BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-26
Company: PNC Bank N.A.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX/XXXX/2016 With all the financial and credit concerns going on with the XXXX XXXX situation, I wanted to ask ... Is it legal for a lending company to report the terms of your agreement different from what you sighed? 

I have an Auto loan with PNC Bank and per our " Direct Installment Loan Disclosure and Note Agreement '' here are the following terms .... 

XXXX Number of Payments : 36 XXXX Amount of Payments : {$370.00} XXXX When Payments Are Due : Monthly, beginning XX/XX/2016 I have found out that all three credit reporting agencies XXXX, XXXX and XXXX, are reporting that my repayments terms are for 38 months instead of 36. Thiscalculation worksout to bea differentsof {$750.00} more when you use that number. 

When PNC Bank contacted me by mailoffering to refinance my auto, one of the main selling points was that they allow you to chose from 30 to 90 days before your first payment isdue, I choose the 90 days. 

I signed the Agreement in the XXXX Virginia location on XX/XX/2016 and thefirst payment isdue on XX/XX/2016, around 90 days. 

They are telling me since the funds where available onthe date I signed, they have a right to report38 months instead of 36. 

I was in the process of doing aDebt consolidation loan, when this was brought to my attention. They are saying that they will have to add the $ XXXXdifferents of 2 monthsin order to do a pay off for my auto since PNC Bank is reporting 38 months as the terms of repayment. 

On XX/XX/2016 I called PNC Bank, the person I spoke with concerning this matter is Name XXXX XXXX in the Escalation Department of PNC Bank XXXX. He acknowledge that the contract I signed was for a repayment term of 36 months, but that they have a right to report 38 months instead of 36 months. He refused to transfer me to his supervisor or anyone in the so called " Back Office People Dept '' and that he was the manager and there was no one else I could speak to concerning this matter. 

I want to thank you in advance for taking the time to read and review this compliant. 

Thank You XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am the XXXX for buyers of XXXX XXXX XXXX, XXXX, PA XXXX. By contract, settlement dated for XXXX XXXX, 2015 and buyers are financing FHA. 
XXXX XXXXPNC, XXXXXXXX is the PNC loan officer and assured me that XXXX XXXX, 2015, was workable. 
Nothing but excuses concerning getting the appraisal in. Buyers satisfied ALL conditions weeks ago. 
XXXX more settlements come after XXXX. All XXXX settlements were clear to close last week with XXXX different lenders. The second in line was FHA, too, and was clear to close last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Experian Information Solutions Inc.
State: NY
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 notified These credit reporting agencies that there is fraudulent accounts on my credit report, and i have asked them to remove it, i have given them all the information they need including my proof of identification, and a FTC report, they still have not removed these accounts, As in these companies are in violation of Code 15 U.S.C 1681b - Permissible purpose of consumer reports as my identity has been used Pursuant to 18 U.S.C 1028A., I demand that these accounts be removed.

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 2022-05-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I cant access my Paypal account ( XXXX ). which I use for my online business. Im teaching software programming thru online, do online researching and language tutorial. My Paypal account has a stuck fund that I used to finance my daily need paying my bills and I used for emergency. I hope to get my paypal account back and withdraw funds in my account that I labored to earned. 

I had my ID attached for verification. Thank you very much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hi, I have an Apple Card that I use to pay for XXXX related products for the Interest free installment plans. Well I noticed that I was charged interest in XXXX and XXXX and tried to speak to someone who could not tell me why. I am asking for help in getting the answer as I can see my payments have been more than what is owed on the date the payment is due for installments that are supposed to be interest free for well over the time I'm paying these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
i took out a new cc from AMEX and explained to the person that i had once had this cc and had cancelled it. i asked if the bonus of spending {$1000.00} and receiving {$100.00} back would still be honored. He assured me it would. i received the card, called back and was told that they would not honor it. I gave them the name of the rep and the date and time of the call which he said was recorded and i have never heard from them although i called XXXX times already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: PNC Bank N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am on a fixed income along with my wife. We live paycheck to paycheck and often order necessities online. After it was determined that we would not be able to make all our payments for the month, we decided to put our student loans into forbearance. But for whatever reason, the loan payments were posted to our account on Tuesday, putting our checking account into overdraft. There were multiple other payments that were posted ( that I could not cancel, because they were pending ) on Wed and Thurs. By Thurs morning, the damage had been done. A total of ( XXXX ) {$36.00} overdraft fees were charged to my account. I 've worked with my bank to dispute the loan payments that were made in error. With PNC 's track record, I am confident that a few of these transactions were processed in such an order to maximize fees, such as was done to me previously this year. Because of the {$250.00} in fees I now do not have the funds for my car payment, and will be in the negative again next month ( perpetual cycle of abuse ) because I am on a fixed income. It 's a snowball effect, and we are being overwhelmed. This is abuse!!! We have our first child on the way and are trying to move into a cheaper apartment, and PNC is interfering with our attempts at a reasonable life! How long will the abuses continue? I demand reversal of ALL fees charged to my account IMMEDIATELY. These fees are obliterating any financial gains we have made. If no action is taken, I will take this up with an attorney and will alert everyone I know how PNC drains its customers and treats them as profit centers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 consumer did not consent too nor authorize these inquiries that are reporting to my Transunion consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Transunion. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Transunion sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via USPS certified mail. Is Transunion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. Transunion decreased my score because of those inquiries that have no connection to me. If Transunion can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Transunion let concur on my consumer report. Transunion stole my identity and sold my private information without prior consent. I have a right to privacy and Transunion violated my privacy.

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 2016-07-20
Company: Retail Merchants Associates
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Credit Bureau of Louisiana added collections to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever before the collections were reported. Credit Bureau of Louisiana put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I reported this to the XXXX and Credit Bureau of Louisiana responded that they allegedly sent a letter to an obscure address and because it did not come back, they can assume I received it. It was not sent by certified mail, which would give them actual grounds to say I received such a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: PNC Bank N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
An auto-payment I had cancelled was mistakenly processed on XX/XX/XXXX, which is responsible for putting my checking account into overdraft. I am not responsible for this payment being processed, and should not be responsible for ( 3 ) {$36.00} overdraft fees totaling {$100.00} that PNC has withdrawn from my account. Again, I suspect they are processing my transactions in such a way as to maximize fees ( profits ), had the larger payment been processed after the smaller payments there would be only ( XXXX ) fee. Branch manager will do nothing. PNC has charged me multiple hundreds in overdraft fees just this year. How long will the crimes continue unchecked? I demand these fees be REVERSED IMMEDIATELY and refuse to fork over {$100.00} to the bank for a mistake I did n't make.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GU
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied a XXXX Account at HSBC XXXX XXXX. I met all the criteria and waiting for a meeting call. I ended with a declined email from XXXX XXXX. 

I just want to open an XXXX XXXX account and transfer all the stock fund compounded since the year 2000.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: ALLY FINANCIAL INC.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On yesterday, XXXX/XXXX/16, I spoke with a representative at Ally Auto in regards to getting a three month extension on both of my auto loan accounts due to me recently getting laid-off on XXXX/XXXX/16. She stated that I would have to pay 60 % of my monthly payment in order to get the extension. I explained to her that I recently laid-off and that I just applied for unemployment and that will not kick in until the next few weeks, which is not even half of the income that I was getting before. She stated that there was nothing else she could do. Three months would give me enough time enough time to find another job and catch up. These accounts are SCRA accounts and do n't understand how the representative could n't do anything else.

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 2022-01-02
Company: CORELOGIC INC
State: DC
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 have contacted the credit bureau on several occasions and always get the information has been verified as accurate, but the credit bureau never sends me the information I have requested that was used to verify the accounts and personal information from public record. I filed a dispute via mail and over the phone with a specialist, however, the information still remains on my credit file. I tried to dispute some of these addresses and personal information online through the credit bureaus, but it doesn't allow me. I had to contact them by phone or mail. The XXXX accounts are associated with two addresses, that I have requested to be removed several times. I have never been associated with either of the addresses. Also, there are some XXXX XXXX accounts that I have requested to be removed as well. I have no knowledge of those accounts from that creditor. I never gave the creditor permission to access my credit file or report inaccurate information. In addition, accounts on my XXXX credit file haven't been updated accordingly. The following accounts are XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXXXXXX XXXX XXXX XXXXXXXX all these accounts need to be removed from my credit. XXXX has been paid off for over 4 months and I have disputed with XXXX several times, provided the info and they still haven't updated it since XX/XX/21, but XXXX and XXXX have updated my reports accordingly. I have attached pretty much everything that needs to be done. Lastly, XXXX, I have submitted disputes for the credit INQs currently reporting to my XXXX file and they sent me a letter showing they're deleted, but they still show up on my credit file. I think my XXXX credit file was too large and split and EQ hasn't been able to compile my file properly to retain accurate 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 explanation
Consumer complaint received 2022-01-02
Company: LEXISNEXIS
State: DC
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 have contacted the credit bureau on several occasions and always get the information has been verified as accurate, but the credit bureau never sends me the information I have requested that was used to verify the accounts and personal information from public record. I filed a dispute via mail and over the phone with a specialist, however, the information still remains on my credit file. I tried to dispute some of these addresses and personal information online through the credit bureaus, but it doesn't allow me. I had to contact them by phone or mail. The XXXX accounts are associated with two addresses, that I have requested to be removed several times. I have never been associated with either of the addresses. Also, there are some XXXX XXXX accounts that I have requested to be removed as well. I have no knowledge of those accounts from that creditor. I never gave the creditor permission to access my credit file or report inaccurate information. In addition, accounts on my XXXX credit file haven't been updated accordingly. The following accounts are XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts need to be removed from my credit. XXXX has been paid off for over 4 months and I have disputed with XXXX several times, provided the info and they still haven't updated it since XX/XX/21, but XXXX and XXXX have updated my reports accordingly. I have attached pretty much everything that needs to be done. Lastly, XXXX, I have submitted disputes for the credit INQs currently reporting to my XXXX file and they sent me a letter showing they're deleted, but they still show up on my credit file. I think my XXXX credit file was too large and split and XXXX hasn't been able to compile my file properly to retain accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried over the years to get my credit report from XXXX  free  XXXX  XXXX and cant. Also with equifax on their website I can never get my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was covered by the indigent/charity care program at the hospital and have been told by hospital there is a {$0.00} balance

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a dispute by mail to Transunion regarding a credit card account with XXXX XXXX. I advised them there were inaccuracies on the information being reported which is having a huge negative impact to my fico score. Transunion sent a generic letter stating the information was verified and confirmed valid. It is clear there was no actual verification of the information because inaccuracies are still on the report and nothing changed. I requested a method of verification which was dismissed by them and not provided. I am requesting for Transunion to do an ethical and actual correct investigation so the information is reported accurately or they need to delete the tradeline completely. Transunion is currently approving a false manipulation of the statue of limitations on this account by not correctly validating the information and actually doing an investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX A Debt Validation LetteXXXX was sent to prove that this debt is owed to me. This is very damaging to my credit as I try to apply for my first home. A Debt Validation letter was sent on XX/XX/XXXX as of today XX/XX/XXXX this debt has not been proven to be owed by me. This company has not replied to the verification letter of this debt.

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 2016-09-05
Company: TekCollect Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was already paid actually it was paid twice. They took off XXXX credit company, but not this one ... not sure about the XXXX. The debt was paid directly to the company I owed it to, it was for about {$71.00}. I get many calls, many times a day. I did ask them to check into it and they were rather rude. They also told me they would send it to a lawyer and I was threatened with a lawsuit ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My Loan was originally with XXXX XXXX and in deferment, XXXX XXXX stated I defaulted on the loan and sold it out. Now the loan is in Nelnets hands and I have seen the principal go up and up after paying every month going at this rate I will be died and still paying the loan. The education I received for this loan was not even worth it. Wish I could go back 13 years and change this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought something using PayPal pay in 4, but the product was significantly not as described. I filed a PayPal claim and they sided with the seller. 

I then filed a dispute with my bank and my bank sided with me and I was able to get my money back. 

Now Im being harassed by PayPal almost everyday in an attempt to retrieve the money that was reclaimed by my bank.

PayPal is claiming my payments never went though, which is a lie ( I will attach a confirmation email that shows all of my payments went through ) I called PayPal customer service and they told me that I needed to pay back the money I got back from my bank dispute which is ridiculous. You cant force a customer to pay back money they got back from a chargeback. I also have an audio recording of the customer service agent saying this to me which I obtained with their permission. 

I would like PayPal to stop emailing and stop trying to collect this debt. 


Merchant : Reference ID : XXXX

Company response to consumer: Closed with non-monetary relief