BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-13
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I are trying to pay off a PNC conventional First Mortgage. My husband had filed chapter XXXX due to business issues. So we are in the bankruptcy Department. My loan is approved with another company. PNC refuses to give a payoff with the per diem. The new mortgage company and Title Company need a payoff plus a per diem to make their closing disclosure accurate. PNC tells us that they give the figures to the bankruptcy attorney. The bankruptcy attorney then takes 5 days to mail us a payoff which goes to our bankruptcy attorney. And the payoff is only good till 1 or 2 daysb after the date of the letter. No per diem. When we ask the attorney 's office for a per diem they said PNC will not allow it. When I ask PNC for a per diem they say the attorney has to provide the information. What a scam. When we asked the attorneys office for a per diem.they said PNC will not allow it.. What a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Loan Velocity, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX I applied for a mortgage loan with this company months ago. 
Loan Velocity XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX And after being preaproved, my emails were ignored, it wasnt until I mentioned cfpb that they replied, their loan officer XXXX XXXX asked me during the preaproved process for evidence of my bank funds which was confidential information from a personal injury claim settlement that I had, he even asked me for the attorney in my personal injury case letter even though I explained that was confidential information, he stated that his underwriter need it, and that was not legal practice I contacted his boss and owner XXXX and he promised over the phone to withdraw my application, weeks after he promised I sent them an email to know the status and still my application with my docs was not withdrawn I need you to investigate this people and order them to delete my confidential information, thats not proper what they did and I dont want my confidential info to be shared or sold please make sure these people dont do this to anybody else.it seems that they were just using my info to meet their quota of loan processing just based on false promises and confidential info requests that were not needed or allowed. 
Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Nelnet, Inc.
State: MD
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:
failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
M and T Bank now deny that I ever had a loan with them. They claimed they have nothing to do with the taking of my house. I was called today by the lawyers at M and T and they claim they have no record of them ever being involved even though I'd been in touch with XXXX XXXX and XXXX XXXX at headquarters for some time now. I was promised a resolution but got none.

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 2023-04-09
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX. 
account # XXXX. 
account # XXXX. 
account # XXXX. 
account # XXXX, has 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
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 received information that fraudulent accounts were opened in my name. I contacted XXXX and XXXX agreed and removed this account. I have four separate bank accounts listed on this report all from XXXX XXXX. 
All XXXX checking accounts opened XX/XX/XXXX showing {$310.00} charged off, XX/XX/XXXX showing {$420.00} charged off, XX/XX/XXXX showing {$270.00} charged off and XX/XX/XXXX showing {$460.00} charged off. 
I disputed this with XXXX, sent police report and the copy of FTC complaint but XXXX refuses to not only remove it but even speak to me about it. When I call I get sent to many different departments all of which transfer me - no one knows who I should speak to. If I go to the branch they say they can not help me and to call. 
I need these removed, and an explanation as to how four accounts can be opened!!

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 2023-02-10
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Contract with Citibank XXXX XXXX ( XXXX ) Credit Cards : XXXX XXXX Card Credit Card No.- XXXX, and Citibank Visa Credit Card No.- XXXX, Present A Claim Due to Serious Illness, I was Hospitalized, Respectfully Request Protection for Serious Illness and Coverage of the XXXX ( XXXX ) Credit Cards, Citibank XXXX bank I did not process the Request before the insurer XXXX XXXX XXXX, Given so much Arbitrariness File before the Insurer XXXX XXXX XXXX The Respectful Request for Coverage and Protection of the XXXX ( XXXX ) Credit Cards, The Insurer Only Covered XXXX Card that it Owns : Citibank Visa Credit Card No.- XXXX , did not want to Arbitrarily Cover the XXXX  Credit Card XXXX XXXX Card N.- XXXX, Arguing more Document Demands, I have been pursuing XXXX ( XXXX ) XXXX ( XXXX ) collection houses, Again I have requested Citibank XXXX and to the insurer Definitely cover the XXXX card but argue a number of Excuses, to make matters worse they report that they sold the XXXX XXXX Card Credit Card No.- XXXX, to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am not really putting this in for a dispute, I am fine with the disputes I put in, but on my report I saw something I wanted clearified and called the toll free number only to find that it goes to a call center in XXXX. This is appalling. We are always fighting to keep our credit safe but trans union has their call center in a country that is known for people hacking and stealing identities. This needs to be addressed. I am very angry about 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 2023-05-21
Company: SandP Solutions, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
on XX/XX/2023 I was doing my online banking and making credit card payments when a flashing/flickering window popped up on my laptop screen saying do not turn off your computer, your computer has a threat. a number appeared to call immediately and I called because I never saw this before. the person that answered the call stated I was being hacked and my finances were at risk, he asked for my personal information and the amounts of my bank accounts, how many credit cards I have. I said I had about {$4900.00}, he said oh it's {$4000.00} you have available. Per his request, I gave him the name of my credit card and balances, and amounts available to use. He said that {$3500.00} was going to be withdrawn from my checking acct in two hours and I needed to take the money out to protect it from the scammer who was using it for XXXX  XXXX subscriptions, if the government would find out then I could get caught and even would go to jail. Gave me a case # XXXX and I was to follow two steps for this hacker to avoid remove the money and to let the government it's not me. XXXX ) I went to my branch, XXXX took out XXXX, deposited for " only verification '' {$2000.00} in a bitcoin machine at XXXX XXXX XXXX, NC. XXXX, {$1400.00} in another, the first one got stuck at XXXX XXXX XXXX, NC. XXXX. I was supposed to get the money back into my bank account or new account in a few minutes, since it is weekend, Monday is the day to have the transfer. I went home and told my son, immediately he told me it was a scam. I should've told him but I was afraid and wanted to resolve this issue. I called this person and did not answer XXXX. My heart ached and started crying for being naive and stupid. I should've known better. I called bitcoin several times, no answer, I left messages, i emailed them too. I called my bank and I was given educational information on how to prevent this to happen in the future. I contacted the 3 credit report bureaus to freeze and protect my identity. I changed my passwords, I am using double authentication for my online accounts. I feel sad and upset. I have heard of these scams and bitcoin money, but I didn't think it would happen to me, not in a million years.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am trying to settle with my creditors instead of filing for bankruptcy. However, I am currently getting letters from collection agencies that claim they have purchased my debts. It is my understanding that if a debt was acquired I am entitled to obtain a letter of purchase from the debt buyer and a letter of sale from the original creditor. However, I must also obtain the transfer papers in true copy form to validate the sale of debt. Even though third-party ownership voids my rights under the Fair Debt Collection Practices Act since the Henson v. Santander Consumer Financial USA decision from the U.S. Supreme Court XX/XX/2017, I believe that until true valuation is proved that my request are reasonable. In addition, on all debts still not transferred by a debt buyer, I am interested in a reasonable settlement offer to see if my overall financial situation can avoid a chapter XXXX bankruptcy filing. Accordingly, I request an open dialogue to resolve all credit issues without a federal court dismissing my obligations. I request a reasonable settlement on all debts within 10-business days. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed an account and a few inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$7700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-05-08
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is in violation of fcra section 609 623 and several others they are not able to show original signed contracts or any form of proper debt validation at all this has been an ongoing issue that ive tried to resolve with this company to no avail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2019-11-08
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This has been going on for a couple of years. 

Diversified Consultant Inc. Keeps reporting on and coming off all 3 credit bureaus. They would call my cell phone everyday and hang up. I disputed this Company with XXXX XXXX and XXXX. Only information I received is from credit report for XXXX XXXX, as far as I am concerned I do not owe dish anything. We haven't had service with them in years. 

After disputing with two bureaus. I received a letter from Diversified that they are gathering information that the debt is still owed. This has been two weeks since. Still never received what debt and original date of nonpayment information. 

This seems to be harassment. They instead of sending a letter that they are gathering my debt informstion. Should of sent the information. 

I am looking for the answer or them to cease this activity and permentanly remove themselves from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
In accordance with the Fair Credit Reporting act XXXX  Account ; XXXX # XXXX, has 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX  XXXX is attempting to charge interest on top of interest. This began within approximately one month after XXXX XXXX extended me credit & opened an account on my behalf. My first statement was dated XX/XX/2018. I have paid off in full each month the purchases accrued. I believe XXXX XXXX uses overly aggressive if not Illegal calculations which don't consider, for one thing 1 ) credit when an item is returned and that transaction overlaps 2 statement periods..There are i am sure other overly aggressive tactics employed by XXXX XXXX in the name of tacking on interest. 

I have called them each time I received a new statement which showed interest and explained and provided proof that full balances were paid timely & asked that the situation be permanently corrected, to no avail. 

I request all interest ever charged be removed and/or credited back to 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 monetary relief
Consumer complaint received 2020-09-22
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
On my credit report there is a collection account from afni a debt collection company which I asked experian to ask the company for proof the account is mine, such as documents bearing my signature and verification that it is me as I had my purse stolen a few years ago and accounts had been open in my name. I am not familiar with afni as no documents have been submitted to me advised I need verifiable info from the original creditor which they failed to provide and just closed my dispute without confirming this info based on the word and not documentation from the debt collector which goes against the fcraa

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 2019-11-08
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother created a trust, at the suggestion of an attorney, and moved her life savings into a trust ( checking ) account with South State Bank. My mother recently passed away, leaving my brother and I as successor co-trustees. The bank refuses to allow my brother and I to access the account in any way, even though it is spelled out clearly in the trust certificate ( which the bank received when the account was opened ) that we are supposed to have access to the account after my mother passed away. The account is frozen, and we are unable to pay the utility bills, property taxes, etc. on my mothers house. The bank has refused for over a month to allow us access to the account, even though we are fully authorized to access the account. It seems to me this would be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I lost my phone, and my personal internet account was changed with a password and transferred out {$3500.00} with 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 monetary relief