BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I took out a HELOC with PNC bank in XXXX of last year ( XXXX ) and promptly set up an automatic payment to be deducted from my external checking account. This loan has an XXXX Only period during the 'draw period ' and the automatic payment is set up to pay this interest payment. PNC initially failed to set up the automatic payment - despite XXXX attempts during which we followed their instructions to set it up - so we made manual payments and eventually in XXXX they confirmed that the auto pay is all set up. But then, they started sending me notices that my account is in default and past due, when I called they assured me the letters were sent in error and it is " all fixed now ''. They attributed the error ( which they said is affecting XXXX of their customers XXXX to a " software glitch '' in their new servicing system. despite this assurance in XXXX, they kept sending me such notices of being in default, ( despite me seeing them withdrawing my monthly payments on time from my checking account ) I spent hours on the phone with them, they kept assuring me all is good and fixed but not so! Most recently I received a XXXX from them saying that they are suspending my " credit privileges '' and I will no longer be able to draw on my line of credit. In fact, as of the time of this writing my account shows as suspended. My most recent communication with PNC was on XX/XX/XXXX with a supervisor who explained that the issue was that the payments, although timely, were erroneously being misapplied by their system and instead of covering interest the entire payment was being applied to principal thereby making it look like I was past due with my interest payment. This supervisor said it will be fixed very soon. I asked why did PNC not send any written communication to those XXXX affected customers, explaining the issue and assuring them this will not affect their credit reporting, etc ...? this supervisor said he does not know why. I asked if he can email me this assurance in writing and he said he is not sure what he is authorized to put in writing. 

At this point I do not know what to do other than turn to you. I am concerned about this eventually being XXXX reported to the credit agencies as a derogatory payment history ( I take my credit standing very seriously ) and although I don't have any immediate credit needs the point of obtaining this line of credit was to have credit available to me and now it is suspended because PNC still has not fixed their issue. I also can not keep spending hours on the phone with them trying to fix this - I don't have the time for this. I just want this fixed once and for all. I am a good customer who pays on time - PNC needs to get their act together and do their part!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Specified Credit Association, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Specified credit association called my employer without permission. Stated that now that they have verified employment they can go for wage garnishment. They call my cell everyday multiple times and have mailed out several letters regualr and certified. Now they are calling my employer. This is harrasment and the medical bill from my sons dr isnt even that old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Credit Protection Association, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Misrepresentation of debt owed. Account in name of Business NOt individual 's name. Account reference was closed with XXXX balance. Used false, deceptive, or misleading tactics to collect debt NOT owed. Credit collection agency fraudulent induced payment through threat on debt that was NOT owed under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Navient Solutions, LLC.
State: MN
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:
I filed for loan forgiveness in XXXX through Sallie Mae/Navient XXXX due to a total and permanent XXXX and had to jump through hoops for 8 years to make sure the total and permanent XXXX forgiveness went through. In XXXX I filed a XXXX form with my taxes after receiving a letter in the mail from Sallie Mae stating that my {$32000.00} worth of private loans had been removed off my credit and permanent record. Mind you each year from XXXX through XXXX I had to send in a copy of my taxes with all of my medical records and letters stating that I was indeed totally and permanently XXXX. I also contacted the Department of Education for the state of XXXX   who has also stated that the private loan for the above amount should have been permanently deleted from my credit and permanent record. I am contacting you because as of today XXXX XXXX The agency that collects debt ) claims that I still owe the amount even though I sent them a copy of my tax transcripts and a copy of the letter they sent me stating that the loan had been forgiven. This has been damaging my credit and has also caused lots of stress due to their incessant phone calls telling me I owe them money. I have called them several times since XX/XX/XXXX to try and get this resolved and they simply will not resolve it unless I pay the above listed amount, which I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I was checking my XXXX ID personal protection Today and there are several delinquent recorded debt information from creditor, some of which can't be verified, saying that there is adverse credit information from 7 creditors which some I know are credit cards but others can't be determine. 

This information was obtained from experian. 

As I indicated to you there as but and on going problems with creditors and banks, which has been filed.

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 2018-04-27
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a phone call from XXXX XXXX XXXX. XX/XX/XXXX stating that they had mailed a notice to collect a debt to an address that I have not lived at for over 10 years. I provided my new address and followed for approximately 2 months. Meanwhile, the deadline to pay the debt was XX/XX/XXXX. I finally received my noticeXX/XX/XXXX. I paid a final payment as per my settlement agreement amount on XX/XX/XXXX which resulted in a total of {$300.00} in installments. I was advised by XXXX XXXX from XXXX XXXX XXXX XXXX. that the XXXX would notify the creditor XXXX XXXX XXXX XXXX XXXX   and that I would receive a letter within 7-10 days. On XX/XX/XXXX I was mailed a letter from XXXX stating that I had a balance of {$550.00}. on XX/XX/XXXX I called XXXX and spoke to XXXX XXXX   who had advised that my file had not been closed, that XXXX   had not notified XXXX XXXX XXXX that my debt was paid in full as per the settlement agreement, and that the notice that I was supposed to receive in 7-10 days was not mailed. As per XXXX XXXX at XXXX they would notify XXXX XXXX XXXX XXXX and I would receive a notice within 7-10 days. It has taken me over 3 months to try and settle this debt without any help or assistance from XXXX XXXX XXXX.

Client acct # XXXX  XXXX acct # XXXX  Creditor is XXXX XXXX XXXX XXXX XXXX Debt Description : XXXX XXXX Original Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
We received the Bank of America credit card in XX/XX/2022 with 0 % interest. I was supposed to be charged 0 % interest rates for 21 months. I was never told by the bank that they were going to be charging any interest rates prior to 21 months. However, the bank imposed an interest rate that was not agreed upon or discussed with me. I took out the card because I was promised a 0 % interest rate for 21 months. I would like the interest rate to go back to 0 % and Bank of America to refund me for the extra fees paid to Bank of America from XXXX until current ( XXXX ). I would like Bank of America to be held accountable for a classic bait and switch.

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 2018-02-26
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have 8 loans in 1 account. Two of the accounts are report as " collection ''. After calling XXXX they said the accounts are not in collection, and that they do not send accounts to collection. They would not change the status until I made the account current. 

From a consumer perspective, I make 1 monthly payment, into 1 account. It looks and feels like 1 account. When the account falls delinquent, they report all 8 accounts to the credit bureaus as delinquent. Every loan in the account has different payment structures and the way the payments are applied are very confusing to the consumer. I called into XXXX for an explanation and frankly it is not remotely similar to any experience consumers have with other creditors. It unfairly reports these delinquencies as multiple delinquent accounts causing severe damage to a consumer 's report. I believe this puts the consumer at a disadvantage.

The account manager ( I have the name ) admitted to me that the accounts are very difficult to understand unless you do it every day. He also said the DOE 's billing and payment methods are very different than that of other creditors. I work in financial services, and that just sounds very suspicious, and misleading to consumers. Please feel free to reach out for specific detail and examples.

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 2019-07-15
Company: Data Check of America LLC
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-07-09
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX dollar limit on this credit card. From Best buy and ity is handled by Citi bank. I make payments on this card and no matter how much I pay they still say I owe over 500 dollars. WEhen I make payments my balance should go down but every time II get a bill it is up over 500.00 dollars again. I live on social secuirity and I can not get my balance down below XXXX. so I need to have their practice investicated.

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 2018-06-27
Company: Ability Recovery Services, LLC
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: Account information incorrect

Complaint:
This will be my third complaint submitted regarding this company. XXXX XXXX XXXX, a credit agency working behalf of XXXX University. In my last complaint I explained how the information provided was inaccurate. I requested that the information regarding a collection account on my credit report reporting negatively be validated. Until this day this information still has not been done. The company however did send a letter that I will have attached to this compliant. This letter states information that AGAIN I want to VALIDATED. Due to the lack of cooperation with this agency I went to the source. My XXXX provided to get them to validate the information. This could not be done. Due to XXXX services not being able to validate this information this loan along with other loans have been deleted from all three credit bureau. I will provide a copy of the deletion from XXXX credit bureau to this complaint. If this was case that XXXX  services could verified and validate I would cooperate with the company how this could not be done. At this point and time I am considering the actions by Ability Recovery Services and XXXX University as harassing and will continue to go as far as needed to settle this matter. I am currently working with my attorney to see what is needed to take this case to court if this account is not delete from my credit report. This company has failed to provided the necessary information and the main source of their information XXXX has step up and deleted the account from all credit bureaus due to it being inaccurate.The company is reporting funds were returned to XXXX  XXXX however XXXX XXXX has deleted this account along with other due to inaccurate information. I will allow 30 days for this company to respond appropriately by deleting this account from my credit report. If this action is not taken I will move forward with the next step in the legal process.

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 2020-11-04
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI
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:
I checked my XXXX credit report and on XX/XX/2020 a creditor reported. XXXX charge and I researched the company as I didn't know the creditor and I have never received services from this creditor. I checked BB and looked at the complaints and many were in the same boat as me with the same amount of XXXX. Please assist. The creditor information as follows : XXXX XXXX XXXX XXXX XXXX Other {$550.00} Status Date Reported XX/XX/2020 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 2 Years, 0 Months Credit Limit Not Reported Highest Balance {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written to Transunion on several occasions requesting verifiable proof and original documents of my authenticated signature, having also provided them with federal fraud affidavits and proof of on-going theft regarding my identity. The item in question is the result of a merger of a former spouse 's credit report with my own. I am not the owner or co-borrower on her home. The account # is XXXXxxxx ( XXXX XXXX XXXX ).  XXXX and XXXX have promptly removed the item and were required to share this information with Transunion ( violation of FCRA XXXX Section D ). Transunion removed the item on XX/XX/XXXX and re-reported it on XX/XX/XXXX in violation of FCRA XXXX. I have written to them XXXX times requesting the " verifiable proof '' that they claim to have utilized, knowing that even XXXX XXXX XXXX does not possess a document with my authentic signature. They have not provided me with any of the documents that I've requested, a violation of FCRA XXXX. I wrote to them again on XX/XX/XXXX and they obviously employed the use of E-Oscar to verify the debt by sending a response on XX/XX/XXXX. They are not taking this matter serious, having continuously and egregiously violated FCRA XXXX, XXXX and XXXX. I began writing to them on XX/XX/2018 in hopes of having this resolved. I am now prepared to file suit and will be writing to notify them of such if there is no resolution within 15 days.

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 2018-10-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2018 at approximately XXXX EST I attempted to place a credit freeze on my credit report with Experian PLC. I attempted to place this credit freeze online via the Internet. After entering all required information I received a message requiring me to send further information via registered mail. Registered mail is not free. It is my understanding current law requires credit reporting companies to place credit freezes at no charge to the consumer. Please require Experian to place a credit freeze on my credit report free of any charges. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: ARS National Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I received a letter from ARS National Services , Inc. about a debt they were trying to collect. I did not recognize this debt, so I sent them a debt verification letter, requesting information including, but not limited to : -Name and address of the creditor to whom the debt is currently owed -Copy of the signed agreement that created my original requirement to pay -A copy of the last billing statement -When the creditor claims this debt became due and when it became delinquent -Information about the firm 's authority to collect this debt. 

In this letter, I also requested that no telephone or email contact be made by their office to my home, my place of employment, or my mobile phone. 

On XX/XX/2022, I received a packet from ARS National Services. This packet was just a bunch of printouts of statements from XXXX that I do not recognize. They failed to provide any copy of an entered agreement to pay, as requested in my letter, as well as information on when the debt became due, delinquent, etc. 

In the past month, I have also received numerous emails and phone calls from ARS National Services as an attempt to collect this debt. Based on all of the information I have, it seems to me that ARS National Services are engaging in predatory debt collection practices. I am not sure if they are a scam debt collector, but it would not surprise me with these tactics. 

I drafted a letter to send to them to notify that I will be informing the CFPB of these practices, but am afraid to send it to them presently with the current frequency of their calls and emails. I am getting daily emails and calls from new numbers trying to bypass my spam filter.

Company response to consumer: Closed with explanation