BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle through XXXX and paid over {$12000.00} for a vehicle from XX/XX/XXXX-XX/XX/XXXX. XXXX sold the loan to Portfolio Recovery with a {$9000.00} balance attached. Chapter XXXX was filed while account was with XXXX, Portfolio Recovery ( PRA Receivables Management LLC ) did not alert the courts in a proper manner and repossessed my vehicle XX/XX/XXXX. Portfolio Recovery refused to update the account with the proof of payments I made and when they repossessed the vehicle, they took my valuables and have refused to return them to me nor answer the phone. This company along with XXXX has taken my money, valuables, and a car I paid for. The manner in which I have been treated by both companies is unethical and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A credit card debt I had went to collections XX/XX/XXXX and the amount of {$3400.00}. I never received notification of the original court date. This judgment never showed up on my credit report and I have finance automobiles applied and received more credit cards. 
On XX/XX/XXXX the balance is {$8800.00}. Midland funding LLC turn the account over to a law firm in XXXX Florida XXXX, XXXX, XXXX XXXX. 
In XX/XX/XXXX I received my paycheck and it was {$420.00} short and my pay stub said debt reduction. I contacted my employer state of Florida and was informed that they were served with papers for garnishment. 
The state had to file back and is deducting my wages {$420.00} every 2 weeks. I had no notification I would be garnished or that Midland funding LLC would pursue this after 14 years. 
I'm XXXX woman single income and can not think about retirement because of this debt. 
{$900.00} taking out of anyone 's check monthly is catastrophic. 
I contacted the state of Florida and they were unable to give me any legal advice, I did contact the law firm XXXX XXXX and XXXX who told me there was nothing they could or would do. 
I explained the devastating hardship and I feel that this has been deceptive practice and taking advantage of a senior citizen. 
The case number filed in XXXX county Florida court is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other fee

Complaint:
The credit card is offered to pay for medical or dental expenses and no interest is charged if the balance is paid off within one year. My complaint is that I enrolled in paper less statements and there was insufficient notice that the deferred interest would be charged if account was not paid by XXXX, 2014. However I could not access the account to obtain information as to the start date of the charge so I could be prepared to pay the balance. This has resulted in interest charges of {$750.00} +/- and the original advance was {$2000.00} +/- ( I can not access the history of this account so I can provide dates, etc. ) The deferred interest far outweighs the benefit of the advance. Previous advance was paid in full because I knew the date of the payoff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04
Company: ORG GC GP Buyer, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a debt collector calling my number over and over for someone I do n't know. There is never a person and always a recording giving me the debtors name and address. How is this a legal tactic? The company is GC services and their number is XXXX. Can something be done to punish this company, or are they acting within the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: BB&T CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I am writing to express my dissatisfaction with the service provided by BB & T during the course of my application for and obtainment of a mortgage loan for my first home purchase. Specifically, I am making this complaint regarding the actions of XXXX XXXX, XXXX XXXX, and XXXX XXXX, all of whom worked on my loan application at various points. 

Please see attached a complete timeline of events that occurred between my initial inquiry on XXXX XXXX, 2015 and completion of the lending process on XXXX XXXX, 2015 - as well as my request for remedy based on the repeated errors and failures of BB & T.

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 2021-07-29
Company: Southern Management Systems Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called their office today and the receptionist refused to transfer my call to a collector. I am just trying to get an itemized statement so I can pay this account. Please do not contact me via phone, I JUST NEED AN ITEMIZED STATEMENT MAILED TO MY ADDRESS PROVIDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Chime Financial Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On this past Monday ( XX/XX/XXXX ) I applied for a bank account and a credit card with Chime. They denied me both and will not tell me why in violation of The Fair Credit Reporting Act. I more than meet their requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 2016-05-07
Company: PNC Bank N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC is a bank that uses predatory, misleading, and bait-and-switch tactics to trap customers. I was convinced by a PNC bank representative to open up a checking account with them. He told me that I 'd even get a {$400.00} bonus credit if I receive direct deposits onto that account totaling {$5000.00} or more. I direct deposited over {$5000.00} as dictated by the terms. No bonus credit was ever received. 

As if that was n't frustrating enough, the bank will not let me close my account without charging me a series of ridiculous fees. This bank is extremely predatory, lies to its customers, and traps their money. Even leaving my account open, they have found excuses to charge me various " service charges. '' I have, several times, attempted to contact PNC Bank, only for their representatives to hang up on me spontaneously without addressing my problem at all. This bank will absolutely attempt every tactic to frustrate its customers into being complacent with having their money stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: IL
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 dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible. 

XXXX XXXX DATE OF INQUIRYXXXX XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX  DATE OF INQUIRY XXXX, XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXXXXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX XXXX PRE DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX-DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: GreenSky, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A GreenSky rep called me on XX/XX/2020 XXXX XXXX ) to ask if I had opened a credit with them for a XXXX  office. I said no, I have no idea who either the company or the XXXX  office is. She verified my name and address but when she wanted to verify my SS #, I said no. I was told that the XXXX XXXX name was XXXX XXXX XXXX in XXXX, CA. This woman also told me that they would send me a letter regarding the fraud. I also called the XXXX  office ( XXXX ) and we mutually verified that it was a fraud as we didn't know each other. I called back the number in XXXX and could not get through. Today I received a bill for {$20000.00} from GreenSky. They had a number on the face of the bill ( XXXX ). I called them three times today, XX/XX/2020 ; they started to give me general information but when I attempted to get information on this specific bill, the line started to be scrambled and they hung up on me every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TFS FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied to Third Federalfor a mortgage refinance and HELOC in XXXX and they were approved but I haven't been able to close yet. Apparently Third Federal says they sent 3 requests to XXXX XXXX for  payoff amounts but XXXX XXXX  says they haven't received any payoff requests. So I applied in XX/XX/2019 and was approved but 4 months later no closing. The last email I received from my loan officer stated she would get her management team involved ( with grammar errors ). She said she thought that the title company should have contacted me even though in previous emails she said the problem was we don't have payoff amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: TX
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 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 response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Alliance One, Inc.
State: TX
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:
I changed electricity providers, I notified XXXX XXXX and they charged me for the same time period I paid XXXX. I sent my bill from XXXX to them and they turned it over to a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions 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 applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter as well as filed a complaint with the Consumer Financial Protection Bureau.

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 2020-03-30
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 applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter as well as filed a complaint with the Consumer Financial Protection Bureau.

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 2021-10-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have noticed multiple accounts on my report I do not recognize two time each XXXX XXXX  XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
During the billing cycle of XXXX XXXX to XXXX XXXX, XXXX, {$20.00} was taken out of my checking account. I had opened a checking and savings account in XXXX XXXX. I had a promotional interest rate on my account for six months. Due to incorrect interest rates, I left {$10000.00} in my savings account which was advised by the PNC representative as the matters was being resolved. The following month, the {$20.00} was taken out of my checking account as a charge with no explanation. No following charges were taken out. The account savings was the same type and the balance had not changed. A PNC representative stated the {$20.00} was a fee. However, the balance in XXXX accounts remained the same. We stated this and in XXXX XXXX, a PNC representative informed us the {$20.00} refund would take XXXX10 days. However we did not see it and when we called, they stated it would take 45 days. 
On XXXX XXXX, my sister and I went to PNC directly and asked for another service request to be submitted and this time we got a copy. The representative stated that the last service request was granted but the checking account was closed so PNC had no account to deposit the {$20.00} to. My savings account is still open and I asked for the money to be deposited there to which the PNC representative stated that is impossible because the money needs to be deposited into the original account. Seeing my displeasure, the representative submitted another service request, which I got a copy of. 
On XXXX XXXX, I followed up on the service request. The PNC representative stated that no money could be refunded, again stating that the checking account should have never been closed if there was money to be refunded. The situation had escalated to XXXX levels ( the manager and branch manager ) in the bank, and nothing could be done. 
The acknowledgement of taking out my {$20.00} and not giving it back because the checking account is closed does not make sense to me. The {$20.00} was originally in the checking account ; however, my savings account is open and I was informed that it would not matter if I closed the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Still trouble with pnc they still owe me the XXXX promotional deposit which they wo n't do now they 've charged me over XXXX dollars in over draft fees did it again today four more times never rejecting the charges kept accepting and returning. I explained why I could n't get money in my account due to hospital and I 'm out nearly XXXX XXXX which is my mortgage payment I want that money returned it 's excessive

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Everest Receivable Services Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This creditor is harrasing me at work. They are calling my children repeatedly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent in a letter on XX/XX/XXXX due to the fact there was inaccurate and unverified information on my report. I have googled the FCRA and it states that the company reporting my information has to report accurate information. These erroneous errors reporting on my credit report is hindering me from getting a job. These errors are blatant mistake and should be corrected asap. Your company is violating my rights and want these issures fix now. It has been way over 30 days thats I have disputed. Today mark 60 days and the law states these items need to be deleted. I never gave permission to report inaccurate information on 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 2021-07-29
Company: CORELOGIC 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:
- XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. 
I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- Corelogic Credco pulled my credit on XX/XX/XXXX & XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

-XXXX XXXX/XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received 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