BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit via PNC Bank 's mobile phone application on Friday, XX/XX/2019. I would have made the deposit at their ATM on XXXX XXXX in XXXX, but it was not accepting deposits. ( There was no explanation as to why. ) When I made the mobile deposit, around XXXX XXXX Central Time ( XXXX Eastern Time ), I received a confirmation screen that said my funds would be available on Saturday, XX/XX/2019. This screen also said that if I wanted access to those funds sooner, I could get access for a {$13.00} fee. 

On Saturday, XX/XX/XXXX, when I looked at my account information online, it claimed that my check would not be considered deposited until Tuesday, XX/XX/XXXX, meaning I can not access the funds until Wednesday, XX/XX/XXXX. So, either PNC Bank lied to me when I made the deposit, or they are lying to me now. When I called to try to resolve the issue, they claimed my deposit was made 2 minutes and 46 seconds after their cutoff of XXXX XXXX Eastern Time. If that is true, then WHY did the confirmation screen not tell me that? Also, I no longer have an option to pay a {$13.00} fee to access my funds - not that such a fee would be in any way fair, considering the circumstances. My educated guess is that I DID make the deposit BEFORE XXXX XXXX Eastern, but PNC 's database did not update for several minutes. THIS SHOULD NOT BE HELD AGAINST THEIR CLIENTS! 

I think it is also important to note that PMC Bank uses Eastern Time as the governing time ONLY when it benefits them. It is currently XXXX XXXX Central Time, XX/XX/2019 ( XXXX XXXX Eastern Time ), and my deposit is NOT available yet, even though it is now XX/XX/2019 in the Eastern Time Zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reported to TransUnion customer service that my information has been involved in Unauthorized Hard Inquies on my credit report. There is five unknown Hard Inquies within a significant time frame. Customer service didn't nothing to resolve the matter. 

XXXX XXXX XX/XX/XXXX ( Unauthorized Hard Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Unauthorized Hard Inquiry ) XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX ( Unauthorized Hard Inquiry ) XXXX via XXXX XXXX  XX/XX/XXXX ( Unauthorized Hard Inquiry ) Respectful, Disappointed

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 2018-07-06
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started a new loan with XXXX XXXX XXXX XX/XX/XXXX and was told after 6 months of on-time payments and a principle amount of 80 % of the purchase price I could drop pmi. On XX/XX/XXXX I requested that in writing via e-mail. I was sent back via e-mail to get to 80 % send {$28000.00} so I did send the money and e-mailed them on XX/XX/XXXX. They held the funds for 2 weeks then posted them to my account but did not drop my pmi. After 5 phone calls and several e-mails I get another e-mail on XX/XX/XXXX saying to send them {$100.00} for an analysis which might cost more, that the {$100.00} is just a quote to start.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to Forster and Garbus LLP for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CBC Companies, 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: Reporting company used your report improperly

Complaint:
I requested a credit file disclosure from Innovis XX/XX/XXXX via internet to to verify if such credit file existed. Upon learning that there was an existing, unauthorized credit file, I disputed the information within the file and requested removal. Innovis continued furnish my private information without my consent. Pursuant to FCRA USC 15 1681, consumer 's have a right to privacy and I never provided written instructions for Innovis to furnish to my consumer file pursuant to USC 15 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a medical bill that was sent to my auto accident attorney by mistake ( hospital assumed 2 visits were auto accident related although only one was ) so I never was given the opportunity or notice to pay a bill. Ran my credit today and realized the amount was {$1500.00} was sent to collections and hospital said they sent the bill to my attorney and could not discuss it with me. Attorney said it is not accident related and thats why they did not forward me the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2017, we moved into XXXX XXXX XXXX, soon after we moved in we had AC leak that left our hallway and rooms saturated with water. We notified the apartment complex several times in writing letting them know that we needed someone to come out and fix this problem. We let them know several times that no one came out to fix this problem and that we started to notice a smell. The complex sent out a maintenance man to PAINT over the growing mold in the walls and floorboards and placed a blower in our hallway. XXXX XXXX  failed to properly remediate XXXX XXXX  in our carpets and walls, causing our family to get sick. One of our children got so sick the children 's hospital had to put him to sleep and perform a XXXX XXXX  on him at XXXX years old. We had to move due to unlivable living conditions. We had to hire an attorney to help us through this horrible time. Now 3 years later XXXX XXXX  placed a collection for {$1800.00} towards the last month 's rent for a place that was deemed unsafe to live in. This collection should not be on our credit and now in turn is negatively impacting our credit and preventing us from being able to find a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a car through Chrysler Capital on XX/XX/XXXX. The Car was inoperable just weeks after purchase. There were repeated break downs of the vehicle and being unable to pay the monthly note and repairs. I appealed to Chrysler Capital about my situation. They offered me extensions, and deferred payments plans. I took them out of desperation. Along with this offer I did not receive the required disclosures explaining the terms, costs, fees, interest, associated with the deferred payment and extension plans, in itemized detail. The disclosure I received from Chrysler Capital did not consist of this type of information. I would not have consented, had I been warned of the risks involved. There is an outstanding balance due to this. 

The vehicle is faulty. There was a recall for the ignition switch. I have problems repeatedly with the parts that connect with the ignition. This is a case of miss selling and usury. I'm totally dissatisfied with this vehicle. I feel as though my civil rights has been violated according to the TILA Act. Interest will continue to accrue on the remaining balance. My initial maturity date was XX/XX/XXXX. Chrysler Capital stated that I would have finished paying for the vehicle had I not utilized their deferred payment and extension plans. I am seeking relief from the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Contacted collector about original date of debt being wrong. Dispute filed because they went in and changed the date. Debt is more then 7 years old. Was told I could still be sued over amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 disputed two 30 day lates reported to my credit report during the stay at home orders, my business was shut down a good portion of 2020. I have sent 2 letters explaining to capital one that per Public Law No : 116-136 ( XX/XX/2020 ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021, my account was in good standing and still is, I called capital one In XXXX  of 2020 and also in XXXX XXXX 2020 to discuss my business shutdown from the pandemic and my payment would be a little over 30 days late and they explained they wouldn't report it late due to the pandemic shutdown. Ive sent two letters ( attached ) asking them to remove these late payments and they replied back with they cant remove for courtesy reasons. Which they are clearly violating the Cares Act and lied to me when I called and arranged the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Per my recent credit report, a collection was placed for the amount of {$82.00} on or about XX/XX/2018. Per the collection, the original lender is my XXXX office. I have never received a bill from my provider. There is no account number listed on the collection. This is not my 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 2017-08-01
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was in the process of disputing a debt with a debt collector AFINI. AFNI XXXX XXXX XXXX XXXX, IL XXXX RE : XXXX / {$170.00} - I sent them a request via certified mail on XX/XX/XXXX to validate the debt. - They were unable to provide any documentation or proof that the debt was indeed mine. - I followed up via mail again with " failure to respond '' and received no response from them. - I sent them one more letter via certified email on XX/XX/XXXX as they were not following the stipulations of the law and requested they remove this debt. It is not mine and they are unable to provide me with any documentation or proof to show otherwise. During this dispute process I can only assume that AFINI ( unable to provide proof of the debt ) sold it to a new debt company to cut their losses. This new company ( XXXX XXXX XXXX, XXXX ) has now started to reach out to me. This is unprofessional and an inconvenience to me. While working on trying to resolve this with AFINI they have inconvenienced me even further. Instead of doing their due diligence they just passed it on to someone new. I will now have to start the dispute process all over again with this new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
Information reported inaccurately to credit bustard. Unsuccessful disputes with documentation proving the following Collection accounts listed below are not mine and reported inaccurately. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Midland Funding/XXXX XXXX XXXX Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent to, authorize nor benefit from the following account. 
Block and remove it. 
XXXX XXXX XXXX Account Number : 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 2018-02-14
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: Public record information inaccurate

Complaint:
The alleged Bankruptcies were not filed by myself and do not belong to me. I have disputed this with the credit bureaus and I also supplied a letter from the Bankruptcy Court stating they don't report to the 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 2020-08-27
Company: National Credit Systems,Inc.
State: CO
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 terminated a lease with XXXX XXXXXXXX XXXX prior to its expiration in XXXX of XXXX. From the outset, they have ascertained that I owe them an amount slightly over XXXX XXXX dollars, which constitutes in material part both a liquidated damages amount and a penalty for failure to provide sixty-days notice to vacate. 

Both of these amounts attempt to recover for the property owner in the event of the tenant 's breach, however, seeking to recover both constitutes a " double recovery for single harm '' which is forbidden under Colorado Court Rule. 

Further, a charge of XXXX dollars, when actual damages sustained by my breach are only XXXX and XXXX dollars clearly identifies this contract provision as a penalty, as it has no correlation to actual damages nor does it constitute any accurate speculation at what actual damages may be. Penalties in contracts are federally unenforceable under the Uniform Commerce Code. 

Moreover, as of XX/XX/XXXX, the debts in debate here pass Colorado 's three-year statute of limitations on contractual debts. As such, while there may remain legitimate actual damages, the material portion of the stated debt is no longer enforceable in court outside of my previously stated objections. 

I have attempted on numerous occasions to argue the validity of this debt with both XXXX XXXX XXXX  and their assigned collection agency National Credit Systems. I have exercised the dispute process both internally and with all three major credit monitoring bureaus to no avail. A discussion with senior management at National Credit Systems ended with the suggestion that I seek legal action because they have no intent on validating my claims, and no credit bureau will support me without judgment or court order. 

This debt as reported has always been a violation of FCRA and FDCPA regulations against reporting debts that are not legally supported by the organizing document or enforceable by law. I have always been willing to pay the legitimate portion of my debt and would have been willing to do so without creditor intervention, but XXXX XXXX XXXX has never given me that chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XXXX XXXX As stated on my letter XX/XX/2018 the refund has not been credit to my account as stated by Citi due to they sold it to a collection company. As stated we are issuing a full refund. statement credit of {$370.00} that has been applied to my account and will appear on my statement as stated by Citi as they sold it to a collection company that account needs to be bought back due to the fact that there was a dispute then when they had the account to there fee 's that they never took in to 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 non-monetary relief
Consumer complaint received 2018-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since I have this auto loan from Capital One since XX/XX/2016, I've always paid its monthly payment. However, around XX/XX/2016, I asked for an extension for my XX/XX/2016 payment due to personal reason and was granted such extension. Either due to miscommunication or administrative procedure to process the extension, Capital One somehow reported my XX/XX/2016 payment as 30 days delinquent in my credit report. I talked to their customer service trying to correct the inaccuracy and was told the report was accurate. While confused, I tried multiple times to persuade them to correct it considering my excellent payment history and goodwill regardless. Yet they seems to be adamant about their decision which caused significant damage to my credit. Besides, their way of handling this is quite unreasonable and inappropriate to a loyal customer with very consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Asked for me and when I called back they said they were looking for XXXX my name is XXXX. They then demanded I give the last 4 of my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There are several accounts on my credit report in error. I ask that they be investigated into and then the credit bureau takes the next appropriate actions.

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 2016-10-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our adjustable mortgage has become unaffordable for us. 
1. Because we lost significant employment in 2014. 
2. One of us has just retired, the other is semi-retired. 
3. We asked our mortgage company for a mortgage modification and they refused. 
4. We listed the house for short sale, and the mortgage company continues to refuse the offers. 
5. Now we 've learned that they 've put this house up for auction, claiming that we consented to that. However, we never knew that we did. We believe that " consent '' was hidden the short sale agreement deceptively. 
6. We have stopped making our house payments effective XX/XX/XXXX as a result of all this. However, we want to stay in the house. 
7. We have called the mortgage company repeatedly asking to speak to someone about renegotiating our mortgage, but they never call back. 
8. They have revised their Website. We can no longer log on to our account or obtain any of the correspondence we had posted with them there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation