BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-09
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I am writing this in regards to my loan application that was declined by PNC bank. They already gave me the {$81000.00} in 2006. In XXXX i submitted an application to convert the load from a HELOC to a XXXX mort. as they had contacted me telling me the loan was coming due and needed to be renegotiated., so i complied and submitted all my information. 
When i initially applied i wanted to be sure they knew what had happened on my first mortgage, that i had been contacted by XXXX and they had offered to modifty my loan by {$120000.00}. In the decline note from XXXX XXXX she stated " that i had a modification on the HELOC which is incorrect ''. I was startled and amazed to the point that when XXXX offered the modification that i sent the documents to my attorney to review to be sure this was not a scam. She told me to sign and return them immediately and that they were one of the banks that had their hand slapped and " lucky me '' I was one of the lucky ones to benefit. It does not feel as much like a benefit now. 
I am a XXXX old, single woman, and I want to retire but i need this in place so i may but now that PNC has declined my app due to the modification I will be in a very difficult position. 

Why would a bank that has already given me the money 10 yrs ago turn me down now, my credit score is XXXX, i am making double payments to them and have not had a late payment in many years anywhere. 
I need help, how can i get a loan for XXXX when the bank that already gave me the money turns me down. Why would a modification that i did not apply for affect my situation? 
Please help me any way you are able. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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 had a loan with XXXX XXXX that is reporting negatively on my credit report and it is the fault of the bank and not me so therefore it should be removed from my credit report. The problem here is that, I had went to the bank and told them that I had to have a XXXX XXXX XXXX XXXX XXXX and I would be hospitalized for sometime so they told me to write them a letter and they would put the payments on hold until I could resume the payments. The bank never did what the had promised to do and went on to report the missed payments on my credit report, although I had given them the name of the loan officer ( XXXX XXXX ) who had advised me of the process that I must follow. After trying many times to get the bank manager, Mr XXXX XXXX to update the account to what it should be, I am now asking the credit report agencies to delete this derogatory item from my credit report. The bank manager, the XXXX, XXXX XXXX has refused to honor the banks agreement and told me via telephone conversation that if he fixed it, he would be reporting false information and would be in violation of the fair credit reporting act. So, it is very clear that this XXXX XXXX bank manager has no problem XXXX  up a customer credit, even though they were sick and helpless.

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 2016-05-17
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was aware of an overdraft that I did and was charged {$36.00}, not once but 3 times, when I called the bank they said I had bounced XXXX charges, XXXX of them was after I made a deposit and was credited {$100.00} to my account until the check cleared ( 24 hours ). I had brought my account to a positive balance. After looking on my online bank statement there is no documentation showing I was ever in the negative. They just apologize, said there is nothing they can do. End of story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
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:
On XX/XX/2020, my Experian score dropped 22 point for no reason, I made no new inquiries, my spending habits are the same and nothing has changed in my report only my score. This is unacceptable and builds a sense of distrust for this system, is it designed for individuals to fail no matter how hard they try to have a decent and meaningful life? Please help me understand what is going on. Thank you.

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 2022-10-10
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In regards to a complaint with Ally Financial and the case being closed because the replied is at it seems. The first complaint was never responded with proof by mail or thru the CFPB. A request for accounting per GAAP regulations, which a consumer is completely entitled to. Ally representative sent a copy of a document which does not qualify as accounting is not proper verification. Upon looking and reading over the Contract, Ally Financials name was not placed anywhere on the document. Also while looking at the document there was no reference to Ally Financial placing a signature on this document. In the response all of the documents were not attached, missing was the Recission of signature document, all of the instruments that were sent to to Ally a the responses stating they do not accept payment in that form. 
Attached is a file claiming the account shows a Charge Off status. This has been done without any authentic real proof of claim. Four notarized Authentic documents sent to Ally by Consumer with no valid response. It is difficult to do any transaction or contract when there are two completely different entities involved. Ally Financial being a legal entitiy, a corporation in a different juristiction registered with government agencies. and other corporate entities. This being a natural person, physical person, with proof of being born in a juristiction not like the corporation.

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 2015-07-20
Company: PNC Bank N.A.
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC Bank Mortgage is reporting " serious delinquency '' due missing XXXX 2013 payment for XXXX mortgage ( XXXX ) & XXXX mortgage ( XXXX ). 
Payments were made with late fees on XXXX/XXXX/13 XXXX {$2400.00} & XXXX XXXX, but being reported as XXXX payments. XXXX payments never sent because the accounts were settled less than full balance and closed XXXX XXXX, 2013. 
Should not be reporting " serious delinquency '' when all payments made through XXXX 2013 and account settled in XXXX XXXX, 2013, so XXXX payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hello- I am receiving debt collections call from an account that Citizen 's Bank closed. I had NEVER previously used the account. But monthly fees accrued and then the account was closed and sent to a debt collection agency for {$73.00}. This negative balance or amount owed I'm assuming was for monthly fees on the account. Because I have NEVER used the account. I would appreciate if Citizens Bank would not report credit negative comments and send my information to a debt collector who I now feel like is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had my home inspected XX/XX/XXXX and everything was fine. I signed up with XXXX XXXX XXXX firm in order to manage my property at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, from XX/XX/XXXX - XX/XX/XXXX. The firm found a renter for my property beginning XX/XX/XXXX. From XX/XX/XXXX - XX/XX/XXXX the tenant racked up approximately {$4000.00} in maintenance repairs. I continually complained to XXXX XXXX and after speaking with the broker he decided to terminate our relationship because I informed him that I may have to contact the State Attorney General 's Office. Several things were not done, and the broker stated that I should be happy to have them take care of my home even though I paid XXXX money to complete repairs before the renter 's moved in. In addition, it was against the contract for renters to work on anything in my property. I was unable to switch to a new management firm until the sewer line was replaced. XXXX quoted me a total of {$4200.00} and I used the same contractor but was charged {$3400.00}. Currently, I have XXXX 's quote and my quote from the plumbing company in writing. I fixed the line after leaving XXXX XXXX XXXX and began working with XXXX XXXX. XXXX did not contact me regarding any bills from that point forward. XXXX XXXX billing office released all funds ( Security Deposits ) to the new management firm, so why did they place a statement on my credit report stating that I did not pay something. I do not disburse funds, they do! XXXX has my address because I do not live in XXXX, GA, and every billing statement has my P.O. Box address on it. XXXX XXXX can not use the excuse that they sent the bill to the renter 's address when they know I do not live at this address. I want this negative charge off removed from my credit report. The home is co-owned and another letter will be submitted for my mother XXXX XXXX regarding her credit report and the negative statement that XXXX has wrongly placed on our reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXXXXXX # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, company reported debt that was paid.

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 2020-11-15
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

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 2020-08-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. All proper documentation was submitted on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AD Astra is a ttempting to collect a debt on behalf of  XXXX   XXXX . I did not receive a right to dispute the alleged debt . I sent Ad Astra a  validation of debt letter and they sent me a bill as validation of debt. I sent them another letter on  XXXX / XXXX /   2017  asking them to validate the debt as a bill is not validation. I also asked them to send me a copy of the agreement between the company and myself where I stated I agree to pay the alleged debt. The company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have obtained the following unauthorized/fraud from my recently pulled credit report. Some of these inquiries remained after being disputed and should have been removed. Please see the following attachment with this complaint.

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 2022-03-17
Company: Experian Information Solutions 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:
I disputed a incorrect listing on my credit electronically on the Experian web site, of which I am a paying member. 
The dispute was finished within 2 hours.

Nothing changed but Experian lowered my FICO score by XXXX points just for filing the dispute. 
This is vindictive and against all Fair Credit Reporting laws.

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 2022-03-17
Company: EQUIFAX, INC.
State: NV
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 informed the credit reporting agencies there has been identity fraud done against me. It is against the law to report any fraudulent information towards my credit report. The law states all information reported should be accurate. This affecting my life and me providing for my children, this has dropped my credit XXXX points. I have no dealings with XXXX XXXX XXXX XXXX XXXX there are other items that are on my credit report that are reporting fraudulently. I demand immediate removal, as I'm prepared to file a lawsuit if nothing is done about this immediately. 

Following account was fraudulently opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened date : XXXX XXXX account type : collection original balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 informed the credit reporting agencies there has been identity fraud done against me. It is against the law to report any fraudulent information towards my credit report. The law states all information reported should be accurate. This affecting my life and me providing for my children, this has dropped my credit XXXX points. I have no dealings with XXXX XXXX XXXX XXXX XXXX there are other items that are on my credit report that are reporting fraudulently. I demand immediate removal, as I'm prepared to file a lawsuit if nothing is done about this immediately. 

Following account was fraudulently opened : XXXX XXXX XXXX XXXX accnt num- XXXX opened date : XXXX XXXX account type : collection original balance : 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 2016-12-23
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
I have a hard hit inquiry on my credit reports from BARCLAYS BANK DELAWARE. I do n't recall completing a form or request for credit from this institution.

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 2016-06-03
Company: STONEGATE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Stonegate Mortgage has paid invoices submitted to them regarding my account without consulting me. Consequently, they have paid XXXX insurance agencies that are not my provider for an amount over XXXX. 
I wish to formally have the following happen : I am formally Disputing the invoices that lead to withdraws to my account Have Formal Investigation into all withdraws from my account I did not authorize any withdraws from my escrow receive all documents regarding withdraws from my escrow Refund all funds back into my escrow Correct my credit score from XXXX/XXXX/16 Refund XXXX extra charge given on XXXX/XXXX/16 I can be reached at XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
A charge of $ XXXX was placed on my XXXX XXXX XXXX The charge was at XXXX XXXX XXXX using a XXXX XXXX = XXXX CARD!! This is impossible as I NEVER use the XXXX Card and never carry it AND I have a XXXX 's Club card! In my query to XXXX, they refused to send me ANY docs substantiating WHAT was charged. I refused to pay and they eventually turned the charge over to XXXX XXXX. XXXX XXXX called to collect and I informed them I would be happy to pay IF... IF they would show me the actual transaction, which they refused. XXXX XXXX then reported it to Equifax and Equifax deducted XXXX points from my credit of XXXX to XXXX. I challenged the report to Equifax AND XXXX ; Equifax reported they had " INVESTIGATED '' and found XXXX XXXX 's report substantial, NEVER addressing MY request for ANY documents attesting to the charge. I should have paid the THIEVES!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now

Company response to consumer: Closed with explanation