BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: PNC Bank N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PNC BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the accounts that are reporting on my Credit Reports : 1. PNC BANK XXXX Balance {$44000.00} ; 2. PNC BANK, NA XXXX  Balance {$3100.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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:
There was a collection opened under my name on XX/XX/XXXX. It is for an apartment complex that I have never lived in. I filed an Identity Theft Victim 's Complaint and Affidavit with a notary public on XX/XX/XXXX and sent it to the credit bureaus for investigation.

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 2021-07-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
all of my banking data has been compromised. the bank and the police refuse to provide help. 

someone has drained my accounts i have filed this report several times are you even receiving it?

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 2020-09-01
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I was contacted by a loan officer in re doing a FHA streamline refi. I asked the officer if we needed to make XXXX 's payment as we were in forbearance due to Covid and he stated not at this time but if it is needed someone would contact me. On XXXX I received a phone call that the payment for XXXX was needed to continue the refi. Within the hour the payment was made. On XXXX I received our closing docs with a closing date of XX/XX/XXXX. On XX/XX/XXXX I contacted Freedom due to not having a time to sign yet and was informed that on XXXX our refi was denied due to late payment. Nobody had called me prior to my reaching out to discuss. On XX/XX/XXXX I spoke to a Loan manager who said he would do what he could to clear things up. He had someone send us new load docs on XX/XX/XXXX and said he would expedite the process since this was clearly their fault for providing incorrect information. I have spoken to him close to a dozen times now and continue to get the run around. No closing date, no info on when that might come. I was forced to burn up my savings to pay XX/XX/XXXX  mortgage. The first refi took just over a week to get closing docs and a date and now were going on over a month. I truly feel like we're being strung along so they get paid. They hang the refi over your head to make you pay even though were in a Covid forbearance.

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 2017-12-17
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is a very old bill from XXXX XXXX and had already been removed from my credit report approximately 2 years ago. The bill apparently was sold to another collection agency who then reported it as a brand new collection, which it is not. I never received notification that they were still trying to collect on such an old bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have late penalties and charges on my mortgage account, despite the fact that I am paying on time. 

Here is what happened : My loan was with XXXX for many years, I had a bi-monthly payments on the mid and end of the month. Since the deadline is usually on the XXXX of the following month, all payments were ahead of schedule by almost 2 weeks. All was good and on schedule since I started with XXXX back in XXXX. 

In XX/XX/XXXX, XXXX sold my loan to XXXX. I did not know until almost the due date was over, but I did manage to pay my FULL XXXX payment ONTIME on XX/XX/XXXX ( Due date was on XX/XX/XXXX ) for {$2000.00}. 

Then I started automatic bi-monthly payments from my bank account for {$1200.00} per payment, the 1st one for the month of XX/XX/XXXX was paid on XX/XX/XXXX for and the 2nd payment was payed on XX/XX/XXXX. 

After few months, I started noticing that I have late charges and penalties, I contacted Loancare which is the service company for XXXX multiple times, unfortunately was not able to get any one to talk to. I sent many emails with no answers so far. 

I dig my payment history from their website and realized that the problem was in XX/XX/XXXX payment, the company considered that payment as a principal payment instead of the 1st part of my bi-monthly payments for the month of XXXX. Once again I send many emails from their website, no answers so far. 

I finally managed to get them on phone today XX/XX/XXXX. I talked to an agent and her manager, and explained in clear terms what happened. I was not able to resolve the issue, their line of argument is that 1 ) this happened more than 6 months ago and we can not do anything ... 
2 ) we did not have a bimonthly payment system at that time, which I can not understand because they seems to accept my payments after that. 
3 ) you did not informed us that the XX/XX/XXXX payment was not a principal payment.

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 2018-11-15
Company: Waypoint Resource Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit fraud by a company 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 2017-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received collection paper work from Portfolio Recovery Associates for and old XXXX XXXX account. I informed them that I would like to dispute the claim. I received a call from them saying that they had won the dispute. I informed them that I had not received any paper work in regard to that. Shortly after that I received paperwork dated XXXX XXXX 2017 that I am being sued after that I received the dispute paperwork dated XXXX XXXX 2017. They sued me prior to providing validation of the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I saw a transaction through XXXX that I was not familiar with for the amount of {$150.00} First the agent stated that I've sent money to that person before. I told her I've never. Then she stated it was XXXX the XXXX. That was another lie. The transaction was due XX/XX/XXXX. I feel she purposely sabotaged my account unnecessarily. 
She proceeded to ask for my driver 's license number. I gave her the requested information. She was still not satisfied. I am the victim but was treated like the vlian. 
When asked my security question she laughed at my response. 
She was very unprofessional. 
I called navy federal for assistance and ended up having my account locked. Really for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  account with XXXX balance & showing collection status was included in bankruptcy filed XX/XX/XXXX & XXXX in XX/XX/XXXX. I have disputed with you previously, and after months of waiting and going around about this issue, you found in my favor & updated it to included in bankruptcy & zero balance. The very next month the entry showed a balance and collections status again & I disputed again. You deleted the entry completely. I was just notified yesterday that another dispute was opened for the account but I never requested a dispute, so I called and asked you to delete the disputes because my credit report was fine with your bureau and looked correct. You assured me the disputes were deleted, but this morning when I checked my report you have processed the dispute that I didnt initiate and as a result the account is showing up on my credit again and it is showing in collection status with an XXXX balance again?! I called & talked to a rep who said he can update it back to included in bankruptcy again but I need someone to make this account stop coming back and tanking my credit every month. Please delete or block this account from being able to be added back or changed and please block any disputes from being able to be initiated unless I call and request myself. This was fixed and now I am back to square one again. These are old accounts that have no reason to be edited at this point once they are corrected. I have attached a copy of the previous dispute where you deleted the entry and a copy of the recent dispute that I did not initiate where you added it back.

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 2021-01-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX make a sincere request to three of my creditors, for relief of a one-time late payment during a month where I was hospitalized for XXXX from XXXX. I am a veteran of the United States XXXX, and I served in the XXXX during the invasion and ultimate success in securing freedom for XXXX. However, over the years I dealt with the XXXX problems, and in XX/XX/2019 I was hospitalized where I had no access to pay my bills on time. Several creditors already removed the 1 X 30- day late payment as a courtesy to a military veteran. I am now XXXX  % covered by military XXXX, and I also work full time running my own business. I believe that my business will go through high growth periods over the next five years, and my excellent credit history was always a priority in my life. Accordingly, I respectfully request the XX/XX/2019 late payment as I was not in any position to attend my affairs. I am now healthy but there was a short time in my life, dealing with XXXX was impossible. I thank you for any consideration you can show me. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: EQUIFAX, INC.
State: WA
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:
XXXXs website is purposefully kicking you out of being able to dispute items on your credit report.  They are willingly and knowingly doing this so people cannot access their reports so they trick you into paying. Also will no allow me my free annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX Balance Owed : {$24000.00} I am requesting you to remove late payment on my credit file base on deferment. I was never and it is hurting my credit. 

XXXX XXXX Balance Owed : {$8800.00} - I am requesting you to remove late payment on my credit file base on deferment. I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I was never late and it is hurting my credit. I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. I was never late and it is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX   Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: CNG HOLDINGS INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Out of many disputed debts most were taken off after filing an affidavit from the XXXX. I have made two police reports and gave positive names of who might be assumming my identity. However the same 3 accounts are still appearing as derogatory unpaid accounts. They refuse to remove them no matter what I do. My credit score has  increased dramatically but the three derogatory accounts that are not mine still appear and the companies as well as the credit agencies refuse to remove them. Interestingly XXXX  did remove 2 of the 3 where XXXX refuses to remove any of the three. I have proven time again that they are fraudulent and not opened by me. I have a 100 % payment rate on my accounts that I actually applied for. Also under hard inquiries I have not ask or applied for credit in years. Then it says the length of time of my credit report is under 3 years I am XXXX and have purchased a home in 1999 and paid it off. I have had credit since I was XXXX and yet it reflects me as only having credit for less than 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Mr. Cooper Group Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
My Credit Union sent a cashiers check in the amount of {$16000.00} to payoff a second mortgage to Mr Cooper on XX/XX/2022 via XXXX XXXX 

The documents were recieved and signed for on Friday morning XX/XX/2022 at XXXX XXXX XXXX XXXX by Mr Cooper. 

Included in the XXXX packaging was the cashiers check [ in the amount quoted by Mr Cooper, to the address Mr Cooper stated as their payoff department ], an original payment request document generated by Mr Cooper with the account number and my name, and a document requesting that they release their lein.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: EQUIFAX, 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 information incorrect

Complaint:
On XX/XX/2018, XXXX XXXX is NOT reporting my good, on time payments for my car payments. I asked XXXX. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX Balance Owed : {$24000.00} - I was very sick and was affected by COVID. Please update late payments on this account. 

XXXX XXXX Balance Owed : {$8800.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020.

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 2020-09-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was laid off in XXXX from the events industry - an industry that is still not allowed to open as per mandates from state and local governments. I have lost over {$100000.00} in expected income so far this year. 
I have been in regular communication with Citibank since this lay off and have kept my account current until XXXX, when additional relief expired from the federal government. As state unemployment is not enough to cover expenses, I contacted Citi and signed up for a two-month deferral of payment due to COVID. 
I have now passed that two month period and have received a notice my account is past due and I owe {$2200.00} minimum. I contacted Citi ( XX/XX/2020 ) to find out what I could do to keep the account current and make a reasonable payment - again I am out of work and not allowed to work as per the government. 
I was told I had two options : 1 ) a " catch-up '' program I could enroll in, where I could make $ XXXX/month payments for 6 months and then resume full payments. Interest and late fees would still accrue. 
OR 2 ) a negotiated payment program with reduced APR and no late fees, but that would close the account. 

I asked to sign up for the catch up program and was transferred to another agent. Upon speaking to that agent, they told me something completely different - ultimately my only option was to pay $ 2200+ to bring the account current, or close the account and go with the second option. 

I am just trying to keep this account current and work with Citi during this time. It won't last forever and work will return. Instead, Citi has decided that ruining my credit or driving me to bankruptcy are the only two options. 

Again, I am willing to make payments that I can afford right now until this gets worked out - either the government gets their act together, or I am able to get back to work - also contingent on the government. With these type of options from a major bank, I don't know what they expect people to do?

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 2022-10-26
Company: Genesis FS Card Services, 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: Account information incorrect

Complaint:
I've sent letters to all 3 credit bureaus asking them to verify debts and accounts on my credit report due to inaccuracies i noticed. 3 weeks later I received letters stating they've verified my credit reports and the accounts however there are still inaccuracies showing on my reports. the following accounts are XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX and according to the 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation