BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PNC Bank of XXXX NC took my grandfather 's inheritence meant for me as per his will and disbursed it to my father when he fraduently opened an account with my birth certificate forged to look like I was 18 when I was a minor. They admitted this and said although this is their fault they don't feel responsible for replacing the funds. This has been an issue for going on 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions 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 XXXX  account # XXXX and 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 2023-01-18
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The previous servicer ( XXXX XXXX & XXXX XXXX XXXX ) received a wire for {$49000.00} on XX/XX/XXXX. My loan was transferred to another company on XX/XX/XXXX, the funds did not transfer with the loan. I have bee trying to get XXXX to send the funds to the new company for almost 2 months now. I called the XXXX today, XX/XX/XXXX, now they are telling me they still have not wired the funds when multiple managers assure the funds had already been sent to new company. ( stated they wired your company the {$49000.00} that was received by them. Below is the bogus wire info from there XXXX XXXX # XXXX confirmation # XXXX I need these funds posted to my loan. None of my funds need to be applied the inspection and FC fees, its not valid and you all and the previous company are investigating. The funds will bring my loan current plus payment for 3 future months, use funds to cover my escrow shortage, then place remaining funds in unapplied. 

In additional, XXXX has legal fees and inspection fees when I was on the COVID-FB, then tried to get mod sent with updated dates. I was protected by the Cares Act, there is no reason my loan should have gone into foreclosure, I kept constant contact. I keep getting the run around. 

You all need to do your job and reach out to XXXX. You both have me playing the middle guy when yall need to communicate. WHERE IS THE {$49000.00}?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Here is the list of inquires thats on my credit profile with XXXX, Transunion and XXXX these items are fraudulent and have no relation to me and I have sent FTC reports and letters to the credit bureau and they tell me my excuses each time as to why they didnt remove the items stating I didnt have dates of the inquires. Then stated they couldnt verify my identity Ive submitted numerous of items disputing these fraudulent inquires to no avail! and wasted hundreds of dollars sending certified mail and still got no results! This is unfair and hindering me from purchasing a house please remove these items XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXXXXXX Inquiry date XX/XX/2022 XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2XXXX 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 2022-11-12
Company: EQUIFAX, 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.

Account name # ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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. 

Account name # ( 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 explanation
Consumer complaint received 2022-11-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for the care of a person I am caring for. The check was dated XXXXXXXX XXXX. The account was new but the checks were something that I had been receiving for 7 years. I deposited the whole check. Then the check was returned for nsf. Then my new bank closed my account and put a fraud alert on me. They will not lift it and now I can't open an account at any bank and have to way to get funds to take care of the person I'm guardian for. I have notified the police and made a report of the bad check and have notified social security XXXX of what the person done. I called the bank and asked them how they can put fraud on me when I was the victim but the just kept saying I deposited the check. I did deposit the check the whole thing. I did not receive any cash back. So I don't know how I could have committed any fraud when I never received any money from the check. I need this fraud lifted so I can open an account so I can care for my mentally challenged cousin I'm the guardian of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX NC XXXX XX/XX/2020 To Whom It May Concern, I dispute your claims in their entirety and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Sincerely, I provided a letter above and I haven't received anything back referring this inaccurate information Asking to validate this account, this is incorrect, now I refuse to pay this debt 15 USC 1692C. 

Also 15 USC 1692K states any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: DISCOVER BANK
State: GA
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 have an account with Discover and they keep saying that I owe them money and that my credit balance is money that I owe to Discover. They say they lent me money from their reserves and that I owe them money and that they did not do anything with my information but simply confirm whether or not to approve me but did not receive any value from my information. I am demanding that they credit my account and they do so whenever a balance appears on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company on multiple occasions to directly dispute this account. The company failed to provide me with debt validation documents as requested via certified mail on XX/XX/2022. Prior to the collection account appending to my credit reports, the company had made no attempt to contact me to verify the account. 
I also have disputed this account XXXX through the credit bureaus yet it hasn't been removed even though Receivables Performance Management has not provided the credit bureaus with any documents velalidating ownership.

I've provided police reports citing identity theft but to no resolve. 
Since XXXX, I've also called the company to dispute the account but they repeatedly transfer me from department to department where no seems to know how to help. Lastly, I filed a dispute directly through their website and no one has reached out nor sent documents to validate this debt. 
As a consumer, this is just horrible. How can creditors just ruin your good name? No one seems to be able to help me yet the creditor keeps reporting this invalid account to the credit bureaus.

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 2020-01-07
Company: Lake City Credit
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've repeatedly explained to the very rude representatives from Lake City Credit that this is an old debt that was paid over 10 years ago, and they become increasingly hostile. They keep repeating things like " You can not run away from this debt '', and " Pay the debt that you owe! ", etc. I have repeatedly told them to cease calling my phone number, yet the calls continue and their tone grows increasingly menacing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: PNC Bank N.A.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The complaint is with PNC bank my mortgage company my two rental homes in Pennsylvania I have told them so many times that I can not pay the mortgage on the first because the way the money comes in I was never late I pay my mortgage around the XXXX XXXX or XXXX of each month and I still get calls and a statement showing the month that they saying its behind which is not because of the grace period time Until the XXXX of the month on top of that they send me a statement of the next month that is due on XX/XX/XXXX ... I think this is an harassment its not helping the customer and the situation ... Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2019-10-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage with Nationstar/Mr. Cooper on XX/XX/XXXX. My past payments to the company were for {$350.00} twice a month. On XXXX XXXX NationStar/Mr. Cooper withdrew {$420.00} from my account on XXXX XXXX, XXXX XXXX and XXXX XXXX without authorization. I called on XXXX XXXX and spoke to XXXX XXXX. I emailed Ms. XXXX copies of my bank statements to probe the theft, since the company has no record of the theft. I called the company again on XXXX XXXX and spoke to two representatives. Neither would provide me with a resolution on how to get my funds returned to me. Mr. Cooper has stolen {$1200.00} from me and is unwilling to return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. Please update these immediately : 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 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 2022-11-10
Company: World Omni Financial Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX. I submitted a 2nd attempt for a payment extension. The 1st one I didnt get any email or confirmation of submission so I submitted again on the XXXX. I submitted a payment extension via online with my financing company Southeast Toyota. The email after submitting the request stated that I will hear a response in 3 business days. I hadn't heard anything ; which was unusual, because in the past when I had requested one. I would just pay a prorated amount and then my payment would be extended. No red tape, no documentation requested, no reasoning or purpose of the extension requested..nothing. I went today to verify since it has been past the 3 business day time frame. I noticed that they left a message in the secure message of their website. The following showed where I submitted the request at XXXX and it was canceled the same day at XXXX. No explanation! Just indicating if I wanted to request another to call their number and the working hours. So I called because I wanted to know why it was canceled. I spoke to a representative XXXX. She thoroughly explained to me that it was under " review ''. That when its under review that they have to take a look at it. She stated because I had two previous extensions. One in XXXX and another in earlier in XXXX. I have only two months available for the life of the loan. So I asked " What do you mean I have 6 months over the life of the loan ''? I don't recall reading that in my promissory note. Nor was it ever disclosed to me when I submitted the other two extensions with no hassle. I asked her where was this stated as I have never heard of this policy. I asked her could she send me the prom note where it states this. I was put on a brief hold for her to come back and say " it's not written anywhere, it's a courtesy ''. I explained how was I supposed to know of this courtesy if it was never explained or disclosed during the previous two extensions. You have no record of my previous hardships whether it was covid related, income or health hardships. Yet I am told when I need help this it is my very last opportunity to get an extension. That's very deceptive and misleading. Also a regulation issue as it was not disclosed in any manner written or verbal. I'm highly upset as I am currently experiencing a hardship and to be felt like I have been put into a corner because of information I was never given. For someone who pays well over the minimum payment amount every month. I have never been late and I am approaching year XXXX on my vehicle this XXXX. As someone who works for a financial institution and is very familiar with auto lending as well as audit regulations and unfair practices. I had to make a complaint because I am sure others who do not know there rights have been harmed in there unjust practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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 XXXX 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
# 1. DEPT OF ED / XXXX Acct # XXXX # 2. DEPT OF ED / XXXX Acct # XXXX # 3. DEPT OF ED / XXXX Acct # XXXX # 4. DEPT OF ED / XXXX Acct # XXXX YOU ARE REPORTING THAT I AM 90 DAYS LATE FOR XX/XX/XXXX BUT YOU SHOW THAT I HAVE SUBMITTED ON TIME PAYMENTS FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ... .HOW CAN I HAVE BOTH 90 DAYS LATE YET THE 3 PRECEDING MONTHS ARE PAID ON TIME??? 

I can't believe the inaccurate reporting on my credit report! According to the credit bureaus, I'm 90 days late on my XX/XX/XXXX payment, even though I paid on time in the previous months of XXXX, XXXX, and XX/XX/XXXX. It's frustrating to see these errors, especially when they can have such a significant impact on my creditworthiness and financial future. 

It's not just me- a XXXX study by the Federal Trade Commission ( FTC ) found that one in five consumers had an error on at least one of their credit reports. That's outrageous! These errors can lead to higher interest rates, credit denials, and even affect my job prospects. 

There are several common types of errors that can occur on credit reports, including incorrect personal information, outdated account information, and inaccurate payment history. In my case, it's clear that there's an error in the payment history section of my report. 

I'm so frustrated that I have to deal with these errors. It's not fair that I have to spend my time and energy correcting someone else 's mistake. And even worse, the burden is on me to prove that I'm in the right. It shouldn't be this way! 

I know I need to take action and contact the credit bureau ( s ) to get these errors corrected. But it's just frustrating that I have to go through all of this trouble because of someone else 's mistake. It's not right, and it's not fair. I just hope that in the future, credit bureaus will be more careful and accurate in their reporting so that others don't have to go through the same frustration and hassle that I am.

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