BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-16
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid of my mortgage loan with PNC Mortgage on XXXX XXXX, 2015. I have contacted them XXXX times requesting the balance in my escrow account. They had taken out XXXX and XXXX pmi insurance and I told them they have to prorate XXXX and they said they would. To date I still have not received a check from them however, I received a letter of denial regarding the prorated amount for the pmi insurance. I contacted the company again today and no supervisor was available they said they would call me back. The correct amount owed to me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: PNC Bank N.A.
State: NV
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PNC Mortgage is not allowing a short sale to proceed because the XXXX buyer cancelled the purchase. A few days later a XXXX buyer submitted a complete package to PNC Mortgage, but PNC refused to delay the trustee 's sale to allow the 15-days needed to approve the new deal. This is a violation of Cal. Civ. Code section 2924.11 ( d ) because once the buyer and seller was approved for a short sale and proof of funds supplied PNC was required to file a notice of rescission of the trustee 's sale resulting in dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: SYNCHRONY FINANCIAL
State: AR
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 this creditor has violate my rights under the 15 US C 1681 section 602 states i have the right to privacy. 15 US C 1681section 604a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions only 15 US C 1666b creditor may not treat a payment on a credit card under an open consumer credit plan as late for any purpose.

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 2015-09-15
Company: PNC Bank N.A.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
From XXXX through XXXX 2015 I was enrolled in automatic payment with my mortgage lender, PNC. On XXXX/XXXX/15 I went on line with the intent to cancel auto pay. I thought I had successfully done so. I got an email from PNC confirming I had made changes. I thought my cancellation was processed. On XXXX XXXX I went on-line and paid my bill. XXXX mortgage payments came out of my checking. It then took begging and pleading to get the money back and additional begging and pleading to get it back electronically, as they wanted to snail mail it to my home address, and I was on vacation meaning it would be XXXX before I could have the funds to deposit and then I 'd need for my bank to clear them. The letter I received which I thought was confirmation of my cancellation was a non-specific notification of " a change ''. It turns out the draft date changed from the XXXX of the month to the XXXX. That is not what I thought I did but I had no way to know that because the letter was vague and I never got any notification of a new draft date or amount. I did not plan for or expect to have a double mortgage payment. Nor did I think it should take several phone calls and over 2 hours to fix. My initial call to PNC was on XXXX. Eventually they promised to wire the funds on XXXX and said they 'd be in my account by XXXX. Today is XXXX, still not there and now they say they did n't send it yet but will send it today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I and my wife experienced financial difficulties with paying our mortgage. The loan was interest only serviced by PNC Bank and owned by XXXX XXXX XXXX. Our home was placed into foreclosure and we hired a realtor to short sale our home. We hired XXXX XXXX XXXX, XXXX. to assist us with our mediation requests in Maryland and to process our short sale. We have a XXXX XXXX son we have lost all overtime. We attended XXXX mortgage mediation hearings over the last 7 months. At each hearing the representatives of PNC Bank would not review our home for short sale, but retention and told us that what the system does. We always filed out documents for short sale and we received short sale acknowledgements from PNC in XXXX 2015. PNC also conducted a detailed value analysis and their value came back at the same value our realtor listed our home for. The purchasers have waited 8 months to purchaser this home and they are now about to withdraw their offer. PNC refused to review our family for a short sale. All our Request for Modification documents stated short sale request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2022 I disputed this account for violating FCRA regulations TILA the credit XXXX/Bridgecrest is violating consumer laws by reporting and aid and abetting in furnishing this inaccurate report on my credit profile. 

I had no luck reaching out to the inforamtion on my credit profile for the number listed is not working. These violations are serious and harming my credit report by violating USC 1681 ( S ) ( 2 ) & ( 3 ) & Fair Debt Billing Act. 

I would like the formal and orginal instrument of indebtness and all loses on books to see where is the numbers from this account is coming from. I have been getting no reply from the creditor and XXXX reps are no not giving me any names numbers or anything. this company is rude and hols your personal information hostage when trying to correct them. 

If a creditor sales something or transfer the debt the balance and other factors should go into play and be corrected. THIS IS FRAUD ALL AROUND.

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 2016-01-17
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have submitted information to correct my employer 's information and as one can clearly see they list my work in XXXX instead ofXXXX Massachusetts. My second issue is that I use my middle initial and not my full middle name. My third issue is that I was denied an credit card through XXXX due to not having sufficient number of accounts. I also have accounts with XXXX and XXXX Gasoline which is not on the reports. XXXX of the bureaus does not list a previous paid up account at XXXX XXXX XXXX XXXX. It is frustrating dealing with and attempting to dispute and clearify the above issues. I am also attempting to determine when I requested a credit report from the bureaus. I prefer to have them sent to me and not through the internet as I then have a copy for reference, particularly if I do not have the luxury of a printer or there is an issue with obtaining the copy. Once the information is lost, it is lost. Also, have tried to find the credit reporting agency that submits the information to the bureaus with no luck. Please advise. Thank you for your understanding and assistance in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXXXXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of this year, due to a hardship financial situation that started XX/XX/XXXX, I applied for a loan modification with the intentions of lowering my mortgage payment and continue living in my home. PNC has not been able to help and instead they have caused emotional distress. 
Summary after my application denial from PNC. 
XX/XX/XXXX mortgage payment in person ( see receipt attached ) XXXX payment has not been applied, per PNCXX/XX/XXXX. mortgage payment in person ( see statement attached ) XXXX payment has not been applied, per PNCXXXXXXXX {$2100.00} payment for escrow shortage to PNC, ( funds came from a credit card cash advance ), to pay off PNC escrow account PNC had recently established against my will even though I was up to date paying my insurance and taxes. 
XXXX Received a letter from PNC claiming my mortgage is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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:
I took a road trip with my friend and we used a friends car that got broken into to and my purse got stolen along with all my personal information, There was a lot of fraud accounts that have been made and have been opened since my belongings have been stolen such as : XXXX XXXX credit card, XXXX XXXX credit card and XXXX  credit XXXX Credit Card. I also have 12 inquiries on my credit report that I did not authorize such as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX  B, and XXXX. My name is also spelled wrong on my credit report its spelled 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 non-monetary relief
Consumer complaint received 2022-06-03
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ally Bank is not responsive. On XX/XX/XXXX I received XXXX emails from Ally " we restricted your accounts because we detected suspisious activity on XX/XX/XXXX. You may not be able to log in or transfer money out of your accounts. '' I was on vacation but did call Ally on XX/XX/XXXX and they told me it was their error and there was no suspicious activity. I asked if they were sure? They said " yes '' I verified balances. At this time all the money was there. I checked on XX/XX/XXXX and my balance was fine. I checked on XXXXand {$91000.00} was missing from my savings account! I told Ally I did not authorize this transfer. They said they called me twice, but I never received the call. The phone number they had was not mine! I opened a case XXXX. I can not speak to the fraud dept., the customer servics reps. have no information. Ally negiligently release my money in a wire transfer to XXXX XXXX, never notified me or verified it was me. I am still missing the money with no response or help from Ally.

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 2022-06-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries 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 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation

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 2022-10-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DE
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 have two accounts reporting on my credit report that are from third party collection agencies that I never consented to have my personal information. As well I found that these agencies are not legally licensed to do business in the state of Delaware and they harassed me into paying them money. I have reached out to them several times after I was made aware of my rights but they refuse to delete my information from their systems. Under section 15 U.S.C. 1681c-2 I believe this is identify theft and I would like this information removed from my credit reports. 

I sent out letters stating my claim and requested for the removal of my information from their systems and to stop reporting my confidential as I did not give them consent with no response or action. Most recent I sent out letter via certified mail to with no response.

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 2022-06-03
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I received a letter from XXXX welcoming me to their XXXX XXXX XXXX XXXX credit card. BUT, I never applied for this credit card. 

The letter did not include a card, but it it told me to call and activate the card. I called their customer service telephone number on XX/XX/2022 and informed them that I did not apply for the XXXX credit card and that I wanted to report fraud. I spoke with XXXX and she informed me that she would designate the credit card account as fraud.

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 2021-01-03
Company: EQUIFAX, INC.
State: VA
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 have some fraudulent inquiries on my credit : XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX-XXXX XXXX XXXX I have reached out to Equifax 4 times with zero resolution! 

My name is XXXX XXXX and I am demnading these inquires to be reomved from my credit pursuant to 605B. I have wasted 4 months trying to remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
ALLIANCEONE RECEIVABLESis a creditor that 's on my credit for the amount of {$800.00} by the Court of XXXX XXXX. This amount was added to my account after I had already completed doing the payments on XX/XX/2015. I have reached to ALLIANCEONE RECEIVABLES and the XXXX XXXX Court house and both have communicated that the {$800.00} should have never been put into my credit and its an error. According to both ALLIANCEONE RECEIVABLES and the XXXX XXXX court house they do n't have the power to remove anything from the credit reports. They have filed and updated the credit Bureau since it was placed on my credit but it still has n't been removed. Please contact me to remove and fix this error. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had XXXX credit card with XXXX XXXX XXXX which was opened in XX/XX/XXXX, and an auto title loan which was opened in XX/XX/XXXX. The auto loan was paid in full. The credit card was included in bankruptcy in XXXX, but all payments were made on time until XXXX XXXX when I lost my job. TransUnion has the XXXX auto loan listed as a credit card opened in XX/XX/XXXX, and has deleted the actual credit card information. XXXX has the XXXX auto loan listed correctly, but states that the credit card was opened in XX/XX/XXXX. This has created a XXXX point discrepancy on the credit reports. I have disputed the information via XXXX XXXX at least twice, but the information is incorrect, and does not even match. I phoned XXXX XXXX XXXX, XXXX, in an attempt to rectify this. XXXX 's representative told me that their computer system lists the credit card as being opened in XX/XX/XXXX, as older records have been archived. I was told by the XXXX representative that they will research it if disputed again. I just want the information to be reported correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, 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

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 2015-05-06
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
I subscribe to overdraft protection from PNC Bank, but even with this they charge a {$5.00} fee if it is used. On XXXX/XXXX/15, in the evening, I noticed that a few purchases I made ( but did n't post yet ) placed me at - {$46.00}. Knowing of the {$5.00} fee that is assessed, I transferred all {$300.00} from my savings to my checking Sunday night. Apparently, later that evening or Monday morning the overdraft protection transferred {$46.00} to checking. But, since that money was already transferred - by me - my savings reflected a - {$46.00} balance. 
I did n't realize this until today when I also noticed, for the last XXXX days ( and it would have continued had I not transferred money ) that PNC was charding me {$7.00} a day ( my balance in savings as of this morning was - {$60.00}. 
How can they charge me for a situation they created? Why would their system allow a transfer from an account that had {$0.00}. I feel it is unfair and a complete money grab.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12
Company: Collection Information Bureau, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I called CIB credit collections for the doctors business bureau. I got hung up on the first 3 calls by a XXXX XXXX. I finally found a different number online to call. I was told by XXXX there was no supervisor available, then when I called another number I got a supervisor who kept asking if I had the call on speakerphone letting me know that she wanted to not be on speakerphone. I advised her that if she had something to say she could say it no matter what the phone was on. She seemed irritated and did n't like that. She stated they had been mailing requests for payment to an address I have n't had for years. This is on my credit, and I have n't even received proof of debt. I also refused to give my card number over the telephone due to not being sure it 's even a legitimate business. She did n't have anything to verify their legitimacy other than " well we are on your credit report ''. I now owe {$28.00} to a company that I ca n't reach 4 out of 5 times and I ca n't get verification is even legitimate. I feel like this is deceitful and fruadulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On Thursday, XXXX XXXX, 2016, for unexplained and unnecessary reasons, an employee, XXXX, placed my online banking access on hold. I had just visited the branch on Saturday, XXXX XXXX, presented my ID, received a new debit card, made a cash deposit, and received starter checks. 
When I called into online banking on XXXX XXXX, I was told to go to a branch to prove my identity yet again, and I would regain my access. When I got there, the representatives were unsure why I did n't have access, but I was told I would receive a call later confirming my access was restored - I did not. I called into online banking again on XXXX XXXX, asked for manager and again was told I would receive a call back and did not. I went back to the branch XXXX XXXX and again the representatives were unsure why I did n't have access, again I was told I would receive a call later confirming my access was restored - and again I did not. When I called into online banking later that day, I was told, snottily, to be patient. It is now been an entire week since the access was revoked ( to a VIRTUAL account ), without reason, and apparently the only person in the entire bank who knows how to get the hold removed is XXXX, and no one is interested in helping to resolve the situation. I just opened this account three weeks, already hugely regretting it.

Company response to consumer: Closed with explanation