BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Paid {$640.00} on for appraisal for PMI deletion. Appraisal done   XX/XX/XXXX .   Appraisal  XXXX   . A ppraisal completed by another institution value  XX/XX/XXXX = {$150000.00}. Many things ( like {$40000.00} garage added to the property ) and added another bedroom and bathroom.  Appealed appraisal. Appraiser reviewed and amended the appraisal but did n't change the value of the appraisal. Tried calling the customer service again ( so many times that I do n't even know how many ) L ast attempt today   XX/XX/XXXX   and with no luck - they did not handle my concern and would not allow for another appraisal company to come out to the  property. The customer service dept. tells you that they will call you back on numerous calls and they never do. I know that this appraisal is not accurate. I had another lending institution review it and they stated that the appraiser used comps that were not on the market and one that did not sell. There was a comp  XXXX  mil e from our house that sold   XX/XX/XXXX   for {$150000.00}. They refuse to do anything about the inaccuracy or unfairness of the appraisal completed on their behalf. Also,  the appraiser asked how much we owed on the property ( and I do n't think this is standard ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Chime placed my account on hold and sent me an email with instructions regarding how to steps necessary to unlock the account. 

On XX/XX/XXXX, after gathering the requested documents, I replied to the email from the email address on my account. I followed the directions exactly as directed. Chime never responded to this email. 

Over the course of a year, I sent multiple emails which Chime left unanswered. 

On XX/XX/XXXX, I reached out to Chime from my secondary email address. Chime was very responsive and worked to verify my identity with the address. Then Chime proceeded to request the same documentation needed to unlock my account. I replied with the information requested on the same date. Chime stopped responding again. 

On XX/XX/XXXX, I requested an update again. I received a reply stating Chime would provide an update within 2 - 3 business days. 

As off XX/XX/XXXX Chime has not provided the promised update, and my account remains on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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:
To Whom It May Concern : I received a copy of my ( Transunion ) credit report, and noticed some INACCURATE late payments that need to be deleted. They are as follows : List Name of accounts with late payments with their account numbers. 

XXXX XXXX XXXX Before we move forward, the term accurate pursuant to the Fair Credit Reporting Act ( FCRA ) is defined as a measure of value. For something to be considered inaccurate it has to be something that is not of value to me, and that is determined by I, the consumer. 
These late payments that are a defamation of my character are therefore INACCURATE and your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681.

Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any Clearly, exclusion means something that is not supposed to be included. The law states that ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately. 
Also, I have a simple question you shouldnt have a problem answering : Did I give you written instructions to furnish this information related to me on my consumer report?

Additionally, 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have sustained defamation of my character as a result of this information and am demanding you to delete the above late payments from my consumer report, because this agency is in violation of the FCRA or 15 USC 1681. 
Best regards, 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 2020-03-25
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

DEPTEDXXXX XXXXXXXX {$9300.00} DEPTEDXXXX XXXXXXXX {$3600.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$430.00} DEPTEDXXXX   XXXX {$9500.00} US DEPT ED XXXX {$6000.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$10000.00}

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 2022-09-03
Company: CARD Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account is with ( Card.com ) I had 3 charges on my account from XXXX So I called card.com there was 3 different charges to XXXX they said no worries will credit your account and if we find that there was They would take it back.. well i never got the credit the closed the case with out Asking first..they areva bunch of XXXX  there total ( XXXX ) ( XXXX ) ( XXXX ) My name is XXXX XXXX Ive dent the papers back they wanted me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I refinanced my original mortgage once XXXX to get a lower interest rate, in that process XXXX loan separated a portion of the primary mortgage into a second mortgage, so instead of a 1st mortgage of {$110000.00}, I had a 1st mortgage of {$96000.00} and a second for {$18000.00}, the increase in amounts went towards paying the " closing '' fees of the refinance. 

When the housing crisis occurred, I was informed by my mortgage lender to cease making payments in order to qualify for home modification loan, since our house lost so much of its value. Unfortunately, that did n't happen ( was refused modification ) and I was left out to dry by HAMP, and ended up losing my home which was eventually foreclosed on in XXXX 2013 for {$88000.00} less than the entire mortgage of {$110000.00}. Since XXXX XXXX did n't inform me that I would lose the non-recourse status once they separated the XXXX loans, I learned during the foreclosure that I owed {$18000.00} on the second mortgage for a house I no longer own, and that just sold for {$24000.00}. 

I had to move out, find a new place to live, which was across the country, and had to struggle to regain lost wealth, etc ... Well my secondary mortgage from XXXX for {$18000.00} ended up being purchased by XXXX XXXX XXXX during the bailouts, and eventually ended up with the debt collection company Green Tree/XXXX 

I have offered to pay 10 % to settle, seeing everyone took a haircut due to the Housing Crash that I had zero to do with, and was instructed by my primary mortgage lender to stop making payments to qualify for HAMP, which landed me in eventual foreclosure. XXXX refuses to accept anything less than 50 % over the phone, I am just trying to settle for a reasonable amount of 20 % of the total due, which is {$18000.00}, in a XXXX lump sum payment. XXXX refuses and are unreasonable to not incorporate the facts of the situation when arriving at a solution on this debt. This refusal is costing me money in a lower credit score, and at second chance at being a homeowner once more - I am just trying to move on with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been having issues with this and the improper reporting of this account. This has caused a great amount of hardship on me because I have been ignored and if they would just do the investigation they would realize this to be the case. 
In accordance with the Fair Credit Reporting Act everything must be accurate and under 15 US Code 1681 this account is in violation because its not being reported accurately. 

I even have sent multiple verification requests to the company and have not received the items I asked for. 

I as the consumer would like to know all the steps the agency took to insure these items were 100 % accurate along with the method of verification. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been having issues with this and the improper reporting of this account. This has caused a great amount of hardship on me because I have been ignored and if they would just do the investigation they would realize this to be the case. 

In accordance with the Fair Credit Reporting Act everything must be accurate and under 15 US Code 1681 this account is in violation because its not being reported accurately. 

I even have sent multiple verification requests to the company and have not received the items I asked for. 

I as the consumer would like to know all the steps the agency took to insure these items were 100 % accurate along with the method of verification. Thanks

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 2018-01-09
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Hello, I 'm the cardholder for this account. I have been double billed and also told by the credit card company to keep only card pay current and and I have been paying on the other yet I 'm still being charged more than {$50.00} in fees. I have tried several times to attempt these add have been constantly put off by the company. 
I must be given 45 days notice of rate, fee and finance charge increases. I was not given any notice my rate would change. 
Double-cycle billing is banned, which eliminates interest charges on debt you pay on time. As you can see by my documents I have been doubled billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: VeriCore, LLC
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 was paid

Complaint:
We remitted payment to a vendor in their name at the remittance address they requested. The check was cashed ( less than {$1500.00} ). They claim they never received it. 

The Company XXXX repeatedly continues to contact our offices even though we continually informed them that payment was made and to stop calling our offices and that we consider the continued phone calls to be harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
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: Their investigation did not fix an error on your report

Complaint:
I have already settled the debt and the collection agency agreed to take it off my records, to which it was written in the letter stating that the debt has been settled. There is still a derogatory mark in my Transunion account. Transunion will not take it off from my account and this is affecting all areas of my life in negative ways, especially during these times with the outbreak where I need to loan some money to survive. Please help.

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 2017-03-02
Company: Real Time Group, Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
RTR is claiming I owe them XXXX on a second mortgage but the date of first delinquency is XX/XX/XXXX, which is beyond Illinois 5 year SOL. They are also reporting this information to XXXX, including a continual late every month for the last 6 years, an overdue balance and current amount due. This particular loan was secured by property which was foreclosed on by XXXX XXXX. RTR was never listed among the plaintiffs ( as XXXX was ). This foreclosure occurred in XX/XX/XXXX. RTR has NEVER verified any document which states how, why or where they have a valid claim to a 2nd mortgage. They were not on any court documents provided by the county and plaintiffs. It is as if they just " leached '' onto a distressed property in hopes of lining their pockets. 

In addition, it is my understanding that this account should have been legally charged off after 180 days, which further validates RTR 's negative motives in this situation. A legitimate lien holder would follow proper legal laws. I have the original mortgage, deed, warranty and court filings ( much to much to download ) which have zero reference to these people. 

Attempts to contact RTR have ended with an automated voice system hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested payment assistance from my mortgage, loan depot, but they only offered a 3 month forebearance. The problem with a forebearance is that payment is due in lump sum at the end of the forebearance period. This present a difficult situation for me. I have requested deferral from the company but they claim to not be able to offer it at this point. Please help me secure a deferral solution to my mortgage for more than 3 months. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Did not provide me with any verification that this belongs to me. I have sent two letters to them with know response. I have sent a certified letter with return receipt. This was removed from my credit report and put back on as a new collection, according to the laws written they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My account was closed back in XXXX  of 2021 and Ive been looking at the same exact amount due even though Ive made payments every month since then, Ive called capital one multiple times and no one can help me, a long time capital one customer. All they care about is what is in there terms and wont go out of there way too help a young struggling father of XXXX  who wants to pay off this credit card but between ridiculous interest, fees and minimum payments cant even knock any money off the account. Let alone capital one completely ruining my credit because they will do nothing to help a struggling customer. I ask that someone can please go out of their way to help a customer who wants to pay this card off but needs some help to work out some type of plan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never opened an account with LVNV or XXXX. In XXXX of 2016, My parents forwarded me a letter that was sent to their house at a XXXX address. After reviewing my credit report, it appears there is a company called XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX w/phone number XXXX. I have since mailed a letter to XXXX XXXX to ask them to provide correct information. I want to know how they are allowed to collect on this alleged debt, who owns this debt, and if to understand what legal precedence thy have to contact me. If in fact they can prove they own the debt. I 've heard of companies collecting on debts they do n't owe and I 'm trying to do the right thing and get all of this misinformation cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of identity theft, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. here are the list of items that needs to delete in my file ASAP : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX BANK XXXX XX/XX/2022

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 2020-03-25
Company: Experian Information Solutions 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 because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-03-25
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 because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is not responding to my request to investigate, verify and provide me with the documents with the original signatures.

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