BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX we closed on a Home Equity loan as a refinance of our original mortgage issued in XX/XX/XXXX. This Home Equity loan on XXXX XXXX XXXX XXXX PA XXXX, was for the total amount of {$230000.00}. It was written by PNC Bank Mortgage loan officer XXXX XXXX, out of the XXXX XXXX XXXX XXXX office ( I'm not completely certain that this was the branch he worked out of ). 
At the time, he told us that we were getting a 15 yr. mortgage. At no point did he inform us that we would have a balloon payment of {$160000.00} due at the end of 15 years. At no point in the 15 years that we had this loan did PNC communicate to us that this balloon payment would be coming due in XX/XX/XXXX. In fact, the only way we discovered this was through our online banking portal. The payment due changed on XX/XX/XXXX from the typical {$1300.00}. to {$160000.00}. 
THIS IS PREDATORY LENDING. We have faithfully made our payments for the past 15 years, and now PNC expects us to come with a lump sum of XXXX? We need to have the loan modified in a reasonable and affordable way. So far PNC has NOT cooperated, we applied for a refinance and were told we did not quality - due to income and debt requirements. We own a small business and have cash flow problems. But we HAVE always made our mortgage payments. When we inquired about our options at PNC were advised to let it go delinquent and then do a " work-out '' we do not want to go delinquent and have our credit ruined. This is inexcusable. 
Please require PNC, a multi-BILLION dollar company, to do the right thing and modify this egregious loan product that should have NEVER been issued, and should have come with many, many communications about its payment structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
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 information incorrect

Complaint:
XXXX student loan was Paid off and never late it was in forbearance us dept of ed paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit 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 2017-08-02
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 've disputed this collection debt multiple time through XXXX XXXX and also Experian. My latest dispute was with Experian X/2017 regarding a XXXX dollar amount debt. Each time it has came back verified without the proper proof of verification. XXXX XXXX has also failed to send me requested proof.

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 2021-07-05
Company: Royal Pacific Funding Corporation
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: Account status incorrect

Complaint:
I have been XXXX since XXXX of XXXX and filed a forbearance request with my mortgage lender, Royal Pacific Funding. I received a letter from the lender dated XX/XX/XXXX detailing my temporary hardship forbearance plan. I followed up with a phone call in order to confirm the information in the letter. The representative from the processing company, XXXX, confirmed that the plan was approved and no payment was due until XX/XX/XXXX. I was told I would be contacted to discuss re-payment options at the appropriate time. 

On XX/XX/XXXX, I had not received any communication from the lender so I called to get a status on my loan. I was told that the loan had been transferred to another servicer, XXXX, and the paperwork had not been fully transferred over to the new servicer so they would be in contact. In XXXX I began receiving letters that my payment was late so I called back to find out why I was receiving the notice. I was assured that it was sent in error and not to worry as it would not affect my credit. 

In the ensuing weeks, I called repeatedly, ( no less than 10 times ), and was given the same explanation and the notices continued, including a notice that the load was not in default. Last week, I received a notice from the credit bureau that my score had dropped 38 points because of this issue. I contacted the lender and was told they would correct the issue on call me back on Wednesday, XX/XX/XXXX. 

I have yet to receive a call back and the issue has not been resolved. This company, Royal Pacific Funding, has been completely negligent in how they have handled my account and have completely ruined my credit in the process. 

Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALL OF THESE ACCOUNTS ARE FRAUD AT ITS GREATEST

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 2018-07-06
Company: Experian Information Solutions 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:
I would like to file a formal complaint against Experian dba : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX TN, XXXX ( XXXX ) XXXX, for illegal data sharing and providing unknown third parties companies access to my complete credit file. 

Although I had opted out of data sharing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, without my knowledge or consent Experian provided a complete copy of my consumer report to a third party listed on the report as XXXX XXXX XXXXXXXX XXXX XXXX. 

On XX/XX/XXXX, I received a copy of consumer credit file number # XXXX, and noticed several unauthorized inquires on my file placed by XXXX XXXX XXXX XXXX XXXX 

I immediately contacted the credit bureau for an explanation. According to Experian even if the consumer opted out of data sharing they have the legal right under code ( 604 ) to share my data with XXXX XXXX XXXX XXXX XXXX, who obtained and forwarded copies of my consumer credit report on behalf of hundreds of medical providers. 

Experian could not or refused to disclose to the consumer what companies were provided copies of the consumer credit report personal data or contact information for XXXXXXXX XXXX XXXX XXXX XXXX. 

This action is a violation of privacy laws in addition, Experian had found a loop hole in the FCRA to blatantly distribute consumers data without their knowledge or consent. 

I want a full investigation into the egregious act and CFPB to enact or enforce laws that provides consumer protection from this abusive practice of data sharing without the consumer knowledge or consent and refusing to provided names of the companies or persons that now have my personal data in their possession.

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 2021-07-05
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My report is showing late payments for XXXX, XXXX and XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Alco Collections, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been calling for months to try and settle this debt owed. I now live in a new state and can't get a place to stay because of this debt. No one ever answers the phone nor return my calls after I leave a voicemail. All I'm trying to do is pay so I and my children can have a place to stay. I'm XXXX living in a XXXX at the moment because of this reason. I've never received a letter or anything from this collections agency ever. I only found out about it when I checked my credit and kept getting denied housing because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Midwest Recovery Systems
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:
On XX/XX/XXXX I filed complaint XXXX against Midwest Recovery Systems. I have also file a complaint against them with the AG of Texas and Missouri. In addition, I filed a complaint against XXXX XXXX with the CFPB and a complaint against XXXX XXXXXXXX XXXX XXXX with the XXXX  and AG of NY since those were the parties mentioned in the response to my complaint dated XX/XX/XXXX. 
Since my complaint with CFPB dated XX/XX/XXXX, I have received couple voicemails from MRS XXXX XXXX and XX/XX/XXXX regarding the alleged fraudulent debt, a clear violation of the FDCPA. While this account is in the validation phase, it is my understanding that all attempts to collect on this alleged debt via phone calls and contact from MRS would stop until they can provide me with a contractual agreement SIGNED by me on XX/XX/XXXX that binds me to the alleged debt. Apart from the phone, I have also received communication from an XXXX XXXX of MRS and an update of my XXXX   credit file on XX/XX/XXXX that caused my credit score to drop 66 point. 
It is my intend to also forward all of my correspondence regarding this matter to the FTC with the hope that MRS get sued for violation of federal Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureaus more than 30 days ago and received no reply. I sent a follow up letter and received no reply.

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 2018-05-06
Company: Expedite Financial, Inc
State: GA
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 called XXXX on Friday and disputed several hard recent inquiries that i did not apply for anything. They gave me a co formation number of XXXX RE : Request Investigation of Credit Inquiry on My Behalf XXXX confirmation # XXXX Inquiries listed are : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX   listed twice 4 ) XXXX 5 ) XXXX 6 ) XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX listed twice 10 ) XXXX XXXX 11 ) XXXX XXXX listed twice 12 ) XXXX XXXX XXXX Dear Sir or Maam, I  recently conducted a review of my credit report, and I noticed that should be showing on my report. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-06
Company: Klima, Peters & Daly, P.A.
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter stating that I owed a debt and they sent me a copy of a request for garnishment. This debt does not exist. I informed them some time ago that this account is not a real debt. The letters stop coming for years until I received the garnishment request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to a restaurant for lunch, by myself, with no way to pay except my debit card. 

When the time to pay came, I gave my card but it was handed back to me as not working. 

I called the bank, and they told me that my card had been turned off, and there was no way to turn it back on. I asked why, and they said that " a merchant had been compromised '' and so they turned the card off. 

There's no way for the card to be turned back on, there was no replacement card sent, and there was no notification that the card was going to be turned off, despite their assurances that a notice was sent. 

They left me with no option to pay, they wouldn't forward the money for my meal from my account to the restaurant ... how was I going to pay for this meal? They left me completely stranded and without means to pay. Its humiliating, inconvenient and ridiculous. Surely that is not the first time that has ever happened. Why would you turn off one card before another is activated?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
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 have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) One main XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. ) XXXX XXXX XXXX XX/XX/XXXX 11. ) XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Midwest Recovery Systems
State: MS
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:
XX/XX/XXXX Midwest Recovery Systems contacted me saying I owed a bad debt of {$770.00}. This is not my account and I have never used XXXX XXXX XXXX from which this original debt is reported. Midwest Recovery contacted me on XX/XX/XXXX to collect a debt from XXXX XXXXXXXX XXXX with the date of XX/XX/XXXX for the last activity on the account. I have contacted XXXX XXXX XXXX on XX/XX/XXXX to find out what account number and name they have associated with this account. They reported that they did not keep records of accounts after it goes to a third party collection agency. The fact that this was not ever reported on my credit report until XX/XX/XXXX and the fact that neither Midwest Recovery nor XXXX XXXXXXXX XXXX can give me an account number or an original loan amount seems very suspicious. With no information sent to me to collect a debt, Midwest Recovery placed this bad debt on my credit report. I have also looked at my entire bank records during the time mentioned and have found no payments to XXXX XXXXXXXX XXXX. I have read other reviews on this same Midwest Recovery Systems company and they all have similar stories. At the same time, I am trying to get a mortgage and this has negatively affected my credit score. The company hopes you will just pay the debt and forget about it. This is a scam and more severe action must be done to punish this company for their illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: AES/PHEAA
State: MI
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:
In the summer of XX/XX/XXXX, the federal student loan provider was changed from XXXX to XXXX. All my information was transferred from XXXX to XXXX. However, the information which was pertinent for Income Driven Repayment ( IDR ) was not transferred, and XXXX is unable to let me know any details as to why my payment was calculated at $ XXXX/mo with XXXX, and that their calculation method was the same, but my payment is now $ XXXX/mo despite earning less money. According to XXXX 's version of my monthly payment, I was to pay {$50.00} per month. The information that XXXX used was in accordance with my XX/XX/XXXX XXXX. I earned around {$59000.00} AGI on this statement. When my loan was transferred to XXXX, I had to re-certifiy my IDR for this year. To do this, I submitted my XX/XX/XXXX XXXX, where I made {$10000.00} less than XX/XX/XXXX. XXXX says my new payment is around 130 % higher than what I was paying ( {$130.00} ). This is despite earning less money. I have spoken with numerous representatives, and they will not allow me to go past the given representative. No one will give me a good reason as to why my payment went up because they " dont know what XXXX did ''. If XXXX calculates the same, my payment should really have gone down as I earned less.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
What happened? 

I used PayPal to send {$6000.00} to a company called XXXX in the XXXX XXXX for tuition purposes, then found out that the company is a scam and operates fraudulent accounts. I filed a claim with PayPal and they are not making any effort in getting this resolved. Below is the complaint I sent PayPal about XXXX who I sent my money to : Complaint about XXXX  I sent money to open a XXXX XXXX XXXX/package and was assigned a fraudulent Account Manager, XXXX XXXX who tampered with my account and misrepresented the balance in my account. A Complaint was made to XXXX XXXX and XXXX XXXX CEO of XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.I still have not gotten a response concerning this fraudulent transaction. I was assigned an Account Manager who embezzled money from my account. This is part of payments totaling {$6000.00} to XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. for tuition and training that turned out to be bogus, and was assigned an Account Manager XXXX XXXX who embezzled money from my account. When I found out what was going on I sent an email and he replied there was an " MTS malfunction '' I have no idea what that means. I would like a full refund of all the monies paid to XXXX. I do not trust this company. I used PayPal as a vehicle to send my money to XXXX. PayPal seems to be doing business with fraudulent companies and is turning a blind eye when customers complain about the fraudulent transactions. XXXX is a fraudulent company and also operates under the names/ is affiliated with XXXX and XXXX. Please let consumers know about this company 's notorious reputation for scamming innocent people out of their hard earned cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Northland Group Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is attempting to collect a debt that is 9 years past and has exceeded the limited time to collect and sue. They know that but they keep calling.

Company response to consumer: Closed with non-monetary relief