BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 a withdrawal in the amount of {$2500.00} was deducted from my PNC Savings account. The incident happened with the drive-thru teller. The money was disbursed without verifying or confirming if the person was the account holder. Then on XX/XX/2022 and on XX/XX/2022 XXXX more withdrawals were made from my PNC Savings account for {$1000.00} on each of the above mentioned dates which totaled {$2000.00}. Again it was done with the drive thru teller and once again no verification was performed. I found out about these XXXX withdrawals from my savings on XX/XX/2022. I informed PNC and they initiated a dispute in which I needed to sign XXXX affidavits for these incidents. These affidavits were submitted on XX/XX/2022. A week later my account was reimbursed for {$4500.00}. 

Then on XX/XX/2022 a check from XXXX under my daughters name was provided to the teller to be cashed for {$800.00} and the money once again was provided without verification. Another dispute was submitted with another affidavit and upon further investigation PNC determined that the check wasn't valid and was fraudulently done with my daughters information. Upon review of surveillance the vehicle was a XXXX truck and did not fit the descriptions of our vehicles. Upon PNC confirming it was not me or my daughter, once again I was reimbursed for the {$800.00} a week later and the dispute was closed. 

Additionally, on XX/XX/2022 a check from XXXX Bank was provided to the teller to be cashed for {$2000.00}. Once again, for the XXXX time, the transaction was not verified and {$2000.00} was provided without verification. Another dispute was submitted with another affidavit done by PNC bank, and as of today Friday XX/XX/2022 I have not received my reimbursement of {$2000.00}. 

I am requesting for these incidents to be documented with the FTC and Federal Reserve simply because they are not keeping my accounts safe. I have been a loyal customer for 40 years when the bank XXXX XXXX texas XXXX bank, then merged with XXXX compass, and then with PNC. I am extremely upset with the lack of security PNC has shown for me. How is it possible that they didn't learn their lesson from the first oversight that happened on XX/XX/XXXX? They refused to keep my money safe XXXX times and allowed these withdrawals totaling over {$7000.00} within a matter of 3 four months. This is unacceptable, and I will not be a victim once again because of their laziness and refusal to take care of a loyal customer. I want answers and results regarding their careless behavior and I want my {$2000.00} back in my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: GreenSky, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a home improvement loan from Greensky XXXX ( hereinforth referred to as " Greensky '' ) in XXXX or XX/XX/2022 ( I do not recall the exact date ). A hard inquiry from Greensky appeared on my consumer credit report. However, I received a letter shortly thereafter that stated that my application was denied because " my information could not be verified ''. 

I found this reason to be too vague and likely erroneous. Therefore, I decided to send a letter to Greensky on XX/XX/2022 to request clarification and to request that they move forward with the application. I enclosed a copy of my Texas Driver License and the letter from Greensky for reference. 

Unfortunately, I did not receive a response from Greensky. I re-sent the letter about a month later. I still did not receive a response. So far, Greensky has been completely unresponsive. I find this to be highly unethical. Greensky should not have initiated a hard credit inquiry if they had no intention of processing my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was released from a lease which had three lessee 's and tried to settle but the lease holder XXXX XXXX XXXX XXXX in  XXXX Florida would not accept my portion of the lease, due to another lessee being delinquent. They refuse my check several times, and then agreed to write me off the lease. They later sent turned over the collection to Hunter Warfiield XXXX XXXX XXXX XXXX XXXX FL, XXXX. My account number is XXXX they have a claim for XXXX. I again contacted them to settle, they refused to settle. I would like to settle, but they released me from the lease only to notify I owned XXXX. I do not owe this amount. I supplied documents they signed releasing me form the lease after they refused to accept my payments.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX at XXXX sent an eviction email to all residents during covid who were not able to pay their rent. The eviction date was XXXX XX/XX/2020, I moved out XXXX XX/XX/2020. The attached letter from Columbia Debt Recovery LLC, DBA Genesis, charges me for rent in XXXX, XXXX, XXXX, and XXXX, even though I had moved out. It also looks like they charge me for rent in XXXX, XXXX, and XXXX, but those months were paid. I have asked numerous times for XXXX ) proof of nonpayment and XXXX ) explanation of the amount due, but have not received any information. Every time I call to speak to someone, the person I spoke to before is never available, and I have to explain everything all over again. I just want an explanation of the debt but they keep avoiding answering my questions. 

XXXX sent to credit bureaus disputing the amount and requesting debt validation. 

XXXX received from company, does not validate debt, only lists amounts with no specifics. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis XXXX and spoke to XXXX XXXX XXXX informed her the information on the debt validation letter was wrong. I moved out of the property XXXX XX/XX/XXXX, per the eviction email sent to all residents. XXXX was not aware of the eviction email, I sent her a copy, but she never replied. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis XXXX and spoke to XXXX XXXX XXXX XXXX him I never received a response from XXXX. I again requested debt validation ; he said it takes 15 days. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis , spoke to Sam, he said XXXX and XXXX were not available. I asked for a follow-up to my debt validation request, he said they already sent it to me. I informed him the information was incorrect, and I requested a breakdown of the amounts. He said their office requested the information from XXXX at XXXX, and it can take up to 30 days, but could not tell me when the 30 days started. I mentioned it had been more then 30 days since I spoke to XXXX and asked him for the exact date of that request. He said he could not provide that date because I am not their only case, and to I am not their only case, and to call back later. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis , spoke to XXXX, she said XXXX and XXXX were no longer managing my case, and XXXX was as of today. I informed here the information provided was incorrect and requested a breakdown of the amounts. She said they requested that information in XXXX but could not give an exact date. I said I will call back in the beginning of XXXX, that would be more than 30 days after speaking with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
hi I'm just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over XXXX months, I thought I would get a response from your company after XXXX to XXXX days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The monthly statement on my Venmo credit card ended on XX/XX/XXXX and cash back rewards were supposed to be sent to my account within 3 business days. I learned that my account was closed by Venmo on XX/XX/XXXX and cash back was forfeited. Since I did not close the account I don't think it's fair for me to forfeit my cash back.

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 2022-07-16
Company: Experian Information Solutions Inc.
State: GA
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:
Okay so I have disputed this account on several occasions for reporting inaccurate information on my credit report. The account status is showing account not disputed which is inaccurate information. I tackled this account so many times and nothing has been resolved. 

I want to seek damages for financial injury for inaccurate reporting according to 15 usc 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation or this account deleted from my credit profile : 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 2022-02-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This company has been furnishing deceptive and incorrect address, that are being advertised. On XX/XX/2022 I sent a letter to the company, and it was sent back to me saying the address was incorrect when they clearly advertise this address on their website and 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 2021-04-14
Company: Prosper Marketplace, Inc.
State: AL
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 any 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 explanation
Consumer complaint received 2022-07-16
Company: CITIBANK, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am from XXXX. am XXXX XXXX XXXX. was about to start new business on XXXX. I had to buy goods. So I contacted this distributor. I contacted him and I ordered 150 pieces from him. They told me to transfer the money to my bank account. I'll have your goods Shaped to XXXX XXXX. I was very happy That this work is very easy. That's why I transferred the money to his bank account on XX/XX/XXXX. I contacted the distributor. That you have received the money, please shape my goods XXXX warehouse now. The distributor said I will contact you in an hour. But after an hour the distributor did not contact me. And blocked me, then I tried to connect with another XXXX distributor. But when he found out, he blocked me from there too. Then I tried to connect with him from my friend 's XXXX, but he still blocked me. I also e-mailed them and they blocked me. Now they have blocked me from all sides. They cheated me or ran away with my 500 . I now know that it was fake a distributor. They have created a fake website. And make people stupid. Takes payment from people. And then block them.I can't even take any legal action against this distributor as I am out of US. Please recover my payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
SPOKE WITH A MANGER TODAY AT NAVY FEDERAL CREDIT UNION AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY NAVY FEDERAL CREDIT CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT NFCU SAYS I HAVE ONE. WHICH IS INCORRECT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed a fraudulent charge on my account for {$30.00} from XXXX XXXX XXXX. I notified Barclays via mail that the charge was fraudulent. Barclays refused to remove the charge. I then noticed another charge for {$30.00} from XXXX XXXX XXXX. I notified Barclays again via mail, and requested the account be closed. Barclays closed the account but refused to remove the fraudulent charge. 

Due to a XXXX I do not communicate effectively via phone. I have requested that Barclays contact me via mail, or email, only regarding this matter. However, Barclays has not responded to this accommodation request.

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 2022-07-16
Company: Experian Information Solutions Inc.
State: MO
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:
Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. Again, it appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. There are still remaining items on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. Here is the list of items that not belong to me : XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, MO 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 2022-07-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022, I sent XXXX via PayPal to XXXX XXXX for tickets to a XXXX game. They insisted to send it as PayPal Family and Friends, and they would send tickets right away. As soon as the money was sent, they blocked us on XXXX and didn't send any tickets. Within the hour, the same day, I sent a report to XXXX, and asked XXXX XXXX for the money back. PayPal declined my request even though the funds have not left my back account yet. My bank says I have to wait to until the funds leave my account before they can investigate. PayPal says XXXX will have my money by XX/XX/XXXX, they should stop the transaction. 


XXXX XXXX - XXXX XX/XX/XXXX, XXXX Sent - {$94.00} Your recipient should have the money by XX/XX/2022. 

Repeat this transaction Paid with ( XXXX XXXX XXXX XXXX XXXX ) {$94.00} Transaction ID XXXX Contact info Message XXXX XXXX Note Tickets XXXXXXXX XXXX XXXX Sent to XXXX XXXX  {$90.00} Fee {$4.00} Total

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Original Creditor : XXXX XXXX Bank Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with XXXX XXXX. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section XXXX15 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX XXXX that the debt is the result of identity theft. 

I Never opened a credit card with XXXX  XXXX, and never will. My personal information was used to obtain credit in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter. 

Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft. 

Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies.

Thank you for your cooperation. 

Sincerely, XXXX XXXX Enclosures : I have attached to following documents FCRA 615 ( g ) ( 2 ) FCRA 605B FTC Notice to Furnishers of Information Identity theft Report Identity Theft Letter to debt collector Police Report ( Pending Deputy Signature )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan was transferred from XXXX University to " Heartland ECSI '' I received one letter from them that stated that my account was past due. I can not log-on online because I never set up a log-in, and have no information. When I try to call them, I wait on hold for more than an hour and never get through. 

I have used their call-back system as well, which has also not worked. I have no means to access their systems or their agents to submit a payment. They are concurrently threatening to send my account to collections and flag it as delinquent if I do n't pay. 

In summary, there is no means to remit payment to ECSI, however they are threatening action that would impact my XXXX XXXX.

Company response to consumer: Closed with explanation