BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX  XXXX {$300.00} US DEP ED XXXX {$23000.00} XXXX XXXX  XXXX {$1000.00} US DEP ED XXXX {$1700.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$840.00} XXXX   XXXX  XXXX {$65.00} XXXX  XXXX {$0.00}

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 2022-03-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act... 
XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Auto Trakk, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt being reported on my credit report by AutoTrakk is not being reported correctly. Upon pulling my credit report today, I still see that this debt is being reported inaccurately. I have made numerous attempts to rectify this with the AutoTrakk and with the 3 credit bureaus-XXXX, XXXX  and XXXX individually. I keep getting response to my method of validation request as " verified as accurate '' when clearly this account was not verified for accuracy as it is inconsistent and full of errors in comparison to my 3 bureau credit report. I have a right to request an account to be investigated. I want to ensure that everything on my credit report is an accurate representation of myself.For instance, my XXXX  credit report from AutoTrakk is reporting a monthly payment and a balance due on a charge off. I do not have any written payment agreement on file with this company so how is a payment being reported and the balance didn't change. I HAVE NOT MADE ANY PAYMENTS ON THIS ACCOUNT. I am requesting that this be deleted immediately from all credit bureaus or update with the correct information and send me copies of all documentation that support the amounts and/or dates reported on my credit file for this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being called for someone elses debt. Ive called the number to request I be removed from their list and I am continually harassed for debt that isnt mine. It needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: OK
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 disputed a bankruptcy on my report. I was told the Oklahoma XXXX XXXX bankruptcy reported a bankruptcy to my credit report. I contacted the bankruptcy court of the Oklahoma XXXX XXXX and they told me that they did not and do not report to credit agencies. I expressed this to equifax and they told me that they dropped my credit score additional points for filing a dispute. I went back to dispute it again and was told that I am unable too. Listed below you will find a screenshot! They Equifax have also reported that the start date is XX/XX/2021, instead of the original date it was reported! This is incorrect information and needs to be removed! It has been 7 years! Please delete this from my credit file. They refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: PNC Bank N.A.
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I utilized a promotion offered through PNC Bank for 0 % interest through XXXX XXXX. I have made my payments faithfully on time. I used the credit card for purchases in XXXX and XXXX XXXX. I paid the entire balance of those purchases. I understand that my " grace period '' is waived on all new purchases for the credit card. I also understand that my minimum payments go directly toward the promotional balance. Any amounts paid above the minimum payment goes to the highest interest balance. I contacted the credit card company on four different occasions in XXXX XXXX - the XXXX most recent being XXXX XXXX when I spoke with XXXX and XXXX XXXX when I spoke with XXXX XXXX. I was told by both of these representatives, in addition to the XXXX representatives before that ( XXXX of which is named XXXX XXXX ) that my promotional balance is {$2700.00}. They told me that in order to avoid paying ANY interest or fees on the account, I must pay any amount over-and-above that balance. On XXXX XXXX, my next credit card statement was issued. I have attached a copy of that to this complaint. That statement indicates my total promotional balance is {$2700.00}. I contacted the credit card company today, XXXX XXXX, and spoke with XXXX XXXX who indicated that I must pay approximately {$540.00} to avoid interest charges. I asked to speak with her supervisor and I was transferred to XXXX XXXX. XXXX told me that I must pay approximately {$280.00} to avoid interest charges. I asked to escalate the situation to her supervisor and XXXX indicated that she does not have any supervisors or bosses. She said there is no one else who can speak with me about the matter. I asked to file a formal complaint, to which she did file and gave me a reference number of XXXX. I also verified that PNC records all of their phone conversations. I asked whether she would review the previous calls and she said no. 
I do not understand how my promotional balance can change so drastically from XXXX person to another. I was told by XXXX representatives that it was the same - {$2700.00}. I understand a few dollars here-and-there with fees, etc. I was prepared to pay the balance of my card down to {$2700.00} to ensure I would avoid further fees or interest. However, after speaking with XXXX today, it appears that is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: PNC Bank N.A.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to register a complaint against PNC Mortgage and Insurance. I settled on a new property on XXXX XXXX, 2016. The loan was held with Fairway mortgage and later bought by PNC Mortgage on XXXX XXXX, 2016. On XXXX XXXX, 2016, I was notified that my home was now located in a flood plain and required flood insurance which they were going to purchase for me if I did not show proof of coverage in 45 days. I reached out to multiple insurance companies and was told that I could purchase the flood insurance because I was no in a flood zone as PNC mentioned. PNC stated I was in flood zone A and the FEMA database had me listed in flood zone X. 

I am disputing PNC 's records and having them update my mortgage with the information listed with FEMA. PNC stated that they are researching my case and hope to have resolution in 10 days. This will put me over the 45 day period and they will purchase insurance for me at an annual premium of {$2200.00}. The standard insurance policy would normally cost {$500.00} for coverage for my home. My complaints are XXXX fold. First, that they are forcing coverage when FEMA is stating the home is not in a flood zone. Secondly, that the forced coverage is extremely overpriced and they are using this forced coverage not to insure me as the homeowner and them as the lender, but for financial gain. 

I would like to bring this to your attention and request that you review and investigate PNC 's practices in this area.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A mediator from the office of XXXX XXXX, Pretrial Mediation called and stated I owed a debt of XXXX from a few years ago to a pay day lender ( whom I have never been the recipient of funds ). The caller stated I closed the bank account and that was fraud. Not true. She refused to give me any contact information or send any documents as proof of this charge. Threatened me with a federal offense ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I paid check n go {$550.00} by my debit card by phone. Later when o checked my account there was a pending charge for {$490.00} that I did not authorize. I contacted them and they stated that it was n't in their system so there was no way for them to reverse the charge and assured me that the charge would fall off. I expressed my concern that this pending charge would cause my rent to bounce and they advised that anything that I am charged such as bounced check fees or late fees as a result of their error would be reimbursed. My bank was unable to do anything because it was a pending charge and had not gone through yet.Because of this I went ahead and paid my rent hoping the charge would fall off. It did n't fall off until 5 days later and as a result my rent bounced and I was charged {$200.00} in fees. I contacted check n go and advised I have screen shots of my bank acct as well as a letter from my bank proving all of this. The rep spoke with his manager who said that they will not help me because they do n't show it in their system. I asked to speak with the manager and I was told no to go online and complain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14
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: Information belongs to someone else

Complaint:
I REVIEWED MY CREDIT REPORT AND NOTICE THERE WERE SEVERAL ACCOUNTS THAT WAS ON THERE THAT DID NOT HAVE KNOWLEDGE ABOUT MY ID WAS USED OVER THE YEARS I DID NOT GIVE ANYONE CONSENT OR PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call from multiple numbers sometimes from different states to get people to pickup. So far this month I have received 5 calls. I do not want to talk to this woman who has my case file. I have never had issues with collectors beforw. But this whole thing seems fishy to me. When I got evicted I only owed XXXX that was what was on my eviction notice. About 7 months later I get a call in the middle of my college class, not one call almost about 10 to 20. I thought someone in my family died. The lady would n't let me get off the phone to go back to class and so I hung up. Week or so later I get another call, and I 'm trying to figure things out there were some issues with the apartment like mold that I needed to get an answer for and she kept talking over me yelling saying that I said I 'm refusing to pay the debt, that I have n't given anything in 6 months and that I 'm irresponsible and that she was going to call the apartment complex I rented from that I qas evicted. Now I disclosed to my landlord that I was evicted and I rent from a place that allows to rent with evictions so I covered my XXXX. They threatened to call my parents who have no connection to the lease I signed for the apartment I got evicted from and I told them they were not to do that because they did n't sign anything and we 're not liable and could n't help me out anyway. I just got berated and talked over the whole time. They call me at least 5 to 10 times a month. I got some legal advice because apparently they are tacking on interest to my bill which when I got the letter from them finally saying what I owed it had gone from the XXXX on my eviction notice to XXXX dollars and now I 'm up to almost XXXX dollars. I do n't give them anything because I have n't received a statement of everything I have charged for the lady told me over the phone, but I do n't even know what I am paying for. I feel violated and do not appreciate the aggressive behavior that has been exhibited by them. I also asked to speak to the owner or the head of the company and they refused to connect me with him so I do n't know what 's going on. I looked them up online and there are pages of complaints by people saying the same thing I have they get harassed, multiple phone calls, threats to call third parties, threats to call apartments we rent from. I just wanted to let y'all know that I read the fair renters act or law and they break quite a few things on it. I also got asked to settle by XX/XX/XXXX for XXXX or something like that and XXXX by XX/XX/XXXX. With my job I ca n't make that ever, not even close I work for tips and even if I worked every day all day the entire month I would be nowhere close to that. They seem to set high high expectations and I ca n't do it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted all 3 credit reporting agencies. They have not corrected this issue yet. I have gotten my credit reports from them as well and it is showing accounts that are supposed to be closed still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received a letter from Synchrony Bank concerning my sleep number account. The letter stated my account was closed based in part on a credit scoring system that was used to PREDICT my creditworthiness. Is profiling appropriate or legal on a account that is in good standings with a XXXX balance? 

I have never been late on this account with Synchrony Bank, further the several thousands dollar purchase was paid off in full, never late and my credit limit with Synchrony Bank was increase without my asking/solicitation due to my account in good standings. My mortgage, auto, credit cards and other bills are all in good standings so why? 

The company was contacted and unwilling to reopen my account thus directly NEGATIVELY impacting my credit score and worthiness without justified cause. I have a total of THREE accounts with Synchrony Bank and ALL are in good standings and two of the three have a XXXX balance. Does this make any sense? 

My account as been paid in full since XXXX and I have maintained a XXXX balance. It is my belief the actions taken by Synchrony Bank are unjust, a unethical business practice and one that harms consumers as there decision and action without due cause will impact my credit score adversely.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt is no longer collectible since I already settled the debt in full to XXXX. In my attachment, you will find a letter from XXXX XXXX or XXXX claiming that this account has already been settled.

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 2022-10-11
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I represent XXXX XXXX in a reverse mortgage foreclosure case based upon an alleged property charges default. XXXX XXXX sought a repayment agreement to repay the approximately {$6000.00} due. She submitted her repayment plan application to PHH Mortgage in XXXX, 2022. 

I have constantly and consistently asked for a status update on the application every week or two since XXXX, 2022. The only response I receive from PHH 's counsel is " I will check with my client. '' At one point they said they needed an occupancy certificate. They already had a signed copy of a current occupancy certificate. I have proof of delivery. We sent another one anyway. Still no response. 

I can not fathom that it would take them 6 months to make a decision. PHH has had and still has the documents requested from XXXX XXXX. If PHH does not have all of the documents needed, it should at least inform XXXX XXXX what it is missing. The complete lack of communication is troubling. 

I have escalated the case to HUD with no resolution after several months. 

We are now approaching trial for the second time, and PHH still has not responded to any of my inquiries about a repayment decision after having the application for 6 months. 

XXXX XXXX clearly has sufficient income and despite her age and physical difficulties took on a part time job at XXXX XXXX XXXX to repay any delinquency. She has also completed her application for XXXX funds. 

I fear for the second time that it is dragging this out past the trial date so it can cause XXXX XXXX the loss of her home without providing her with the repayment option. Alternatively, the closer we get to the trial date the more XXXX XXXX will feel obligated to take whatever PHH offers, even if problematic under the threat of the loss of her home with the impending foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In the past year, I made at least two requests for my free annual credit reports on XXXX. One attempt was on XX/XX/XXXX, where I got my XXXX and XXXX reports but was told that I had to mail in a request for Equifax. Another attempt was on XX/XX/XXXX, where I was only able to obtain my XXXX  report and was told I had to mail in requests for Equifax and XXXX. 

I'd like to obtain my most recent Equifax and XXXX reports online. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Received attached letter, dated XXXX XXXX 2015, from Citibank. 

XXXX XXXX stated in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that " Because payments to government agencies are commonly made by check ( e.g. for payment of taxes ), we recommend that you schedule your payments with this in mind as Citibank is not responsible for any fees you may incur as a result of late delivery of a check through the postal system. " This statement implies that Citibank can make a check payment to the IRS. 

However, this is INCORRECT. 

I tried to set up the IRS for a check payment using Citibank 's BillPay, but was unable to do so. See Payee Details attachment. 

XXXX XXXX further states in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that Citibank found no record of receiving my letter requesting a copy of the user agreement. I sent this letter using a Citibank postage paid envelope addressed to Citibank Client Services, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Please explain why this letter was never received. 

Thank you very much for your assistance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
After having been a victim of ID theft, Home Depot Credit ( CITI ) closed my account without authorization, and after reading terms and condtions this is not a disclosed action that they commited. I have been a longstanding client with perfect pay history for over XXXX years. the issue is that this is not something that their terms and conditions disclose can be done, and therefor i would like my account reopened

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
State: CT
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:
this company started reporting inaccurate information in my credit report, and refuse to remove it. I started an investigation on XX/XX/2020 and up today they have not remove all inaccurate information that is hurting my reputation.

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