BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: PNC Bank N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It all started with an overdraft onXX/XX/XXXX of {$30.00}. At the time I wasn't aware of the low funds in my account and didn't even realize that I had overdrafted my account. Later that day, I purchased some groceries and it amounted to roughly {$50.00}. The next day, I was hit with 4 overdraft fees, I was not notified of this in any way : no email, no call, nothing. There was also a pending charge from a purchase that I had made earlier that week that had disappeared from my virtual wallet account and popped back up on XX/XX/XXXX, and that hit my account with another 2 overdraft fees. It wasn't until XX/XX/XXXX that I was made aware of my overdrafts via email, on this same day I had accumulated another 3 overdraft fees. I made a call to PNC and explained that I had never been notified for the overdrafts ( also the disappearing pending charge on my virtual wallet, this would make the second time that I have been charged multiple overdraft fees for a pending charge that disappeared, then reappeared. I was never notified of those overdrafts either ), and that I wanted to speak to a XXXX about having the fees frozen, that way I could pay them before they piled up too high once I received my next paycheck. I was told to leave my phone and social security number with the representative and that a XXXX would call me back within the hour. I never received a call, so I called back the following day and was told that the fees would be stopped so I could pay them. PNC continued to hit my account with DAILY FEES even after telling me that the fees would be stopped. My account had daily overdraft fees charged to it from XX/XX/XXXX to XX/XX/XXXX on the day of my direct deposit from my job. A total of {$470.00} was deducted from my account virtually financially crippling me for this month. I knew calling PNC was not worth the frustration due to the fact of them continuously ignoring me and giving me the run around on this situation. After my second encounter with the problem of disappearing pending charges and not being notified of overdrafts, I became so displeased with PNC and how the situation was handled ( their lack of customer service ) that I had no choice but to make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
Sofi bank froze my account right when my XXXX direct deposit from my XXXX trading company hit my account. I have reached out countless times over the past week with no solution. They are doing this to countless individuals and I now believe this is starting to get criminal. 

- They tell me I need to call a fraud hotline which leads to a voicemail line. 

- There is zero fraud on my account and the only funds are my payroll / direct deposit from XXXX- I was told the direct deposit would be returned to XXXX which is was not - No live body that can be reached via phone will help you ; they send you to the same line which tells you to leave a voicemail- I have sent 10+ emails with zero answer - Some people are telling me they have been in this situation with SoFi Bank for over a year now!

- There are countless SoFi users online talking about the same issues. Keep in mind, these are hard working people who have bills, children, medical conditions, etc..

I don't think SoFi realizes the negative impact they are causing for their users and the hardships which are coming down on these families. 

I want my money. I want my paycheck. And I want it now. 

Somebody has to do something about what SoFi is doing to their customers and they need to do it fast before more families are affected by these criminal actions by SoFi Bank!

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Approximately late XX/XX/XXXX, early XX/XX/XXXX, I disputed the balance reported by Transunion on my XXXX XXXX XXXX XXXX XXXX CC Visa account ; through XXXX XXXX online and directly with Transunion. Transunion is reporting my credit card balance in excess of {$10000.00}. XXXX  in contrast, is reporting the balance correctly, {$600.00} or less. I have disputed this balance and issue three times within this month directly with Transunion. They have reported back, the {$10000.00} balance is " accurate '' as reported by my Credit Union. I have contacted my Credit union and demanded my balance be reported correctly to pertinent credit reporting agencies and inquiries. I confirmed my balance to be {$600.00} or less and requested my account be annotated regarding our discussion and this credit card balance issue. Please enforce and/or advocate Transunion and XXXX XXXX XXXX XXXX XXXX accurately report my credit card balance. Thank you.

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 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I initiated a balance an online balance transfer with capital one to my credit line account I have with chase bank. The XXXX   account number and address was added to the online form to initiate the transfer. After 1 week of not receiving the transfer, I called capital one and the rep promised to look into it. It was about 2 weeks after I then received a note from capital one after a second call that indicated that the transfer was not processed because it needed to be transferred to a card number. Capital one letter to me just indicated that the transfer was unable to be processed. A month after that I observed the the transfer balance still continued to be reflected as a credit to be account. I called Capital one and they promised to investigate it. I did not not receive a call back and so I called again. This time the rep says that a ticket will be opened to sort it out. Over the last 5 months I have called capital one about 10 times to resolve the issue. One month ago I spoke with Capital one and XXXX together on the phone ( we were conference in by Capital one ). XXXX indicated to Capital one that they do not have any record of the transaction. To the best of my knowledge XXXX has communicated that in writing also to Capital one since I received a letter from chase indicating that they have no record of the balance transfer. I have spoken to at least 4 different account supervisor at Capital one and they are refusing to remove the {$2000.00} from my account. I want to close my account but I need this resolve before I close since I have no confidence in capital one keeping up the standards of a reputable company. In addition I need capital one to refund all my overpayment in interest payment. I will appreciate the CFPB helping me resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-06
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$1000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: FinCo Services Inc DBA Current
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
friday XX/XX/2021 at XXXX my bank called me explaining the see some unusual activity in my account and they were going to to stop the activity but at XXXX i went into my account and notice i was missing {$2700.00} in my account someone went into my account and transfer money to someone I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2700.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$1000.00} -This is not my account.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2021-01-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our mortgage some time ago and we thought we were getting assistance from different sources. Ultimately no one helped and everyone said they could, our financial probelms started before the covid pandemic, but the pandemic has made things worse. the primary borrow has had health issues, for a number of years, and the coborrow has been dealing with her elderly mom. 

Recently we reach out to the servicer and they said they would try and help by modifying the loan and since the primary borow is stable with her health and the Mom is doing much better, we should be able to maintain consistant monthly payments. We have sent a completed loan modification package in today and plan to follow up with them on monday, they said the process will be expedited because of the sale date and hopefully postpone the sale date. worse case would would need to sale property and recover what equity is available. Primary objective is the continue to live in the property and provide shelter for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ic systems is reporting and attempting a debt for XXXX XXXX. XXXX XXXX debt is invalid, As i was protected under the Soldiers and Sailors ACT. I was deployed, and notified them to my file acct on hold, per the act. And they did not. They are in violation of the SSCRA And I do not owe this 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 2023-01-17
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Choice Recovery, Inc.
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CHOICE RECOVERY XXXX Balance {$220.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Kenneth, Eisen & Associates, Ltd.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently obtained a copy of my credit report showing a collection account with the name of Kenneth Eisen & Associates. The report states it was for a XXXX office. I was under XXXX at the time the account was allegedly opened with the creditor. I was never given any bill, notice, or opportunity to see why any bill was given. I also was covered under my mother XXXX XXXX medical insurance. 
This should not appear on my credit nor am I responsible for anything that they claim is owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my part time job due to the Convid-19 virus and I called my load servicing company, New Rez Or Shellpoint Mortgaging Servicing, to defer my payment for a few months. The company told me I can defer payment for three months, but I will have to pay it back in a lump sum after the three months were up. That of course is ridiculous since it will be difficult to pay my mortgage now, tripling it in 3 months will be impossible. I spoke to an XXXX spokesman who said borrowers with a XXXX or XXXX  mortgage arent required to pay back their forbearance in a lump sum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Capital Accounts, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Appeared in court with XXXX XXXX, for an eviction/ending lease. The judgement was ruled at {$980.00} on XX/XX/20. I paid amount in full as soon as I had the money and by the due date on XX/XX/20 and was posted on XX/XX/20. XXXX XXXX proceeded to send my debt to collections agency XXXX XXXX XXXX for {$2100.00}. When notified the collection agency I told them it was paid. They called XXXX whom proceeded to tell them it was not paid, they had the correct amount, and to report delinquency to the credit bureaus. I now have derogatory marks and a false amount on my credit accounts due to this. I called XXXX to settle this dispute and they just responded that they did see I paid. I would like both this erased from my credit all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is not providing a convenient way to remove a credit freeze from my account with out paying for their service.

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 2018-09-18
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX ACCOUNT # : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX The original company is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX school has been settled. Enclosed is the letter from XXXX XXXX that account has been paid in full. One account was reported by two collections agencies, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They reported one account in different assigned account numbers. Account XXXX and Account XXXX are for XXXX XXXX XXXX and the bill has been paid ever before these collection agencies reported it. 

XXXX XXXX XXXX ACCOUNT # : XXXX One account was reported by two collections agencies, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They reported one account in different assigned account numbers. Account XXXX and Account XXXX are for XXXX XXXX XXXX and the bill has been paid ever before these collection agencies reported it. 

XXXX XXXX, XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX FOUR DIFFERENT ACCOUNTS I contacted XXXX XXXX XXXX on Tel : ( XXXX ) XXXX. I spoke to Ms. XXXX XXXX. She wants me to contact XXXX XXXX to produce itemized statements and signatures that shows why they put my name with Equifax. XXXX XXXX XXXX XXXX is a billing company that is located in XXXX XXXX. XXXX XXXX XXXX, IL XXXX. It is not a medical /Health as claimed by XXXX XXXX. They are not mine. XXXX XXXX uses XXXX XXXX XXXX  to post same derogatory credit reports. Please investigate XXXX XXXX XXXX. This company has no base in XXXX or XXXX county. 

XXXX ACCOUNT # : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX I contacted the company. The collection department rep was not aware why they placed this account on my personal credit. He claimed it was erroneously placed. It is a business account that has many shareholders and I am one of them. Account belongs to XXXX XXXX, XXXX Telephone number XXXX. 

XXXX XXXX ACCOUNT # : XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX I contacted XXXX XXXX to produce documentation from XXXX but only sent me bill that XXXX claimed that I owed. I do not owe XXXX any money. My contract has expired, all bills paid and equipment returned to XXXX. My daughter XXXX XXXX signed the contract with XXXX and I assumed the contract. XXXX XXXX needs to produce signed contract for my daughter and I or else remove the derogatory from my report. The bill produced by XXXX was not enough evidence that I still owe any bill with XXXX. XXXX billing system continues to generate bill and that was the one XXXX claimed I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: FL
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:
I, XXXX XXXX XXXX, a consumer is a victim of identity theft, the credit reporting agencies, XXXX, XXXX, and Equifax has utilized and furnished my consumer report without my knowledge and authorization, consent, and written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear and conspicuous that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX, and XXXX has violated my federally protected right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with the respect to the confidentiality of my personal information. The Fair Credit Reporting Act ( FCRA ) was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Equifax, and XXXX is in direct violation of the FCRA and the Gramm-Leach Bliley Act of 1999.

Company response to consumer: Closed with explanation