BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is reporting a medical debt on my name under collection account in the name of " XXXX '' in the amount of {$440.00}. It was deleted off my credit file in XX/XX/XXXX because the collection agency failed verify the debt in 30 days. But Equifax reinserted the file in XX/XX/XXXX and since then refusing to investigate the account even though this account is closed and ca n't be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Stearns Ventures, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I settled on a home on XXXX XXXX, 2015 knowing that I would sell my previous home within the month. I was told I could request a " recast '' with no problems ( agreeing to a {$300.00} charge ) and have my mortgage lowered to reflect that large payment from the sale of my home. I have been trying to get this information from Stearns XXXX XXXX XXXX since XXXX XXXX, 2015. To date I have not had any response from them & every time I call I get another round of excuses & promises that are never completed. I have spoken with several different representatives and everyone gives me a different story. Three times I was told that the information was either mailed to me or emailed to me ; but, I never receive anything. An automatic answering message states that the last time my loan was analyzed was XXXX 2015. That is when I took out the loan! I have been calling @ least 7 times within the last 6 weeks and have heard nothing from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: PNC Bank N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The terms for the fees on my checking account changed without my knowledge. I am now being charged a $ XXXX/mo fee because the minimum deposit amount changed from $ XXXX/mo to $ XXXX/mo for their workplace banking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: EOS Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for 9 years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CMRE Finance   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , CA  XXXX  Dat e  XX/XX/XXXX  Dear C  MRE Finance  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in (   XX/XX/XXXX  )    on my   XXXX   report. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA  authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be  HIPAA compliant can be a violation of the FDCPA becaus e you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Sincerely,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: IQOR US INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
cable i never had and they want me to pay for something i didnt do

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: Global Lending Services LLC
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: Account information incorrect

Complaint:
Global Lending Services ( GLS ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which GLS is reporting as a Foreclosure to XXXX and XXXX. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to XXXX. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. GLS has also reported to XXXX a date of last activity of XX/XX/XXXX while XXXX shows XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Since you are at the point of being eliminated, I want you to take this very seriously. PNC bank lost thousands of my money in a XXXX project on a LOC. The Bank did not adhere to original contract instructions and used extortion for me not to sue them. Due to a ineffective representation by my attorney, and not being able to contact PNC this has been a nightmare. You fined them once for illegal transactions and foreclosures which happened to me and I am not backing down. Under the FOIA I request that you contact someone other than the XXXX because they only send the same XXXX documents. No one from the XXXX asked me for the original contract or even contacted me. I am tired of this corrupt government entities and being a XXXX year federal employee an very aware how the government works and the waste, fraud and abuse of funds. I am not going to let them take my money and ruin my life which they have, If you look at all PNC complaints you will realize what they have done to many people. I want them prosecuted for the entire LOC and I want damages because it killed my father and ruined my life. They did not know what they were doing and a corrupt township not following state enacted laws and regulations were incompetent. Pennsylvania is number XXXX in corruption and the oversight committee in the state are licensing boards. I have filed with the XXXX and even sent a FOIA request to them and have hard nothing. This is against the law and the previous director was formerly a bank lobbyist in XXXX. I am not asking for anything that should not transpire and I want them prosecuted again. 
Please respond or I will write the White House. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX P.S. Do not tell me you are not capable to exercise your right in this transaction and under FOIA you only had so many days to respond. The Bank extorted me to sign a document that I would not sue them. What does that tell you. At first I refused but my attorney said they would not release funds I put in myself other than the LOC which is illegal. Waiting to hear from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
PNC bank, which I chose to handle my mortgage refinance loan, issued me a lender credit via email, but is refusing to provide me an updated Loan Estimate document reflecting this credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: SKO Brenner American, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
While living in  XXXX   XXXX   XXXX ,  XXXX ,  XXXX  alarm company provided alarm service to my house in  XXXX . In  XXXX  of  XXXX  I notified them by phone that I sold my house. I asked if they provided service for  XXXX ,  XXXX  where my new house was located. They told me that they could provide this service.     I asked them to disconnect my alarm system so I could take the wall unit with me to  XXXX . A  XXXX  employee said they did n't have an employee to do this, since somebody was dismissed, or quit. Instead, someone talked me through disconnecting the wall unit for the alarm system.     After arriving in   XXXX   I called them at least three times to request that they install the alarm system in my house. They said they would, but could n't give me a date. Every time I talked to them they said they needed to recover the contact points from my old house first, before they could install in my new house. I gave them my realtor 's phone number to aid them. This went on for three months, from  XXXX   XXXX  to  XXXX   XXXX ,  XXXX . At this point I called and said that I had been without service for three months and asked " How can I trust you to provide emergency service to my house if you ca n't even install the alarm in my house? '' I notified them on  XXXX   XXXX ,  XXXX  that I was cancelling my service with them for non-performance of our contract for the previous 3 months.     I was paid up when I left  XXXX   XXXX   XXXX . They never installed a system in my house in  XXXX . They continued sending me letters asking for payment for service they were n't performing in  XXXX . They harassed me constantly with these letters. I sent some back and destroyed others. I have the most current one which is from  SKO Brenner American , Inc,  a collection agency. They 're asking for {$1300.00}. This contrasts with the first request from  XXXX  which was for {$300.00} on  XXXX / XXXX / XXXX . I also have this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
We contracted with an auto transportation company to transport our vehicle from XXXX to XXXX. A contract was signed under false pretenses. The misrepresentation from the transport company resulted in us being charged {$740.00} by our credit card company. The transport company never transported our vehicle. We attempted to resolve this issue with Barclaycard, but they were unwilling to refund the amount. However I digress. XXXX XXXX XXXX lied to us, so we canceled the contract. The contract had a " non-refundable '' clause. This is what Barclaycard is using to withhold our refund. The contract was executed in XXXX. XXXX Statue section 817 Fraudulent misrepresentation stipulates : Under contract law, a plaintiff can recover against a defendant on the grounds of fraudulent misrepresentation if ( 1 ) a representation was made ; ( 2 ) that was false ; ( 3 ) that when made, the representation was known to be false or made recklessly without knowledge of its truth ; ( 4 ) that it was made with the intention that the plaintiff rely on it ; ( 5 ) that the plaintiff did rely on it ; and ( 6 ) that the plaintiff suffered damages as a result. 

The contract is null and void, however. Barclaycard is refusing to follow XXXX statues by allowing the merchant to bill for services they never provided. We chose to use another transportation company and contacted XXXX XXXX XXXX to cancel our request, which they did, but still charged us the entire amount it would have cost to transport the vehicle. 

In closing, we were charged {$740.00} for a service that was never rendered and Barclaycard has refused to refund our money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Issue: Other fee

Complaint:
Over charged account, sold disputed account, filed false information on my credit report. which resulted in my XXXX being terminated with the XXXX while I was XXXX XX/XX/XXXX and unable to work at my XXXX in XXXX XXXX FL as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there.  XXXX   XXXX  is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with   XXXX   and say it is still valid. i Had  XXXX  credit cards with   XXXX   XXXX    (  XXXX   was formerly  XXXX  ) and I had difficulty paying them i n  XX/XX/XXXX - XX/XX/XXXX  and   stopped paying them. Las t    XX/XX/XXXX , I c alled  XXXX   XXXX  and paid off all of the debts. They had sold it to  XXXX   XXXX . I have told them that I already paid   XXXX   XXXX   and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from  XXXX   XXXX  that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to  XXXX  and other collection agencies for the same amount of money. They also need to be corrected and removed  XXXX  also refused to take off  XXXX   XXXX  and  XXXX   XXXX  collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated.     XXXX   XXXX   XXXX   XXXX  - XXXX  accounts. They were paid off completely and in full. THey are not charged off.    XXXX   XXXX  They  did not verify it belongs to me.  XXXX   XXXX  is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify.     So all these inquiries need to be removed.

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 2015-09-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an account opened on my credit report that I did not open. I have just recently been released from incarceration year XXXX. The Day of my incarceration was XX/XX/XXXX. The account was opened during my arrest : Last Reported XX/XX/XXXXCreditor Name CERTEGYAccount Type Returned CheckAccount Status OpenOpened Date XX/XX/XXXXClosed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance $ XXXXHighest Balance -- Payment Status Collection/Charge-OffWorst Payment Status -- Date of Last Payment -- Amount Past Due $ XXXXTimes 30/60/90 Days Late XXXXRemarks Charged off account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In   XX/XX/XXXX  I  reviewed my credit report and a  XXXX  account that I did not recognize was reporting on my credit report as a charge off with a    XXXX   XXXX   bal ance. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and Equifax and   XXXX   verified the account.  XXXX  stopped reporting the account. Equifax and  XXXX  referred me to  XXXX . O n  XX/XX/XXXX   I  w rote my first letter to  XXXX  asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from  XXXX  in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.     I have sent two other letters, ( one on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) s tating that I believe that the  XXXX  account was opened without my knowledge or consent.  XXXX  has not responded to either letters. Equifax and  XXXX  continue to report the account as a open charge off with balance from  XXXX .     It has now been 8 months and I wrote  XXXX  a letter on   XX/XX/XXXX  to c ease all reporting of this account for failure to send me needed documents to show how I have a financial obligation the  XXXX   Credit Cards. S ince this is now my  4th let ter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that  XXXX  is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel  XXXX  is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.     According to the  C.F.P.B.,  what are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is  XXXX  exempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
The compan y Transworld Systems Inc. is a third-  party company that bought a collection from a company by the name of  XXXX   XXXX   XXXX . It was assigned on my credit report on  XXXX   XXXX ,  2017  for the amount of {$1500.00}. The company then lowered that amount to {$510.00} on  XXXX   XXXX ,  2017 .  Transworld Systems Inc.  is NOT a bonded third-party company in the state of Texas, therefore it is against the law to collect on a debt or report a debt to the credit bureaus. I contacted the company Transworld and asked that they verify information and was unsuccessful, Please remove from all   XXXX   bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Addendum to XXXX. CPRS claims letter was mailed to address on file on XX/XX/XXXX. I did not receive mailings from this company. Also, in the reply from CPRS, there are some companies, to which I do not conduct business with, that are raising some serious concerns. I do not conduct business with XXXX. I have been with XXXX, since XXXX. Also, I do not have an account with XXXX. My vehicle is currently financed through my local credit union. I previously had an account through XXXX, to which that account was closed in XXXX. Also, I do not have dealings with XXXX XXXX. These account belong to others. Also, this is very alarming, as others may have my account information, as well as I was sent account information on others. Also, the date of XX/XX/XXXX, is from a fax server. This hereby proves no letter ( s ) was ever mailed to me.

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