BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: PNC Bank N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
A week and a half ago, I went to deposit {$2400.00} of my personal money to my banks ATM. The ATM machine took my funds but did NOT deposit it into my account. The ATM didnt give a recieot either. The teller, XXXX XXXX, said she would contact me with an update, regardless of the outcome. A week passes, she never does. I had to physically return to PNC looking for her just for her to say my dispute was denied, she doesnt know why, theyll be sending me a letter. 
I feel she lacks integrity for the job. And PNC as a whole is just a huge scam to me at this point

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
several fraudulent accounts were opened in my name

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 2023-07-25
Company: United Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2023 I had a womam call me from United Collection Bureau and she was hard to understand and spokevery fast. I asked very simple questions, IE : Have you sent the IDL yet and other simple consumer questions ( I'm super glad the call was being recorded ) and after briefly acknowledging the debt and giving a small snyopsis of my financial situation and then letting her know that I can something up but it has to be a small amt due my financial situation, she trans me to a supervisor name XXXX XXXX. Once XXXX got on the phone the entire conversation took a turn as XXXX escallated the situation by over-talking me, telling me that the original creditor is tired of me for not paying ( I was paying another collection agency a small payment monthly on this acct, and last payment was in XX/XX/XXXX '' [ 3 months ago ] so they just received this debt, I asked XXXX some simple questions as well but after incinuating I dont pay my bills ( Later in the convo he sd, he didnt say that ) and escalating the situation and wouldnt allow me to talk or let him know my situation he finally sd that I can make a payment of XXXX XXXX monthly asI sd I would set up to mail in but he kept tellimg me that he is done with this conversation over and over ifwedont cont talking of the debt in which thats all we were doing, made it so difficult for me to discuss as XXXX wanted it his way or no way. How can a collection agency make such rude comments, not willing to work with you and escalate a situation from a supervisor stand point be able to collect? Now I fully understand that I owe this and was trying to work it out but, u for XXXX XXXX wouldnt allow me to do so. I will pay this with them but they needto work with so that I can. I am officially filing a complaint on United Collection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PHEAA I APPLIED FOR A IBR ACCOUNT AGAIN/MILITARY BENEFITS DON'T KNOW IF I HAVE.  ALSO, NAVIENT I APPLIED FOR A IBR ACCOUNT AGAIN/MILITARY BENEFITS THIS PERTAINS TO ALL LOANS ON RECORD OR FILE.  WHY IS NOT THE LATE DAYS BEING DELETED BACK INTO POSITIVE ACTIVITY.  PLEASE HELP 

REGARDS,

XXXX   XXXX XXXX
XXXX XXXX

ps.  I WOULD LIKE TO HAVE ALL STUDENT LOANS CONSOLIDATED REAL SOON/CAN I RETURN TO SCHOOL.
IS THE TRUMP ADMINISTRATION DISCHARGING XXXX  OFF STUDENT LOAN DEBT/WHEN?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
I sent a certified letter to Bank Of America indicating a inquiry on my personal credit profile I did not authorize. Bank Of America wrote me a letter in XXXX stating they will send a notification to the credit bureaus to remove such inquiry. I then submitted this letter from Bank Of America to XXXX  that acknowledged the letter and deleted the inquiry immediately. 

However, Bank Of America did not submit the notification to XXXX to remove the fraudulent inquiry as well. 

So I am submitting this complaint with hopes that Bank Of America will honer their letter to me and request XXXX  to also remove the unauthorized inquiry as they stated in the initial letter addressing my concerns.

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 2023-07-11
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The XXXX XXXX miss my payments and put the account behind. Misses the credit system. 
Uses high interest rate and will not help the consumer with state programs or covid regulations.

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 2021-05-03
Company: EQUIFAX, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX is my lendor for my vehicle loan. Last year I requested and paid additional dollars to place my account on deferrment on XXXX. They told me that this would not show negative on my credit reporting since I was on deferrment, however they listed me as being 30 days late on XXXX and XXXX of XXXX. I disputed this reporting. Then they came back and reposted my 30 days late for those months. I began a loan process for a home and had to remove the disputes so I could get the loan to go through without penalities or downgrading of my loan. I sent XXXX a registered letter to remove the dispute, after 45 days they sent me a letter stating the dispute was removed but it was not. I reached out to the credit bureaus to remove the dispute, both XXXX  and XXXX removed the dispute immediately. Equifax stated it would take 30 days, they would not escallate the removal of the comments. My lender is having to downgrade my loan, which increases my interest rate and my cost for the property. I would like for both Equifax and XXXX XXXX XXXX to be investigated and for them to be penalized for their LACK of actions as it is impacting my ability for this mortagage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Mountain Run Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent the company a debt validation letter in order to prove that the debt belongs to me. The collection company sent me a fake contract that had been doctored to seem as if I contracted an agreement which I know nothing of. It even has a falsified signature that even has my supposedly last name misspelled.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: EQUIFAX, INC.
State: NJ
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:
I told XXXX  Equifax and XXXX  that this debt was not suppose to me reported the company agreed to delete this debt. I have made complaints against this company. I will attach all documents to show this debt needs to be removed from my file. 

They have violated article 807 and 808

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX .... balance {$75.00} XXXX XXXX XXXX XXXX .... balance {$570.00} XXXX  XXXX .... balance {$3900.00} XXXX XXXX XXXX  XXXX .... balance {$18000.00} XXXX XXXX XXXX balance {$100.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TIDEWATER FINANCE COMPANY, INC.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: LoanCare, LLC
State: AP
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I have a home mortgage that is serviced by Loancare. Our mortgage payments are automatically drafted, so we are up to date and our loan is in good standing. The problem is, for the past month, we have been trying to make a large principal payment to our account. I have not received a statement ( which includes the payment stub for additional principal payments ) from Loancare since XXXX ( almost 2 months ). I tried paying on their website, but their server has been unavailable for over a month. Every link associated with www.myloancare.com comes up as " server unavailable. '' I've tried accessing the website on different devices, different browsers, and different times of day in case it was due to high web traffic. Always the same results : " Server unavailable. '' I've tried reaching them via phone with the same results. I'm sent in circles by the automated phone system, kept on hold for 6 hours or more, then the line disconnects. 

I believe Loancare has an obligation ( both legal and ethical ) to be available to their borrowers. I'm glad I have auto-draft on my regular payments, but I have the right ( and should have the ability ) to make additional payments on my mortgage any time I choose. I can't imagine how infuriating this must be for people who are behind on their loans and Loancare is making it impossible for them to pay. The company seems to have abandoned all pretense of customer service, or even providing reasonable means for borrowers to make payments.

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 2023-06-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score was XXXX and now my credit score XXXX I want to fianc a car I cant because they put my credit score for no reason. And my identity was used I dont know who used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: NY
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:
I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXX BANK XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX BANK XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NA Date Filed XX/XX/XXXX Type Bank XXXX XXXX Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX BANK USA Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WIRELESS-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address 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 2018-09-27
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter requesting further information for our account at PNC Bank giving me and my mother 7 days to respond. If we didn't they would close the account. We responded within 5 days of the receiving the letter by going to the bank on XX/XX/2018. We handed the letter to XXXX ( I think that's what her name was ). XXXX was on loan from the XXXX XXXX branch. She placed all information required in the computer. I gave her my social security number, telephone number and corrected my address. I do not live with my mother. ( I requested the bank manager,, but she was on vacation. ) I was issued a pin to sign up for online banking. Everything seemed fine until today, XX/XX/2018 when my son informed me the {$2000.00} check his grandmother sent him was returned NSF. My mother also sent a gift to my brother which I expect will also be returned NSF. Neither my mother or I closed the account. This was done by the bank. They are saying I never went in with my mother and wife to address the issue in the letter. We are requesting that PNC Bank pay any and all NSF charges due to this closure of the account by the bank. I also request that any fines that are applicable will be assessed against the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Cedars Business Services, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, at XXXX XXXX  MST, XXXX XXXX of Cedars Business Services, using email address XXXX, has repeatedly tried to get me to pay him a sum of {$1600.00} for an account which does not bear my name or address, or any name or address on a business of mine. His first attempt contained no documents of any kind. XXXX contacted me again on XX/XX/2020, at XXXX XXXX, and again on XX/XX/2020, at XXXX XXXX  over the same matter. The company name on the document is " voiproca media limited '', with a postal address of " XXXX XXXX XXXX XXXX XXXX, XXXX ''. This is not my name, nor the name or address of one of my companies. Each time XXXX wrote, he was instructed XXXX nicely ) not to contact me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: PA
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:
As many know, EquiFax has been negligent in protecting a great majority of the United States citizens ' personal information. These Americans ' personal information can be used to steal their identities and ruin their lives. This can not be ignored, as the data breaches occurring through XX/XX/XXXX to XXXX XXXX 2017 will affect millions of Americans, with the impact lasting for decades. This complaint will be one of  thousands against EquiFax 's negligence, but is important nonetheless. This complaint is aimed to possibly be used, along with countless others, in lawsuits against EquiFax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX my account was withdrawal for {$270.00} ; The transaction was done on XX/XX/XXXX at BMO Harris bank at XXXX XXXX XXXX XXXX, IL,XXXX XXXX. ON XX/XX/XXXX, I tried to pay something and they informed me that my account had no enough founds to cover the transaction. I checked my bank transactions online and I saw a " REQUESTED WITHDRAWAL " transaction for a total of {$270.00}. I called the bank and they explained me that someone in a different county, same estate of Illinois withdrawal money from my bank account and t " by mistake '' the bank took the money from my account instead of his account. Bank customer service rep. told me that they do not know how that happened and they offered me to refund the money but it will take 2-3 business days. As well they recommend me to go to my branch, spoke with the manager in the branch close to my residence and they will talk to the manager in XXXX branch to " tried '' to correct my account and deposit the money into my account as soon as they can. I asked her what will happen with the payments I had schedule to be withdrawal from my account in the following dates, because those will be rejected it due to no money in my account. She said that they will not charge me an overdraft " if '' they accept one of those payments, but since I had no money in my account, then no one of my payment will be through. That answer do not help me at all, as a result of his error and lack of problem solving at the moment, I will end up with a ton of fees in my end with a different institution that I owe because the payments will not going through. Regardless that they will return my money, this situation extremely concerns me, how is possible to release money to someone that is not even the same sex or nationally as the account holder 's name or picture ; how is possible that the bank will charge me for late fees as quick as next day if I withdrawn my account, but instead, if they make an error they will take all the time they want and leave me with no money for payments that I need to make, in addition with a bad record in my credit report, adding my stress level up to the roof because of a bank error which is not even reasonable or credible.

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 2022-12-05
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX-REPORTED XXXX Balance : {$74.00} ; XXXX XXXXREPORTED XXXX Balance : {$9.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX & XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Cottonwood Financial Ltd.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I call Cottagewood financial Wisconsin and Ask for settlement, for {$500.00} since its been 10 years Since I got married my last name was XXXX  now its XXXX.

Company response to consumer: Closed with explanation