BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-27
Company: PNC Bank N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I signed up for pnc bank account last year and used it as my direct deposit account and also my tax return. IN that time I sent a check from my bank I use for purchasing and selling online to them to put extra money in that account except I wrote it from an old checkbook which had closed my account. At that point I had a positive balance and it went negative. B4 they even asked me about what was going on they closed my account which my next pay check that week would of covered what was overdrafted and it was a clear mistake on my part and I apologize. I owe the bank XXXX dollars that I would like to pay them in return having my account removed from chexsystem as FRAUD which I have never committed and never plan on committing. I think I received an unfair judgment here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX    XXXX ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.

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 2022-04-22
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:
This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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:
This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-01-12
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is concerning Complaint XXXX and another XXXX. I disputed this resolution, because they said they could n't verify a debt, and asked for proof of letter. This resulted in a related claim XXXX. However, I got an email stating that the CFPB could not send the complaint because they could n't find the company. I find this hard to believe, since this was just a dispute for the complaint they answered to. 




I received yet another notice from Convergent saying I owe over {$1600.00} to XXXX. I received XXXX the day before saying the same thing about XXXX. I have the following issues. 

1. I called Convergent today to see what they could tell me, which was absolutely nothing. I asked for details, and the phone was conveniently disconnected. I called back, and was on hold for over an hour, and still did not get anything. 

2. This debt was not me. They did n't even spell my name correctly. 

3. The notice had no option to verify debt, and when I asked them to, they wanted my social security number, which I 'm not going to voluntarily give without some form of verification of debt. 

4.This debt is waaayyyy past the statue of limitations to collect a debt in Michigan, which is 6 years. Considering I 've lived out of state for the past XXXX, nobody has a right to even try to collect this debt. 
I sent all information that was asked of me, and they are still saying they did n't get it. Therefore, I am writing it in this message. 


XXXX XXXX XXXX Account # : XXXX Convergent Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Absolute Resolutions INV Account 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I voluntarily gave a car back I had less than 2 months due to this company having poor customer service and the car had too many problems. They took me to court less than 2 weeks after I gave them the car back and filed a default judgment before the 20 days I was allowed to respond without making any contact with me to do a payment plan for the remaining balance or any efforts to collect the debt. In less than 30 days before I even knew there even was a judgment, my wages are getting garnished and I never received any notice that my wages were getting garnished until I looked at my pay stub. I took them to court on XXXX to lower the percentage being taken out of my check from 25 % to 18 % yet they were still taking over 25 % of my check every check. On XXXX XXXX the balance was paid in full but they never filed a satisfaction of judgment with the courts. The beginning of this year I was told by the courts to contact them to file the satisfaction of judgment so I can give that to the credit bureau to get it off my credit. They are not only refusing to file it they claim I only paid {$2600.00} and I still owe them {$3900.00} but wo n't tell me that directly when I ask them for proof by giving me their accounting logs. I paid them {$6500.00} and have proof of that. I feel some sort of consumer fraud is happening on their part being they 're trying to double collect on a debt that has already been paid. They even changed the case number when submitting it to my employer for the second time making my employer believe it 's a new case for garnishment. They also keep sending any required papers to my old address from four years ago when they have been given my current address to try and get what they want without me being able to respond to it and it possibly being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/22 I requested a limit increase I have a fraud alert and no additional information was verified before accessing information

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 2022-04-22
Company: EQUIFAX, INC.
State: FL
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:
This is in response of my complaint # XXXX ( attached ). Equifax Information Services LLC states that the identification information I provided does not match their records. 
Not only do I believe this to be a stall tactic on your part to grant you an additional time to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

My identification information was attached with all the documents summited in the previous complaint. How can you keep lying? 

Your computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately removed, I will be forced to seek legal counsel for relief through the court. 

There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. 
I have complete and thorough records of your violations and I am prepared to protect myself and my rights The identification I submitted is sufficient according to your guidelines ( Social security Card and Utility bill with my current address ) and I demand that you examine the enclosed documents more carefully this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 've have been trying to complete a loan modification since XXXX XXXX 2013 because. I 've been submitting all required documentation to SPS financial and have not seen any results. I 'm currently working with a realtor to help me complete my loan medication because it 's been very overwhelming for me to complete this on my own. At this point, the lender continues to request new information and I 'm scared to lose my home to foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
On or about XXXX/XXXX/16 and offer and acceptance was asked and granted on real estate in XXXX XXXX XXXX. The loan is a VA and loan application for property was submitted to Arvest Bank in XXXX XXXX, XXXX. The problem begins here ; the VA appraisal request was submitted to the VA Regional Office in XXXX, XXXX on XXXX/XXXX/16 and was due back by XXXX/XXXX/16. As of this date XXXX/XXXX/16 it has not been submitted to the bank or the VA, even though XXXX XXXX, and XXXX XXXX were on the real property, inspected the home and outlying buildings on XXXX/XXXX/16. The bank misspoke when I was told that the request for VA was given on XXXX/XXXX/16 for appraisal. The situation has cost me money, delayed shipping/moving problems with contract carrier, storage costs and extension of money spent in an apartment without hardly any of my household goods, including limited clothing. All of the belongings are in storage. The seller is having the same problems. 
The appraiser, XXXX XXXX and XXXX XXXX need to be dealt with. I have left several messages ( XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX to no avail. They have not returned any calls. I have filed a complaint with the VA in XXXX and assured me that the appraisers have violated the time constraints established by their dept. The bank, Arvest has not been forthcoming in their communications with me and are of partial fault in my thinking, due to a lack of communication and misspoken facts on the loan time and closing date. It was originally to be XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company AR Resources has put a deragatory collection account on my XXXX credit bureau reports as of XXXX/XXXX/16 but did n't pop up until XXXX/XXXX/2016. For a medical collection from XXXX XXXX XXXX. I have never ever heard of them and I believe that this is fraud. I have attached a police report and FTC Affidavit and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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:
This account for XXXX is a a result of identity theft. This is the second time experian report this fraudulent account. This account was originally removed for identity theft on XX/XX/2021 at the time is was XXXX as the original creditor and XXXX XXXX as the collector for {$2100.00}. Now Experian is reporting the same fraud account again with the name source XXXX XXXX original creditor is XXXX for {$2100.00}.

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 non-monetary relief
Consumer complaint received 2017-03-23
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX in XX/XX/XXXX and my deductible was XXXX and my total out of pocket was XXXX. When I checked into the hospital I owed exactly XXXX. We charged the remainder of my total out of pocket to our credit card and I had no more out of pocket expenses for XX/XX/XXXX. I then received a bill for XXXX from the in-network surgeon. I explained to them that any money due to them was paid by my insurance company. 
I have reported this to the collection agency and it is still being reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have been making payments on my mortgage loan but I was told that those payments were not going towards the balance. I have attempted to get answers but to no avail and now they are trying to foreclose on my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights 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 an 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 2016-08-19
Company: Acceptance Solutions Group, INC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have been having some financial problems and because I have asked to stop all payment withdrawal from what is now my husbands account and Texas Acceptance still continues do it, accumulating over draft fees, I need to dispute it. I have tried to keep in contact, although I realized that I have broken promises to pay, my intention 's is to pay this debt off. But at this time Texas Acceptance is no longer working with me and although I have asked them not withdraw from the original bank account given they still continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a primary mortgage refi w quicken loabs XXXX this tear 2016. They told me on a number of occassions I was approved and even had conditional approval on their website under my application. For weeks I was told to expect someone calling for a closing date and all that would happen us a request for another payment I made or account I paid off. The debts that were clearly paid by my company were rejected by quicken. How can they include the monthly debt but not the income from my company that clearly pays it every month?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-04
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I called Quicken Loans to ask a question about a mortgage- The customer sales person asked me for my name etc. before I received an answer to my question! Unbeknownst to me my credit score was impacted because of a " Hard Inquiry '' - It does not seem right to have your credit score come down, when your just want a question answered about the company in question services! 
Your question " Which part of the mortgage process is your issue related to? '' Does not apply so I put Applying for a loan - which I am not or did not!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, 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:
I am a victim of identity theft and have attached my FTC report to this complaint as verified. there are multiple student loan accounts that have been placed on my credit profile using my identity, I have never applied for any student loans nor have I ever been late on my payments to XXXX XXXX XXXXXXXX nor XXXX XXXX credit card accounts, nor have I made an inquiry to XXXX XXXX nor XXXX, nor have I owed a debt to XXXX XXXX XXXX. 

I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and have attached my FTC report to this complaint as verified. there are multiple student loan accounts that have been placed on my credit profile using my identity, I have never applied for any student loans nor have I ever been late on my payments to XXXX  XXXX XXXX nor XXXX XXXX credit card accounts, nor have I made an inquiry to XXXX XXXX nor XXXX, nor have I owed a debt to XXXX XXXX XXXX. 

I have never lived at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 explanation
Consumer complaint received 2015-10-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is supporting information to verify all of the facts in complaint Case # XXXX where I report that my " modification '' was indeed a cash out refinance loan because XXXX XXXX did indeed pay off XXXX XXXX without my knowledge or consent and then did not disclose these funds on what they called a modification but which was really a cash out refinance that was done without any RESPA documents including HUD-1 and Right of Recision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Resource Management Group
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I vaguely remember taking a payday loan in XXXX, I do n't remember the exact year, but I know that I paid off the whole debt. Since it was from a bit of a way back, I do not even have any of the documentation they sent to me and they have not even been in contact with me once in the past 4 years. All of a sudden I am getting calls from " XXXX '' ( Resources Management ) saying that I owe a debt to " XXXX XXXX '' for a payday loan they extended to me ( without my knowledge & without my consent if they even did ) and had old e-mail and bank account information but somehow have my personal cell number which has changed recently AND called my place of work. I did NOT give updated information. When I searched the number and the places of business on google they all come back as SPAM. They have called me numerous times and continue to harass me. I would like this to stop!

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