BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: PNC Bank N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Subject : Complaint against PNC Bank regarding unjustified late fees, lack of payment notification, and persistent online banking issues Dear Sir/Madam, I am writing to formally file a complaint against PNC Bank concerning multiple areas of concern, including the mishandling of my credit card payment for the XX/XX/XXXX statement period and the ongoing issues with their online banking system. 

For your reference, I have been a PNC Bank travel credit card holder for over XXXX years, consistently paying my statement balance on time with few exceptions. I made a payment of {$5500.00} over the phone on XX/XX/XXXX, one day before the due date. 
Between XXXX XXXX XXXX XXXX, the PNC 's online banking system displayed the successful payment of the statement balance, leading me to believe that no further action was needed on my end. However, PNC Bank failed to process this payment, resulting in the application of a late fee and interest charges on my account on XX/XX/XXXX. 

Upon contacting PNC Bank, I was informed they couldn't locate the bank account from which the payment was initiated. Notably, I have been using the same XXXX bank account to make my credit card payments every month. Moreover, I've faced recurring problems with the PNC online banking system, which has made online payments impossible. And when initiating payments from an external bank, PNC often takes up to XXXX business days to process, leading to further delays. These ongoing issues were a significant factor in my decision to close my PNC checking account back in XXXX. 

Despite these challenges, what stands out is PNC Bank 's failure to notify me of any issues regarding the phone payment before the due date, preventing a timely resolution on my end. 

After addressing the unpaid balance on XX/XX/XXXX, and escalating the issue to account supervisors at PNC Bank over the phone, I was met with an uncooperative response, and the fees were not reversed. 

While I am personally seeking a resolution to these undue fees and charges, it is my hope that by bringing this to your attention, measures can be put in place to ensure that financial institutions, like PNC Bank, can not impose unwarranted charges on other customers or cause them similar distress in the future. It is essential that banks operate with transparency, efficiency, and a genuine commitment to their customers. 

I trust that the Consumer Financial Protection Bureau will rigorously investigate this matter and ensure fair practices are upheld. I am prepared to provide any additional information or documentation as required and look forward to a satisfactory resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Phone number : XXXX Email : XXXX PNC credit card number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 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 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 2021-09-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Suntrust rearranged transactions in the checking account to obtain overdraft fees holding deposits and rearranging deposits to gain more fees they also ran transactions through when card was locked and approved transactions that should haehvbeen denied so they could illegally obtain overdraft. Overdraft protections were off

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 2023-05-26
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: Information belongs to someone else

Complaint:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is about the sam club account. This account is alaready payoff and close. I am supprised because still calling me me and the account is opened.     Regards

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 2022-04-16
Company: Spring Oaks Capital, LLC
State: TX
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SPRINGOAKCAP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
ON XX/XX/2022, I ordered 2 items for XXXX from walmart.com received one, and requested that Walmart send proof of delivery for the one that wasn't received.

to date, 9 months later Walmart hasn't complied with my request. after my continous request for the proof of their said delivery. the total sum of the balance was paid after they threaten collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Monthly Statement showed the requested cash out ( transfer ) of reward/award points from survey sites of {$480.00} was erroneously recorded as a " Cash Advance '' ( transfer ). First contact with Paypal was made XX/XX/XXXX with Service Rep XXXX ; Second XX/XX/XXXX : Third and Fourth on XX/XX/XXXX and XX/XX/XXXX. Finally, I am sending the un-cashed check voided to Paypal with notes regarding their failed customer service process. I will further comment to each of the Survey sites these funds were earned from, letting them know why I will be discontinuing my participation in their product, survey and product panels going forward! 
I refuse to pay for receiving monies I have earned..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked the two credit report agencies, XXXX and Experian to investigate this unknown account, XXXX XXXX XXXX XXXX XXXX # XXXX appearing on my credit file. I asked them to furnish me with a contract or agreement bearing my signature to help me determine if this account is fraudulent. They have not provided me with this information. 

XXXX and Experian did not investigate this this account. These agencies stamped the dispute as accurate with no proof to support their opinion.

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 2023-10-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
You are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I have notified XXXX, XXXX, and XXXX that the following account is reporting inaccurate. 
The terms on the following account is invalid. The account number is missing and the payment summary is incorrect. 
Please remove this account immediately and CEASE all reporting to all 3 credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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 has violated my rights. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: CITIBANK, N.A.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I completed on a house sale in the XXXX and my lawyers bank in the XXXX sent the proceeds to Citibank for credit to my account at XXXX ET when the XXXX was {$1.00} all day. Citibank failed to credit my account until the following day when the XXXX had collapsed t {$1.00} costing me over $ XXXX. They had my money in their account for over 24 hours before crediting to my account. I am asking they backdate the transfer and give me the previous days rate. Their inefficiency has left me materially out of pocket and they refuse to take responsibility despite acknowledging they had the funds all the time. Please tell me this can not be right or legal.

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 2021-05-24
Company: ECMC GROUP, INC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had my student loans dismissed because of my XXXX. I called Educational Credit Management Corperation ECMC XXXX and inquired about this loan because according to my credit report these loans were opened on XX/XX/XXXX in the amounts of {$1900.00} {$1300.00} {$4600.00} {$2500.00} and they are reporting this as paid collection charge off.I questioned it because I know for certain I didn't open a loan during that time. I called to inform them that this account might be fraudlent because I am a victim of the equifax data breach. I called and spoke to a represesntative who stated that I opened these accounts in XXXX and that the date opened that I see is actually the date my account defaulted on my loans. I informed the representative that they were illegally and knowlingly reporting misinformation to the credit bureaus. This company has been doing this for years knowing that if they reported the correct date they wouldn't be able to report that account as a charge off and that payment information wouldnt be impacting my credit negatively. This affects the age of my credit file as well. I have my primisory notes as well these loans were discharged by the federal government because of 34 CFR 685.213 - Total and permanent disability discharge I fall under veteran part of this. I became XXXX XX/XX/XXXX and they have been reporting this information since then. I am trying to buy my first home and have worked very hard to clean up my credit with no help from any agencies or lawyers. Since I've been doing this now my file is very limited. I can't even get a credit card because of so many charged off accounts and how recent they are. The customer representative said that these would stay on my report until XXXX even though I just informed her that the company was reporting misinformation to the credit bureau. I have contacted the credit bureaus about this to clear it up but this company is doing some illegal practices.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file U.S. Bankruptcy Court XXXX XXXX Bankruptcy Dismissed Reference # : XXXX Date Filed/Reported : XX/XX/XXXX U.S. Bankruptcy Court XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/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 2021-09-28
Company: Affirm Holdings, Inc
State: OH
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:
Affirm inc account # XXXX Affirm in account # XXXX Affirm in is reporting information to my consumer report without permissible purpose. 
under 15 U.S code 1681b Permissible purposes of consumer reports. i never gave this company written permission to report anything on my consumer report no permission is identity theft. ive expressed to this company several times that this account should not be on my consumer report but they kept it on my profile anyway. Willingly after after i had sent them a certified letter with the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: FL
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:
I HAVE LOOKED OVER MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES AND ALSO FOUND SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES AND NEGATIVE ACCOUNTS HAVE CAUSED SO MUCH HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA WHO WAS ABLE TO DO THIS AND HOW IT WAS DONE. I AM CERTAIN THAT THE INQUIRIES AND NEGATIVE ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. MY CREDIT HAS BEEN DAMAGED BY SOMEONE WHO STOLE MY IDENTITY AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES.

Company response to consumer: Closed with explanation