BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: PNC Bank N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
FRAUD SCAM BY PNC CUSTOMER. Inadequate action by PNC. I have been defrauded of {$62000.00} by PNC customer. PNC has not responded to Recall of funds by XXXX XX/XX/XXXX, XXXX fraudster had an account at PNC and, it appears, had not been verified before opening the account. XXXX recalled the money on XX/XX/2019. Facts : On XX/XX/2019, after a fraudulent scam email request from someone impersonating my brother, I transferred {$62000.00} to pay a bill for my brother who sent me PNC bank account details for deposit. On XX/XX/XXXX I realized that it was a scam. XXXX issued a Recall of the money to PNC, XXXX XXXX XXXX XXXX. I reported the scam to the police XXXX XXXX. Police told me PNC may have been aware that the account was being used for fraudulent purposes.The bank draft for {$62000.00}, was sent on XX/XX/XXXX to : XXXX XXXX, Account No : XXXX, XXXX : XXXX, PNC Bank. My questions : Was the money in the scammers account when PNC received the Recall instruction from XXXX on XX/XX/XXXX? Did PNC have suspicions that the account was being used for fraudulent purposes? Did PNC verify identity of account holder? If suspicions about use of account, were appropriate safeguards taken? PNC has not acted to protect consumers and has allowed itself to be used for fraudulent purposes through negligence and lack of adherence to protective protocols in the banking industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Lending Club Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a loan with lendingclub.com i have moved the payment before to a different date and they charge me extra, i now i have moved the date to a closer date, and they don't want to lower that payment for that moment, this is ok..i have to pay on the XXXX each month, now I move to the XXXX of this on, and is the same amount, should be lower the first month., also i recucest t o lower the interest i see now is to much, and they refuse, what they tell me is to get another loan ... this is right. the interest rate i have is 35.9 % is very high.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 on this day I contacted RoundPoint Mortgage Services about a late payment charged to me. The late fee is {$19.00} which is charge if payment is not recieved by XX/XX/2019. I made a payment after XXXX XXXX over the phone and was told by recording it will be posted the next business date. On the next month statement I had a late fee charged to me for {$19.00} for XX/XX/2019 statement. I am being charge for being late over the phone on the XXXX which is the received by the date of the XXXX of the month which is stated on the statement, ( If payment is not received by XX/XX/2019, a late fee of {$19.00} will be charged ) this is stated on all of my mortgage statements. If RoundPoint is charging me a late fee on the XXXX it is a false statement being post on my mortgage statement. I have never been charge a late for paying on the XXXX of the month over the phone making a payment. I spoke with customer service and after debating the charge i was placed on hold while she spoke with someone about this. She did come back on the line and said that they would omit the late charge as a courtesy this time but i need to make my payment by the XXXX. However my statement says payment not received by the XXXX it is late. There is some contradiction on the statement of false misleading information and needs to be corrected.

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 2020-12-22
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
57 Inquiries on my report. I did not authorize most of the inquiries and want them removed please.

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 2017-09-13
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:
Equifax, in the course of collecting personal information for use in credit reporting, was negligent in the storage of this information and as a result, my personal information, including but not limited to my name, address, and social security number were compromised. The net effect of their negligence is that for as long as the compromised information is a core part of the credit reporting system and financial system, I will be vulnerable to fraudulent activity and identity theft. Even with over a month passing since their discovery of this data leak, Equifax is unprepared to take any effective remedial actions. Their website is unable to process requests to freeze my credit. They also have not coordinated with other credit bureaus to allow me to freeze my credit without paying a fee for each freeze and unfreeze. Their phone system is ill equipped to handle the call volume as a result of their failure and they have effectively left me on my own with my personal information exposed. Equifax has offered limited credit monitoring services, but these would only notify me after someone has used this information ; it does nothing to deter the usage of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: EQUIFAX, INC.
State: ND
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:
Equifax and XXXX are reporting incorrectly ( 60 ) days past due on the XXXX - partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: BMW Financial Services NA, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I made {$45000.00} in payments for a XXXX bmwXXXX XXXX. Toward the end of the lease, I made payment arrangements, but was unable to keep up payments due to unemployment. The lease was for 3 years. In XX/XX/XXXX, I was to turn the car in, nothing due. I received two letters in XXXX and XXXX offering a new car to get a reduced payment from XXXX to XXXX. I asked to turn the car in at that time. BMW said no, it must be a voluntary repossession, even though they were trying to sell me a new car. They came and got the car. At that time I owed about {$4000.00} in lease payments. 

The car only had 27,000 miles on it, and had been appraised for {$31000.00}. 

BMW is now trying to charge me a residual fee of {$30000.00} plus another {$22000.00}. I knew nothing about a residual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account on my credit report for AD Astra Recovery but I don't remember ever having an account with this company nor the original creditor, XXXX XXXX. 

I want the company, AD Astra Recovery to produce me a copy of my original contract with them and XXXX XXXX, proving this account actually does belong to me. 

They need to produce me a copy or remove this account from my credit report and stop all collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I noticed a negative collection from Radius Global Solutions whom I have never heard of, never had any documentation of debt, and did not provide me letter of notification as to which I may dispute the debt within 30 days as required by law. The amount of collection is {$97.00}. This has negatively impacted my credit and my ability to make future purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score was XXXX with XXXX of mortgage debt and 7 years after paying off the mortgage and a car loan with the same spotless payment record and a significant more money saved my score is slightly under 800. 
With the sleazy credit reporting companies like Trans Union leaking all the consumer data that they have, and now suggesting that those with lower credit scores should be AWARDED a higher score ( I can only guess they want to cause a 2nd housing financial crisis. What gives here. I want the score to reflect my true credit worthy status and the system will not put my credit score where it belongs because I am not filling the banks vault with interest payments.

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 2019-07-01
Company: Nelnet, Inc.
State: GA
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:
Nelnet is placing extra accounts on my credit report and reporting a accounts that are not validated with notarized documents. I have requested notarized copy of information and these accounts are no legit. However, they refuse to do so and the credit agencies are reporting this information, so both will be suited. By the attorney that sued XXXX  for XXXX XXXX dollars. This case was win in Oregon! Since the credit agencies want to support information that is not true and even when you have shared documentation with them. 

I have retain a attorney at this point and would like the all documents support this debt, so they name can be introduced into the LAW SUIT. Credit Act states I have the right to know the following : 1. Who was involved in this investigation names, telephones numbers, of each person involved in the procedure. 
2. Provide dates and times for the investigation 3. A description of the procedure used to determine this accuracy.

XXXX is already in deep legal issues when it come to this account as Nelnet and XXXX have created acts of forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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  and Transunion are reporting incorrectly ( 60 ) days past due on the XXXX - partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my 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 2017-09-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A temporary vet took unauthorized X-rays of my dog, then never sent them to my 'usual ' vet or myself. They wouldn't let me leave with my dog until they were paid. I disputed the charge with Capital One, gave them all the info they requested, then they denied it and asked for completely ridiculous information : " A second opinion on company letterhead from another merchant in the same field that states how the service was defective or did not match the description of your sales invoice. '' My vet and another vet both said they would have to charge me to provide anything on a letterhead. If Capital One needed this information, then they should have gotten it themselves. 
Capital one ruled against me and closed the dispute and refused to reopen it. 
I refused to pay the disputed amount, closed my account of 10 years with Capital One, and now they email me daily with no way to make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX is reporting on my credit report with XXXX and amount is for XXXX. I have sent XXXX XXXX XXXX debt validation on XXXX XXXX, 2017 and XXXX XXXX XXXX has not responded

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX p.m. on Sunday, XX/XX/2019, I completed all of my banking for the week because I was traveling for business the next day. I made sure I had enough to cover all of my bills and all of the upcoming expenses for the week ahead. Much to my surprise, I received an email from Bank of America on Monday morning, XX/XX/2019 at XXXX XXXX. reporting my account had insufficient funds. I was terrified and thought maybe my account had been hacked. When I went online to investigate, I noticed XXXX XXXX attempted to withdraw {$2100.00} from my checking account. I immediately called the Bank of America ( BOA ) Call Center to alert them to stop the payment to XXXX, that it was an error. They told me " there was nothing they could do and that because the payment was processing even a stop order would not work. '' I explained how I needed the funds for travel and repeatedly asked for help. The next day, after receiving four ( 4 ) alerts for insufficient fund charges, I again called the BOA Call Center. First they told me my car insurance was paid. Then they told me it was not paid. I again told them XXXX should not have been paid. After receiving THREE ( 3 ) MORE  insufficient or overdrawn fund charges, I then received an additional ( 1 ) overdrawn fee in my other checking account because a transfer could not be made to cover a check for my car registration. In addition to the {$280.00} in BOA charges for the week, I was left without money for food and gas for my car ; I received numerous late fees for the payments I scheduled ; I could not purchase my low cost, return home, airfare ticket, which has now more than doubled and I do not know how I will get back to Florida or retrieve my vehicle from airport parking. Additionally, I am now marked late to several creditors, could not pay my car payment, which resulted in another late fee and charges. I can not put a price on the emotional cost - being away from home without any money is a horrible and scary event. Sadly, this is not the first time BOA has done this to me. I am of the opinion that they process checks in a way that is self-serving to the bank and damaging to the consumer. I simply can not afford to use BOA and will be switching banks as soon as this is resolved. Lastly, I do plan on notifying the media because my friends and family complain about the same issue with BOA and what they refer to as " thievery. ''

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 2018-01-27
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:
I submitted a request to validate a debt. I disputed this debt based on the fact of it not being my account. I received a response and was told to contact the creditor. I had already contacted the creditor and they sent billing statements in which does not validate the debt as belonging to me. Upon calling the debt collector I was asked the account information and I gave the account info as it was listed on the credit report. The representative asked me was the last 4 of my social XXXX and I immediately yelled out NO my social is XXXX. As he was typing ( I could hear this in the background ) he advised me that he had to forward me to the dispute department, that was all he said before he transferred my call. When my call was answered by the representative who gave me the name of XXXX I went on to explain my situation to him and then he informs me that the social on the account was now my social after I had just given it to the previous representative that told me the last 4 of the social on that account was XXXX. I was livid because this representative has now fraudulently attached my social to this collection account. XXXX placed me on hold to speak with his supervisor in which he told me her name was XXXX was going to go back and listen to the recording to verify whether or not my social was indeed added to the account and also to confirm the last 4 I was told by the previous representative. Needless to say I was not called back but the account status was changed on Transition to closed instead of being deleted from my report. It still remains as an active collection on the other 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 non-monetary relief
Consumer complaint received 2018-01-27
Company: EQUIFAX, 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:
I submitted a request to validate a debt. I disputed this debt based on the fact of it not being my account. I received a response and was told to contact the creditor. I had already contacted the creditor and they sent billing statements in which does not validate the debt as belonging to me. Upon calling the debt collector I was asked the account information and I gave the account info as it was listed on the credit report. The representative asked me was the last 4 of my social XXXX and I immediately yelled out NO my social is XXXX. As he was typing ( I could hear this in the background ) he advised me that he had to forward me to the dispute department, that was all he said before he transferred my call. When my call was answered by the representative who gave me the name of XXXX I went on to explain my situation to him and then he informs me that the social on the account was now my social after I had just given it to the previous representative that told me the last 4 of the social on that account was XXXX. I was livid because this representative has now fraudulently attached my social to this collection account. XXXX placed me on hold to speak with his supervisor in which he told me her name was XXXX was going to go back and listen to the recording to verify whether or not my social was indeed added to the account and also to confirm the last 4 I was told by the previous representative. Needless to say I was not called back but the account status was changed on Transition to closed instead of being deleted from my report. It still remains as an active collection on the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Received unsolicited prepaid card by mail on XX/XX/2018. cardholder agreement under fee schedule states '' If you do not register your card and your card remains inactive, we will access the Account Maintence Fee Listed below beginning 90 days after the date the card was acquired. '' called to remove account but was an automated call with no way to verify it was removed. E mailed to the listed email address to decline card but address was invalid.

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