BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV FUNDING representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: FL
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 Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

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 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 2020-02-20
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I switched to XXXX XXXX for my homeowner 's insurance. RoundPoint Mortgage didn't pay them. I called once each month to get the problem resolved. XXXX  just kept sending bills. I was cancelled three times as RPM refused to pay XXXX  ; they then became in arrears and didn't pay that either. Finally, I got fed up with both companies and switched to XXXX on XX/XX/XXXX. I had XXXX and RPM on the phone at the same time to get everything straight. RPM then decided to pay XXXX  AND XXXX (?????. ) They sent me a letter saying that my escrow was in arrears and I would have to " pay it or else. '' I called them and they told me it was MY responsibility to get a refund from XXXX  even though it was THEIR error. On XXXX XX/XX/XXXX, I paid them {$270.00} and was " assured '' all was well. Two days ago I received a bill saying that I owed an additional {$490.00}. Of course I called them yesterday and inquired as to why I owed additional money. They couldn't give me an answer other than " you just do. '' This call took thirty-eight minutes and twenty-seven seconds. I asked to speak with management and was told " they are all in a meeting. '' I was assured that one would call me back ; which we all know never happened. I called my closing agent to find out what my rights are. She told me it would be more costly for me to refinance for ten years with another company. She informed me to demand that my insurance and taxes be removed from my loan and to report this company to you. I have signed and emailed them an Escrow Waiver. They don't know what they are doing, their notes don't make sense to them, and they are completely disingenuous. They have caused me a great deal of stress and I still don't have this issue resolved. Please prosecute them to the fullest extent of the law. They truly deserve worse. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC will not let me connect to third-party banking/savings app XXXX. This has not been an issue in the past but now PNC is saying I do not have a valid mobile number when my current number has been enrolled in PNC banking since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: FL
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 am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018, I had to cancel my hotel reservations at XXXX XXXX by XXXX XXXX XXXX XXXX in the amount of {$700.00} booked on XX/XX/2018. My cancellation was because my flight going into XXXX, Hawaii was cancelled from XXXX XXXX, and there would be no way that I could make this hotel reservation. The flight was cancelled due to Hurricane Lane approaching the island with an increasing chance of hitting the islands of Hawaii. Due to this reason, we had to cancel our vacation to Hawaii. 

I reached out to Citibank immediately to use the travel insurance protection program that I am enrolled into automatically on my credit card. This route was rejected because there was only a travel advisory warning for the island, even though a state of emergency was declared. The documentation and form process advised me to send further documentation for review, so I had sent all relatable news articles about the hurricane hitting Hawaii, and the lack of food and water on the island, how there were power outages on the island, and the roads are not of driving condition. The travel insurance was then rejected, and I proceeded to call Citibank back to find out why. The Citibank representative told me that the travel insurance does not cover hurricanes or natural disasters, and if it did, flights would have to be cancelled for 24 hours for the trip to be covered. After discussing with the employee on what other actions I can take, he then advised me to dispute the charge. 

I disputed the charge only stating that the service was not complete or used and even sent documentation information that was requested of the cancellation receipt. Shortly after, I received a letter in the mail that the dispute was rejected. However, there was no reason as to why it was rejected. 

I contacted XXXX XXXX themselves and they said because I booked via a third party ( through XXXX ) they are unable to do anything about the refund. They advised me to contact XXXX directly and see if there's anything they can do. 

I contacted XXXX, whom I booked the reservation off of and because they do not partner with XXXX and XXXX XXXX anymore, they are unable to resolve the issue internally. The gentleman whom I spoke with looked at everything and tried to resolve the issue internally but was unable to help me. He advised me to also dispute the charge and contact Citibank directly.

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 2020-02-20
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1 ) Account Info Creditor : Commonwealth Financial Original Creditor : XXXX XXXX XXXX, XXXX Account number : XXXX Collection opened : XX/XX/2019 Account type : Collection Department XXXX Agency / Attorney Balance Loan Amount {$650.00} {$650.00} Payment Info Original loan amount : {$650.00} Balance : {$650.00} Updated on XX/XX/2019 Contact : XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Creditor : Unknown Collection Opened : Unknown Account type : Collection Department / Agency / Attorney Balance Loan Amount : {$26.00} Payment Info Original Loan Amount {$25.00} Balance : {$26.00} Updated on : Unknown Contact : Unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Pendrick Capital Partners Holding, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a collection in full to XXXX XXXX XXXX on XX/XX/2015, account # XXXX. The original creditor was XXXX XXXX XXXX. 

This complaint is about Pendrick Capital Partners LLC. Their account is XXXX. They sent me a collection notice for a debt that was paid. I sent receipts over email showing it was paid. They claimed they needed more information. I contacted XXXX XXXX XXXX and was told they no longer had information on my account as it was too old. Pendrick Capital demands information from the previous creditor who no longer has this information. Receipts are apparently not good enough

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: GMA Investments, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2019 Morning- This company contacted me at my place of employment. The company would not identify itself. I let them know that they had the wrong # and was responding to in a threatening manner. 
XX/XX/2019 Afternoon - The company then sent a verification of employment to my place of employment and would not identify themselves or the specific information needed. I then contacted this company phone and asked why they contacted my employer. The woman 's response was " Do you know what a garnishment is? '' i agreed that i did know. She went on to say that i have two options, i can either get on a payment plan or proceed with garnishment. I asked her to provide documentation of the matter, she then stated that she did not have to provide this. She then sent me to the " payment center '' where they took my bank info but would not provide me with any agreement information or case #. 
I didn't feel confident about the whole thing so i googled the # and found that many people had reported the same thing. 
XX/XX/2019 - I contacted this company today let them know that i would not be paying them anything until i had documentation. The woman on the other line began yelling stating that she was not my child and i couldn't tell her what i wasn't going to do and then she hung up. I called back and someone else picked up, i then advised them again that i need documentation and that if they call again, i would report them. 
Shortly after this, i received what looked to be a falsely written letter to collect debt. Misspelled words and my full name was not included. This company doesn't even show up on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-02-20
Company: Experian Information Solutions Inc.
State: AR
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 wanted to cosign a vehicle for my daughter and I was told by the salesman that my credit was terrible and that I was not eligible. I asked him what was the reason behind that and he refused to give me that information. I went home and pulled my credit to myself to see what was happening. I found many unknown fraudulent items being opened under my name, social security number and address. This is very unacceptable and I need these items to please get removed fro my credit report. 

XXXX SELF-REPORTED XXXX {$90.00} XXXX SELF-REPORTED XXXX {$100.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$770.00} XXXX XXXX {$2000.00}

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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I called Transunion to request hard inquiries be removed from my credit report for the reason the company did not follow proper procedures to delete and add the inquiries back on my credit report. The representative I spoke with did not approve deleting the hard inquiries from my credit report. I have attached a list of all the hard inquiries I called to get deleted from my credit report.

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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account numbers -- XXXX /XXXX XXXX Account number XXXX XXXX XXXXAccount number XXXX. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you

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 2019-05-14
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today that a collection was added to my credit report in the amount of {$71.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: UT
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:
Equifax, XXXX  and XXXX  are reporting a mixed file to my credit report. There are 5 socials that are not mine on my credit report as well as several names that are not mine. There are also multiple negative accounts that do not belong to me that are reporting and damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Phoenix Recovery Group. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out mentally, emotionally and physically continuously. TimeframeXX/XX/XXXX-XX/XX/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 2020-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On the XX/XX/XXXX & XX/XX/2019 I used my debit card in a ATM machine in XXXX and did not receive the money at all times. There was sixteen transactions in total that Bank of America withdrew from my account totaling {$1900.00} including fees. After may return home I applied for a claim from Bank of America in dispute of the charges made on my debit card. Bank of America sent me the receipts of the transactions in XXXX and the information on the receipts are in total disagreement. On the particular days in question there were no money dispersed, However, Bank of America returned only three transactions and on the receipts there are three more transactions that went through. This leaves ten transactions that Bank of America withdrew money out of my account but the receipts indicate that I did not make a withdrawal. Bank of America has closed my claim without investigating the remaining outstanding ten transactions.

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