BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: PNC Bank N.A.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a customer with PNC bank. I have a personal account and a business account there. 
I applied for the PPP 1 loan. I submitted complete and clear documentation indicating that I had a few W-2 employees and the rest 1099 employees. PNC approved a loan for {$110000.00} indicating that everything I submitted for was eligible under the statute. 

Six months later, they came back and said that the 1099 's were not eligible to receive the money and they were recalling {$75000.00} of the loan. We have called PNC on multiple occasions during which they a ) erroneously told us that originally the 1099 's were allowed and that the SBA changed the rules. SBA confirms that this was not true. b ) refused to give us a copy of the underwriter 's document to let us know who at PNC approved the loan c ) a number of the people we spoke with refused to give us their names and d ) they told us there is language in their loan that indicates 'regardless of whether there is lender or borrower error, PNC is not responsible. '' According to other banks I have spoken with, PNC could have worked with us un multiple ways to get a better outcome for us, but they took know responsibility for us as a client or for their error. 

I know this is a CONSUMER agency. We have appealed to the SBA. 
We have appealed to our Congressperson We have appealed to PNC No one is listening to us and seemingly everyone has a way out of liability for this except for us. I am a consider of PNC and I desperately need someone to hold PNC accountable for their unethical practices here. They have put up numerous roadblocks to helping us in any way for an error that is clearly theirs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: Atlanticus Services Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15USC section602 states I have the right to privacy.

15USC 1681Section604A Section 2 ; its also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
After reviewing my latest consumer report, I have identified the inclusion of bankruptcies that reporting. I am aware of a violation of 15 U.S. Code 1681a ( 4 ), which pertains to the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be on my credit report, and furthermore, it appears that my personal information has been used without my consent. Use of my information without consent is identity theft. I am a victim of identity theft, and as such, there are criminal and civil liability associated with these discrepancies. I will pursue to next elevated action against you. Please correct urgently and without delay.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
These accounts should not have any late payment remarks at all! I'm always paying on time. This is the company 's mistake and they shall correct this at once!

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 2023-12-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is the third time I am submitting a complaint. After this I will be looking into legal action for discrimination. My phone carrier is not supported by Citi bank and they are refusing to let me access my funds unless I change my phone carrier. This illegal discrimination against low income families and customers is unacceptable and I will be seeking compensation and relief for this constant harassment.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: ND
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020

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 2022-05-02
Company: Social Finance, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
opened the account XX/XX/XXXX and setup direct deposit from work, Sofi frozen my account after first direct deposit sent to my account on XXXX, tried to contact them on both regular support and Security Team and it all goes to voice mail, they froze my account and never contact me and I have no way to talk to a real person, and I can't transfer the fund out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon reviewing personal credit report, found entries from XXXX XXXX. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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:
I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX 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 2021-08-02
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Care Credit card in order to finance some upcoming dental work. When I added my phone number and last 4 digits of my social, an address in the XXXX of XXXX XXXX XXXXXXXX would pop up. Someone with my name who lived in " Public Housing. '' Even though I changed the address to my address in Oregon, my application was refused. I have excellent credit, do not live in NY, and keep tabs on all three major credit reporting agencies. My concern over this caused me to freeze my credit, utility history, and bank records. Also to begin a subscription to an Identity Theft company as apparently this is affecting my Social Security number. 

I called the company who said they could not provide any info regarding the refusal but that I would get a letter. I received that letter this morning saying the following : " We have received your request for a credit product with CARECREDIT issued by Synchrony Bank. 
Unfortunately, we are unable to approve your request at this time. 
Your request was denied for the following reason ( s ) : High risk source of application '' The letter suggests the recourse be to within 60 days obtain a copy of a consumer report however I am looking at all 3 agency reports with credit ratings all in the XXXX 's and no info regarding an address in the XXXX. Please help.

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 2022-05-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal Close My Account For No Reason. I checked there users agreement and there is nothing that I would have done and checking my activity I am no wrong even they close my account .I earn money after hard working over 1 month. I lost my whole money. I try to contact to paypal customer service many time but didn't got any response. I open my paypal account via this XXXX  id ( link with my paypal account ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: VA
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:
This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$270000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2017-05-04
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
OCWEN/GMAC MORTGAGE WAS PAID IN  XX/XX/XXXX  BEING REPORTED AS CHARGED OFF INSEAD OF PAID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I received a targeted special invitation via email to open a Kabbage checking account. I applied and was immediately declined for selecting a prohibited industry type. I am a reseller and that industry type is NOT on Kabbage 's list of industry types to choose from so I tried to pick something similar. I ended up selecting Other Miscellaneous Retail ( excluding tobacco ). I called Kabbage to explain my extenuating circumstance, but they would NOT allow my denial to be reconsidered. That is totally ridiculous. Why even send me the special invitation in the first place? On top of that, why is Kabbage even putting these so-called prohibited industry types on their list? Why not just exclude them to begin with? This is a complete waste of everyone 's time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: CO
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 report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1XXXX XXXX XXXX. 

Account Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Acct name : Dept of Education/XXXX Acct XXXX XXXX XXXX Acct name XXXX XXXX XXXX ACCT # XXXX ; Acct name XXXX XXXX XXXXXXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX XXXX Acct name XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Ref 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 15USC 1681 section 602 A. states I have the right to privacy.

15USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 7 years, 15 USC 1681a-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my checking account that I've had for at least three years with Capital One Bank was frozen. I am a XXXX XXXXXXXX for XXXX. I file my taxes using my name and ssn. I applied for and was approved for the SBA Covid-19 Grant and Eidl Loan for my business. The amount frozen is approx $ XXXX. Capital One bank has since frozen the checking account and demanded that I send them my XXXX tax docs, and a bank statement showing either a tax refund or paying in taxes. 
I immediately emailed my XXXX Tax Return. I did not receive a tax refund because my AGI was negative, therefore there would be no other documentation that I would have other than perhaps a copy of

my 4506-T form. The bank says the SBA froze
my funds due to fraud? I have had numerous conversations with the SBA Tier 2 reps, and have been informed that the SBA has no issues with my grant and loan funding and that they were not aware that Capital One Bank has frozen the loan and grant proceeds. 
So this so-called fraud investigation, is something that Capital One Bank clearly is using to justify illegally seizing customer funds. Hoping to find a crime, where one does not exist. The way the bank is conducting business, is deserving of a Federal Investigation and Congressional Hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to delete the following information off my credit report. I ask that these fraudulent charges be removed from my credit file as soon as possible. I have already contacted the Federal Trade Commission 's Identity Theft Affidavit so that these charges can be removed from my file because it is hindering me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I attach a letter dated XX/XX/XXXX explaining I dropped the XXXX XXXX vehicle on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, CA and on XX/XX/XXXX I telephonically contacted XXXX XXXX XXXX to inform I had dropped the vehicle. The extended lease on the vehicle expired on XX/XX/XXXX and all the payments were timely made. On XX/XX/XXXX I received a threatening telephone call from an individual, XXXX, ( copy of a 2-page letter signed by XXXX is attached demanding {$1000.00} payment ) at my current employers telephone number. Later, I checked my credit report and found out that on XX/XX/XXXX a status updated was posted on my credit report showing a balance of {$2900.00} and indicating past due 30 days. I enclose a copy of this page of my credit report attached to the XX/XX/XXXX letter. For clarification purposes, the XX/XX/XXXX letter consists of two pages only. I received an Official Notice of Vehicle Return dated XX/XX/XXXX. Again, on XX/XX/XXXX I checked my credit report showing Status Negative by AMERICAN HONDA FINANCE, Balance {$2900.00}. On XX/XX/XXXX I called XXXX XXXX XXXX and I was told by the customer female representative XXXX has not posted any negative entry on my credit record and the representative advised me to contact myself each one of the credit reporting companies to fix my credit problem. By looking at the letter signed by XXXX XXXX, I found out XXXX XXXX XXXX is a DBA of American Honda Finance Corporation. I leased in XX/XX/XXXX an XXXX vehicle and I had no issues with the vehicle return but only because I leased another XXXX vehicle, the XXXX XXXX. I had the intention of purchasing, not leasing this time, an XXXX vehicle but after the way I am being treated I will not do it. And worse, when I test drove an XXXX vehicle on XX/XX/XXXX the vehicle I drove had mechanical issues. 

These are the companies involved with my complaint : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX American Honda Finance XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
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. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX 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 explanation