BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
After calling PNC Bank, as well as speaking to them via their live chat online, they have refused to provide me with provisional credits to all the disputes I have filed. This has caused my bank account to get below {$1.00} total in it. Since I am not being paid until the XXXX of XXXX, I will have to no money for gas, to eat, or to pay bills due to PNC Bank not providing provisional credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2019-04-13
Company: ONLINE Information Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not recieve any written or verbal notification of this debt. Have called to resolve, both the debt collector, and utility company it stemmed from. Both could not help me either verify/or pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are so many inaccuracies on my credit report, I have tried for so long to get my report updates and the incorrect info taken off but the credit bureaus just keep ignoring 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 2020-02-26
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I was offered a " line of credit '' of {$1200.00} and there were ZERO  explanations in laymen 's terms how they figured their interest. As in, I had no clue what my monthly payments would be & I HAD to give them my bank account to take ACH payments from every month. I understood that this was a high dollar loan, I wanted an installment loan, but for whatever reason, they're doing this credit line in my state ( MO ). My first payment came out of my account & it was {$250.00}, in which {$120.00} was now available for me to " draw '' from. I did NOT do this & figured my next months payment ( this month ) would be about the same if not a bit less since I didn't utilize the credit. However, this month, they are going to take out {$410.00}!!! This is above & beyond predatory lending! I looked at my statement & my balance is UP {$200.00} instead of showing that I made a payment at all! At this rate, my bill will constantly go higher & higher every month. This was never mentioned & if it was, they sure made it extremely complicated to understand. 

This is unethical & obviously they had their license to offer installment loans revoked in MO, hence this new scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX I did not sign nor agree to no loan transfer or sign any agreement or terms that or to XXXX XXXX XXXX XXXX XXXX agreeing to new terms. XXXX XXXX XXXX XXXX is the originator of the loan. XXXX XXXX  XXXX needs to provide me documents of loan change and redone sign agreeing to terms agreeing to a loan transfer in my name. 

XXXX needs to provide me documents there the originator of this loan. According to the documents I sign XXXX XXXX XXXX Conduent Documents that was provided to me is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the documents provided to me there is no ( XXXX ) on none of the documents I sign for the loan or the orgination/Originator of the loan. There is no ( XXXX ) no where on none of the documents I sign nor is any information they reported on my credit file with Experian legal to do there is no sign legal binding contract or loan with them. 
Experian has no documents that they sent me back on the uploaded documents showing this company ( XXXX ) as any original owner of the loan nor has Experian showed me any documents that I agreed to a transfer by XXXX XXXX XXXX XXXX. 
As on the Documents XXXX XXXX XXXXXXXX XXXX XXXX is not listed as the original owner of the loan as well as the documents supplied by them and sent back to me from Experian. 
I need proof from XXXX XXXX XXXX XXXX to how they are the original legal owner of this loan in to which there no where on none of these documents sent to me. 
As shown Conduent is shown on the document Experian needs to provide proof from ( XXXX ) that there the original loan not as a servicing company in which I never agreed nor sign any documents of any legal biding transfer of this account with no consent by me legally binding Further more this looks like fraud by XXXX XXXX XXXX XXXX ( XXXX ) as to no legal documentation just some transfer with out merit or legally binding.

If documents cant not be furnished to this matter I 'm going to pursue legal action on XXXX XXXX XXXX XXXX as well as ( XXXX ) to why there was no legal paper work sign or legally binding contract and why XXXX XXXX XXXX XXXX is no where on any of the documents as well as ( XXXX ) This look like a paper game with no real owner or legally binding as to the manes listed XXXX XXXX XXXX XXXX. 
XXXX is no where on any documents what so ever Documents uploaded as proof there is no XXXX XXXX XXXX XXXX no where on any documents nor ( XXXX ) so where is the legally binding agreement with ( 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 2019-07-25
Company: WELLS FARGO & COMPANY
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Over 12 years ago, I had a checking account with Wachovia Bank. I had several outstanding Payday loans, which became overwhelming. I quickly became overdrawn with the bank and received multiple charges for being overdrawn. It became so bad that I my entire check, which was direct deposited, was getting taken by these charges. I went to the bank and told them my problem and asked to close the account so that I could deal with the loans. The bank refused to close my account and continued to amass fees which totaled over XXXX XXXX XXXX.  I, finally, stopped my check from being deposited to Wachovia. The continued to bill me these charges until the payday loan companies stopped attempting to collect from them. Now, I am being threatened XXXX XXXX XXXX XXXX for {$2200.00} I had talked many times with Wachovia over ten years ago about trying to explain this billing which I felt was excessive and illegal. They took XXXX XXXXXXXX in my total paychecks when my account was open with them. I feel that I have overpaid them already and should have debt collection agency bothering me again.

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 2022-01-12
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: Their investigation did not fix an error on your report

Complaint:
There are several mistakes on my credit report after disputes still no results or correction has been made speaking with the credit agencies has not done any good as well unfair credit score reflects bad trying to obtain credit or make purchases I uploaded paperwork showing debts was paid but still no results when you ask for proof of and dispute and a consumer send that proof the companies should not have a leg to stand on but all of the credit agencies are not making the correction on the consumer credit report siding with the companies and making incorrect reporting on the consumer reports I have tried making corrections for several years so when you ask for dates there are several

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I sent a dispute letter to Equifax about a chapter XXXX bankruptcy on my credit report. They sent back a letter saying it was verified as accurate. I called XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, AL AT PHONE NUMBER XXXX AND ASKED if EQUIFAX VERIFied A BANKRUPTCY THREW THEM AND THEY INFORMED ME THAT EQUIFAX DID NOT CALL THEM AND IF THEY DO NOT REPORT TO THE CREDIT BUREAUS and they did not give permission to any 3rd party company to release this inaccurate information and it need to be deleted. Equifax is not metro 2 compliant because it is inaccurate information on my report and I have attached a document showing this information. my attachment show Equifax listed a date filed as XX/XX/XXXX. theyl year is only XXXX so how did I file in XXXXthis shows they lied about this reporting and this incorrect reporting need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: ID Analytics, Inc.
State: CA
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:
During the process of leasing a new car on XX/XX/XXXXin XXXX XXXX, CA, my credit report was run. I check the my credit score frequently, and knew the scores were at or near XXXX. The day they ran the report, the XXXX score was accurate ( XXXX ), and I leased a vehicle. A few weeks later I rececived a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that another credit reporting agency I had never heard of, SageStream , LLC ( XXXX ) reported my score as XXXX. After some initial online investigations, I read that other folks were having this same issue ( high or similar scores for the mainstream credit reporting agencies like XXXX, XXXX, and XXXX, but SageStream reporting scores several hundred points lower. ) On the SageStream website there is no way to contact them online ; you can only call or mail/fax them. In fact, they have detailed instructions on their site to fax/mail them a copy of all of my personal info ( including SSN ) if I want to obtain a copy of my credit report. Not only are the above mentioned practices questionable, and potentially indicative of some kind of fraud, the suspiciously low credit scores they provide are hurting people 's livelihoods and purchasing power. Please investigate SageStream , LLC, and put an end to their erroneous and harmful reporting.

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 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX XXXX 2018 I contacted transunion and XXXX about numerous inquiries on my credit report that I did not apply for and they were no help told me to just call the creditor

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 2019-04-13
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have called and spoke with enhanced Recovery company several times regarding a XXXX bill that they have in collections for me. I have explained to them i was not in contract with XXXX and i was on a family plan with XXXX. I took 3 XXXX on lease with XXXX and i already made full payments on these phones but my bills were still showing high amount. When i looked into my account, i realized the phones had a lease fee on them every month. I called XXXX  and asked why there was a lease on my phones when i already made payments in full for all my phones. I was told by XXXX after i already purchased the phones i would still be paying to lease it. I disagree with XXXX because why would i purchase a phone that pay a leasing fee to use it. it does not make sense so i paid my last bill to XXXX in full and cancel my services but i kept the phones since i already paid for the phones in full. I was then sent to collections. I spoke to enhanced recovery and explain this to them but they refused to take off this account off my credit report. I need your help in getting this off my credit since i've been harrassed and threatened by enhanced recovery that my credit would be damaged beyond repair if i refused to pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
from XXXX through XXXX I was in college not only at XXXX XXXX college but XXXX XXXX which is the apprenticeship I was doing at XXXX XXXX. I never had credit cards with high limits I would not qualify for them nor at any time would I have tried I was in school and didnt work. I have to many medical issues to be working full time. It is a fact I have XXXX XXXX XXXX XXXX XXXX   XXXX XXXX and multiple XXXX XXXX. My records are with XXXX XXXX in Colorado and I was placed on medical leave on XX/XX/XXXX. I filed complaints on here about 2 creditors and when I filed with an attorney general in Colorado I did receive part of my money back but not all. I have several documents showing I was in school including transcripts and certificates. I also have a document stating XXXX XXXX had understood I was in college back in XXXX and had sent me an exemption letter however I did not receive it but it is on record when I filed a complaint with an attorney general in Colorado about another creditor. I was actually sent my money back and I have a copy of this check however XXXX and XXXX ignored the letter that XXXX XXXX had written up in XXXX and continued to come after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: MONEY SOURCE, INC., THE
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I sold my property in XXXX XXXX, VA in Mid XX/XX/XXXX. I have not received the refund of my escrow account yet. The amount to be refunded is {$5200.00}. 

I have emailed twice and spoken to " The money source '' - loan servicer thrice. The first time was in XXXX and was told that they check was sent to the previous address rather than the new address ( although in the closing document I had stated where to send the check ). I spoke to them again around mid XXXX and was reassured I will receive it in 2 weeks which did not happen. They confirmed the new address. I called again today ( XX/XX/XXXX ) and was told that they have sent a request to refund again and I spoke to " XXXX ''. He refused to give me his last name. 

I have been going back and forth for the last 3 months and I am frustrated with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has a debt of {$49.00} that they are trying to collection. Ive shouted this ask do not know of this charge. I looked recently and its now bee added to my credit report asa medical debt.i never recieved a bill for this so I would like this removed from my reports

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 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Problem with personal statement of dispute

Complaint:
I just received copy of TransUnion 's reply to complaint # XXXX. I find it unbelievable! They have for years, made available a totally inaccurate report of my credit rating and details and they ask for 60 days to correct! 

Their original credit bureau report stated the following : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiiable information Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. 

TransUnion has not indicated they have verified ANYTHING as accurate. They are not authorized any additional time beyond the 30 days originally allotted! They have used up 12 of the 30 days and must complete ALL CORRECTIVE ACTION within the remaining 18 days AND NO MORE! 
TransUnion has also reported information beyond 7 years aged, this is not legal!. The FTC and the DOJ will intervene if necessary. TRANSUNION - Get your problems fixed 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 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XXXX of 2018, my credit score has been wrongfully dropping every single month due to the wrong information on my XXXX loan. XXXX has been filing a delinquent account when I have been paying on time every single month. I have called them numerous times to fix the issue, and they said that there is no reason why my credit score shows that it is delinquent when it is not. I have disputed these incorrect claims every single month, as it is resolved after my dispute, but then incorrectly claimed as delinquent again after a couple of weeks. I have been given the runaround and feel that enough is enough. My wife and I are in the process of purchasing a house, and these incorrect claims have been hindering our chances of attaining a loan, which has become extremely frustrating and unfair. As a military member in the United States XXXX XXXX, this also becomes a huge ordeal because of the effects it has on my credit score that could ultimately jeopardize my security clearance. Please assist me in these incorrect and wrongful claims so that my wife and I could finally give our daughter the house we worked so hard to finally purchase. Thank you so much for your assistance, time and consideration.

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 2019-04-13
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount this company is trying to collect I'd not the correct balance owed. I had a security deposit that was supposed to be deducted from what supposed to have owed. Also this is not the correct amount of judgement. This company is trying to collect more than was not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed twice currently XXXX dispute XXXX as of XXXX separated told XXXX XXXX divorced XXXX was not at that address at all since XXXX this is not my bill {$210.00} XXXX XXXX now it is in collections which affects my credit report me and my x just completed bankruptcy court now this!!! I did not make this bill XXXX XXXX {$210.00} said so twice to XXXX XXXX must been signed in my name I refuse to let this affect my credit report after going thru bankruptcy please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Reverse Mortgage Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
As a result of health conditions ( approx. X/XX/16 ), I was hospitalized and placed in a skilled XXXX facility. Reverse Mortgage Solutions views this as a violation of the vacancy clause and has reposed my home. When I visited my home recently, I saw a sign stating that my home was listed for sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation