BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
PNC bank has placed a block on my cash app account that has my XXXX dollars in my cash app card unable to transfer into my accountXX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The Law Offices of Robert J Colclough and XXXX XXXX have been calling me at work. They placed a judgement against my checking account for debt owed back in XX/XX/XXXX. Case XXXX. My understanding is that for California residents, collectors are not allowed to call you at work. The collection representative called me and identified himself by first name only and XXXX XXXX. I told him that I'm already working with someone from XXXX XXXX. When I asked the collection representative how did you get my work phone number. That's a clear violation of the Fair Debt Collection Practices Act. He hung up on me. I've been working with a Mr. XXXX XXXX ext XXXX who has been assigned to my case. In the beginning I made many attempts to get a hold of him. He was never available. Finally he calls me back and tells me that I owed {$6800.00} from an old credit card back in XX/XX/XXXX. I told him that I'm going through financial hardship and that I can be placed on an installment plan. He said that he would get back to me by XX/XX/XXXX. I've been calling and leaving messages but nobody has called me back. Instead I get this surprise letter that now I owe {$30000.00}. What is this? They won't call me back to explain. In the attachments are the court docs showing a total of {$6800.00} and letter from Law Offices of Robert J Colclough showing current balance due of {$30000.00}. Smelled like a scam from the beginning but now starting to feeling like one. The only reason why I contacted them is because they got into my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
When the student loan interest forbearance started in XXXX of XXXX I had {$23000.00} in subsidized loans owed to Edfinancial. On XX/XX/XXXX of XXXX I made a payment of {$5500.00} and then again on XX/XX/XXXX of XXXX I made another payment of {$5500.00}. I then had {$12000.00} remaining in loans to be paid. 

Under the CARES Act I should be able to request a refund for those payments I made to Edfinancial and on XX/XX/XXXX of XXXX I called Edfinancial to request a refund of {$8000.00} from the {$11000.00} XXXX paid since XXXX of XXXX. Edfinancial has put the refund into their system but offers no confirmation of that refund so I have so record of the request other than when I call and the customer service rep manually looks in their system. On top of that, no rep that I spoke to was able to give me a timeline of when the refund might be processed, when my new balance would show up in my account, or when I might actually get the refund. 

From looking at what others are saying online, the reps that do give a timeline are saying that the refunds will take up to XXXX days and they also get no email or paper trail confirmation. If that timeline is true ( which again I can not confirm because I was never even given a timeline ) it seems insane that it would take that long given that the CARES Act passed 2.5 years ago. When I pay them the money is out of my account within a day and yet when I request back money that they are legally required to return to me all they do is shrug and say you'll get it at some point I guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Midwest Fidelity Services, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX ( XXXX XXXX XXXX ) invited me to their meeting in XXXX XXXX they promised to help increase the income over a {$1000.00} XXXX all I needed was {$8000.00}. to start with. and they assured me I have to pay from my new generated income which they will teach me how to make more money from the market. I agreed to this idea after that they had me sign me up few documents made me to sign while I was on phone with their executive. they didn't give me enough time to read or understand the programme. which they selected for me. after that they had me attend few online classes and asked me to give great reviews. they took {$4500.00} from me up front. and asuured me I will be earning minimum of {$1000.00} a month. after attending few classes I came to find out they want you to sign up for XXXX XXXX XXXX for any useful information. which cost extra {$50000.00}. they never helped me making extra {$1000.00} as promised after 2 years now I come to find out this debt collection company " Midwest fidality '' trying to collect {$23000.00}. with the interest rate of 17.90 %. and was asking me of detail information of my job and trying to pressure me to sell my car and get a bank loan to pay the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: ALLY FINANCIAL INC.
State: PA
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:
My grievance is DIRECTLY with ally financial reporting false information to XXXX 

I need someone to call XXXX  ASAP and call me at XXXX because ally financial loan is FALSELY reporting that ally financial closed my account!!!! When in fact it is current and ACTIVE. 

Need someone to report to XXXX  credit bureau immediately that my account is current and not repossessed AND NOT CLOSED DOWN. Please call them and dispute. Ive attached PROOF that ally financial is falsely reporting this information to the credit bureaus. 


Info : Confirmation # is : XXXX for XXXX  to fix dispute The Follow up XXXX direct # to call for dispute : XXXX Ally confirmation dispute # : 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 2018-04-06
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Out of nowhere, I received a call from XXXX XXXX XXXX   staying I was defaulted on a loan from Navient.   I checked into my loan consolidation page for XXXX   and it shows I have a defaulted loan with Navient.  No details on this defaulted loan were provided.  I consolidated all my student loans in XX/XX/2016.  Nothing from Navient showed up during that time.  I called Navient and they cannot give me the year the loan is from.   Navient representative says it is eight loans, but my greatlakes website says two loans in default from Navient and refers me to talk to them.  All information provided has been inaccurate.  As far as I know all my student loans were consolidated back in XX/XX/2016 and I haven’t had an issue paying.   Definitely debating the validity of this since the information provided is shady and does not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I don't how the regulator allow Blackhawk Network to operate. It seems no law enforcement is reading these complaints, which is very disappointing. 

Another issue using the cards. 
The tactic used by Blackhawk is to issue the payment, but to make it hard or impossible to use the funds, as you can see from previous complaints. 

I have two prepaid cards, they were issued as virtual cards but to pay in-store they can be added to a wallet ( like XXXX XXXX ). 

I followed the instructions ( poorly written by the way ), used the Blackhawk app ( rated 2.2 out of 5 stars ) and the app added the cards to XXXX PXXXX. 

Guess what? When it comes to actually using it, it is denied. Several attempts were made at XXXX, different amount, the transaction was denied all the time. 

I'm unable to use the cards. 

Card numbers are : XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX and XXXX I was assessed 7 overdraft fees on transactions. I dispute the validity of 5 of them. 

I overdrafted in the first place due to a deposit from my employer not arriving as previously expected, so I do take responsibility for XXXX of the transactions overdrafting. 

All transactions were initiated on XX/XX/XXXX, though some I have since been told did not officially post until XX/XX/XXXX. I began my day with {$170.00} in my account and initiated the following transactions first : {$9.00} - XXXX {$43.00} - XXXX XXXX {$37.00} - XXXX {$9.00} - XXXX  {$64.00} - XXXX Those transactions total {$160.00}. Each was initiated when funds were shown as being available in my account. 

The following two transactions occurred after {$300.00} - ATM Withdrawal {$92.00} - XXXX PNC is claiming that the first 5 transactions did not officially post until the XXXX or later, even though they were initiated first. They in turn posted the {$300.00} withdrawal as technically first then, causing all transactions to overdraft - even though when they were initiated funds were available. 

I've subsequently been told it is my job as a consumer to guess when a transaction may technically post and I shouldnt assume it will the day the transaction actually is initiated. This feels against the spirit of the CFPB rules on this topic. 

I checked my available funds, they were there, I initiated my transactions, I ended the transations still with funds in the account, but another transaction jumped to the head of the line and caused the overdrafts. This is not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was a victim of the XXXX breech so as a prudent measure I decided to freeze my credit and my wife 's credit with the three reporting agencies. The only one I've had a problem with is Experian. I was somehow enrolled in the program XXXX XXXX XXXX for {$24.00}. They make it extremely difficult to cancel and force the customer to call the agency and remain on hold for long periods of time. They would not refund my money, forcing me to dispute it with XXXX. There is a much simpler way to Freeze rather than lock a credit account that is a different web address than the membership. Having spent 10+ years as an XXXX XXXX, I believe this is deceptive.

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 2021-04-30
Company: National Commercial Services, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We paid National Commercial Services, Ink. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. Phone XXXX XXXX Fax XXXX XXXX their settlement amount and now they wont send us a receipt to show the XXXX in Washington state to restore our licenses back that are suspended till we show receipt of settlement agreement from NCS ink. They said our licenses would be restored after settlement payment was made. Now they refuse to give us any form of settlement agreement receipt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: Experian Information Solutions 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$21000.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} BANKRUPTCY CHAPTER XXXX - DISMISSED XXXX {$0.00}

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 2020-05-26
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom It May Concern, I am looking over my credit report and for the past few months XXXX  is the only company that show 's my XXXX 's card that I am on. The issue here is the other credit reporting services are not reporting my accurate information. I have spoken to them on the phone as well as XXXX 's. I have provided a screen shot of XXXX  showing I have a barclay 's account with a XXXX balance. I am trying to get my credit utilization under 30 % and them not updating the accurate information is becoming a problem. If anyone has any questions please feel free to call you. Looking to get everything up to date as soon as possible. I understand with everything going on In the world that things take longer but I have waited a few months now and nothing has changed. Hopefully you can be of help and we can resolve this.

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 2020-06-03
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:
To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2020-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates ( PRA Group ) has been attempting to collect on debts that were settled with original creditors. They have tried to collect on credit card/telecommunications accounts for several years and refuse to remove these settled/paid accounts from my credit report. It is fraudulent to attempt to collect on paid debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am disputing Account Number XXXX, with XXXX  XXXX XXXX. I have been paying {$300.00} a month for more than a year and XXXX  XXXX XXXX continues to state on my credit report that this is a charge off. The amount owned never changes as well. 

Example of XXXX  : XXXX  XXXX XXXX XXXX {$24000.00} Closed 27 charge-offs Example of Transunion : XXXX  XXXX XXXX Last reported XX/XX/2020 {$24000.00} Reported balance Remarks Charged off as bad debt Profit and loss write-off Transunion and XXXX  please remove from credit report.

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 2018-07-16
Company: Auto Trakk, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made payment arrangements with AutoTrakk and have been paying as agreed. They do not update or report it accurately to the credit bureaus at all unless I dispute it and even after it has been disputed they still refuse to properly update the information. It is listed on my credit report as {$1300.00} owed when I in fact only still owe {$650.00}. This has been listed on my credit report since 2008 and the statute of limitation has passed on this account. Autotrakk nor the credit bureaus has a date listed for when they plan on removing it from my credit report. It is very harmful to my credit which I am trying to repair and would really appreciate it if they would remove it from my report. I am fully aware that due to the fact that I had medical complications my payments were delayed but for almost a year I have made consistent payments via my social security XXXX to peacefully resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2020-10-20
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with  XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX   XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request  that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
1.DISCOVERBANK acct. # XXXX bal. $ {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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