BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/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 XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXd { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 53432** 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I bringing to your attention that there was debt that was disputed from my report and now its back. By law section 611 [ 15 U.S.C 1681i ] ( 5 ) ( B ) ( i ) States that once items are deleted they should not be reinserted on the credit report. I did not received notification with in the 5 day mark stating that debt will be but on my credit report. By law this is fraudulent. I ask that you please remove negative items from the Experian account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX  XXXX XXXX has violated my rights First XXXXXXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXXXXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX # XXXX has violated my rights 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 2020-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS ACCOUNT IS NOT MINE I HAVE NO CONTRACT WITH PORTFOLIO RECOVERY. I REQUESTED A COPY OF A CONTRACT OR AGREEMENT WITH THERE COMPANY WITH WET SIGNATURES OR INFORMATION DELETED FROM ALL 3 CREDIT BUREAUS. INSTEAD I WAS SENT A SCREEN SHOT OF BILLS WHICH IS NOT A LEGAL DOCUMENT NOR WHAT I REQUESTED. THIS IS NOT MY ACCOUNT WITH PORTFOLIO RECOVERY. SINCE MY ORIGINAL REQUEST WAS NOT ANSWERED & THERE IS NO PROOF OF THIS FRAUD ACCOUNT THIS IS TO BE REMOVED FOREVER! 















BILLS FROM OR REQUESTED THIS FRAUDULENT ACCOUNT REMOVED. I WAS NEVER SENT THE INFORMATION REQUESTED BUT A SCREEN SHOT OF A SCREEN

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My Regions account ending on Saturday, XXXX XXXX, 2016 balance on the account ledger was XXXX $ ( from transactions made across the day ). Monday, the account ledger showed the same. Tuesday, XXXX XXXX, 2016, a NSF overdraft fee in the amount of XXXX was posted to my account. This NSF fee is what caused my account to be negative in the first place. The bank states that a pending transaction placed a hold on my account on Monday, XXXX XXXX caused all of my transactions from the weekend to be negative although this charge did not show on my account ledger and money to cover all charges was present in my account. The abovementioned charge was not visible on my account ledger and once it posted, it also caused a NSF. This is ridiculous ; banks use " posting '' order to justify charging NSF overdraft fees. I spoke with a manager at the bank ; she refused to return the NSF courtesy fees. As a result of their posting order shenanigans, I have been charged a total of near XXXX $ in NSF fees.

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: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed my Truist checking and savings account on XXXX XXXX and after closing the acct there was an unauthorized transaction l called disputed and told them once again on XX/XX/2022 to close the acct again I was assured it is a closed acct. On XXXX XXXX I was charged a {$10.00} maintenance fee and a {$35.00} nsf fee. I have called repeatedly and was on hold for over XXXX hours. I just called today again and was told to hold for XXXX minutes while she checked something that was XXXX minutes ago and call just disconnected. I called XXXX Truist banks to set an appointment to go over my acct but was told I had to call the XXXX XXXX number this could not be done in the bank. 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 2016-07-11
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Most recently - they closed my savings account without giving me prior notice ( of ANY KIND - no email, letter, phone call, nada ). When I called the XXXX number to ask what was going on, the woman told me she was unable to give me any information and that I needed to call the branch. When I called the branch she told me that they do n't have anything to do with closing accounts and that I needed to call the XXXX number ... ... eventually I was informed that if my account had a XXXX balance for 3 months they AUTOMATICALLY close the account - I maintain that they should be required to let me know they are going to do that ... ... 

In the past year - they have replaced my atm/debit card three times - with no explanation. On XXXX XXXX I left to go on vacation and discovered that they had de-activated my atm card, stating that they had mailed me a new one that had never been activated ... .I never got the other card. Spent over an hour on the phone while they re-activated my card and then shipped me out another new one. The original rep I talked to was unbelievably rude, and put me on endless hold when I asked her to transfer me to a supervisor. 

The branch notified me almost 6 MONTHS after I ordered them that they had my checks ... ..I placed that order 3 TIMES and NEVER got the personalized checks I asked for and ostensibly paid for. 

Overall, the phone reps I have talked to in the last two years do n't seem to know what they are doing and they are rude. 

I used to be super happy with this bank, but the last two years I have had increasingly poor service and I now have absolutely NO CONFIDENCE with this bank - where I have had an account for over 20 years.

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 2016-01-29
Company: Stearns Ventures, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan servicer was transferred effective XXXX XXXX from XXXX ( Sterns Lending ) to XXXX. I never received notice of this transfer ; I therefore logged on to the original servicers website on XXXX XXXX and made a payment. I received an e-mail confirmation of acceptance for that payment. On XXXX XXXX, 2016 when the money had not been debited from my checking account I called to follow-up. It was at this point that I was made aware that my loan servicing was transferred as I never received the paperwork in the mail. There was NOTHING on the website notifying me of the loan transfer and I was allowed to submit a payment on XXXX XXXX, 2016, the date of the transfer. The individual I spoke to said that they would transfer my payment to the new servicer within 10 days. At this point I call the new loan servicer, XXXX, and via automated message on XXXX XXXX am notified that they do not have my loan information. I waited for more than 10 days and still no payment debited from my checking account. Additionally, the new loan service had called twice asking me why I had not made my payment for XXXX. On XXXX XXXX I again call the original mortgage servicer. On this call I am told that no, they will not be debiting my checking account for the payment even though I received a payment confirmation. Per the CFPB, the servicer should either transfer the payment to the transferee servicer for application to a borrower 's mortgage loan account, or return the payment to the person that made the payment and notify such person of the proper recipient of the payment. In my opinion neither of these actions occurred as the original servicer never once notified me that my payment was in fact not accepted ( although I received an electronic confirmation of acceptance ) and thus due to the non-acceptance needed to make my payment to the new company. Only though my own continued calling was the correct information eventually provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, 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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Regular robo calls from EOSCCA XXXX XXXX XXXX XXXX MA XXXX XXXX a debt collector with only a phone number. 
We have no debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: AFNI INC.
State: OK
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:
Any accounts I 've had with XXXX were paid in full and closed was prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Two days after filing a Cfpb claim against JP Morgan Chase Bank ( Claim XXXX ) I received a call from their fraud team in regards to an account ( the same account referenced in Claim XXXX that has been closed for over 2 years. I am very concerned with my privacy and the fact that Chase called with a false fraud claim ( the card was destroyed when the account was closed in XXXX, 2020 ). The Chase representative would not verify any information when I became concerned for both my privacy and financial security. Call was received at XXXX XXXX CST from the number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2022 I sent a letter to Experian about the inaccurate reporting on my credit report and that I would like them to provide documentation on how they verified my information. I have not received a reply from Experian and at this point, I feel as if I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) states that the CRA must conduct a reinvestigation of any item of information in a customer 's file if the customer alleges the item is inaccurate. and if the CRA does not conduct a reinvestigation items must be removed from an individual credit report within 30days. This inaccuracy that Experian is reporting to my account should be deleted promptly or I will file for litigation for the stress you have caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: ProCollect, 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 obtained the debt of an apartment as a result of XXXX. On XXXX it gave the option to dispute any debt that was a result from COVID-19 Pandemic natural disaster. When I disputed the collection with Procollect, they stated that the collection agency stated that the debt was not a result of the pandemic. Which is a lie. Also I reached out to Procollect and asked them to provide me with the details of the debt. XXXX XXXX collection manager who's phone number is XXXX failed to provide me with validation of the balance. I believe the balance they are reporting is incorrect as well.

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: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2015-09-03
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last year, I was experiencing some financial difficulties paying my mortgage with PNC due to job layoff. An attorney contact me from California stating he could assist me in getting my home refinanced at a lower mortgage rate under the HAMP program which did not occur. Instead, I was given an extension on my loan to pay it out for a longer duration under HAMP. Up until this time, I had NEVER been late on my mortgage. Since then, I have been harassed by the PNC collection department, every month that roles around about paying my loan which is not late. I pay my loan every month and it is not late. Last year, I was harassed daily 7-8 times each day by their collections department and it affected my health. I do not know how to get this stopped, but there must be some law in effect that would be helpful to me. I know I am not the only person experiencing this treatment, as I have spoken to others who are also PNC mortgage holders contacted by the same lawyer who called me about the HAMP program. If I am not LATE on my mortgage with PNC, then I should not get calls. It is just unnecessary harassment and stress that I do not want or need in my life and want it stopped!!! Hands down PNC BANK is the WORST mortgage company I have ever dealt with and I have owned several homes in my life. No one should be subjected to this kind of treatment! It is in human and they need to be held accountable!

Company response to consumer: Closed
Consumer complaint received 2017-01-06
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have had a loan with Bridgecrest formerly XXXX XXXX Since XXXX, and a lease prior to that. I got behind in my payments due to my husband being hospitalized. I was reached out to by Bridgecrest by XXXX XXXX ( I have emails attached ) stating that she could help me get back on track, and I needed to make a payment by the XXXX of XXXX. I emailed her back stating that would be wonderful and made the payment as directed. I received another email from XXXX at Bridgecrest saying they had not heard from me and I owed a past due balance. I called Bridgecrest a total of 8x now for XXXX XXXX who said she would have the agreement finalized by today XXXX/XXXX/XXXX. I reached out to her again a hour ago and was told she would call me back within ten minutes. I have done what was requested of me and now am getting the run around. I just wish that Bridgecrest would tell the same story twice and be accessible. This is the not the first time I have had issues with this company.

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: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX didn't send statements or freeze my account for suspicious activity. My account was sent to debt collection when I didn't even get notified of the charges. I was called multiple times by debt collectors and was told to pay a debt I didn't owe. I requested for statements and notified the debt collector and XXXX I didn't recognize the charges and the address on file was changed without my authorization. I believe I was a victim of ID theft. My account was sold to XXXX XXXX XXXX where they continued to collect a debt when I tell them I didn't recognize charges and that address on file was incorrect. And they ignored my communication and sent me a letter saying they don't understand what I am disputing. My account was sold again to Messerli and Kramer where they filed for lawsuit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Residential Credit Solutions, Inc.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got a letter from RCS on the XXXX/XXXX/2015. XXXX what their service did was n't fraud, but identity theft. I have file a complaint with the attorney general of texas. The lady at the attorney general office. stated to me, that I needed to file for identity theft not fraud. She also stated that I need to forget about getting my money back, she said that 's gone. I know she would n't like it if some one are these companies cheat her out of your her money. Yes! '' I did send the attorney general of texas. The contracts and the release form. Yes '' XXXX XXXX and RCS committed fraud. Not one of these companies could tell me who was the lien holder are the not holder. The reason is there 's not one. Because I do n't owe any one any thing.I will send the contract to your service in a coulpe of days.

Company response to consumer: Closed
Consumer complaint received 2015-09-25
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my loan required a PMI. By law, the PMI is to automatically terminate on the date the principal balance is first scheduled to reach XXXX % ( ltv ) of the original loan of the property. As of XX/XX/XXXX, my ltv is XXXX %. However, according to my mortgage company, the pmi will not be terminated until XX/XX/XXXX because that was the scheduled date the ltv was to reach XXXX % by the original amortization. The reason the ltv is now XXXX % is because we made XXXX extra payments on our mortgage and we feel that we are now being penalized for extra payments. Our loan was orignally with another company but was sold to the current company in XX/XX/XXXX.

Company response to consumer: Closed with explanation