BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  sold my mortgage to PNC Bank. The first thing PNC Bank did was raise my rates and they are unable to adequately explain why my rates are going up. They can not demonstrate anything about the mortgage prior to their acquisition of the mortgage despite some obvious problems with my escrow account. They can not explain why payments were made to XXXX XXXX that appear to be more than the amount I owe in property taxes nor they can explain where that money went. They also can not explain why my homeowners insurance collection is not accurate and why they are projecting an increase in my policy rates and appear to be charging me for increased homeowners insurance rates despite the fact that my insurance company has not yet reviewed my file for its annual rate analysis. 

PNC screwed up and lost my first mortgage check that I sent which cost me a stop payment with my current bank in addition to hours spent on the phone trying to unravel this. 

I do want to do business with PNC Bank. I never asked my mortgage to be sold to PNC Bank. I realize they are allowed to do this but they are not allowed to just raise my mortgage payments and tell me I owe them more money without demonstrating to me why I would owe them more money. This is a wrong. This is beyond wrong that I am forced to do business with a bank that I do not want to do do business with but it is flat out illegal for them to raise my mortgage payments upon acquisition of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX continues to furnish information on a credit report regarding repo. When the vehicle was retrieved, documents regarding bill sale after repossession. The company failed to comply with FCRA guidelines. Withholding information, continuing to tarnish credit and creditworthiness. The actions of the company will enable future opportunities to establish and rebuild credit.

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 2022-09-19
Company: BMW Financial Services NA, LLC
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A ( section 4 ) : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A ( Section 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX and XX/XX/2022 for the amounts of {$1200.00} each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This complaint concerns the XXXX XXXX XXXX credit card offered through Bank of America. The card essentially offers miles for purchases that can be redeemed on XXXX XXXX, as well as on hotels. 

On the two separate occasions I've tried to use the miles I've earned to book a hotel, I receive a " technical error. '' I've tried to seek a resolution with the company. I've done everything I've been directed to do, including clearing my cookies, trying a new search, using a different credit card to book, and making sure my bank is aware that I'm trying to use a card for an online booking. This company does not offer phone booking and has been unable to provide any kind of resolution other than to simply not use the benefit I have paid for. There is no option to ask for a cash refund of the miles I've earned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have all 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 Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-06-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter in XX/XX/2022 dated XX/XX/2022 from Fair Collections and Outsourcing, XXXX XXXX XXXX, # XXXX, XXXX, MD XXXX, claiming that I owed a debt of {$9300.00} from a lease with " XXXX XXXX XXXX  XXXX at C '' with unit number XXXX. 
I have never lived at such a location nor have I ever entered a lease with an entity known as " XXXXXXXX XXXX XXXXXXXX XXXX at C ''. Furthermore, the letter misspelled my name, indicating that the letter is either fraudulent or that the company did not do their due diligence to locate the correct individual. 

On XX/XX/XXXX I sent a Letter to Fair Collections and Outsourcing stating that this debt is not mine and that I had no dealings with the aforementioned leasing company. I further request that they stop contacting me regarding debt collections until they sent proof that I owed this debt. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Fair Collections and Outsourcing stating that " [ my ] account has already been reported by our office or is scheduled to be reported '' to the three national credit reporting bureaus. 

Fair Collections and Outsourcing ignored my request to provide proof of debt and threatened to report me to the credit bureaus, in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The problem is regarding to my credit score. on XX/XX/2022 my credit score was XXXX and on XX/XX/2022 my score decrease by XXXX points to XXXX there is no change on report, 0 % debt on my credit cards, no delinquency, only 1 inquiry in last 2 years and everything else is in a good standing. I talked with Experian They have no answer for me and they can not solve my problem and I even spoke with FICO they can not do anything either. Please help me to solve this matter. 
This is my official statement for file a complaint against credit bureau, in this case, EXPERIAN.

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 2022-09-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi the state submitted payment for my mortgage and it hasn't been applied to my account for weeks.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX has on my credit late fee 's, the account in question was open on XX/XX/XXXX with a limit of {$1000.00}. The account is now closed. XXXX XXXX reported some late payment which has affected my ability to obtain new lines of credit. Date reported late payments : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Acct : XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$200.00} as of XXXX XXXX also you claim LATE PAYMENTS ON XXXX XXXXXXXX XXXX  DAYS LATE, XXXX XXXX 60 DAYS LATE, XXXX XXXXXXXX XXXX DAYS LATE, XXXX XXXX XXXX DAYS, XXXX XXXX XXXX AND THERE ON. This is a formal notice that your claim is disputed. I am request validation, made pursuant to Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, 2 showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as 3 evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
At the end of a XXXX lease with Honda Financial XXXX XXXX XXXX XXXX XXXX for XXXX ), I purchased vehicle on XX/XX/XXXX and transferred the Title properly. Issue with XXXX XXXX is the handling of their internal Title Transfer and charging of Personal Property Tax after purchase. 
+ Local Personal Property for the remaining XXXX of XXXX was charged by local entity to me under new XXXX # and I paid it. 
+ Local Personal Property Tax for XXXX was billed under new Title # to me and I paid it. 
+ XXXX XXXX billed me for XXXX Personal Property Tax under old Title # + After educating Honda Finance Company of their mistake ( Providing Title document proof ) and assisting them in Tax Refund for both XXXX and XXXX ( XXXX ) of Personal Taxes re-paid to them by local Tax Entity, Finance Company insisted that I owed the Personal Property Tax to them because of a clause in their Lease Agreement of my responsibility to pay any Personal Property Tax up to XXXX after Lease end. 
+ This is an obvious waiver of responsibility for their inefficiencies in handling Title Transfers and proactively avoiding paying + Please note that they acknowledge that they owe me the reimbursed Taxes for XXXX ; however, they proceed to classify my account as Past Due and turned it over to a collection agency. 
+ If I paid the Personal Property Tax as their standard requirement of their Lease, I would have over paid by {$540.00} for XXXX with a substantially larger amount for XXXX, since they do not have any internal mechanism to guard against double charges for Personal Property Tax, leaving it on the consumer to be proactive to start a refund process. 
+ My assessment is that they are not interested in implementing any internal mechanism to guard against double charging of Personal Property Tax, even with my insight and encouragement. Instead they leave it up to the Consumer to be proactive. 
+ My financial assessment is that there are Tens/Hundreds of Millions of dollars in overpayment by Consumers that have not been processed by Honda Finance because it is a nuance to their operations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: NE
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 company has violated my rights to privacy 15 U.S.C 1681 section 602. A states i have the right to privacy 15 U.S.C 1681 Section 2 - It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt

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 2022-04-24
Company: EQUIFAX, INC.
State: NE
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 company has violated my rights to privacy 15 U.S.C 1681 section 602. A states i have the right to privacy 15 U.S.C 1681 Section 2 - It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Kubota North America Corporation
State: AR
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: Investigation took more than 30 days

Complaint:
The complaint I have with each company is, my rights were violated. I recently came across information from the Federal Trade Commission more specifically the Gramm-Leach-Bliley Act 15 USC 6802. On one of the accounts ( XXXX ) my now ex-husband purchased the unit with me as the buyer and him as the co-buyer with all of my information. I never signed any documents, nor did I give him premission to do so, because we were married at the time, I didn't want to prosecute him. After looking at the original documents. I've never lived at the address on the document, nor did I sign anything, someone had to sign my name. I will attach all of the following correspondence letters I've sent to these companies as of XX/XX/2022 with no resolution. My student loans have also been XXXX due to a permanent XXXX, but they're still being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX. I am authorized to speak on my wife 's behalf regarding this debt and complaint. 
I received an initial debt collection letter from United Collection Bureau on XX/XX/22 for an unknown debt. The supplier is known to me. 
On XX/XX/22, I responded with a debt verification letter advising the company that all communications must be in writing and refer to existing contacts. Not doing so would be considered by me as attempted intimidation. The lette was sent verified with a signature card. The signature card was sent back to me signed XXXX XXXX XXXX XXXX with the printed name XXXX XXXX XXXX Clearly this was not being taken seriously. 
UCB responded in a letter dated XX/XX/22 ( rec 'd XXXX ) with a partial response to verification. They gave me something from the supplier I had never received but allowed me to trace the referenced debt. They, however, did not provide any documentation authorizing them to collect this or any debt on the supplier 's behalf. 
On XX/XX/22, I responded with a letter stating I had paid the debt. I provided the invoice received, and the processed check. I stated unless UCB provided further documentation my documents referred to a different obligation, I would consider this matter closed. I restated that all communications must be in writing, and communications such as phone calls and letters not referencing ongoing communications would be regarded as harassment and reported to the CFPB. I sent this letter certified. It shows by USPS as being picked up on XX/XX/22. 
After receiving the letter, my wife received several calls from UCB, who left voice messages. The messages were vague and referred to collecting a debt. We did not record the specific contents. On an unknown date, I received a letter dated XX/XX/22. The letter was not marked as communication from UCB and looked like junk mail. It referred to having " been unsuccessful in securing a payment arrangement on the above referenced account. '' It made no mention good-faith efforts to resolve this dispute as previously described. It also threatened " your account may be credit reported to credit reporting agencies ( sic ) '' These items I consider attempts at intimidation and harassment. 
I have attached documentation to support the above statement.

Company response to consumer: Closed with explanation