BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-14
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC Bank and I have yet another discrepancy. Please beware everyone and sprint from this bank as quickly as possible!!! I have opted out of overdraft coverage, yet my account is overdrawn by almost XXXX. I called PNC and spoke with a XXXX or XXXX, on XX/XX/XXXX at around XXXX XXXX. She was very nice, but she did not help resolve my problem at all. I explained to her that my account was XXXX dollars and that I was confused because I have not opted in to overdraft coverage. I have screenshots showing that my account is " not opted in '' for overdraft coverage so one would expect for all of those charges to be declined. Yet PNC decides to let the overdraft swell to XXXX and I received an email message out of the blue. I always check my app and the computer version of my online banking and I had XXXX cents in my account on XX/XX/XXXX when I went to bed. The next morning ( XX/XX/XXXX ) I woke up to a message that I was all of a sudden XXXX in the hole when that was never what I saw on the app or on my computer. Mind you, it looks as if the charges that made me overdraft were not ACH charges that were going through. Why was this payment charge not declined if there were not enough funds to cover it? It was not an ACH charge. I did not opt into overdraft coverage for this reason. It looks like a slew of charges came through on the night of XX/XX/XXXX that made it become XXXX and some change overdrew. She explained to me that the order in which charges post is not the order that we see as a customer. She also told me that ACH charges go through automatically. My argument is that these charges were not ACH ( they were point of sale debits, payments, XXXX back-to-school haircut, etc. I would have NOT been spending money if my account had told me the correct available amount that I had in my account. I thought the point of having a " balance '' and " available '' on PNC accounts was so that I can see what my balance is versus what I actually have available to spend. I always see the " pending '' charges and those are usually subtracted to give me an accurate available balance from which I spend money. That was NOT the case this time! She basically told me that there was nothing they could do. I was told that I will now be charged XXXX dollars a day, every day until my account is brought back positive, for overdraft coverage that I did not opt into. I am a hard-working teacher and we only get paid once a month. There are about 10 days until payday. How am I supposed to pay XXXX ( XXXX X XXXX ) dollars in overdraft fees for coverage that I did not opt into? Please help... I am definitely closing this account asap. This is so crazy that a bank can even charge XXXX dollars a day for overdrafts- let alone for overdraft coverage that I did not opt into. I have had enough of PNC!! 
BBVA WE MISS YOU SO MUCH!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
State: MS
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:
There are inquires that is on my credit report that I did not authorize. They are XXXX, XXXX, XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-06-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have made several attempts to ask Experian to remove the incorrect address that is listed on my credit report. I have sent a copy of a bill and my driver 's license to prove my address and where I live. 

Experian refuses to remove this address that does not belong to me.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

U S DEPT OF EDXXXX Account XXXX XXXX U S DEPT OF EDXXXX 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 2022-06-03
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX/DEPT of ED # 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 2023-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Regarding Bankruptcy Case : XXXX Regarding Bankruptcy Case : XXXX The United States Bankruptcy Court XXXX XXXX XXXX XXXX California does not report bankruptcy proceedings, in any nature, to 3rd parties or furnish this information at all. Thus, XXXX is illegally obtaining this information from XXXX without having the information furnished to them nor ensuring if the information is accurate. Additionally, I had already requested for XXXX to permanently suppress my information from XXXX publicly facing public records data. Therefore, listing this bankruptcy and allowing that information to be furnished to XXXX is greatly harming me which is a violation under both the FDCPA and FCRA. 

There is no permissible purpose for this reporting and the illegal access of this data from XXXX. Under 15 USC 1681i this must be removed for the inaccurate and incomplete reporting that has caused me severe harm and hurt my credit score tremendously. Please remove this within 5 business days of having received this written request. Additionally, as per a violation of of rights listed in the Privacy Act, I am requesting {$1000.00} as remedy for my hardship that was endured from negative items being reported on my credit report. 

The immediate attention to this matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting the bureaus to look into this matter as required to do so under the FCRA but my request seems to be ignored. The following accounts that continue to cause damage to my personal file are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-01-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a collection from Credit Collection services that I wasn't notified I had until I received an email from XXXX that my score has gone down. Immediately I called the company to pay it as the amount was only {$500.00}, and asked why they hadn't contacted me. They informed me they had been sending the letters to an address that was incorrect, and had not reached me any other way. They say they attempted to contact me via phone only twice, once in XX/XX/2021 and once in XX/XX/2021, but I never answer unknown numbers and they never spoke to me until XX/XX/2021 when I called them once I had seen it on my credit report. When I called, the representative I spoke to did not inform me I had the right to dispute the debt, did not inform me that paying the debt would not remove a negative mark on my credit report, and told me they had mailed my letters to an incorrect address. I have filed a dispute with all XXXX credit bureaus as I am now currently trying to get a mortgage, and although having 100 % on time payment history, this single collection has damaged my score by over XXXX points. A kind representative from XXXX today contacted CCS and spoke to a supervising XXXX, who informed him they would refuse to authorize XXXX to remove this debt from my credit report even though they failed to notify me or inform me I had a right to dispute, and simply said allowing them to remove it would make my credit report " inaccurate '' even though there are no laws that state this. I am incredibly frustrated and upset, I can't secure a good interest rate and I'm just trying to get ahead in life after years of saving and working hard. I explained my situation to CCS and they refused to help me, even though the rest of my credit report shows I've never missed a payment, ever.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
his inquiry was made not with my knowledge. I have filed a FTC Identity Theft report so both inquiries need to be removed from the XXXX credit agencies under the 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested If the inquiries arent removed. I will take legal action as I have my identity theft report from the FTC as well. Thanks I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This will be my 4th time filing a complaint against Pentagon Federal Credit Union for charging me their attorney fees XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX THE ATTORNEY IS NAME XXXX XXXX RULE BAR # XXXX this have been going on for quite some time and this will be my 4th request. The first report was filed on XXXX, XXXX, XXXX XXXX and XXXX. Because of the location of my home I am constantly being harass by the bank, builders and brokers to sale. I believe there is someone that work at the bank that is responsible for the harassments. I want it to stop. The fee that this attorney is requesting from my Chapter XXXX attorney for me being late on my XXXX Payment is {$290.00}. I just buried my mother XXXX, uncle XXXX and aunt XXXX all from COVID-1i9. I do not have any extra money to pay Pentagon Federal Credit Union. In addition to the fees when I go to the office in person each month to pay my mortgage the payment is made with a cashier check and deposit in my savings account. The payment sits and they do not transfer the payment to my mortgage because they want me to be late. I can only make my payment on the XXXX of each month and they were demanding the XXXX. I need help and I need them to STOP charging me additional fees that are unethical, If I am in a chapter XXXX how can I afford there attorney fees? When I call no one will speak to me on the phone because I am in a chapter XXXX. No one will help me not even the person that is assigned to help me. I have called no return call no answer. I've visited the office when making payments and no help! But they can charge me attorney fees. I honestly feel that the Bank Attorney, Chapter XXXX Attorney and the Chapter XXXX Trustee are all involved.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX  XXXX Inquired on XX/XX/2022 2022

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I had reached out to Transunion, XXXX, and XXXX about XXXX account # XXXX to request for them the verify the accuracy of the account. Transunion, XXXX, and XXXX updated me that the account is being reported with accuracy. 
I then viewed an updated report and the account is still reporting inaccurate. 
I see inaccuracies with the date opened, high credit, last reported, last payment, and last Active. 
In accordance with the Fair Credit Reporting act 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 an 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 2022-06-03
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sued by XXXX and XXXX is XXXX for a debt to XXXX XXXX XXXX for a credit card. In XXXX my wages were garnished and my debt was paid. As of XX/XX/XXXX the judgement still sits on my credit as an unpaid judgement. For four years this debt has been killing my credit even though it is paid. I am now trying to buy a home and can not due to this debt not showing paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, XXXX I visited the Wells Fargo XXXX XXXX XXXX & XXXX XXXX  in XXXX XXXX Pennsylvania XXXX My purpose for this visit was to submit XXXX savings  Bonds for redemption and deposit directly to my savings account at Wells Fargo. I was greeted by someone named XXXX. I submitted to her about XXXX savings certificates for calculating and processing. XXXX separated the bonds for counting and proceeded to input the interest and total value of each bond. When she finished the first larger batch she indicated for me to put my debit card into slot for processing to savings account. Which I did.. She repeated the process for the small amount of bonds ( about XXXX or XXXX ) and again asked me to submit my card so funds could be deposited to my savings. At no time did any cash exchange hands. At my request I asked for a receipt which she gave me. 
I assumed I would receive XXXX form on site but she told me that would be mailed to me-which it was about XXXX  months later. While comparing what was processed at the bank and what XXXX indicated I was very surprised and dismayed that there was a vast difference. The amount shown on the receipt XXXX had given me on the premises resembled nothng of what was on the XXXX statement. 
XXXXreceipt indicated that about XXXX bonds as " checks '' XXXXreceipt indicated that teller had entered XXXX bonds were of the same amount ( exactly ) XXXXreceipt inidcated at least XXXX bonds with the same amount ( exactly ) XXXX receipt indicated XXXX CASH paid to customer ( as stated, at no time did any funds exchange hands! yet XXXX listed " loose currency '' as {$2400.00} in XXXX dollar billsXXXX {$50.00} bill, ( XXXX ) XXXX bill and ( XXXX ) XXXX bill. As stated NO FUNDS Exchanged hands.-there was NO CASH ENTRY on my part. I was led to believe I was signing/depositng via debit card because of the redeemed cash values presented via bonds. I receved XXXX indication that interest on bonds was {$1500.00} and XXXX. However peculiar because the added " treasury note is listed total as XXXX which is only the interest paid out and not what was actually redeemed! As a XXXX  year consumer of Wells ( and it's prior names ) I am concerned about the documentation of : XXXXcalculations of submitted savings bonds XXXX entries made on my savings account for that period XXXX, the validty of the received XXXX XXXX the integrity of the person who handled transactions XXXX outcome of my income tax Sadly there is another occurence of this nature. I await for a plausible, truthful reply and/or corrections if necessary! 
Thank you in advance for refrring this to correct official.

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