BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently challenged the accuracy of this account XXXX XXXX  XXXX - acct # XXXX XXXX as I have found numerous inconsistencies on my credit report. This account is listed as a collection/charge off but yet there is still a balance owed and a past due amount listed as this would be considered a violation since a collection/charge off is late by default. how is this account being verified and reported as accurate when the creditor has already written this account off as a loss of debt? There is no difference in the information published by XXXX  before my dispute and/or after my dispute was completed. TransUnion is also reporting a date of last verified on this account and yet still reporting a balanced owed and a past due balance. How is this information inaccurate but yet verified? This is incorrect and a violation of my rights under the Fair Credit Reporting Act. 

I will remind your company of XXXX XXXX TransUnion Corp., 920 F. Supp. 80 ( e.D. Pa. 1996 ). Your company could be held liable for knowingly and willfully reporting inaccurate information after being notified.

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 2016-08-16
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In applying for a Home Equity Loan, my bank found a lien on my home from the year 1998. Attached is proof of pay off to companies no longer in existence, but acquired by other companies. XXXX XXXX as shown in attachments was paid {$71000.00} on XXXX. That lien was never released ; security deed is at court house in XXXX XXXX, XXXX, Georgia. XXXX XXXX XXXX and PNC acquired loans from XXXX XXXX and XXXX has investigated and has sent me a letter and per a phone call, that PNC has second part of portfolio from XXXX XXXX, Quote from their letter " We encourage you reach out to PNC who acquired the second batch of loans from XXXX XXXX as my loan was not part of the ones they acquired in first batch. Attached documents should show my stated information. XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2022-05-15
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, XXXX - ACCOUNT # XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX  XXXX  - ACCOUNT # XXXX - INQUIRIES- ( ALL ) XXXX  XXXX  ( ALL ) XXXX  XXXX XXXX  XXXX ( ALL ) XXXX XXXX XXXX XXXX ( ALL ) XXXX XXXX ( ALL ) XXXX XXXX XXXX  ( ALL ) XXXX XXXX  XXXX ( ALL ) XXXX XXXX XXXX XXXX XXXX ( ALL ) EQUIFAX MORTGAGE XXXX  ( ALL ) XXXX-XXXX  XXXX ( ALL ) XXXX  ( ALL ) XXXX  XXXX  XXXX ( ALL ) XXXX XXXX  XXXX ( ALL ) XXXX  XXXX XXXX  XXXX ( ALL ) XXXX  XXXX XXXX  ( ALL ) XXXX XXXX XXXX ( ALL ) XXXX ( ALL ) XXXX ( ALL ) XXXX ( ALL ) XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS . 

15 U.S.C. 1681 SECTION 602 A. 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 ANY ACCOUNT WITHOUT MY WRITTEN CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX/XXXX/16 I purchased a diamond and tanzanite necklace and ear rings from XXXX XXXX on the island of XXXX and placed the charge on my Bank of America Visa Charge Card. When I returned to the XXXX I had the necklace appraised and found that I had been cheated and defrauded. The diamonds were actually white sapphires. This is a very serious crime. I have all of the documents of the transaction, including XXXX XXXX 's description of the pieces as well as their formal appraisal of the jewelry. XXXX XXXX refuses to refund my money, even though I have emailed them all of the incriminating documents and a Bank of America supervisor told me that since the transaction is over 60 days old, that there is nothing they can do to reverse the charge. I need your assistance in applying pressure on Bank of America to reverse this charge from my credit card account. I will gladly supply them with the documents which prove my claim. I have many other avenues to explore if the bank continues to refuse to help me. Bank of America 's name will most definitely will be dragged in to other sources of complaints if I am forced to peruse them. I just want my money back. I calculate that I have actually lost {$6100.00} ( cost of jewelry ) + {$61.00} ( foreign Transaction Fee ) + {$110.00} ( jewelry appraisal ) = {$6300.00}.

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 2016-02-16
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a call from ( XXXX XXXX ) on my business phone with no message. Called back thinking it was a customer and was forwarded to an unknown extension. Person said I owed XXXX to some bank I do not remember ever doing business with. 
A male voice told me my whole Social security number over the phone, then said the determination has been made to seek judgment. I said I do not respond to threats or scams and he had no business with my personal information. He tried to continue, but I hung up and immediately filed this complaint. My credit has been very good for well over 12 years. No such ( XXXX ) or other is listed anywhere on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been submitting documents to the bank and they keep adding to the required list but not allowing more time to complete the documents list and pass audit. They gave me time to submit documents, but every time I call the need additional documents. There is a foreclosure sale date of XXXX and they keep adding to the list of documents, letters of explanation while my short sale seller documents and hardship have been validated previously. I feel they are fast tracking me to foreclosure. When I call they tell me that even though I am being review for foreclosure alternatives, they will continue with the foreclosure sale date. I consider this dual tracking and extremely unfair business practices and in violation of CFBP rules. Is there some way to ecourage them to continue with the short sale offer review. They have been sitting on the offer since, XXXX, almost a month. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Dear Debtor, Your case file # : XXXX is handling by LEGAL DEPARTMENT OF  ACE INCORPORATION and we are working with FTC XXXX FBI and all the three credit bureaus, So now you may cooperate us in order to resolve the case file # : XXXX BEFORE WE DOWNLOAD YOUR CASE FILE INTO THE COURT HOUSE. 



This is in reference to your Case File # : XXXX XXXX with ACE INCORPORATION in order to notify you that after sending several emails we were not able to get hold of you. So the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 



Your account with ACE is in Final Collections. According to our records, your outstanding balance was {$980.00} It may be possible that you may have some financial hardship with you. 

So, we are just giving you a last chance in order to take care of this matter, if you just make a payment by today then we will close this account as paid off in full with XXXX balance. Kindly reply back for the settlement amount. 



Or, else we won't be able to help you out. 



Do revert back if you want to get rid of these legal consequences and want to make payments within the next 48 hours or else the case will be downloaded against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  has ignored my request to provide me with the physical documents that their company has on file that was used to verify the accounts I disputed in my file. Due to the fact that they have past the 30 day mark and can not provide documentation for verification of these accounts, under Secto n 611 ( 5 ) ( A ) of the FCRA  - they are required to '' ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible.     Thank You

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am being hit with a hard inquiry XXXX XXXX  Inquiry date of XXXXXXXX XXXX XXXX. I never applied for any new cards on said date and this inquiry was not made by 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 2019-03-08
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:
Hi I attached my credit report I have student loans and I never went to school. I have multiple collections and charge off. I don't have any bad debt. I drive for XXXX and I have XXXX kids and a wife. Life is hard for us. Please I don't know who could've done this to me. 
XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed Hide closed ( 1 ) CREDIT CARDS XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2200.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1400.00} Closed XXXX/XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed STUDENT LOANS DEPT OF ED / XXXX not mines Reported : XXXX XXXX, XXXX + {$4100.00} In good standing DEPT OF ED / XXXX not mines Reported : XXXX XXXX, XXXX + {$4000.00} In good standing Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

I have not applied for anything please remove these inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX Reported : XXXX XXXX, XXXX + {$1900.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$860.00} Needs Attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We are doing a short sale since XX/XX/2018 with PHH Mortgage as the mortgage lender. This is an FHA loan and has a HUD partial claim. Now, they denied the short sale because the the homeowner has a Federal Tax Lien. We told him that once we can get the approval letter of the short sale, we can process a discharge of the lien from the property through IRS. 
PHH Mortgage said that according to FHA they will not approve the short sale unless the tax lien is paid in full so the title will be cleared. We told them this is not how it works. Based on FHA loans that we handled before, they just approve the short sale even with the tax lien. I called HUD ad they confirmed that the tax lien should be settled. We were surprised because this is the first time that we heard this matter. The homeowner has financial hardship so she can't pay this lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Because of their security breach Equifax consequently was ordered to pay {$100.00} to individuals or offer credit monitoring services. I already had and still currently have credit monitoring services and I do not wish for Equifax to handle credit monitoring services on my behalf based on their last " fiasco ''. They issued me check number XXXX which I have not cashed in the amount of {$12.00}. 

Equifax has arbitrarily gone against my decision to be paid {$100.00}. They have decided for me that they are only paying me {$12.00} ( an {$87.00} ) difference than what they were told to do. They did the same thing to my husband and he was told because he did not have credit monitoring services they only paid him {$12.00} ( this also was not true ) and they completely disregarded my daughter and did not issue {$100.00} or {$12.00}. This company, and credit reporting agency, apparently is doing whatever it feels like doing AGAIN. 

I want my check for {$100.00} period. They can not and will not force me to do business with them beyond what is already required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Resurgent Capital Services L.P.
State: MD
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:
XXXX XXXX XXXX has inaccurately reported my account with a balance of {$710.00} dollars. It accurately reports there were no late payments and the account was closed in XX/XX/2017. My credit report is showing this account as a charge off. The account was sold to XXXX XXXX. Please investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am a freelancer and I created a PayPal account so I could receive direct deposits from XXXX. I also have sub-contractors that I used to pay directly through PayPal using those funds I have earned from XXXX. This has worked for a few weeks, until PayPal asked me for " verification ''. I had uploaded the necessary documents, ID 's, proof of address, and explanations of transactions. Shortly after PayPal permanently disabled my account, and told me that I am unable to withdraw my finds for 180 days. 

Holding my direct deposit funds for 180 days is theft. I have bills that need to be paid now and I RELY on this income. PayPal 's reasoning is that " we have to hold these funds in case they are disputed ''. This is absolute nonsense because these funds are DEPOSITS I HAVE EARNED BY LEGALLY WORKING. I understand if I was selling products or other goods, but that is not the case. There is a 0 % chance that XXXX will dispute the payments they have made to me. Since they have released my payments, it's because I have completed my job satisfactory and deserved to be paid out. Period. XXXX is my EMPLOYER, once I get paid they CAN'T ask for it back. 

PayPal has not provided a reason for why my account was disabled, except that it is permanent and will not be reconsidered. It is not my fault someone did their job wrong at PayPal and mistakenly flagged my account. I should not be the one to suffer the consequences because I have provided more than adequate information to confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal trade laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded my purchase loan vehicle into XXXX XXXX  XXXX XXXX to start a lease on a new vehicle. I requested a loan payoff good thru the XXXX of XXXX from PenFed. XXXX XXXX  XXXX XXXX sent a payoff check in XX/XX/2021 and have proof it was signed for by XXXX. at XXXX on XX/XX/2021. To this day my account shows that I am due for the XXXX payment of {$1300.00} and the remaining loan amount of {$39000.00}. Since then I have called in over 3 times to get this resolved and I have been told it was being investigated, that it will soon post, and not to worry about it. To this day nothing has been done and I am receiving various types of notifications that my loan is in default. This is obviously in violation of FDCP regarding my loan that should reflect a paid in full status! I need this to be resolved ASAP!!!!!

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 monetary relief
Consumer complaint received 2015-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a Reinstatement Calculation document from Bank of America with instructions on how to reinstate my mortgage. I sent a check to BofA which arrived at XXXX on XXXX XXXX, 2015. According to the Reinstatement Calculation document, I should be able to call anytime between XXXX & XXXX Monday through Friday. I tried calling today at XXXX to confirm that the check had been received by them. I called the phone number given on the document. I was sent to my account XXXX 's voice mail which stated that she takes calls from XXXX to XXXX. Her manager 's name was given as an option to talk with instead of leaving a message. However, his hours are XXXX to XXXX. I tried calling back and did not given the account number hoping I would be able to get someone that way. The automated answer was that I either needed the account number or the address and social security number so it could transfer me to the account manager. 

Bank of America 's document states, " If you have any questions about the information above or if you want to confirm that the funds have been received and applied to the loan to stop the foreclosure, please call XXXX, Monday-Friday XXXX. to XXXX. Local Time. '' This statement is incorrect as I tried this several times and the only person I could get to was the account manager 's voice mail. 

Please see attached document.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
credit reporting said they verified some accounts that are not mine, and i requested information of the process used to verify the accounts and they Equifax refused, even after i sent a certified letter they still refused to send information, Istated that i had a right under the FCRA to receive copies in XXXX days after they receive my request and they still refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I made what I thought and confirmed with operators assistance my last payment of {$470.00} confirmation # XXXX XXXX! Then they sent me another bill XXXX for additional payment of {$440.00} and I immediately called and asked what is this is for when I have paid them my payoff amount? And she says you owed this more amount and I asked why and they couldn't give no descent answer. I talked to XXXX people with no descent answer my records show that I did meet my obligations, that I hope to show you with process! I did pay the remainder amount because I didn't want to mess up my credit!!!

Company response to consumer: Closed with explanation