BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-06
Company: PNC Bank N.A.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I am contacting you to file a complaint concerning a new car loan I applied for recently. I am XXXX years old and I have been a customer of PNC bank for more than XXXX years. I have over {$25000.00}. in CD 's with PNC. When I applied for a new car loan for {$10000.00}. I was denied the loan because I do not have any credit history. I never had a credit card and always paid cash except for XXXX time XXXX years ago I applied for a new car loan with the same PNC bank in XXXX and they approved it no problem but this time I was denied. I have more than enough money on deposit with their bank as collateral for the loan but they still denied it. They said it is PNC 's policy not to give loans out to anyone who does not have a credit history. I went to another bank and applied for a loan and they said as long as I deposited the {$25000.00} CD with there bank they would write me a check for {$10000.00} on the spot regardless if I had any credit history. I feel PNC 's policy of arbitrarily denying a loan to anyone who does not have a credit history is discriminatory and possibly illegal. I had more than enough money on deposit to cover the cost of the loan if I defaulted on a payment. There is NO WAY PNC could loose money on the deal. I also feel my AGE may have had something to do with it. I believe this because my son ( XXXX ) applied for a loan with PNC a few days later and told them he had a {$25000.00} CD on deposit and wanted to borrow {$10000.00} for a new car. He told them he had NO CREDIT history. They told him that he could get the loan no problem. Please look into this matter and contact me if you need any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: IA
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:
Earlier this year I made the decision to take a look in my report. later in XX/XX/ 2022 I asked Experian to send me a copy of the investigation by mail, and a copy of the verification method Experian have used, in a way that is easy for me to understand. Because to my knowledge those alleged account should not be on my consumer report. Experian never honor my request. But instead Experian gave me the whole run-around and I never got any resolution. Ultimately failing to comply under the FCRA regulation. In general, the law state that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or deleted within 30 days. However, a consumer reporting agency may continue to report information it has verified accurate. Well since Experian claimed that the information as accurate. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand under my rights that an investigation letter be mailed to me from Experian. Or simply comply with the FCRA regulation by deleting unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27
Company: PNC Bank N.A.
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
PNC Bank mistakenly withdrew over XXXX from my account on a check that was not mine, nor did it have my account number on the check. I am closing on a house and moving today. I called the bank several times this morning and was told the money can not go back into my account for 24 hours. Well this is unacceptable. I needed the money put back into my account swap and explained what was going on. They said sorry, that 's their policy. When I ask to speak to someone else, I was told there is nobody else for me to speak to regarding this issue ( this was customer service telling me ). So now I am scrambling trying to get money together for closing this afternoon and not sure if I will be able to get that much together. They have left me with XXXX money for something they did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I wish to file a complaint against PNC bank in particular, but this probably applies to other banks and I am sure many others would have the same complaint. This concerns the way they process the debits and credits to the account and the leveling of very high overdraft fees of {$35.00} per check or debit. 

On XXXX XXXX I had just come back from a trip and had forgotten to make a deposit to my account prior to leaving. I checked my bank balance online and saw that there was {$910.00} in the account. Before the bank closed I made a deposit of {$2300.00} to the account. Later in the evening I went online to download my account to XXXX. The deposit amount was shown as received by teller and a check that I had written for {$1100.00} had not cleared, nor was it shown as pending. The next day I received an overdraft charge of {$35.00} and they claimed that the check for {$1100.00} had cleared on XXXX XXXX. Their online banking had never shown that check. When I told them that I had made that deposit on XXXX XXXX their answer was that I only get {$100.00} of that to apply until the next day. I have argued with them about that but they refuse to remove the {$35.00}. 

On a different account the next day a similar situation happened. I had forgotten to deduct a check I had written. There was a check I mailed to a vendor on Sat. XXXX XXXX. On Mon. XXXX XXXX that check money was debited from my account. I was overdrawn by {$56.00} and they charged my account {$36.00} for the overdraft. I run a business and on XXXX XXXX I had XXXX deposits of {$130.00} that are processed by that bank and go into that account. On Monday XXXX XXXX that XXXX deposit appeared as pending, and they did not count that money as covering the overdraft. 

Here is my concern in a nutshell. The banks can immediately debit my account for checks that I write and mail to a vendor, but checks that are accepted by me and deposited in my account are held for XXXX day and do not apply to my account. That applies to cash deposits as well. If my deposit and a check come in on the same day they count the XXXX but not the other. I understand this would happen if XXXX uses an electronic transfer and set a date for the debit to be made or use a debit card, but checks that are written by someone and ones received and deposited by that person should be handled the same way. Either these checks that are scanned should show as pending on an account the same as any other check, or deposits should be treated as immediately available if overdraw situations occur. The way they are doing it now allows banks to take your money and use it for a day with deposits, but they can immediately cash your checks and remove the money from the account without it going through a pending process. It should be XXXX way or the other to be fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NC
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:
As a human being, I have rights under 15 USC 1681.

Equifax, who is definitely goverened by 15 USC 1681 has violated my rights numerous times. I am kindly yet sternly demanding the following accountst be removed because I have the right to privacy under the law 15 USC 1681 and at no time did I give Equifax written permission to furnish the accounts listed further in this complaint. 

Accounts : XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX US DEPT OF EDUCATION OPENED XX/XX/XXXX XXXX XXXX XXXX  SERVICES OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: JPMORGAN CHASE & CO.
State: IL
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:
XXXX XXXX XXXX ( the Merchant in this dispute case ) provided me 5 refunds of {$180.00} to my Chase credit card account ending XXXX. However, my Chase credit card balance only showed 4 refunds of {$140.00} after the refund was completed ; there was a {$40.00} shortage. It showed {$180.00} when pending. But after the transaction was completed, there was only {$140.00}. ( please refer to the attachment No.1 & 2 ) To solve this problem, I reached out to XXXX XXXX XXXX XXXX and got their confirmation that they've already paid me, and they also provided me the transaction ID ( shown in attachment No.3 ).

So, I opened the dispute with Chase and wished they could help investigate this missing {$40.00}. Chase issued me a {$40.00} temporary credit when they were investigating the issue ( pls refer the attachment No.4 ). After their investigation, Chase said that the Merchant had provided me the {$40.00} credit, and they needed to rebill that temp credit ( please refer the attachment No. 5 ).

But the actual thing is, my total refund is still short {$40.00}. Chase 's dispute result showed that they found XXXX had paid me {$40.00}, but this {$40.00} was another refund transaction ( please refer to attachment XXXX ). 

I don't know what to do now. I contacted the Merchant, and they confirmed that they'd paid me. Then, I contacted Chase, and Chase can only open the dispute transaction by transaction, so they can not compare the total refund I've already got with the total amount I should get.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-11
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I became XXXX unable to work. After sick and family leave ran out, I still could not return to work and was terminated. I could see that there were going to be problems keeping my mortgage payments up to date, so I called my mortgage to attempt a loan modification at a lower interest rate, which would allow me to continue to afford the payments. A modification was refused by PNC bank. I then made contact with HUD about my problem to find out programs I might be eligible for. HUD made contact with PNC regarding a modification, but PNC refused again. HUD then referred me to a state program called the Florida 's Hardest Hit Fund XXXX FHHF XXXX, a program funded by the mortgage company and bank penalties from the banking crisis. paid to the state of Florida. The program is designed to aid homeowners who have fallen behind in mortgage payments, as a result of a loss of income, in order prevent foreclosure. Additionally, the FHHF would also negotiate with participating mortgage companies for a loan modification. I applied to them and was deemed eligible XX/XX/XXXX. To be eligible for the Florida 's Hardest Hit Program, my bank ( PNC XXXX had to agree to cooperate, receive monies from, and accept the process of the FHHF program. I was told by FHHF that my bank had agreed to participate in this program, as had every major bank in Florida. Although I was deemed eligible for the FHHF and any foreclosure attempts were supposed to be stopped in XX/XX/XXXX, PNC started foreclosure proceedings in XX/XX/XXXX. My advocate at FHHF was surprised by the foreclosure proceedings, but reassured me that there would not be a problem and that PNC knew I was in process with the FHHF program and that there might be a clerical error at PNC. FHHF kept asking me for more paperwork XXXX 's for the same paperwork and documents again and again, which I would provide. I was told by my advocate that that the Florida XXXX was in some way stalling the process. Finally in XX/XX/XXXX, FHHF released funds to PNC of {$18000.00} and since has been paying my monthly mortgage payments. The XXXX has been paying my mortgage since that time, which with the {$18000.00} is a total of {$42000.00}. I have paperwork from FFHF showing that PNC has received these funds, yet does not acknowledge receipt of these monies to me or credit these monies toward the balance owed on my account. Additionally, PNC still is not working with me on a loan modification. I was told that any foreclosure proceedings by PNC should have been stopped once they received money from FHHF. I am getting the run around from PNC. PNC refused to talk with my FHHF advocate or myself saying that the case was in litigation. I have had to hire XXXX attorneys, to fight to save my home from foreclosure. I now have no attorney, but am still being threatened with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TRANSUNION THIS IS A FACTUAL DISPUTE you have my account blocked due to a disputed case { not sure if that's legal } anyway on my XXXX XXXX report you state I have 2 collections XXXX and XXXX show none Please remove all collection you are showing as per the other credit reporting companies enclosed are there reports stating NO COLLECTIONS please do the same

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 2020-03-29
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX I opened a Best Buy credit card to purchase a tv for {$900.00}. I paid it off immediately. In XXXX of XXXX I receive a Best Buy card bill with A large amount charged. I think it was around XXXX XXXX I have never used the card since my XXXX tv purchase. I reported the fraud immediately to the Citicard. On XXXX I received a letter from the security operations stating the fraud was taken care of and the disputed charges have been removed. Then I get a new card! I did not ask to open another card I dont use! I call immediately to cancel the card. XXXX I receive a letter saying it was closed. XXXX I receive another bill for {$600.00}. Then same day XXXX I receive another letter stating my charges have been disputed and they have been removed. I call again. I have spent hours upon hours in the phone and can not get to anyone who can help me. They keep putting me on hold and transferring me to another department to start the story over. The last call I made on Friday I believe after what I have been told is only part of the disputed charges where taken off and the rest was put into this new account they opened without my permission and is now closed. Now I am still receiving calls daily to collect the debt that I did not make. That I have letters saying has been satisfied. My credit has been ruined because of this. I am very upset. I have 2 college student who need student loans that I need to sign for and now I can not because they have ruined my credit. If someone can help me I would appreciate it. Thank you. 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 monetary relief
Consumer complaint received 2015-06-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My office is helping an elderly couple with the short sale of their property. An offer was obtained within XXXX of bank 's asking price, to further move this matter along my office requested reduction in all Closing costs to maximize the amount being received by the bank. We keep getting denied stating that investor guidelines are not being followed with no clarification. My client 's can not afford this home and do n't wish to have it sitting under their name for years until it 's foreclosed we need assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
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: Was not notified of investigation status or results

Complaint:
I Wrote to EXPERIAN ON XX/XX/2020 AND XX/XX/2020 asking for help to correct some items that are reporting on my credit report. that are not mines

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 2022-04-12
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received the response from XXXX concerning Consumer Financial Protection Bureau XXXX XXXX XXXX however, there is inaccuracies in the information provided in the report. Open date : Last purchase date : Last payment date : Charge off date : Balance : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$530.00}. I never applied for this card, never lived at this address I had my identity compromised along with this stated piece of information that is crucial in the document they provided. " Monthly billing statements were mailed to the address on file for your account at the time of mailing. We have no record of the statements being returned to us as undeliverable, until XX/XX/XXXX. '' They found out on XX/XX/XXXX that they had no record of it being returned to them as undeliverable until that time however, I never even applied for the card and they don't have proof of that. Neither do they have proof of purchases on my behalf as soon as the account was opened it charged-off and if you look at my credit I have never missed a payment or ever had a bad account in which this provides enough proof that this isn't mine. I would like the CFPB 's help in dealing with this creditor in which they are reporting falsified information on my Experian 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 non-monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-12
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: Personal information incorrect

Complaint:
According to the FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MO, and XXXX XXXX XXXX XXXX XXXX # XXXX these inaccurate and unverified address must be removed asap from my credit report. This address I have never lived at and I don't want my mail going to someone else with all the fraud that is going on right now.

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 2020-08-19
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i get collect from this company, my payment never was late, i already pay 5 years ago and they continue show on my credit reports XXXX, can you please delete thanks company name HELVEY & ASSOCIATES IN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: P&L Acquisitions LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
P & L Acquisitions sent me a letter dated XXXX XXXX, 2015 saying that I owed over {$4000.00} for a credit card that had been charged off over 5 years ago. The orignal balance was {$750.00}. The statute of limitations has long passed in XXXX ( the location of the credit card company ) and XXXX ( the state I reside in ). I have sent a letter to the agency stating so and that they are no longer able to legally collect on this debt. I have received XXXX letters and numerous phone calls about this debt. In the most recent letter, I have been threatened with legal action if I do not pay the debt in full within 30 days. I am waiting to hear back from P & L Acquisitions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: AL
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:
An account named " XXXX '' has shown on my credit since XX/XX/2020 stating that I am an " authorized user '' on the account. However, I am not an authorized user on any such account and I never have been. I believe my information has been added to this account either in error or by intentional fraud. I've disputed this with the creditor as well as the credit bureau. The creditor is unable to provide me any assistance on the account, since I'm unable to provide an account number or any verifying information. And the credit bureaus continues to verify the account as " accurate '' even though it absolutely is not.

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