BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: PNC Bank N.A.
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I received a check form the State fo Delaware Office of Unclaimed Property in XX/XX/2016 and this was placed in my XXXX account for clearance. The bank sent this check to PNC Bank in USA for clearance on or about XX/XX/2016 and upon my follow up on XX/XX/2016 ( 8 weeks after presentation ) and a telex to PNC the check was returned on XX/XX/XXXX and I was informed as follows : Date : XX/XX/2016 at XXXX Subject : RE : XXXX- Inward XXXX cheque The update we received from the inwards cheque clearing team is as follows : 1. The original cheque was returned back to XXXX. 
- No reason was given on why the original cheque was returned to XXXX 2. The cheque clearing team has sent the drawee bank a demand draft for the upfront fee XXXX and the Cheque has been re-sent to the drawee bank via DHL On XX/XX/XXXX I requested an inquiry and was told telex and messages were sent to PNB but no response. On XX/XX/XXXX I escalated this to Officer in Charge and received this response : " We have just spoken to our Payment team & our investigation showed that we have since sent 6 SWIFT messages & 3 chaser emails to PNC Bank pertaining to this matter but we have yet to obtain any response on this matter. 
You may like to approach XXXX ombudsman and lay a complaint if there could assist us in obtaining a reply from drawee bank PNC. '' PNC has had this check since XXXX to date and has failed to either cash this check or provide a response. They have taken the payment of XXXX ( XXXX ) and ignored status inquiries. In another 2 months this check will expire and I will have to have it reissued at considerable expense and time. This is unacceptable for cashing a US department check and I would lke to know what PNC intends to do to remit the said funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: SUNTRUST BANKS, INC.
State: ND
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have made payments as scheduled on my loan from SunTrust continuously. Earlier this year, they fraudulently added a past due amount of approximately {$220.00} to one of my bills despite have records of my payment on their site. This was resolved with a phone call, and they removed the amount. It has happened a second time this month, billing a past due amount of {$220.00}. I have records of my last invoice of {$260.00} and subsequent payment of {$300.00}. Having happened twice in the same year, I am concerned that this amounts to billing fraud. 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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. Please see attached document and ID as it contains my full complaint and requests.

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I HAVE THE RIGHT AND I HAVE NOT WAIVED THEM ..... 

Pursuant to the Fair Credit Reporting Act, 602 ( a ) ( 4 ), right to privacy [ 15 U.S.C. 1681 ] and 604 ( a ) ( 2 ), credit reporting agency must not report without written instructions from consumer. [ 15 U.S.C. 1681b ]. 

The following companies listed below are violating my rights : [ XXXX ] = XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XX/XX/XXXX, XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # : # # # # # # # # XXXX [ TRANSUNION 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 XXXXXX/XX/FINGERHUTXXXX # : XXXX XXXX. XX/XX/XXXXXXXX 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. XX/XX/FINGERHUTACC # : XXXX XXXX. XX/XX/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 2022-06-18
Company: Experian Information Solutions Inc.
State: MA
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 Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right of privacy 15U.S.C 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish a 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 2018-02-08
Company: Paramount GR Holdings, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in the process of refinancing my home past autumn. Told my they would need $XXXX for my home to be appraised. On XX/XX/17 they took $XXXX out of my credit card. Then I was told there could be no peeling paint on my house and to fix my house for the appraiser. To paint in XXXX. in Colorado in not an option. I changed my mind and backed out of the loan. I wanted my $XXXX  back as they assured me I could do. Have not been able to get my money back. Have not been able to even get a phone call back. I have called many times. No calls back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14
Company: Experian Information Solutions 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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2015-11-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX I pulled my credit report and found some questionable items which I disputed. Experian investigated these items and much to my surprise when I ran a report on XXXX, they inserted accounts that were n't on my report from XXXX XXXX. These were frivolous accounts from XXXX XXXX XXXX, that were closed back in 2011, which I had disputed before and removed. However, now Experian has illictly put them back on my credit report and they did not even serve me notice of re-insertion as required by the Fair Credit Reporting Act. 
When I disputed these accounts in XXXX with Experian, arguing that they can not re-insert accounts without serving me notice, they ignored my request and kept these accounts on my credit report. 
The accounts are listed under the following account # XXXX ... XXXX ... XXXX & XXXX. 
I have attached the before and after reports from Experian from XXXX and XXXX, that show the re-inserting of accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had a lease with Toyota, for a Toyota Camry XXXX, starting in XXXX XXXX thru XXXX XXXX. My wife is the primary driver and soon after getting the Camry, we wanted to trade the Camry back in and get something that sat a little higher up and would be better in the winter time. Between XXXX XXXX and XXXX XXXX, my wife or I went back to try to work a deal out with Toyota for getting another vehicle, and each time Toyota wanted {$75.00} - XXXX/month more for a vehicle, which was out of my budget. I finally went to XXXX and worked a deal for a XXXX Rogue in XX/XX/XXXX, XXXX agreed to pay the Camry off in full and return the car to Toyota, the XXXX salesperson called Toyota financial for a vehicle payoff amount and Camry was paid off. In XXXX XXXX, Toyota sent me a bill for a month 's payment, which was XXXX and a Disposition fee of {$350.00}, which Toyota claimed to be paid by XXXX/XXXX/XXXX. I did not pay it, and am filing this claim because Toyota will end up sending the bill to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-22
Company: EQUIFAX, INC.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: SC
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 XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2017-05-29
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Back  in   XXXX   XXXX   2 016      XXXX   XXXX   posted negative information on my credit history. I disputed with Equifax and the other  XXXX  credit reporting agency o n   XXXX   XXXX  , 2016, a nd the negative information was removed from my account o n   XXXX   XXXX  , 2016. E quifax gave me a confirmation #  XXXX  after deleting the negative information.   Afte r one year  the same negative information reappeared under different collection agency (  XXXX   XXXX   XXXX   ). Eq uifax did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never lived at  1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX   2  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   3  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.

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 2022-06-18
Company: Experian Information Solutions Inc.
State: CO
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-18
Company: Experian Information Solutions 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:
All 3 bureaus have been reporting an account with inaccuracies for a while and I have disputed it with all 3 at least twice before and they refuse to comply to the FCRA.

1. This account states it has been settled. Under the FCRA 15USC 1681 602A I have the right to privacy and under 15USC 1681 604A Sec2 You are not allowed to furnish an account without my written consent and instruction. 
XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account, you have not been given consent or instructions of how to correctly report this account. It is inaccurate such as the dates of activity reporting differently between you and the other bureaus. This account has multiple FCRA violations, delete it! 
I gave them no permission or instructions for this account which is inaccurate down to the different activity dates, dates of last payment, date of account starting etc.

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 2020-01-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have received multiple letters saying we need to have more flood insurance. We have provided multiple documents showing that we have more flood insurance than the loan amount. 
They bought more flood insurance and billed us for it. They just send a generic rejection without giving us guidance as to what amounts we need and WHY.

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 2022-02-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Pennymac on XX/XX/XXXX stating that XXXX YOU RECEIVED THIS NOTICE '' Because HO insurance is required on your property, we plan to buy insurance for your property ... .. ( i will attached a copy for the full language.

I signing into my loan portal with Pennymac and can see that they disbursed the insurance premium from my escrow account on XX/XX/XXXX. I can also see that they reflect a policy expiration of XXXX. 

I then send them a message ( in loan portal ) asking why they would send me this letter with this language when they pay my insurance. They indicated that they need to update their records. Which I can understand but the language is not appropriate for what is actually needed. 

I am reaching out to CFPB because I believe there language is very threatening when I did nothing wrong. I work in this industry so I know better, but other Veteran would not and this caused UNNECESSARY STRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: NY
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 am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We had our primary home foreclosed on XX/XX/XXXX, at the time we had a XXXX Mortgage as well as a XXXX Mortgage/Equity Line, both with Wells Fargo. The XXXX Mortgage has reported to the credit bureaus that the debt is attached to a property that was " Foreclosed '' and stopped actively reporting to the credit bureaus at that time. However, the XXXX Mortgage was listed as a " Charge Off '' but is still actively reporting every month to the credit bureaus. After consulting with a handful of real estate attorneys and Banking Mortgage Representatives, we are hearing from all of them that any attached mortgage should cease reporting on a monthly basis to the bureaus, and simply be listed as a " Charge Off ''. We already have the burden of carrying a foreclosure on our credit, but having the XXXX mortgage continue to report each and every month is simply insuring that we ca n't rebuild our credit. 
We submitted a dispute to Wells Fargo XX/XX/XXXX, using the fax # provided to us by a Wells Fargo Representative, requesting that we receive some feedback about this matter within 30 days ( the fax and confirmation are attached ). We have yet to hear anything from Wells Fargo, so we are asking for assistance from the CFPB. Any feedback that we can receive will be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Lender failed to discharge the mortgage after it was paid off more than a year ago.

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 2015-11-19
Company: Flagstar Bank, N.A.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My servicer left a blank envelope at my door with only the words confidential and an XXXX number to call. I called the XXXX # the same day I received this ambiguous notice. The rep advised me I was due for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my mortgage. I offered to make one full payment now for the following business day, with the entire balance of the arrears to be paid at the end of XX/XX/XXXX. The representative, and the supervisor that followed my conversation, both refused to take the payment because a demand letter had expired the day before. Instead, they are requiring the full arrears be paid now by secured funds ( XXXX XXXX or equivalent ). I specifically asked that if I had received the number and called yesterday would my payment have been accepted and I was told yes by both the agent and the supervisor. 
I advised the Supervisor that I was out of state tending to a family matter and the default notice they claim was sent was not received. Further, I called them immediately upon receipt of the door notice. Despite this, the supervisor and agent refused to take my payment and arrangement ( which I was willing to confirm both as payments by phone to secure the arrangement ). 
I am additionally concerned that my previous CFPB complaint regarding their practice of charging fees for payments and suppressing internet payment functionality may have adversely impacted their decision making process in this case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation