BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have reached out on multiple occasions to PNC Customer Care Center and Executive Client Services to resolve an issue of fraudulent charges that were made to my account. These charges were reported within the required 60 days per PNC Bank agreement/policy but have not been afforded a permanent refund to the account. After multiple attempts to have a caseworker resolve the matter, I forwarded a letter of the disputed history to the Case Work, XXXX. The letter included the multiple reentry dispute numbers that were assigned by the bank representatives, which were due in part to incorrect logging of the initial dispute. I believe this caused an error for PNC to deem the matter reported beyond 60 days for fraudulent charges that dated back from XX/XX/2021 o XX/XX/2021. XXXX nor the initial Case Work, XXXX XXXX returned my calls with any explanations of the details or outcome of their investigation. I have only received computer-generated letters indicating that the matter was resolved and my refund denied because it was not reported within the 60 days. I have bank statements and chronological documentation that proves I reported the fraudulent charges within days of discovery. I feel I have been intentionally given the runaround and all the representatives offer is to repeatedly re-enter the same dispute under a new case number. I have lost a total of {$850.00} from fraudulent transactions to my account, which the bank representatives have acknowledged, yet will not honor a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX previous complaint response they have used obscene language and continues to attempt to collect on this alleged debt that they have brought. They were also advised to cease and desist collection activity but are continuing conveying false and misleading information to my consumer report about this alleged debt which is beaching the cease and desist I have demanded. This company has violated my right to privacy and continues to violate my consumer rights. Attached you will find my sworn affidavit of fact with exhibits that backs this debt collector false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
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:
This is a continuation of trying to resolve this problem with Experian. History with CFPB will show I have tried since 2013 to fix this with no success. Attached is a copy of a credit report disclosed to me from XXXX XXXX while in refinance process. Experien, of the three credit reporting companies, shows me with the lowest score and " a serious delinquency ''. I believe this is a continuation of their violation of Federal Bankruptcy laws because they labeled non payments WHILE I WAS PROTECTED DURING A CHAPTER XXXX BANKRUPTCY as late payments. They should not have done this as I was in the bankruptcy process. Prior to that I never had a late payment, and I specifically did not make late payments knowing I was filing bankruptcy and did not want to further affect my FICO by being late. They have yet to fix their mistake though I have made complaints through CFPB. I need to see their proof of " serious late payment '' or they need to fix their mistake and stop breaking Federal law and affecting my credit score.

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 2022-02-09
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been waiting for over XXXX months now for Hyundai Motor Finance to release my title. I fully paid off my vehicle ( ~ {$14000.00} ) and submitted the odometer reading at the end of my lease which was on XX/XX/2021. XXXX support claims the payment and statement were received and continually reported that the title would be sent out in XXXX business days. 

I have been regularly calling them every few days but I never received the title and XXXX continues to say they will escalate the issue, but I never receive any response or resolution from them. No one at XXXX seems to know what the issue is. XXXX rep even told me that the title was sent to me and then sent back to them with an invalid address. They had the right address. Another rep told me that rep was lying and that they have no record of it being sent. Literally, their support team just tells you a scripted response to get you to hang up or go away ( and if that doesnt work they make something up ). 

I still dont have a title after over XXXX months of waiting. Ive opened a case with Hyundai, which is proving useless, they dont care. Hyundai doesnt care about their customers once they hand you off to Hyundai Motor Finance XXXX Dealership also told me they wont assist me since I didnt purchase the vehicle directly through them. I bought it through XXXX. 

I am filing this complaint to get the resolution asap as I am not being able to renew my license plate and its causing me a lot of inconvenience. 
It seems like a lot of other people are experiencing the issues. PLEASE HELP! 
I need my title.

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have sent multiple of letters asking how this company has verified and method of verification about a Bankruptcy reporting on my credit report. I have not received anything as of yet to how it is verified and accurate. I need this Bankruptcy to be removed immediately.

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 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Transunion today ( X/XX/17 ) to dispute multiple inquiries on my report. I am a victim of fraud with an active fraud alert. I do not recognize some of the inquiries and there are multiple ( duplicates ) for ones I do recognize. I was not contacted by any of these companies as required. I was told I needed to reach out to the creditor. I am taken aback that I should call someone who I never did business with in the first place. Transunion is constantly experiencing technical difficulties and " glitches '' through out their systems. It is hard to believe they are at all capable of protecting or providing correct information.

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 2019-10-03
Company: Comerica
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I tried to charge a bill using my direct Express card and it wouldn't go through, so I went to my direct Express account and it said that my card is under fraud suspension, and everytime I call the direct Express 1-800 number and type in my card info and my social it says they don't have info about my card. I've been trying to talk to a representative for XXXX days literally and I yet to get hold of someone ... this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: NC
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:
XXXX is reporting that I have a account with XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). XXXX has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
i have 2 accounts with lending club and 1 of the accounts i went on default because of covid i informed them of my situation but received no additional help i tried to have them refinance but they refused. On my second loan i have been paying on time every month because is with a co signer and he is the one paying it i have spoken to lending club about my situation and representatives say their is nothing they can do not im getting about 10 calls a day all day long and everyday for the last 2 weeks i feel harassed by them and they dont stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my recent credit report, I noticed that I had a collection account outstanding with Portfolio recovery and XXXX XXXX, both for {$490.00}. I 've contacted both company 's on 2 separate occasions trying to verify the accuracy of the information provided by them as being owed by me. XXXX XXXX responded by saying that the debt was sold to Portfolio Recovery. I 've since sent a letter to XXXX XXXX asking them to remove the debt as they were unable to verify the account as being owned by me as well as it being sold to Portfolio Recovery. No action has been taken by XXXX XXXX to resolve the issue. Portfolio Recovery has also failed to provide proof to validate the account as being owned by me in accordance with the FCRA. The first goodwill letter was sent out and received by Portfolio Recovery on XX/XX/XXXX, the second was sent out and received XX/XX/XXXX. Portfolio Recovery has provided me with account statements from the original creditor, XXXX XXXX, stating that the accounts are mine however no such document bares my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
My name is XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/LATE PAYMENTS/INQUIRIES AND INACCURATE ADDRESSES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX  ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2021-03-24
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:
I contacted XXXX XXXX  to dispute their claim that I owe a debt of {$310.00}. The phone numbers provided on the credit report XXXX and XXXX do not connect to the XXXX, but it connects to a company called XXXX XXXX. Several Managers and Customer Representatives have stated on multiple calls they do not have an account pertaining to me and there is nothing they can do to assist me with removing the debt or resolving the debt. I have not been provided proof of the debt from the XXXX, and they have not responded to letters, and the phone numbers do not connect you with the company. I disputed the validity and accuracy of the debt with Experian and they reported back that the company verified with them the debt is valid. However, Experian 's representative stated to me on a recorded phone call The Bureaus is not required to provide one shred of evidence that the debt is accurate, they did a self investigation and reported back to Experian their findings. I asked how is it possible to report a debt on my report without 1 piece of evidence? I have not been able to get in contact with anyone from this company, and yet, Experian refused to removed the debt.

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 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have new and updated information concerning my previous complaint based on the creditors response. Pursuant to 15 USC 1637 ( c ) ( 8 ), I am requesting that Capital One Bank provide me with the written application I made to them for the credit card ending in -9212, written proof of my income at the time of application or a written application of the cosigner who applied for the Capital One credit card with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company has reported to the credit bureaus that I have an overdue bill that has not been paid and is now in collections. I have not been notified in writing by this company and they call me on a weekly basis. I have asked them to please send something in writing and they ask me for my personal information and when I refuse to do so, they hang up on me. 

I want written proof and verification to settle if valid but how can I do that if they will not send me in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have an account with carecredit. Made the monthly minimum payments on time. Had about {$700.00} left to pay. I get a bill, says I owe {$1000.00}. I didn't even use the card. Carecredit tacked on {$300.00} to my payment without my knowledge. Said it was because I didn't pay all the bill in there " promotional period ''. What promotional period? No one ever told me there was a promotional period. Carecredit never told me they had that. Also it tripled my minimum payment. This is what they told me over the phone. They were very rude, & misleading. Gave me the run around. Then I was told they would never do it again. Next month I get the bill. Another {$150.00} added to my bill. I call again. Another one of there supposed " promotional period '' thing. They lied & never told me there would be another one. That's twice they did that. That was {$450.00} added to my bill that I never even used or made any purchase for that amount. Now I'm behind over {$1000.00} cuz of late fees & this promotional garbage. I can't pay this. I've closed my account with them but still they keep on adding & adding money. All they care about is money. I need help. Please help 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 explanation
Consumer complaint received 2017-07-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase in Victoria secret with my card and paid it off, because I was triying to avoid late fee. The purchase was of around  XXXX  dollars and they changed me in total  XXXX  dollar in late fee because they returned several payments and did not notify me of the return payment. I was sure that the information I gave was accurate and until today I have no Ideas why they return the payment.   They never notify me that they were changing late fee and other fee and when I already made payments that put a t 0  my balance.   there is an abuse of power in this regards of their fess and how conveniently there are  XXXX  charges so the account is neve r 0  hence need to to play and there is late fee. this is a vicious cycle that allows them to make late fees and other fees.I never had a problem like this with any credit card I had.   I call the center very frustrated with the problem and they did not wanted to tell me what the fee were about and just said your last balance which is not truth.   I find that they are deceiving and praying on people that count on paying they card on time and is not an honest policy to have.   This account also has problems with setup auto debit which I have been trying to setup but it either do not authorize the problem or when I try to do it it is there the option but does n't allow me to change the setting such as the payment info and the day.   Finally conveniently the date that is was due I could not log in but the next day I was able so how curious that that has happened to me several times, and I tried at different times during the day.

Company response to consumer: Closed with explanation