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

Complaint:
- I currently have a mortgage with a balance of XXXX as of XX/XX/XXXX, held by PNC - At purchase the home was valued at {$520000.00}, XX/XX/XXXX - Since purchase we spent ~ $ XXXX making updates to the interior including re-arranging the floor plan of the unit to add a walk-in closet to the master suite , opening living room, and adding a 13 ' x 7 ' room with a mounted wardrobe ( closet ) and windows as my son 's nursery - After these updates plus monitoring the market in our neighborhood we believed we were below the 80 % LTV required for PMI removal, a payment of {$120.00} per month - PNC required me to pay {$500.00} to use their recommended appraiser, which I did - PNC sent documentation outlining the value required to remove PMI would be ~ {$560000.00} - The appraiser was unable to accommodate a schedule where I would be home, so we left a key and the appraiser evaluated the unit while I was not home as agreed - The appraisal came in at {$560000.00} and also concluded there was no work completed on the unit - PNC then denied our claim for PMI removal due to the 19.91 % equity and stated that since we did not own the unit for 2 years and they defined no work having been completed we would need to make a principal payment of XXXX {$38000.00} to remove PMI - Our appraised value was within 0.09 % of 80 % LTV and our monthly principal payment is ~ {$730.00} which should allow us to hit the 80 % within a month - I attempted to call PNC on MondayXX/XX/XXXX where they told me the PMI team does not take calls and would respond in writing, the response would be available digitally XX/XX/XXXX if I were to call in - During this call I requested repeatedly to speak with a person who could assist, they declined - I called back Friday XX/XX/XXXX at which point they said the PMI team was 'behind ' and they could not offer a solution - I said I would not accept not speaking to a person with no resolution, they said they put in a request for a supervisor to call me back within 1 business day -- despite not offering this option on Monday - I then said I wanted to wait on hold, that was not an option supervisors were on calls - I then said I would wait for call back however in the mean time I was going to contact possible legal resources and the CFPB at which point they 'escalated ' meaning a more senior person would call me within 7 business days - I am hoping to resolve this quickly, after my XX/XX/XXXX payment I will have 20 % equity in my home based on the PNC appraisal I want PMI removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have requested from the collection agency, XXXX XXXX XXXX, and Experian for a validation of debt for the alleged account. The initial request to collection agency was on XX/XX/XXXX followed by a second request sent on XX/XX/XXXX and most recent to Experian on XX/XX/XXXX. All were sent certified mail with electronic signatures. Each time the collection agency did not mark the item disputed with Experian. Experian sent dispute result twice stating item is reporting accurately but the collection agency still has not marked the item disputed. I am confused how the accuracy has been verified if they have not been in contact with the bureau.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: FL
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:
For 2 weeks now, I notice my credit score dropped 26 points with Equifax. I have no late payments with 100 % on time, no judgements, 11 % or credit utilization on revolving accounts, no derogatory marks, and no hard inquiries. No significant changes for a drop of 26 points. The only change that was indicated was a balance decrease on all accounts including XXXX XXXX XXXX XXXX XXXX, Mortgage with XXXX XXXX etc. All of these accounts have decrease in balances and should have increased my credit score. I contacted Equifax to inquire why. The agent told me that I had credit cards that I was not using and I needed to utilize at least 30 % of the cards to keep my credit score at XXXX 's or above. I told her that did not make since. If that's the case, why not inform consumers that using each card is the correct way to increase your score. I need help to rectify this matter because Equifax is not being honest with proper reasons to why consumers credit scores can change. I should not be using 30 % of credit cards at all, and no one should be telling consumers that you need to uses your credit cards to increase your score. My score has been between XXXX and XXXX for almost 3 years now and all of a sudden it has dropped significantly to XXXX without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Simpson Law Firm, P.A.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was contacted via summons ( Civil Action Number XXXX ) by a company that I have never agreed to do business with, Simpson Law Firm, located at XXXX XXXX XXXX, XXXX, MS XXXX. According to the summons, Simpson Law Firm is collecting a debt on behalf of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, MS XXXX. I responded to the summons with the attached letter. I've also attached a letter of the summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
OPENED STORE ACCOUNT XXXX AND LATER OPENED STORE ACCOUNT XXXX  BOTH WITH COMENITY BANK. NEVER RECEIVED CHARGE CARDS- NEVER RECEIVED INITIAL STATEMENTS - DELAY IN RECEIVING STATEMENTS DUE TO BANK ERROR WITH MY ADDRESS - LATE FEES CHARGED - PAID OFF CLOTHES - SPOKE WITH REPS MULTIPLE TIMES TOLD FEES WOULD BE WAIVED - CONTINUED TO RECEIVE BILLS - CONTINUED TO CALL- CONTINUED TO HEAR FEES WOULD BE WAIVED - WAS REPORTED TO CREDIT BUREAU - IMPACTED MY CREDIT RATING UNABLE TO OPEN AN ACCOUNT AT MY BANK. 

CREDIT RATING RUINED DUE TO THIS BANK 'S ERRORS. WHY WOULD THEY DO THIS? I RESPONDED TO THEIR CALLS- I CONTACTED THEM A FEW TIMES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: PA
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:
To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from XXXX XXXX XXXX XXXX has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed a couple charge off thats are negatively reporting every month like a payment history on each of my credit report. They have not fixed the issue on my credit report. Its an XXXX XXXX that has charged off XX/XX/XXXX but is showing past due as of XX/XX/XXXX of {$540.00}. I sent in letters and disputed on the online account and nothing has happened. A couple others the same exact thing. XXXX XXXX XXXX same thing reporting as charge off every month as of XX/XX/XXXX in the amount of XXXX and XXXX XXXX same thing as of XX/XX/XXXX they are reporting every month as a charge off.

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 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello and I hope you all are doing ok. Im reaching out to you all to let you know I went to apply for a XXXX with the bank and was not offered the XXXX because of my credit. They advise to me take a look at my credit to see whats going on and I did that I saw some items on there that I dont know nothing about XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. I reached out to the FTC and filed affidavit. Im doing this on my own. I also saw where a few people ran my credit XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-15
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I started a lease with Hyundai on XX/XX/XXXX, with the lease end date being XXXX XXXX. In XXXX of XXXX I moved from XXXX XXXX ( the state I was leasing in ) to XXXX XXXX I had changed my license to XXXX XXXX, so I needed a state to state transfer of the registration. I called Hyundai finance and they told me they would send the title to DMV for me. I made the appointment, and was told by DMV they had no received anything. I waited until XXXX when I decided to buy out the car after my lease. On XX/XX/XXXX I send a cashiers check of almost XXXX to Hyundai and they cashed it 2 days later. Today is XX/XX/XXXX, and I have no idea when I will receive the title to the car I paid in full for. The car can not leave the driveway at this point. I call at least every 2 days for an update because I am constantly getting the runaround of when I will receive it. For the first two weeks I was told to wait 3 business days for processing. Which processing? I was never explained what was even processing. Then miraculously on XX/XX/XXXX I was told the DMV does have the title, the entire time apparently. So a title they were processing, was at the DMV. I was then told DMV was going to destroy the title ( because it had a lein on it ). A week later I was informed that they was unable to happen and Hyundai requested the title back from DMV. Maybe a few days later I called back, Hyundai still said DMV had the title. I called a lot of times and they claim they keep notes on each call, but it seems like no one knows what is even going on with the title. I am now told they have the title, Hyundai in Texas does. They are now processing it. Again. I need the title, bill of sale, and release of lien. All of which I am constantly told will happen in 3 days. It has now been over 8 weeks. Me and my daughter ( an insured driver and co-leased the car with me ) rely on the call to get to work and school. I need to the title to register it, but am receiving no help doing so.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX, TransUnion, and XXXX have 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 written instructions. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX. 
XXXX XXXX account number : XXXX. This is not my account. 

The following information is incorrectly reported by TransUnion. 
XXXX XXXX account number : XXXX. This is not my account. 

***PLEASE NOTE*** XXXX XXXX XXXX XXXX HAS ALREADY REMOVED THIS ACCOUNT DUE TO IDENTITY THEFT.

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 2019-04-12
Company: Army and Air Force Exchange Service
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Notified the original debtor and tried to contact the US Treasury regarding wage garnishment for a debt that was owed. Wage garnishment is continuing for a debt that should have been paid in full. Email and documentation attached.

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 2022-07-15
Company: Experian Information Solutions 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 XXXX Co XXXX Was removed from 1/3 of the major credit bureaus therefore this account should be removed from the 2 others clear indication that there are in accuracies being publish on my consumer report.

Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality

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 2020-12-02
Company: General Information Services, Inc
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I terminated from the XXXX XXXX for receiving a further investigation report saying I was arrested for battery in XXXX in XXXX XXXX. Less then a week prior I received a letter from General Information Services saying after a deeper look into my background they found XXXX XXXX XX/XX/XXXX was XXXX  for XXXX. They failed to verify my legal middle name which is used all over the report showing I was never arrested. They did not verify a place of birth a social security number. I was told I had to dispute the background report with the reporting company to get my job back. I did enter a dispute and received their response on XX/XX/XXXX. Stating they called the XXXX County, NV Justice Court and confirmed the information in their initial report needs to be updated and they removed that case from my background report. 

I notified the XXXX XXXX and the said they didn't have to hire me back because I was in my probationary period. That I could not have my job back. I would have to reapply if there is an open position in my area and start all over again. I am now unemployed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting late payments on my credit bureau when I was under federal bankruptcy protection. Even according to their own attached letter, I was under federal bankruptcy protection, and when I got out of federal that bankruptcy protection on XX/XX/XXXX, I immediately sold the residence which actually was sold prior to XX/XX/XXXX but it takes a little while for the house to close and therefore I should not have a late payment on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: Synovus Bank
State: NJ
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:
I purchased a secured in the amount of {$200.00} on XX/XX/XXXX. I closed the account in good standing on XX/XX/XXXX and wanted my money refunded to me. They sent me a letter saying my account was closed with no mention of my refund. They said it takes 10 weeks and refused to give me my money. They then said I could send a letter in the mail to them so they could expedite the check in the mail so it would come in the mail to me in 7 days. I see it mentions on their website about sending a letter requesting a check to be expedited where it mentions about a {$19.00} fee but they told it me it was free. I did not send a letter because I was scared they would take the fee out of my check that they would send. I went on to the XXXX  website and saw numerous amounts of complaints and reviews saying that people have never seen their money and that this company is a scam. I am terrified I will never see my {$200.00} again. All I want them to do is send me a full refund in the amount of {$200.00}. If they are a legitimate company they can count this complaint as my letter and send it now expedited for free as they claim in the full amount of {$200.00}. That is how I want this complaint resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Atlanticus Services Corporation
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: Account status incorrect

Complaint:
Around last year time frame I have a balance of around {$660.00} with an aspire credit card. I called to pay the balance down and they lady over the phone explained to me that I called at the right time because they was offering a 100 % match program and that my account qualified. I asked her is i payed the {$330.00} what would happen to the account, she explained that it would be {$0.00} and it would stay open for use. Literally as soon as I made the payment about 3 days later I noticed the account went to closed status and charged off.. I immediately called them and they have now kept forwarding my calls to this scam like collection company name XXXX XXXX XXXX. These people can not answer one single question about my account nor provide me with any information.. I mean ZERO information. This is illegal and goes totally against the consumer law. My account should have not went to these people in the first place and also on my credit report it still says aspire have the account but that is also incorrect according to aspire. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief