BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Afni Collections has violated my federally protected rights under the fdcpa. I never received notice to dispute you are now on notice to cease all communication from all mediums including my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: PNC Bank N.A.
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015 I closed a PNC {$500.00} secured credit card account. To this day, PNC refuses to refund my {$500.00} security deposit. I also have a checking account with PNC and made several visits to my local branch. The excuses started with a holding period for an entire 30 day billing cycle and mailing a check thereafter. Next, up to 45 days. Lastly, 60 days. Attached are photos of the credit balance on the closed account and {$28.00} already paid on previous statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, PNC Mortgage forcefully evicted me and my family from our home of 16 ( sixteen ) years, all because I refused to further alter the conditions and stipulations of a Loan Modification that I had entered into with this same mortgage company two years prior, and which would have resulted in my monthly mortgage payment increasing almost {$150.00} more than the amount agreed upon in the Loan Modification. This lousy mortgage company forced me to find a new place to stay and move within 10 ( ten ) days. Now, even though they 've put me and mine out of the house, these miserable cretins have the temerity, the nerve, the unmitigated GALL, to send me a XXXX letter telling me I 'M " responsible '' for maintaining the upkeep of the house. Can you believe this XXXX? Now, they absolutely refused to even work with me, even though I had offered on several different occasions, to resume making my monthly payments. They just forced me out. This PNC Mortgage needs to be investigated and some sort of sanctions placed on them for the incredibly LOUSY way they are treating people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Asset Recovery Group, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The choice I chose above best describes what happened, but there is so much more. They threatened to take us to court and sue, threatened to damage our ( both my wife and I 's ) credit score as much as possible and garnish both My wife and I 's employment checks until debt was settled. We also can not confirm this, but we think there have been attempts by XXXX to contact us through our employers. We want to work with them and pay it off as we did n't even know that this medical bill existed until he called. That is nobody 's fault except ours, and we know this. We will fix it, but he is being very forceful and very abusive in his calls. The agent 's name was XXXX with Asset Systems. 

After this conversation with XXXX, my wife called me crying. So, I called him to ask for the name of the company he was with, He immediately went to " Do you want to speak to my supervisor? '' I said no, I just need the name and address of your Company please, which he provided. I wanted to report them for this abusive call and their tactics of trying to collect a {$600.00} debt. We my wife called them back during her lunch break today and to settle on a payment plan, but now I feel I need to take action against them for this type of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: CA
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:
My identity was stolen when my car was broken into and this account is a result of identity theft. An auto loan was opened with XXXX XXXX XXXX in XX/XX/2015, The account now shows as a charge off of {$11000.00}. The company informed me they completed their investigation and the results remain the same. I have tried several times to resolve this with the 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: Credit Karma, LLC
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:
Upon checking my report at CreditKarma.com I found that they were using my personal identifying information without my written consent. on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I contacted Equifax in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Equifax again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Equifax that their computers were down and to call back. 

I opened the disputes. I want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I took out a mortgage in XX/XX/XXXX which was a home equity line of credit. The first 10 years was interest only and the 2nd ten years was principal and interest. The mortgage and note we signed are not clear on that. Then XX/XX/XXXX the payment changed from XXXX something to over {$2600.00}. We got no payment change form 120 to 240 days prior to this and now we are behind on our mortgage. PNC who is the bank said they do n't have to send a notice that we knew about on our note and mortgage. We applied for a modification. We got a letter of approval. Made our first trial payment and the day after we made our first trial payment we got a letter of denial on the modification. They are now threatening foreclosure. We have been making interest only payments just to try and keep above water. According to their statements they are not being showed properly on the statements. We really need help here. PNC is the biggest bankster our there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
About 3 months ago I applied for a payday loan of {$600.00}. I received the loan. Since I received this loan I have discovered and been told that in Texas the maximum amount for a payday loan is {$500.00} and can only be for 31 days. Each month for the last 3 months I have been pay {$160.00} a month but they keep refinancing my loan which does not seem to be going down but going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I opened an acct. I used only once. For about XXXX aromd there. I made monthly payment. I agree missing payment.. but I payed before XX/XX/2016. A lot enough to cover the total amount, in XX/XX/2016 XX/XX/2016. XXXX. Then I got a balance for XXXX in dic. XX/XX/2016. In XXXX I call to pay off. The XXXX. They said. The balance is XXXX. And that minimum payment was XXXX. I asked for a supervisor. I was agitated by what they said. The supervisor agreed to take XXXX to satisfy the total balance, now I got a bill for XXXX. Also the acct was clo by them. Long ago

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 2022-06-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced our mortgage with Rushmore Home Lending earlier this year after they were unable to match a competing offer. We closed with the other company at the end of XXXX and were told that our escrow check from Rushmore would be mailed to us and take 7-10 business days to reach us. We have followed up no less than 4 times from XXXX to XXXX with Rushmore to know the status of our check before we were told that the check had been fraudulently cashed in XXXX only after I asked to speak with a manager. Since the first call in XXXX, I have been lied to, told incorrect information and have been met with willful incompetence by every single employee that Ive talk to since then. I have been told so many different things and now they are basically refusing to give me any information to when a new check would be issued after someone told me that I would be issued a check last week and it would be sent via XXXX. I record of who I have spoken to as well as the Managee at XXXX XXXX who has been trying to help us figure this issue out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to request that any and all late payment PNC history that has damaged, and is continuing to damage, my credit score be removed immediately. 

The reason for the late payment was solely due to my lack of knowledge that my mortgage loan was transferred from XXXX XXXX to PNC. All of my bills ( Credit Cards, Student Loans, Car Payments, Mortgages, etc. ) have all been paid in full and on time or before the due date for my entire life - that is not an exaggeration. My mortgage history is no different and was on Auto Pay for many years, in full and always on time. However, when the loan was transferred without my knowledge, the Auto Pay did not transfer to pay the bill with PNC. The main reason that I was not aware of this transfer leading to this unfortunate and unfair situation, is that the only information regarding this transfer was done via physical mail and I was not living at that address at that time. I had no reason to suspect any changes, nor did anyone reach out to me via email nor phone. Nonetheless, once I found out about all of this ( XXXX XXXX, 2016 ), I immediately paid the mortgage with PNC in full and set up Auto Pay with PNC. 

Again, I am writing to request that any and all late payment PNC history that has damaged, and is continuing to damage, my credit score be removed immediately. All of my bills ( Credit Cards, Student Loans, Car Payments, Mortgages, etc. ) have all been paid in full and on time or before the due date for my entire life. It is not fair that this situation should be held against me when it was solely due to my lack of knowledge about the account transfer, and not at all due to my lack of paying the bill. 

Thank you for your time. Please feel free to contact me via phone or email for any follow up inquires and/or if you need any other documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I consumer XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. Portfolio Recovery Associates , LLC mailed me a letter trying to collect on an alleged debt. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can Portfolio Recovery Associates , LLC, allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692 c ( b ) Portfolio Recovery Associates , LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, Portfolio Recovery Associates , LLC has communicated with the all caps name principal obligor, { XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have filed for a discharge of my loans and Fedloan keeps adding interest to my account, while it is in dispute and has been for over two years. XXXX XXXX has been refusing to review loan discharges from from fraudulent schools, such as XXXX XXXX, which I attended. My loans are in deferment, but the interest is adding up @ over {$800.00} per month and being reported to the credit agencies. This is unacceptable and needs to be remedied. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Yes I hired a contractor to to do work to my home the under the roof soft at work he wrote me a contract the total was for {$700.00} I gave him a {$350.00} deposit and he said he would be back the next day to start working and he never showed back up I reached out to my bank and they don't have any rights to cash up or their form of payment I reached out to XXXX XXXX  and explain to them that I was defrauded and scammed and they did nothing for me to help me recover my money so I'm hoping that there they said something in their contract or something I never seen anything saying that they're not responsible I don't know but I just want my money back I'm so upset

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Several accounts were opened in my name with Affirm. I have been dealing with fraudulent accounts under my name as a result of identity theft for the past 4 years. The list of fraudulent accounts that were opened in my name are as follows. 
XX/XX/13 XXXX {$510.00} XXXX {$160.00} XXXX {$260.00} XXXX {$1400.00} These accounts have been reported to all 3 credit bureaus and when i originally reported this as fraud, my claim was denied. I am asking that these accounts be removed from my credit report immediately as I did not authorize these to be in my name and they are a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Bayfield Financial, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
On XXXX XXXX, XXXX I received a garnishment notice from Bayfield Financial, LLC via a plain letter mailed to my sister 's address, which is my address listed for the WI DMV, with an attached income worksheet. Upon further investigation of the stated case information through the WI Circuit Court Access website, I learned of a small claims judgement from XX/XX/XXXX that I was previously unaware of. I have no knowledge of a notice to appear ever being issued nor signed for. After nearly 10 tax years, XXXX jobs ( including 6 years of military service ), and multiple address changes I am now being notified of a nearly {$1400.00} judgement that has accrued an additional {$2000.00} of interest. I have researched Bayfield Financial, LLC 's role and determined that they may have purchased my " debt '' back in XX/XX/XXXX and have a history of unlawful practices such as this. My complaint is that they did properly notify me to appear via certified mail nor file a garnishment/tax refund interception for the past 9 years while interest has continually accrued. They also did not include any information about the original debtor so I can try to determine the full scope of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received notification stating " Retail Card Over Limit ''. SYNCHRONY Bank had taken my credit limit to an amount ( {$900.00} ) lower than my current balance ( {$900.00} ). The company decided to decrease my line with no previous notification on doing so. This is wrong and unfair to customers given that all my payments have been done on time and my income has increased since I applied for this service. Also it is important to mention that they use tactics to lie to customers regarding their services. I was told that this was a loan rather than a credit card. This is not the first time they do a line decrease on my account, which is absurd given that my other credit companies increased my limit. Also I don't know how or if these companies are allowed to inquire about my 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 2016-04-11
Company: LENDER LIVE
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Lender Live was my mortgage servicer up until they transferred my loan. Lender Live sent my escrow payments to the wrong municipality, creating a large deficiency in my escrow and then notifying they were more than doubling my payments. When I notified them they had made a mistake, they never explained what happened, only that they needed to request refunds from the municipalities they sent my money to so they would be able to pay the correct taxes ( due to their error my property and school taxes were paid late ). They have yet to correct the issue, and provided the wrong escrow information to my new loan servicer so I am yet again trying to rectify the issue that Lender Live created.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: LENDER LIVE
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage servicer is lender live. i refinanced last year in XXXX. at the time of closing i paid down 3 month of escrow for my taxes and also prepaid interest XXXX. right now my loan servicer is raising my payment by {$110.00} because they claim that i need to have additional 2 month cushion for my escrow. initially when they took over my mortgage they were asking me to pay the insurance which numerous times i rejected it because i want to deal with my insurance myself and now escrow for my taxes. servicer will not return phone calls or respond to messages. last conversation i had with them they told we will raise your payment and we will do it at any given time when there is a change in your taxes. my taxes are {$690.00} a month and based on projection for 2016 it will come up to {$690.00}. why should i pay {$110.00} every month more. i refinanced to lower my payment and this servicer is telling me flat out you will pay more. i can not afford to refinance again to lower my payment and get into another servicer who will do the same

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: SC
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 Bank Account # 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Bank Account # 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 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

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 2022-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
U S C 1681 Section 602 A An direct unlawfully report on my credit report.

U S C 1681 Section 604A Another direct unlawfully reporting on my credit.

Company response to consumer: Closed with explanation