BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-22
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BankUnited wrongly reported a delinquent payment to the credit agencies. The bank created an escrow balance based on them having lost the condo flood insurance policy the management office faxed to them. The bank then wrote me a check in the amount of my XX/XX/2016 payment stating the bank would not accept payment that was short of the full escrow amount ( even though the bank incorrectly charged me escrow due to losing flood insurance policy ). The bank pretended as if I never made my XX/XX/XXXX payment which was clearly wrong. I then emailed the condo flood insurance policy to the bank on XX/XX/XXXX, and as of Friday, XX/XX/XXXX, they still have not cleaned up my account ( after receiving the bank check equal to my XX/XX/XXXX payment, I turned around and wrote XXXX checks - XXXX for XX/XX/XXXX & XXXX for XX/XX/XXXX ). Throughout this time, the bank continued to call & harass me as if I was not making my mortgage payment. Bottom line is I want the bank to report the delinquent XX/XX/2016 mortgage payment as a bank error since I actually did make the payment ( the bank seems to want to pretend that I did not make the payment because they would not acknowledge a payment that excluded escrow which I really did not owe because they lost my flood insurance policy and still have not fully updated my account with the documents I had to email them ). I 've never heard of a bank writing a check to a client and then turning them into the credit agencies. I find BankUnited to be grossly mismanaged in a tangled web of incompetent procedures, leading to the left arm not knowing what the right arm is doing. This bank should be investigated for inappropriate mortgage payment processing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00}

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 non-monetary relief
Consumer complaint received 2021-01-12
Company: Experian Information Solutions 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 informed Experian small business that my file contained incorrect and wrong information. I submitted this 2 x in XXXX online with their reporting system to update the information. I sent a registered letter on XX/XX/XXXX to one of the incorrect accounts asking for verification. To this date there has been no verification. I informed Experian via phone call and then on XX/XX/XXXX I filed a formal complaint with Experian. BIN is XXXX. The case number is XXXX. It has been over 120 days that I have been trying to get Experian to correct simple information and they have taken no action. On the website it states that my case is still pending assignment to an agent. It has said this for over 60 days now. They have had ample time to deal with this and they continue to report incorrect and false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be REMOVE/UPDATE immediately : Here as follows are items in error : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The following information is incorrect XXXX Account Number : XXXX Please update all payment, all payment was made on time 12. The following information is incorrect XXXX Account Number : XXXX Please update all payment was made, all Payment was made on time XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 14. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2016-02-11
Company: Primary Capital Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a first mortgage with Primary Capital Mortgage and a second mortgage with XXXX. Primary Capital agreed to do a short sale on my house after I submitted my hardship paperwork to them. I have a sale and purchase agreement on my house and the amount of money the people are offering will pay off the first mortgage completely. Primary Capital told me that I should just seek out a short sale with my second mortgage company, XXXX, so I 've submitted my hardship package to them and they are in the process of looking that paperwork over. Now, Primary Capital has hired a law firm called XXXX, XXXX and XXXX, XXXX to conduct a non-judicial foreclosure scheduled for XXXX XXXX, 2016. I just received this paperwork last week. I 've put pressure on XXXX to please hurry with the short sale so I do n't have to go through the foreclosure with Primary Capital. XXXX has a timeline that they say they must follow. They do n't want to be pushed. I 've asked Primary Capital to please delay the foreclosure to XXXX XXXX, 2016 so that XXXX has more time to finish what they must do to allow the short sale to take place. Primary Capital says they wo n't delay the foreclosure. Primary Capital has asked me to call XXXX, XXXX and XXXX, XXXX to ask them if they 'll delay the foreclosure. I believe this is wrong since it was Primary Capital to hire the XXXX law firm in the first place. My realtor is XXXX XXXX of XXXX. XXXX XXXX 's short sale law firm is called XXXX XXXX XXXX XXXX. XXXX XXXX, from XXXX XXXX law group is the short sale specialisth who has been working with me. XXXX XXXX XXXX is my representative. I feel like Primary Capital is being unreasonable because they know they 'll get their money since the people who want to buy my house are offering more than the amount they require. I am desperate for help because I do not want to go through foreclosure at all. Primary Capital is n't doing what the government says the lenders should do to provide foreclosure alternatives to us homeowners. All I want is to delay foreclosure another month, to XXXX XXXX, 2016 in order to give XXXX Bank the time they need to process the short sale on my house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
DEAR XXXX, XXXX, TRANSUNION ; This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

I have enclosed a list of items that is reporting negatively, inaccurately that your organization has provided to me on XXXX XXXX... Please investigate that all the items are reporting 100 % accurate between all the 3 BUREAUS.. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-11-25
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, I am submitting this dispute due to the fact that I had submitted a dispute pertaining to an outstanding " corporate balance '' Fay Servicing was indicating of {$21000.00}. Fay responded to have removed {$9600.00} however Fay servicing is now indicating the outstanding balance is {$11000.00} in an escrow shortage. A couple of years back I had specifically recalled Fay deciding to pay my property taxes and insurance, they had begun impounding them. I was accessed the shortfall over a period of about 2.5years to cover the payment they had made to the property taxes and insurance the first year they began impounding. They collected the approximate {$12000.00} plus the monthly impound payment over a 2.5years period because it was a substantial balance that I could not pay up front. I would have appreciated they dug in further to review that I had in fact paid that impound shortfall. I need Fay Servicing to do a thorough analysis of my impound payments as they are not doing so. 
How do these servicing company 's get away with imposing " corporate '' fees without doing their due diligence. It is such a shame there are borrowers that do n't question these predators, that are out to ensure the best interest of the note holder not the consumer. 
I was recently re-accessed in my impound account once again because Fay did not properly collect enough the year prior yet they sent me a check of {$700.00} that very same year, to note there were no increases to either my property taxes or insurance. Fay Servicing 's impound department does not seem to be very organized. Is there any regulations or audits that can be done on the servicer 's impound departments to avoid these types of aggravations? These huge errors pose a major financial burden/problem to consumers. 
I am in the process of refinancing my mortgage to relinquish further relationship with Fay Servicing. I would appreciate an investigation be made, this experience has been a nightmare to deal with. I will go through my record 's to pull out all the detailed information pertaining my impound assessments. 
I look to have this matter resolved immediately, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I incurred XXXX overdraft fees between XXXX & XXXX. I feel these are not warranted because of how transactions posted. These fees continued simply because my account had already been overdrafted and more transactions were on their way to posting. When calling PNC, I was hung up on by XXXX person and was given misleading information by several others. Even after depositing funds to satisfy the current overdrafts, I called PNC and was n't made aware that more fees were to come for transactions that I had assumed were posted. Because of the available balances provided on my XXXX App by PNC and also PNC Atm receipts. Staff persons have condescending with me in most cases regarding my valid complaint and inquiry for additional information regarding my finances and my account. I 've filed XXXX complaints which I am waiting to hear back on. I asked about consumer rights/customer rights/ grievance policy in which the individual I spoke with had difficult divulging that information to me. I 've had an account with PNC since 1997. This year I 've had the most incidents with this bank then I ever have. No one is on XXXX accord resulting in the consumers ( in this case Me ) being misinformed results in the bank simply taking my money without transparent and legitimate explanation from individuals tasked with representing the organization. I believe the information accounting process needs to be reviewed for PNC bank and also the guidelines for over-drafting which comes with opting in. An option that I had no knowledge of for the first few years of my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
After, receiving an invitation from American Express to apply for a business checking account. On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a business account on American Express. They claim this was a very easy process and that credit worthiness is not a factor in their decisions. I filled out the form online, and provided every document required. I was denied a new business checking, due to reasons not provided nor I never received. I sent a certified letter to the company that was signed and has a return date of XX/XX/2022 with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: OneMain Finance Corporation
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I have tried contacting this company several times telling them if they can not prove that I owe this debt they need to delete it I also I have contacted all three credit bureaus in writing 2 out of the 3 send me an email stating they can not remove it. this is a violation of the Fair Credit Reporting Act 604 meaning if they can not prove that I owe it I do NOT owe. I also have bank accounts on my credit report I did not open they are not mine they have never been mine there is also an address on my credit report I've never lived at it is not mine I believe someone is using my social security number to open up bank accounts and addresses in my name or my social security number please contact me if you need further assistance or more information I give you permission to contact me thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection notice from Linebarger Goggin Blair & Sampson, LLP claiming that I owe a Florida State toll with a license plate XXXX, FL. I have never owned a car with a Florida registration, ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Alliance One, Inc.
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Received a notice dated XXXX/XXXX/XXXX from XXXX XXXX and XXXX XXXX that they were transitioning customer service to a third party, Alliance-One effective XXXX/XXXX/XXXX, and customers would not be able to receive any information from XXXX ( their transition " blackout '' period ). They issued a check during this blackout period which we received too late to contact them as they disconnected their customer service phone lines and are referring all questions to Alliance-One. This check is unusual, because the annual distribution for this annuity is usually made in XXXX ( XXXX was received in XXXX XXXX ). Alliance-One has inadequate phone support available ( was on hold for 30 minutes on XXXX call and over 25 minutes on a second call ), no online customer service available, and refuses to answer questions until next week, saying they sent out a notice regarding their " blackout '' period ( supposedly XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ). We never received any such letter. XXXX has a track record of issuing payments to us without being requested. They are trying to get rid of their annuity contracts or reduce their value because the minimum interest rate promised is too high in today 's environment. They know the holders of most of their annuity contracts are elderly and are less likely to challenge or question distributions made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Collection Associates, Ltd.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The dept that they are claiming sould have been covered under my bankruptcy in 2010, but has been on my report sense. I would like it to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Genesis FS Card Services, Inc.
State: MD
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:
On XX/XX/XXXX, I received a call from Genesis FS Card Services regarding my account being past due. I provided the representative with my bank information. On XX/XX/XXXX I received an email that the payment did not go through at that time another late fee had been charged. I called Genesis FS regarding this matter and they stated the account number was invalid. I contacted my bank and they stated they did not see the payment pending or attempted. I then called Genesis FS card services to inform them and requested the previous call be reviewed as I provided them with my bank information directly from my bank website. On XX/XX/XXXX I then called Genesis FS as I did not receive the requested mail statements for XXXX XX/XX/2022 as I requested. The representative advised me my account was set up only for electronic, I informed him I have been having issues with the website since opening this account and have tried to resolve this back on XX/XX/XXXX when calling. I am very frustrated with this company and as a consumer it should not be this hard to get help paying a bill.

Company response to consumer: Closed with monetary relief