BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: NY
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:
A company called XXXX is on my Experian credit report that is not mine. I have tried to contact them and the credit bureaus and nothing is done.

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 2021-06-17
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:
On XX/XX/2021 I mailed letters to the XXXX, Equifax and XXXX about innacurate information reporting on my credit reports and I have recieved no response, they are supposed to respond back within 30 days and they have all failed to do so. This is causing me so much stress and keeping me up at night. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I feel that Ditech is discriminating against me based on the type of loan I qualify for by offering bi-weekly payments to some borrowers but not to others. By them not allowing me to make bi-weekly payments on my loan based soley on the type of loan I was able to qualify for it significantly impacts my financial ability to pay my loan off as quickly as other borrowers who have better qualifications. I spoke with XXXX, employee # XXXX at Ditech who refused to allow me to pay my loan bi-weekly because of the type of loan I qualified for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX and XXXX XXXX. XXXX acct XXXX with Ditech . We have been trying for over six weeks to get a payoff amount for our house as we are selling it now in 2 days. I have left numerous messges, emails and on hold while trying to do this on the phone for anywhere from 30minutes to over an hour. Left message when I could get through for XXXX XXXX my bankruptcy representative at least twice. Most times I can not even get to her voicemail. They are taking our money but we get no customer service. Yes we are in bankruptcy but paying the house payment ourselves not through the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have made at least XXXX attempts this year to try and resolve the issue with my credit reporting company Equifax. I have provided proof that they went over XXXX days in providing a dispute and attempted to ignore or deliberately hide it. Instead that they have only provided generated responses. As of now, I am serving notice that I will be pursuing a civil suit against Equifax for XXXX reasons : monetary relief for each negative item, permanent removal of all negative items disputed from XXXX 2014 to present, and pain and suffering due to denial of credit and not being able to purchase a home. This can be prevented if Equifax can permanently remove the items. I want more than a generic response saying that items were verified. FCRA requires you to remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began receiving calls from XXXX XXXX in XXXX of this year, however, they never left a message and I thought it was spam and never answered. At the end of XXXX or early XXXX our credit limit was decreased suddenly for no apparent reason. After applying for a credit card and getting declined I found out that somehow I was in debt collection with XXXX XXXX XXXX for {$2200.00}. It seems that somehow my name became associated with a debt that PayPal sold it to XXXX XXXX XXXX even though I haven't used PayPal since XXXX. According to one representative at XXXX XXXX XXXX, the statements that PayPal was supposedly sending me were being sent to a house in XXXX, PA close to where my parents used to own a home but it wasn't an address that I ever resided at. 

The unpaid PayPal charges were supposedly incurred through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX OR XX/XX/XXXX, and XX/XX/XXXX. Again, I have not purchased or sold anything on XXXX since XXXX and have not used PayPal since that time. 

Additionally, I never received an debt validation letter from XXXX XXXX XXXX, otherwise I would have been quicker to point out that this debt is not mine.

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 2015-08-04
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I filed a complaint with all XXXX credit bureas : XXXX, XXXX and XXXX on XXXX XXXX, 2015 about medical debts listed on my credit report that I dispute. XXXX Collections or The advantage group as they are listed on my credit report are continuing to call me leaving voice messages trying to collect the debt without investigating the items or listing the investigation as complete or still owed to the credit agencies. It is my understanding that they are not to attempt to keep collecting the debt unless they have finished and reported their findings to the credit agency companies. They are in violation because they keep calling me trying to collect the debt without investigation of the disputes.

Company response to consumer: Closed
Consumer complaint received 2016-04-20
Company: BMW Financial Services NA, LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
HI I TRADED IN A VECHILE 2 YEARS AGO TO XXXX XXXX IN XXXX NEW JERSEY. COMPANY NEVER PAID THE LOAN OFF ON THE VECHILE. IVE BEEN PAYING IT FOR A YEAR AND HALF AND UNABLE TO PAY ANYMORE. THE DEALERSHIP SOLD THE CAR TO ANOTHER PERSON AND REMOVED THE LEIN OFF THE TITLE AND MYSELF AS TITLE OWNER. I FILED A POLICE REPORT WITH THE POLICE DEPARTMENT IN NEW JERSEY. THE VECHILE WAS NEW YORK STATE TITLED WHEN I WAS LIVING IN NEW YORK. THE BANK HAD NOTIFICATION FROM THE DEALERSHIP THAT THE VECHILE WAS TRADED IN, I EVEN HAD PAPERWORK OF THE TRADE IN WHEN IT TOOK PLACE. THE DEALER I BROUGHT THE CAR FROM WAS LOCATED XXXX XXXX XXXX, SALE PERSON XXXX XXXX WHO IS UNDER INVESTIGATION FOR A XXXX DOLLARS IN LOAN FRAUD. ITS NOBODY TO CONTACT BECAUSE I WASNT THE FIRST VICTIM. I HAVE NOTHING DELINQUENT ON MY CREDIT REPORT AND LOOKING FOR A RESOLUTION. THE BANK BMW FINANCIAL SENT ME A POWER OF ATTORNEY TO GET THE TITLE BACK IN MY NAME. I ALSO ASK THEM TO HELP ME PUT OUT A REPOSSESSION ON THE CAR TO GET THE CAR BACK. THEY SAID THERE IS NOTHING THEY CAN DO. I NEED HELP BECAUSE I HAVE KIDS AND CANT GET MY CREDIT RUINED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021 I was at the XXXX XXXXXXXX XXXX In XXXX XXXX stranded when I tried to use my American Express XXXX, and they all declined : On XX/XX/2021 I went online to pay my bill and the system would not allow me to pay American Express, so a few minutes later I saw a red dot, and the word cancelled on all my accounts, the bills were not due until the XXXX, called them to pay them over the phone, and was treated like some type of a thief the agent took the payment and said hold on, there is a note that says '' call the banking institution to make sure funds are available, I was a shame that and my XXXX XXXX jump to XXXX because of the embarrassment, the agent was asking the bank agent did I have money in my account and the bank agent was asking me, is it okay to answer, I was told humiliated and when I asked the cancellation the department why would you all do this to me since I ve been your customer for over some XXXX years, after i explained to him I had been almost killed by XXXX, and that the XXXX account that was used probably was the one cancelled by error after I had complaint to them that i never received the new debt card that had been since to me prior, so they cancelled it for me, since I was in florida with my daugther from XXXX until XXXX due to her illness. I was told that they looked at my fios score, without my consent, and they notice a lot of hits, that I had no knowledge of, I did explain to the agent that XXXXXXXX XXXX had contacted me about fraud on my account and it was handled with professionalism

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: PMAB,LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX 2014 XXXX issued a phone number to me for new smartphone. A few months later I began receiving calls once or twice a week from XXXX in XXXX, NC. The calls are continuing. From online search I found info that says this is a debt collection agency. My phone number is on Do Not Call list but it says that debt collectors can continue to call. I have never had a debt problem. No reason for them to call me. Is it possible that someone else with a debt problem had this phone number before me? How to make them stop calling?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Pnc bank did not utilize my overdraft protection when a check that I wrote to my daycare posted to my account on XXXX/XXXX/16. Even though I had enough in my overdraft account the check was returned. I was charged {$36.00} by PNC for NSF. I had to pay {$35.00} to my daycares bank for the check being returned and {$13.00} to my daycare because they also have a return check fee. PNC only refunded the {$36.00} that they charged me. I requested the additional fees be refunded but they never paid me back for the {$35.00} and {$13.00} fees. I am attaching statements for my checking account and overdraft account. The last page will show my daily balance on XXXX/XXXX/16 which will prove there was enough money to pay that check. The {$35.00} and {$13.00} were both processed as checks so pnc should be able to view and verify that I was charged those additional fees. I am confident that this was a banking error and need help getting a refund for these additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account in XX/XX/2020 w/a cash incentive if I were to have " recurring monthly direct deposits totaling at least {$500.00} from a third party to my HSBC Advance checking account for 3 consecutive calendar months from the second full calendar month after account opening. '' I made an initial deposit of {$100.00} to fund it, {$500.00} to increase my balance, and then {$250.00} thereafter. The offer indicated that I would " automatically receive the {$200.00} Welcome Deposit in my new HSBC Advance checking account approximately eight weeks after completing all qualifying activities. It's that simple. '' I began  inquiring in XXXX when I didn't see it paid. A few times I was told to wait a few more days and, if it had not been credited, to chat back so a ticket could be open. I thought the bonus was for {$450.00} and one of the chat representatives even corrected me that mine was for {$200.00} given my XXXX XXXX. I have chatted at least 7 different times and everyone either said I did qualify and to wait or that a ticket was opened to see why it had not posted. Today I chatted and was told that per ticket # XXXX I did not qualify because I did not open the account right. This is absurd, unprofessional, and I'm confident it is in violation of UDAAP. I opened the account from the promotional page within their website, so how am I to blame for any errors on their end?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the accounts listed below multiple times. I have sent many letters and these accounts have remained on my credit reports. In accordance with the Fair Credit Reporting act these XXXXXXXX accounts have violated my rights. 

1

5 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 XXXX XXXX XXXX Account number XXXX XXXX DEPARTMENT OF EDUCATION Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number 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 2015-07-21
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC Bank re-ordered my transactions to charge XXXX fees, instead of XXXX. This has happened more than once to me recently and it caused a downward spiral of my finances for weeks. I was able to get refunds on some, but it took hours on the phone while at my job. In the print-outs attached, the XXXX transaction is what made my account negative. The XX/XX/XXXX fee refund was for the XX/XX/XXXX fee. The XX/XX/XXXX fee was caused by the XX/XX/XXXX XXXX transaction. So why the XX/XX/XXXX fee? The bank 's explanation is that the XX/XX/XXXX fee was caused by check XXXX on XX/XX/XXXX. That check pended for XXXX days and cleared before the XXXX transaction was pending. After the check cleared, the balance in the account was {$1.00}. I saw this happen and that scenario is refected on the print-outs. However, the bank took the XXXX transaction XXXX, according to bank personnel and the explanation attached to the XXXX, which I could not print. So that caused XXXX fees, the XX/XX/XXXX fee and the XX/XX/XXXX fee. I was able to get a refund on the XX/XX/XXXX fee. This should be illegal and this agency should be stopping this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: PNC Bank N.A.
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with PNC. I had to declare bankruptcy in XXXX and have since paid off the bankruptcy. The PNC mtg co said l still owed some money for property taxes yet it showed I was up to date with all payments having been paid on time with escrow for taxes and insurance. They insisted there were back property taxes and were able to prove that was the case. I asked for a modification and they directed me to their website to print out all the necessary forms. During this time while l was getting all information together they stopped accepting my monthly payments saying the could not take payments while I was behind but my online account showed me up to date till XXXX XXXX. When they got to four months returning my payments the began foreclosure procedures against the home. I had sent in most of the modification forms, they had me change some several times and just as I got to the final date they said the did not receive a profit and loss statement I sent to them several times on the fax number used for all other submissions. As a result l had to start over. In order to not lose my home to foreclosure l filed for bankruptcy again and resubmitted all the documentation for the modification. The bankruptcy filing stopped the foreclosure, I would prefer not to file the bankruptcy the trustee and my lawyer have held off the filing of bankruptcy by certain language until I get a determination on the modification. They finally rejected my modification saying l did n't have enough income and l could ask for a short sale of deed XXXX lieu. My house has almost {$150000.00}. In equity. I have since then appealed the rejection of the modification on XXXX XXXX, XXXX this needed to be in by XX/XX/XXXXand now the will take until XX/XX/XXXX. I had added a statement from the State of New Hampshire showing they paid me just under {$6000.00} for XXXX this was for child care and I forgot to include it in the list of income for the modification. 

My complaint is noting all of the above efforts the mortgage co. Has run me around after a payoff on chapter XXXX and five years of on time payments the deliberately returned payments made on time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to make me four months behind to foreclose on me. As a result I have had stress, my family has been torn apart my wife and l will probably end our 45 year marriage. Currently we are in the process of listing our home for sale. What this company has done to us is despicable. We were very good customers during the chapt XXXX pay off an the few months after. During the five year chapt. XXXX pay off period the offer XXXX trial modifications both time their terms we set at a time before we received the offer and we could not fulfill the terms although we kept paying the regular amount on time the first of the month for more than the amount offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: ENCORE CAPITAL GROUP 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:
Per FTC sec 609 credit agencies are not validating my credit account they are simply verifying my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-04-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times. 

Also my name, all the incorrect spellings of my name needs to be deleted.I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times.

Also my name, all the incorrect spellings of my name needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times. 

Also my name, all the incorrect spellings of my name needs to be deleted.I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times.

Also my name, all the incorrect spellings of my name needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
( No Contract ) leg al items was verified from A third party & placed on my credit report

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