BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had PNC since they came to Florida going on 20+ years. I have been a loyal client of theirs yet PNC has NEVER done any favors for me. They would not even give me a credit even when my credit showing 100 percent payment across the board. 

My compliant came when recently my income decreased and caused my balance to be low. PNC offers a service call the Low Cash Mode. It gives you extra time such as 48 hours to deposit funds before the item is posted and you're charged an over draft fee. 

When you log into your app or online banking, you can see the pending item and if you go to the menu you can see the item and the DEADLINE when the item will be posted or you need to bring the balance to cover the pending item. 

Lately PNC has been doing what ever they like. I had multiple items where it gives me a time let 's say " 36 hours remaining ''. What PNC has been doing was just randomly returning the item before the time is up. Itll be same day even they just return the item. 

What is the point to even have this if you're going to just randomly returning item? POINTLESS feature isn't it! 

When confronted PNC of this, their reply was " it's up to our discretion to either pay or return the item ''. Though that is ultimately the banks decision. If you give the account holder a timed deadline, no decision should be made for the account till that time! 

What's is worst? now PNC is doing the opposite! On the week of XX/XX/XXXX. I had a utility item that caused my account to be over drawn. I did not put in the funds in time and I end up getting an over draft fee. On separate day I got another utility charge that came in as pending and the Low Cash Mode kicked in and gave me a timed deadline. XXXX the morning of XX/XX/XXXX it is showing I had " 5 '' hours still yet my PNC decided to paid the item and post it with an over draft fee already! So instead of using the discretion clearly that my account was over drawn and has an over draft fee, they all of sudden decided they wanted to pay the item and charge another over draft fee!. 

This is unethical behavior and it will be my last encounter with PNC. I have incoming funds coming in and I will be taking my funds to another bank as this is behavior is something that is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been a Discover Card customer for 31 years. I moved recently and received a paper statement. I was shocked that my interest on cash advances was {$57.00}. My bill does not show a cash advance. I spoke to 8 customer service representatives, and none could help me find the original amount to dispute. I contacted XXXX at the Discover Executive Offices. She investigated and found there was a cash advance of {$500.00} in XX/XX/2011 which I dont recall. I have been paying interest for 12 years and now the cash advance balance is {$2400.00} all from interest since I pay the minimum each month. I dont check my statements because I automatically pay all my bills online. 
Discover Financial Services has abusive interest practices. The current rate is 27 %. I am now a XXXX woman on social security. They offered only to lower the rate but the issue is the balance and interest I paid over 12 years. How did a {$500.00} cash advance escalate to {$2400.00}? I hope you can help me get this amount reversed on my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Has not credited {$36000.00} to my account as funds available after more than 15 days - Evasiveness, nonresponse, causing harm, emotional, physical, 2 weeks after proving that my Federal Society Security Checks were valid with 5 letters from SSA SSDI Deposited {$36000.00} on the XX/XX/2023 
To date, I do not have access to my funds past the 14 day maximum that a bank can hold funds by Federal Law. 
Discriminatory practices against a XXXX person under ADA Act of 1964 Predatory behavior to vulnerable persons at risk Denial of temporary loans untill unfair leading practices and discrimination against poor and XXXX persons. 
Female teller who received my deposit created an atmosphere of abuse, making me feel bad for trying to get access to my own money. 
Horrible horrible behavior from the PNC Bank of XXXX, and XXXX, Florida, the Bank that " Cares ''. Good Marketing, what a lie. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX  I made a payment of {$190.00} via destiny website to pay off entire balance. XXXX  I only had {$100.00} of credit when I should of had {$300.00}. On XXXX I still did not have entire available credit of {$300.00}XXXX XXXX XXXX I checked to make sure I had available credit there was a balance due of {$290.00}. I checked the balance transaction and after XXXX   somehow a reverse charge payment of {$190.00} shows on my account which made me have a balance of {$290.00}. I called XXXX Concorda credit and XXXX states that " there was insufficient funds in my account when they I made the payment ''. The payment took three days to deduct and even on XXXX XXXX I had {$190.00} in my account to deduction to pay this card off. I am now getting hit with a return check fee of {$29.00}. Funny how this charge or charge back was never mention to me on or about XXXX XXXX XXXX and the due date for a payment is XX/XX/ how convenience this {$290.00} balance shows two days from a payment due date. This company is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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 XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Under 15USC 1681 Section 602 states I have the right to privacy.

15UAC 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Under 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
On XX/XX/ I paid PayPal for the balance of {$39.00} I had on my account. The payment was accepted and confirmed with an confirmation message. However, that payment did not go through and denied by PayPal. After checking it today, on XX/XX/XXXX, PayPal added an additional late fee. 

I have reasons to believe that PayPal is trying to deny the payment to take additional late fees. 

I had requested PayPal to respond to my inquiries and waive the most recent late fee applied after PayPal didnt give a reason for denying my payment on XX/XX/ 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 2022-07-07
Company: Experian Information Solutions 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 XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX XXXX  Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX  XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXXXXXXXXXXXXXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 Complaint Case XXXX Summary of Complaint : XXXX refused to refund a charge after the host had agreed to cancel the reservation and XXXX admitted there was a system glitch. After filing a dispute with our credit card issuer, Bank of America ( BofA ), and following their dispute resolution procedures including responding to the subsequent letter asking of additional information which we submitted on XX/XX/XXXX to the XXXX XXXX XXXX, in XXXX XXXX TX, BofA still declined our claim for not receiving our letter and despite our initial explanation when we filed the claim which included the accompanied attachments to this complaint. 

Detail Explanation : During the CA fires, my daughter had to evacuate her home as the smoke was exacerbating her respiratory conditions. She booked a place though XXXX for XX/XX/XXXX through XX/XX/XXXX. Upon her arrival, the place was not ready and beds were not made, bath towels on the floor and dirty dishes in the sink. Upon contacting the host XXXX, she agreed to refund and asked XXXX to contact XXXX  ( communication shown in the attached ). XXXX my daughter contacted XXXX cust service who admits that there was system glitch and even asked for XXXX to show her hotel bill where she had to go showing the invoice she had to pay to spend the night. ( copies of the communication were also sent to BofA ). When XXXX replied that they would not refund, we filed the claim with BofA and provided the attachemnts. To our surprise they decliend the claim saying that they never received the additional info which we mailed before their XX/XX/XXXX deadline. 

Insutl over injury and a real shame that BofA and XXXX would take advantage of someone evacuating the area and not only charging one night but the entire stay when it was them who did not have clean but rather an dirty room. 
We appreciate the Bureau 's and BofA complaint response team for reviewing and helping us solve this complaint. 
All the Best 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 explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : 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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am not sure of where these inquiry came from, XXXX and XXXX   inquiry

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 2019-08-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt multiple times and have not been getting the correct information I have asked for. The dispute started with XXXX and XXXX and this company has said they are reporting correctly to the credit bureau 's when in fact they are not reporting correctly at all. I have not received an actual validation of debt, only a bill saying that I owe the debt. This company needs to send me the correct information that I am asking for and not just a bill, or needs to be removed from my credit report for incorrectly reporting. They have sent me a letter stating they have spoken with the original holder of the debt and have looked at their notes, but they still do not report to the bureau 's correctly. Because of this it needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX Balance XXXX {$26000.00} XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXXXXXX Balance : {$300.00}

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 2022-04-21
Company: EQUIFAX, INC.
State: AL
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 Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted documentation proving that three items should be removed from my credit file. XXXX and TransUnion refuse to remove them and have stated that they were " verified as correct ''. The letters provided clearly show they should be removed. According to the Fair Reporting Act, they are not abiding by the law. These are XXXX XXXX for XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-02-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I disputed several accounts for big inaccuracies and only one account was removed for only one bureau while there are more inaccurate accounts, besides, investigation is taking so long and the bureaus haven't sent any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
the principle being payed vs the interest is criminal these charges are discriminating XX/XX/2023 payment due, we payed the 12 month period off. ( XXXX ) interest ( XXXX ) principal ( XXXX ) tax ( XXXX ) I called the company to reassess the ratio of principle vs interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: V and H Portfolio
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to Trans world system I owe XXXX XXXX for an account that was opened 5yrs ago. I have only had XXXX XXXX as an electric company for the last 2yrs. Before then I lived in XXXX and had not had to use an out sourced electric company. I called Trans world system and was hung up on when I asked what I was being charged for. I then called XXXX XXXX was was told they wouldnt give me any information and when I asked for proof that I signed an agreement or contract the representative laughed and stated that they dont need me to agree to anything in order to start charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Other problem getting your report or credit score

Complaint:
I tried to contact transunion to view my credit report because I found out from my other report that it was unauthorized inquiries on my credit report. I am unable to review my report because someone is using my report. They are asking me to verify email XXXX This is not my email! I have found the problem. Why my credit card balance change! Also some has a XXXX  account in my name as well! I need assess to my account to see what is going on!

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 previously disputed a collection from XXXX XXXX appearing on all credit reports the collection company XXXX responded to CFPB stating the collection item was placed on hold pending a financial application review from original creditor my problem is the collection company continues to report item to the 3 credit bureau companies if in face the original creditor requested a hold why is it still being reported? 
Original response from medicredit is attached showing item is placed on hold

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