BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-13
Company: PNC Bank N.A.
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company is PNC. I have been a homeowner for 16 years with them and have never been late on my mortgage. I have my insurance and taxes as part of the escrow. A few years back I contacted them to see if I could refinance to get a lower rate. They sent someone out to the house, charged me XXXX and then told me that i could not refinance and my house was only worth a certain amount. The town in which i lived had the house assessed at double what the mortgage company was telling me my house was worth. Fast forward to this year, I asked the mortgage company if I could apply for a deed in lieu or a short sale due to the reasons of my husband passing away and my working in another state and the house sitting empty. At first, they told me that I was approved for a deed in lieu, took a lot of information from me and then the whole summer is spent with me putting my belongings in storage, all the while waiting for them to give me the next step of directions, only to be told at the end of the summer that i do not qualify for a deed in lieu or a short sale because my mortage is current. I told them that I had a letter proving that they told me that i had been approved and of course the mortgage is current, because I wanted to do the responsible thing and was awaiting to hear from them to tell me to stop payment. The person I was speaking to told me that they would not ask me to do that, even though I believe that would have been the only way I might have been approved. As I am trying to move on with my life in another state, I find that my hands are tied to seek out another home to buy. they sent me their official letter stating their reasons for denial and an address and number if I wanted to complain. The number was not yours. I found out about you through the article in XXXX magazine. I have spoken with a friend here in Maine who is a real estate lawyer and she was surprised that they had approved me for the deed in lieu. She suggested that i put the house on the market for the amount the town has it assessed at. So now, I get a copy of my mortgage statement which they send every month, even though I have direct deposit to them and as I am reading the breakdown on the statement, it says that my monthly payment of XXXX was received on XXXX/XXXX/2015 and that the payment to the principal was only XXXX! How can that be? My monthly payment is paying more for interest, insurance and taxes than the principal! Something is not right here. I would appreciate some advise and your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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:
Im really disappointed. I already sent you few complaints about there accounts. I pulled update and you didnt take it off from my name. Im sure that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Lendmark Financial Services
State: PA
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 took out a loan with Lenmark financial and I defaulted on the loan Lendmark financial then sold the debt to XXXX XXXX XXXX XXXX. I settled the deck with XXXX XXXX XXXX XXXX and they gave me a settlement letter the account on my credit report is still showing derogatory and charged off I filed a complaint with consumer finance. XXXX XXXX replied that they reported the status of my account to the creditor. Lendmark has not updated my credit report to show settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: ND
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Profit Services Group
State: GA
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 have continuously received harassing calls from a Profit Services Group ( PSG ) in regards to a gym membership with XXXX XXXX XXXX that was cancelled XXXX years ago. I have spoken with the gym, with the financial processing company and with PSG in an attempt to resolve the issue, I have been informed numerous times that the issue is resolved. XXXX XXXX XXXX and the financial processing company both acknowledge that the matter is resolved, however PSG ( the debt collection company ) is still continuously calling and harassing myself as well as family members.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: LA
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX a Payment of XXXX was sent to the IRS from my BANK ACCOUNT. Since then I have been disputing with the IRS and even sent a document from the bank proving that the payment has been made. The bank removed the dispute the transaction option from this payment and has not allowed me to dispute the transaction stating " THERE IS NOT A CATEGORY TO PUT THIS DISPUTE IN '' Whch is absolutely ridiculous. I want my money back NOW.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2016-03-07
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
On or about XXXX XXXX, 2016, we applied for a mortgage with PNC Mortgage for the purchase of a condominium in XXXX, PA. Previously, we had been pre-approved by PNC. PNC knew from the very beginning of the application process that we were purchasing a condominium. We obtained a locked in, fixed rate of 3.75 %. We received numerous documents during the process reflecting that same locked in, fixed rate. The agreement called for a closing date of XXXX XXXX, 2016, time being of the essence. On or about XXXX XXXX, 2016 -- one week before closing -- we were informed by telephone that our interest rate had increased from 3.75 % to 3.875 %. The person who phoned - XXXX XXXX - was not aware of the reason for the increase. When we inquired of the loan officer, XXXX XXXX, we were advised that the underwriters ( who are employees of PNC ) determined that our condominium was " unwarrantable '' because of a slip and fall claim against the Condo Association, this despite the fact that PNC was aware and had confirmed that the Condo Association had coverage of XXXX for the claim. We were never advised, orally or in writing, at the time of application or any time throughout the process, that our so-called locked in, fixed interest rate was subject to increase. The loan officer stated to us that he realized the claim would never reach the condo owners, but it was the decision of the underwriters. He alluded to the fact that this happened often with condominums. Yet, he never felt the need to warn us ahead of time that this was a possibility. It was represented to us by his manager that he is a very experienced loan officer. Therefore, we believe he should have known and should have warned us at the start of the process. 
The explanation and justification of the condo being " unwarrantable '' is dubious at best, and deceptive at worst. We believe it was a convenient way for PNC to increase our interest rate and monthly payment. Although the payment increased by only {$26.00} per month, over the course of the 15 year loan, that would add up to {$4700.00}. Because of the delay caused by our need to process this information, we had to ask the Sellers for a delay in the closing. Fortunately, we were able to close on XXXX XXXX, 2016. 
We believe we are entitled to a reduction in the interest rate to 3.75 % and a refund of {$26.00} per month until this matter is resolved.

Company response to consumer: Closed
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 had a loan with XXXX XXXX they took me to court I won was dismissed in court and I've disputed it with all the court paperwork showing this count was disputed and I won it's in my favor I'm disputed it a few times with Transunion and XXXX but it just seems like they're not caring and they're not fixing anything they're taking their side over a court order it's a {$5.00}, XXXX XXXX XXXX there shouldn't even be showing on my credit report any longer it was dismissed an open court I sent the credit reporting agencies paperwork and they still refuse to fix it

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 2015-08-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My Ex-Husband walked into a Wells Fargo branch to apply for a re-finance on his home. During the application process the bank obtained my information and ran my credit four times, as well as gave my ex-husband detailed information from my credit including my score and recent inquiries made on my credit. My name is not on his current home loan not is it on refinance application. I was never notified verbally nor in writing that this was taking place by Wells Fargo, and only became aware when I checked my credit online and saw the inquiries from WellsXXXX Fargo. I have no bank account, credit card, or outstanding loans with Wells Fargo, and as such it is a direct violations of the Fair Credit Reporting Act to obtain my information and illegally run it multiple times, as well as disclose private information to an Ex Spouse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Central Business Funding
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX   XXXX   XXXX     To wh om it may conc ern : In  XXXX  I had signed up with a business by the name of Central Business Funding, this company was supposed to assist me in bettering my credit, even though I have excellent credit. They were supposed to get me started in a business, and by them monitoring my credit they were supposed to put me in contact with lenders that would loan me money for this business, using a busines s credit score, as opposed to using  my personal business score.   Central Business Funding was a scam, all they did from the start when I signed up with them, was to charge my accounts for $  XXXX  of dollars. For months they withdrew money out of my accounts, and did not provide the services that they claimed that they would do.   In    XXXX   XXXX   XXXX   , an attorney at   XXXX   XXXX   XXXX   XXXX   XXXX   wrote a demand letter for me demanding that Central Business Funding pay me back the {$1200.00} dollars that I had paid to them for their fraudulent services, and I have not received my money back as of yet.   Now this collection agency   XXXX   XXXX   XXXX   is trying to charge me the {$1200.00} that Central Business Funding fraudulently stole from me.   I need your assistance, I dont owe Central Business Funding anything, nor do I owe this fraudulent collection debt, and since  XXXX  is stepping up for Central Business Funding, between the  two  companies, I want them to refund back the {$1200.00} dollars that Central Business Funding took out of my personal accounts.   I looked up this    XXXX   XXXX   XXXX   XXXX   and  this is what it states regarding this collection company.   They are a    XXXX   XXXX   XXXX   XXXX   XXXX    filed on   XXXX   XXXX   XXXX  . The companys filing status is listed ad Inactive-Dissolution by Proclamation/Annulmen and  its File Number  is  XXXX .   The Registered Agent on file for this company  Is   XXXX   XXXX   XXXX  and is located at  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Capital Alliance Financial, LLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
The lawyer filed the paper work stating that I have been served paper work to appearing court for a collection on a debt that I owe. I never had anyone from a court serve me paper work in person. I found out later that a judgement has been issued for me to pay, so I 'm filing a complaint against the law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC
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:
I was informed XXXX days ago by my future employer that I had an delinquent account totaling {$2000.00}. I called the leasing office where the debit was owed and was informed that it was for move out charges ( XXXX ) my former husband accumulated. I was no longer in the home as of XXXX. The leasing office XXXX had my contact information including email address. There was no attempt to notify me of the debit. I was just informed the day I called. The total charges were {$1800.00}. They referred me to collection agency IQ Data International. I spoke with XXXX who informed me that I could not make payments and that they would not send me any documentation that the loan exist. My only option was to pay the balance in full and if done in XXXX days it would be deleted from my record. She stated if i could not pay i would need to get a loan from a bank. She referred me to a local bank. The next day i called and decided to make payments and not take a loan out because of the state of my current credit score. I was transferred to XXXX again. On this day she stated my balance was now {$2000.00} that it accrues 7 % interest. She became furious when i told her i would not take out a loan and for her to send me documentation so that i can make payments. She then stated that i was refusing to pay the loan and finished stating some sort of disclosure. I asked to speak to manager she said he was at lunch. I hung up called back spoke to another associate who said she could not speak to me about the account but that that managers where on lunch but she provided me with his ext. The managers voice mail had no greeting of the agency or managers name. I left a message and have yet to receive a call. How can i be responsible for paying a debit that i was not informed of then when i reach out to the collection agency they are not providing me any documentation. Do I not have rights, am i just expected to send money to an agency i do not even is legit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Guaranteed Rate is raising my mortgage payment by {$700.00} a month because of the projected escrow amount. My 2014 taxes were paid in one installment rather than two, and they are viewing as only a half year payment and therefore doubling the projected tax amount. I have called numerous ( 6 ) times and spoken with representatives that tell me there is nothing they can do to fix the projected escrow amount even though I have faxed in all of my tax information, to which they also have access to via the XXXX county treasurer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: The Law Office of John P. Frye P.C.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
The Law Office of John p. Frye, P.C. ( a collection agency ) has illegally debited my bank account for an amount that was never authorized by me. I filed a dispute with XXXX XXXX XXXX, and it was found in my favor that this group had not acted properly. After some research, I found that this group does not have the best ethical track record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo loan consultant did not advise me to keep making payments on my existing loan until the new loan went through. When I applied for the refi with WF on XXXX XXXX, I had just made a payment on the existing loan 2 days before. Today I got a nasty gram from WF in email saying my XXXX payment was overdue. Not only that, but the reason the refi is taking so long is that Wells Fargo does not know how to work with condos and the insurance policy, even though other banks do I think routinely. And with this whole insurance thing, I had to contact all kinds of parties outside of the bank and yell and scream until Wells Fargo made an effort to work on the loan. The mortgage consultant had sent me a rejection letter prior to that because he could not find folks in his bank to work the loan.

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 2015-12-12
Company: ORG GC GP Buyer, LLC
State: SC
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My name is XXXX XXXX XXXX. I 'm getting mail to my home address at XXXX XXXX XXXX XXXX, SC XXXX. But the name is XXXX XXXX XXXX is not me and I havnt been to school after high school and I do n't want my credit ruined because of this! The clients name is XXXX XXXX XXXX XXXX. Acct # : XXXX Balance Due : {$6600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was in a joint lease in some apartments and moved out 2 years later. My ex ( which whom I resided with at the time ) renewed the lease for 2 years after I moved out. The apartment complex is stating that I owe {$3000.00} for a broken lease in which my ex broke. I stated that I did not re-sign lease for the consequent years and should not be responsible for this debt. The new debt collector refuses to give me proof of the debt nor will they furnish the original contract which was signed stating that I am responsible, and they are very rude and belligerent on the phone. I have been dealing with this debt collector for a couple of years now and they still refuse to send me proof of debt, however this remains on my credit report. When they offered for pay to delete services, they wanted me to pay first without giving me a letter honoring the pay to delete services. Basically, I really need to resolve this debt, however, they are not giving me any proof of it, nor are they letting me pay the bill without proof of payment or payment deal being offered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation