BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/2020 I called the PNC call center for assistance. Due to COVID-19 my flights from XXXX XXXX to XXXX were canceled. I contacted XXXX XXXX to apply for a refund since they cancelled the flights. They said they could but had to process the refund to my original form of payment. The debit card I used that is tied to my PNC Checking account wasnt active because I had closed it due to suspicious transactions. I contacted the PNC call center just to ask if they could put my old debit card on a status to  block debits but to allow credits just so I could get this refund. The person on the phone told me they couldnt but that they could dispute the transaction since I didnt receive the service from XXXX XXXX. Believing she knew the right thing, I followed her lead and she told me that I would be credited the money back shortly. Now, she did read a statement about provisional credit but made it seem like it was just something she had to read. I received a letter in the mail that said I had to sign it in order to process the credit that the PNC employee told me Id get. I signed it and sent it back. Within a few days, I received my credit. Yesterday I was stunned to see that my account was negative {$1400.00}. I couldnt figure out why until I put 2 and 2 together. I travel for work so I received no notification that this money was being reversed and had happily continued spending as such. I dont even know if the bank sent any notification as I wont be able to check my mail until the weekend. I contacted XXXX XXXX and now they are just flat out refusing to issue me a refund, my account is negative with PNC during a pandemic and on top of it, PNC is charging OD fees of {$36.00} each for transactions that had been approved and were pending before they reversed my credit. I am sure that Im the days to come I will receive even more OD fees which will put me even more in the hole and unable to pull myself out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/XXXX I noticed a credit card listed on my XXXX credit report from XXXX XXXX The credit card has a {$4000.00} credit limit, was opened in XX/XX/XXXX. It was then closed in XX/XX/XXXX with an outstanding balance of {$2500.00}. 

I notified XXXX XXXX XXXX and they were to investigate this matter. As of today 's complaint, this account is still on my credit file with reporting of 2 late payments on my credit file. This fraudulent account has also caused my credit score to decline significantly. Futhermore, this account is only reporting on XXXX and not the XXXX other credit reporting agencies- XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The end of XX/XX/XXXX I submitted a payment for XXXX to NationStar, they received the check-they had a scanned copy, however they did not apply it to our account. I received the XXXX statement from them and was then made aware of the problem. This went back and forth calling, them not responding and calling, leaving messages until XXXX. I finally spoke with a live person-XXXX on XXXX XXXX. She said she did see the check, but it was not applied to our account, so she was going to investigate and I was to call her back the following Thursday. She said if they did not 'find ' the check we would have to do a stop payment, but would be reimbursed all fees from our bank, because it was their error. Also, she said they would remove all penalties and fees we had added to our account. I was going to make XX/XX/XXXX payment to next day, but she said she would do a check by phone, at NO CHARGE because of the problems we had been having, she said that way we knew starting with XXXX we would be ok. The following Thursday, XXXX XXXX I tried calling her, I left numerous messages as did my husband. No one EVER returned any of our calls. 
On XXXX XXXX I did a stop payment on the check for XXXX. My husband talked with XXXX in Customer Service XXXX XXXX and did a check by phone to clear XXXX. 
However, when I went online to check the account it was still in arrears! 
Since XX/XX/XXXX they are taking the payment, then reversing it back out! 
So, the fees/penalties continue to add up. We have called almost daily and no one will return our calls or do anything to help us. All they say is they will investigate, then send a letter saying we are behind, when are we going to get the account current????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The accounts listed below are still reporting to XXXX, TRANSUNION, AND XXXX. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention

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 2022-09-24
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Timeline : XX/XX/2022 : I opened a Discover Secured Credit Card with a {$200.00} deposit XX/XX/XXXX : Was told I did not meet tax requirements, and card would not be activated, and money would be returned. XX/XX/2022 : I called customer service, and was told that the reimbursement would take up to 60 days, and to call back then. I asked them to let me know when the time was near, as I would be changing addresses. End of XXXX : I had not heard from Discover, so I reached out ( knowing the date was approaching ). They then told me that a reimbursement check was sent to my former address. I asked them to cancel this check and send to my new address ( which I gave ), and was told shipment would take 10-14 business days. XXXX ( 2 weeks later ) : Without receiving check, I called again to customer service, who told me that the check was AGAIN sent to wrong address, as they did not update properly as promised in previous call. I then gave them my new address and received an email stating that the address was updated in system. Customer rep said that this check would be expedited, but to wait at least 7-10 business days. End of XXXX ( 2 wks later ) : Check didnt arrive. I called customer service, and they had no answers re : check, but said I was eligible to an ACH transfer, but that it would take 7-10 business days. I agreed to cancel the check and move forward. XXXX ( 12 days later ) : Neither the ACH deposit received or cancelled check ( that was promised to be in mail 3 weeks ago ) have not arrived. Called customer service, who escalated to a supervisor and said that they would escalate and expedite request, but to wait 7-10 business days. I was also promised for a call back for an update ( which I never received ). Today ( XX/XX/XXXX : 7 days later ) : Called Discover Card Customer Service, who assured me that ACH attempts have been made on two occasions. I then brought my bank on the line XXXX XXXXXXXX XXXX ) to discuss directly, and no transactions have been attempted. Meanwhile, the check ( now calncelled ) that was meant to be sent out a month ago has still not arrived. ( XX/XX/XXXX ) Customer service is now saying that I wont be receiving an ACH xfer, but a check instead, and that I need to wait for it to arrive, despite the previous promised checks never arriving. I am now waiting for another call back, and have been told that my case in under investigation, and that there is no promised timeline for an outcome. At this point, I dont trust that Discover is doing anything to rectify the situation, and may have to consider filing for loss/damages, as I have spent hours upon hours trying recover my money. As a payment-processing company whose job it is to oversee transactions, I find it extremely inappropriate ( and possibly fraudulent ) that they need over 5 months to return a deposit that they should not have qualified me for in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my credit report from XX/XX/XXXX - XX/XX/XXXX that are not familiar to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SINCE 2019 I HAVE BEEN FIGHTING AGAINST ID THEFT. THERE HAVE BEEN MULTIPLE ACCOUNTS AND INQUIRES THAT HAVE DISPLAYED ON MY CREDIT. WHEN CONTACTING THE CREDIT BUREAUS AND REFRENCING 605B THE INQUIRES STILL 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
Consumer complaint received 2022-10-18
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is no other way to put it but XXXX XXXX is being run by donkeys. Actually no offense to donkeys because they might have more brain than these idiots. 

They kept sending emails to try their new XXXX transfer service. And this is what happens when you try to use their XXXX XXXX service. 

I transferred $ XXXX to a linked account yesterday and XXXX XXXX has decided to debit that $ XXXX from the account twice and showing me that my account is overdrawn. I have an emergency today and I need to go see a doctor but I can't access the money. When I try to call XXXX XXXX it is like trying to talk to donkeys. First call, I get someone who is giggling and talking to someone else and wont even pay attention to the call. Then I get someone who says that XXXX XXXX has taken out $ XXXX twice from my account and that I need to reach out to them. These idiots aren't even able to recognize that this is a transaction imitated from XXXX XXXX XXXX own stupid website. Then finally I get a supervisor who says there is nothing she can do and I just need to wait till the end of the day hoping it will resolve itself. When you ask for someone higher up, their standard answer is that they are " in a meeting ''. These XXXX XXXX  $ XXXX  are habitual liars. 

So now I have an emergency and need to go see a doctor but I cant access my funds. I cant withdraw then from an ATM, I cant transfer them nothing. If the situation was reversed and I made a mistake and overdrew my account, these $ XXXX would have piled up fees after fees. 

I also initiated XXXX XXXX pulls from my external account yesterday ( for separate amounts ) debiting the money from $ XXXX and they have been rejected and I have been hit with 2 fees from that ban. All because XXXX XXXX can do some simple math. 

The worst part is that even after I have alerted them about this they are unwilling to fix it.

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 2023-04-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. This account has VIOLATED MY RIGHTS!!! ( ( XXXX XXXX XXXX XXXX ) ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature, proof they own debt, payment plan/history and creditors information or I expect this account to be deleted within 30 days!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a complaint with Capital One for {$140.00} against XXXX at XXXX ; as the conditions of the cabin weren't fit for a rat! 
Capital One sent a letter dated XXXX I received XXXX, for more information and a form to fill out. 
I have tried for 2 hours to upload the forms to them, in addition to photos & videos showing the deplorable condition of the cabin ( blood on the pillows, XXXX on the sofa pillows, no a/c, fan not working, no electricity ). 
Hower Capital One system will not upload these. 
I called XXXX XXXX with XXXX XXXX the Philippines XXXX She couldn't understand the simple situation of the computer would not take anything I tried to upload? 
She put me to her Supervisor XXXX, in XXXX ID # XXXX. 
XXXX was the same : saying the files were too big - they were not, less than 4 pages. 
Then XXXX said that she needed 'documentation ' not photos. (??! ) If I am trying to show COne that there was blood on the pillows or the beds were broken need to send photos. 
XXXX could not understand anything, and said she couldn't fix the computer upload as well. 

I need to have a direct email of someone at COne where I can send my documentation including the few small reports they asked for, the 34 photos and 2 videos!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Experian Information Solutions Inc.
State: MO
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:
The accounts listed below are still reporting to XXXX, XXXX, AND EXPERIAN. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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