000.00} ( as against {$260000.00} purchase price ) as per the city and for which I am paying higher taxes too, which BMO has an escrow account as well. 

I checked all the documents that the Bank gave us during our signing of the loan and it says nothing about PMI cancellation or how would it work. 

Im getting more frustrated with this bank and tend to think that Im being cheated by them. They messed up last year tax calculation and for which I had to pay an about extra {$900.00} for many months. That was not easy. 

I like my PMI payment be cancelled immediately. 

I also have the following questions : 1 ) How and when can I cancel my PMI payment? 
2 ) When will that PMI be cancelled automatically ( without any action from my side ) if I keep on paying my monthly mortgage, as I'm doing now? Or will that PMI be charged for till the end of my 5 year ARM period ( XX/XX/XXXX )? 
3 ) I also like to know what will be my loan amount that we need to pay BMO Harris after 5 year ARM period is over ( XX/XX/XXXX ). 

Thanks,

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 2019-08-27
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
All happened in a 3 day span. 

My sister was letting me borrow {$5000.00} to get out of credit card debt and we were using XXXX to transfer money from her and her husbands bank account to mine. 

The first transfer happened on Friday, XX/XX/XXXX for the amount of {$2000.00}. I quickly paid that {$2000.00}. That posted on Monday XX/XX/XXXX. She attempted to send me {$2000.00}, and I saw it go through to my bank, but it bounced back because her bank thought it could be fraudulent. When that payment came in, I payed my card off immediately and this overdrew my account. 

TD Bank has a XXXX dollar overdraft fee and proceeded to charge me {$140.00} in overdraft fees and 14 maintenance fee for going under 100 $ balance. My account was back in the green Monday when my sister retransferred the {$2000.00}. 

When I spoke with the bank, they returned 2 overdrafts for {$70.00} on Wednesday, XX/XX/XXXX and said because it wasn't there bank that caused the error they wouldn't return anymore of the funds.

They justified four overdraft fees because XXXX  pulled 3 transactions from account on Sunday the XX/XX/XXXX for the amounts of {$11.00}, {$9.00} and {$1.00}. Each getting its own overdraft fee.

As I am trying to pay off debt, my corporate bank has fined me {$84.00} for a banking error that occurred when my sister attempted to send me money. Simply put my bank stole from me. I hope there is something you can do. I went to my bank and said I understand what happened and am willing to accept a {$35.00} overdraft fee, but they did not care. XX/XX/XXXX is the month I leave TDBANK, a bank that use to be amazing and is now huge and stealing from the people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08
Company: Williams & Fudge, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phone Calls from Williams and Fudge using same first three digits : XX/XX/19 : 4 Calls XXXX XX/XX/19 : 3 Calls XXXX XX/XX/19 : 3 Calls XXXX XXXX : Multiple Calls from same or similar numbers between 2 -4 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report to see why I cant get a bank account and it seems to be that someone is using my information accounts being open, Im in the check system

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 2019-04-06
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation