BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: PNC Bank N.A.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have to check my records for specific dates, but they should have all phone conversations recorded. I was unaware PNC Bank would operate like this. 

In the middle of the year XXXX I was getting ready to pay off my car loan. I called in to make sure that was ok and that my contact and mailing address were up to date. I did this regardless that I was already getting mailing from PNC bank at my current address - including the loan payment slips. 

When I did not receive the title in XXXX I began making calls. 

First call I was told it was not mailed yet and my address was up to date. 
Second call I was told it was mailed to an old address. I demanded a lien release letter. I did not receive that. 
Third call I was told I should have received the letter and they would resend again. 
Fourth call I escalated the situation by mentioning the word " legal '' as I found out online it would command some action by their team. They finally mailed me the lien release letter but expect me to take the time and money to go get a replacement title. 

I have been to the DMV twice with long wait times and had to leave after wasting over an hour each time because my work and job is very demanding. I have no choice but to plead with the CFPB to assist me with this. After they collected all their interest, they decide they do not have do do anything. I am facing many hardships trying to get this title to sell the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00}

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 non-monetary relief
Consumer complaint received 2023-12-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I notified XXXXXXXX XXXX of XXXX, CA, of my intention to vacate my apartment, with the lease ending on XX/XX/XXXX. However, I was incorrectly charged for days beyond my tenancy. I returned the keys on XX/XX/XXXX, as their office was closed on my move-out date. Despite this, XXXX altered my move-out date to XX/XX/XXXX, leading to unjustified prorated rent, insufficient notice fee and other move-out charges. 

Subsequently, XXXX sent my account to Fair Collections & Outsourcing Inc ( FCO ) for collections without providing me an itemized breakdown of these charges or notifying me of the debt. On XX/XX/XXXX, upon learning about the collection action from FCO ( letter sent dated XX/XX/XXXX ), I immediately disputed the debt, requesting a detailed validation, including specific charges and their justification. Despite my dispute, FCO reported the alleged debt to credit bureaus without any response. 

The actions taken by XXXX and FCO have adversely impacted my credit and have been conducted without transparency or due process. No effort was made by XXXX to clarify or validate the charges before escalating to collections. FCO, in turn, failed to adequately address my dispute before reporting to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I applied for the XXXX in XX/XX/2021. I have been given the run around and excuses for the past two years. I qualify for the loan forgiveness. I have called MOHELA many, many times. This has been a two year nightmare. I recently received a letter finally saying I have qualifying payments but now my dates are not eligible. This has been a two year nightmare. Not trying to get some help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Since XX/XX/2023 there was a cyber attack on XXXX XXXX, which in included our mortgage company- LoanCare- XXXX. I was NOT notified of there even being an issue by our mortgage company until XX/XX/2023. The email does not even include ANYTHING pertaining to the cyber attack or that my information was leaked on the darkweb. The only thing mentioned in the email was they updated their systems for a new customer experience, they are back online and if you have been unable to timely make your payment due to the system outage, no late fees or negative credit reporting will be incurred. My personal information was leaked from what I found out and I still have yet to be notified of this and it is now XX/XX/2023. I still have yet to be able to pay my mortgage for XX/XX/2023 and now XXXX is due. I was forced to use the XXXX payment money to be able to pay my other bills due. We are already struggling as it is, I cant afford to sit on money when other bills are due. This has put me in a huge predicament. VERY disappointed how all of this has been handled and I dont have clue what information of mine was leaked! I have called, tried going online, I have followed groups on XXXX of everyone else having the same issues. This is TERRIBLE!! I have contacted the Texas attorney general, put in a complaint to the XXXX and now contacting CFPB for help with this HUGE problem. The website is STILL down. I check serveral times daily to no avail. This is has been VERY poorly handled. This is NOT the first time Loancare has had information leaked/hacked. The stress from this has been horrific. There are class action suites against this company as well.

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 2023-12-03
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 at around XXXX my boyfriend tried to deposit over XXXX into my account using my bank card because I was going to buy XXXX presents the next day on XXXX. After he put the cash into the ATM there was a service error saying for security reasons we can not authorize this transaction. The screen became grey, withheld the card for XXXX mins before spitting it back out but never returned the cash. There is no record of this attempted deposit. The ATM gave no receipt of this attempted transaction. All we have for evidence is the camera on the ATM and the time that this occurred. On Friday XX/XX/2023 I filed a claim immediately once the customer service desk opened. They said they will review and " if '' they find the money in the atm they will reimburse. I then stopped at the physical bank and let them know what had happened. They informed me they had no control over the atm, or the atm cameras and that I would have to wait until a service technician came and looked. I am going to be filing a police report and will proceed to small claims if this is not resolved. This is my money and the bank is acting like it's no big deal. What if that was all the money I had and couldn't feed my kids while " they tried to see if the money was in the atm ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Account # XXXX Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX I disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. I attached such exhibit below. XXXX XXXX Account # XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report. XXXX XXXX XXXX, XXXX has only provided me with statements and transactions from XXXX  XXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A. The notice is to inform that XXXX XXXX XXXX XXXX have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You XXXX XXXX XXXX, XXXX have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting I of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt. This account does not comply with Metro 2 Compliance Standards. 

This account was deleted from XXXX due to inaccurate and incomplete information.I have attached exhibits below to show proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Capio Partners, LLC
State: TX
Product: Credit reporting 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:
AS I WAS VIEWING MY CREDIT REPORT I NOTICED INQUIRIES AND ACCOUNTS THAT DO NOT BELONG TO ME. IVE HAD MY WALLET PICKED FROM ME NOT TOO LONG AGO AND I WORRY THAT PERSONAL INFORMATION IS BEING MISUSED. FOR INSTANCE : COMPANIES- CAPIO PARTNERS LLC XX/XX/XXXX {$2900.00} XXXX XXXX XXXX {$19000.00} INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 : Account name : XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-09
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In  XXXX     2016,  I recently fell into some unexpected financial hardships. I was trying to take care of myself and my mom. I became delinquent by some months with my mortgage. However, at the start of the year I began making as many payments as I could to catch up. I explained this to the lady I spoke with, but it did not do any good. I am looking to get help from Maki ng Home Affordable co unselors. I would like to know where the money is that I sent to Nationstar Mortgage in  XXXX , Texas. I have not stopped trying to make payments even if it was something to send to catch up the balance. Now, they are threatening foreclosure. Please help.    XXXX  Serviced by Nationstar Mortgage  LLC,  a subservicer for  XXXX   XXXX  Number  XXXX  Interest Bearing Principal Balance  XXXX  Interest Rate 3.750 % Escrow Balance  XXXX  Amount past due {$4000.00} - This amount has been paid. I am just working to catch up the first few months of the year.   I have also contacted the VA for assistance and nothing. No one is willing to help me out. I do not want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-09
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a payoff letter for my student loan and another lender who was refinancing this sent the payoff to the address on the payoff letter. I was told that this was the wrong address to send the payment to after the loan was never paid off. The check cleared on XX/XX/18 so XXXX XXXXMohela has had these funds since then and today is XXXX XXXX and the loan is still not paid off and they have since taken another payment. The first time I contacted them I was told to get a copy of the cancelled check. After I sent that they told me it had been located in a general ledger account and would be mailed to the correct address and it would take XXXX  days. This was unacceptable to me and I spoke with a supervisor who told me this would be escalated. The last call I received was after the escalation and I was again told XXXX days. They have had my money since XX/XX/18 and I want my loan payoff to be completed and backdated asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was a victim of identity theft for various loans and bank items

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 2015-08-17
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX my credit score dropped from XXXX to XXXX. The credit company states that this is due to : a derogatory public record or collection filed. I have never received any legal documents to verify this claim via the mail or otherwise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-06-22
Company: Kikoff Inc.
State: FL
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was reviewing my credit report and I noticed that there are previous addresses listed that are not my current address and I would like them to be removed. I would like to remove a name. 

I have attached the proper documents displaying my personal information.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-12-05
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23 I added funds to my account. Later that day, I also received my direct deposit. After I added funds to my account I did not use the card anymore. When I checked my account for my deposit later in the day, I noticed the money I added earlier was gone and only my deposit was left. I realized then my card was not in my possession so I moved the money and filed a dispute on XX/XX/23. The bank denied my dispute on XX/XX/23 saying no error occurred. I requested documentation to show no error occurred to which I only received the intake form where I filed the dispute. I have called several times and spoken to about XXXX agents and XXXX supervisors. They were all helpful and Ive had XXXX rebuttals opened, however my claim is continuously denied when Ive provided evidence. The supervisor I spoke with on XX/XX/23 stated my evidence submitted proves I was not at the locations the unauthorized transactions were made. I am not understanding how they are continuously denying my claim. This is very upsetting that my money is not being refunded and I feel the bank is not taking my concern seriously.

Company response to consumer: Closed with explanation