BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
Company: PNC Bank N.A.
State: OH
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 overdrafted my account and i was charged {$410.00} once i received my check deposit. My check was {$1300.00} so PNC took roughly 1/3 of what i was paid. I admit that i overdrafted and understand a fee being charged but not any amount that exorbitant. I called PNC on X/XX/17 and a male told me I had valid points and my money would likely be refunded. He escalated my call and XXXX called me X/XX/17. She told me there was nothing they could do. She said it was unfortunate that i did not know i could opt in or out of overdraft protection. I was opted in without my knowledge. That meant that PNC charged {$36.00} per transaction per day. This was never explained to me. Otherwise, I would have never agreed. I would like to only be charged what overdraft fees i owe and would like any additional money PNC took from my account to be refunded. My account is now closed and I am now banking with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good day!! 
I had an issue with debt collection company which didnt call me or email me about my debt which fallows to appear big collection in my credit report!! Plus XXXX XXXX  didnt read meter reading on time and start billing me wrong amount which caused big debt and this was incorrect cuz I left my current place long time ago plus XXXX XXXX didnt even try to call me or text me even email me!! So as today I paid off everything make sure I wont owe them money, but they dont wan na remove this collection from my credit report, but as I spoke with one of collectors they said they will remove after I paid whole balance!!! After few days later they said it will be in your record for 7 years ( ( ( Im totally disappointed and broke that collectors didnt keep they promise plus on top they didnt even try to call me or email me!!! Totally disappointed with outcome even I try and take responsibilities and paid off whole balance!!! I wan na complain about professionalism of this collection company which leads bad mark on my credit report even when I paid off whole balance, but at the beginning they said paid for delete As you may see my whole credit report was perfect no late payments and no big debt was under my name, but this case was inappropriate toward regular consumer who didnt know about this debt and never had communication with me about this debt and collectors just was indifferent about my future and reported without knowledge me about this serious problem!!! Pleas can you help me to resolve this issue cuz Im trying to remove this collection from my credit report after I paid off in full whole balance!!! Pleas!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: IL
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 PURCHASED A COPY OF MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. THIS REPORT SHOWED SEVERAL ERRORS ON MY REPORT AS WELL AS INCORRECT AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT. I SUBMITTED SEVERAL LETTERS TO THE CREDIT BUREAUS IN AN ATTEMPT TO CORRECT THE ERRORS. THE CREDIT BUREAUS HAVE YET TO CORRECT THESE ERRORS. THEY ARE NOT EVEN INVESTIGATING MY CHALLENGES TO THESE ERRORS. THEY ALWAYS COME BACK VERIFIED BUT IF I AS A CONSUMER CAN SEE THE ERRORS HOW CAN THEY NOT? 
XXXX EQUIFAX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 PURCHASED A COPY OF MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. THIS REPORT SHOWED SEVERAL ERRORS ON MY REPORT AS WELL AS INCORRECT AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT. I SUBMITTED SEVERAL LETTERS TO THE CREDIT BUREAUS IN AN ATTEMPT TO CORRECT THE ERRORS. THE CREDIT BUREAUS HAVE YET TO CORRECT THESE ERRORS. THEY ARE NOT EVEN INVESTIGATING MY CHALLENGES TO THESE ERRORS. THEY ALWAYS COME BACK VERIFIED BUT IF I AS A CONSUMER CAN SEE THE ERRORS HOW CAN THEY NOT? 
XXXX XXXX TRANSUNION

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 2017-07-20
Company: Experian Information Solutions Inc.
State: LA
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 was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting XXXX XXXX to correct the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. XXXX XXXX has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. XXXX XXXX started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XXXX - XX/XX/XXXX. Then bank late from XX/XX/XXXXXXXX to present. During the months where they report current in XXXX, there was no communication with XXXX XXXX. Why would they report current for some 5 months and then late again. No written communication from XXXX XXXX has been received since the discharge. My attorney stated that XXXX XXXX was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr liberative prescription period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief XXXX has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.

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 2022-06-15
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
there are XXXX " late payments '' shown on my credit report for student loans that were in deferment at the time. I have tried to dispute it through XXXX and XXXX but nothing has worked so far. It is affecting my ability to rebuild my score as that is my largest debt and makes it look like my payment history is bad when everything else on my report has been good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: CA
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:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} I did not give this company permission nor have ever done business with them and have documents filed with the police for fraud. 

XXXX XXXX XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since XXXX. I have police documents filed for fraud. 

XXXX XXXX XXXX I never gave XXXX XXXX to use my information and have never done business with XXXX. I have been under XXXX since XXXX. I have police documents filed for fraud and XXXX consented and closed the account, but I would like this to be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: SC
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 recently filed a dispute with XXXX in XX/XX/XXXX asking them to remove inaccurate information on my credit report.The 2 accounts that I asked to be removed were reporting inaccurate dates, amounts and account numbers on XXXX and Equifax. The dispute results from XXXX came back verified as if no real investigation was even done and obviously no investigation was done because the account ( XXXX ) came back as accurate but displayed Charged off from XXXX XXXX XXXX 2 on time Payments after XX/XX/XXXX ( XXXX XXXX ) then back to CO status until XX/XX/XXXX. XXXX did not do any investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
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:
I have contacted Equifax several times explaining the same situation over and over again. Someone has stolen my identity and is constantly attempting to open accounts using my personal information. I send several requests and calls only to be told that if the back office did not delete, I have to keep sending the same information over and over again. So, Equifax admits that they have the documents & someone dropped the ball, but I have to keep contacting them until someone feels like actually reviewing my information. Again, I have attached the requested documents & hopefully this is the last time I have to make this request for this fraud inquires to be deleted. After sending this request I received a response asking for my identification information which I included but still did not delete those fraud accounts. Please remove XXXX XXXX  XX/XX/2021 & XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 made a dispute with XXXX and Transunion reference to this debt collector XXXX XXXX who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).

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 2022-06-15
Company: National Commercial Services, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I started making payments to National Commercial Services in California in XXXX. I informed them in XXXX that I was no longer able to pay but that we should come to an agreement to settle the debt. The total amount I owed them at that time was {$5500.00}. I have made payments since XXXX totaling about {$4000.00}. I informed them that i would like to settle the remainder and was told at that time that i owe them {$4400.00}. That is almost double what the agreement was about and was not giving an explanation as to how that balance came to be and my emails were ignored along with my phone calls. 

I stopped paying them until i received a proper explanation which did not happen and even then I informed them that I am willing to pay {$120.00} to settle what was left of the original amount when i agreed to make monthly payments. They did not respond as i mentioned before and opened a credit report on XX/XX/XXXX. 

I am disputing this report because this was easily taken care of and I DO NOT OWE THEM {$4400.00} which is a total fabrication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I issued and mailed a check to a vendor XXXX XXXX XXXX XXXX. and the check was cashed by someone other than the intended vendor. My vendor does not even have account at the bank at which the check was deposited. I found out the the day after it posted to the account as Wells Fargo does not provide copies of the check until the day after cleared. I asked for a provisional credit which I was told it would take 24 hours to 10 business days to have an investigation done and at that point it would be decided.

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 2017-01-17
Company: National Check Resolution Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The collection rep assigned to my account threatened to send faxed documents to my employers and ensure I pay them. Keep in mind I attempted to notify the rep she was threatening me on a recorded phone line. I have email receipts showing twice were an incorrect zip code is still being entered on their part and National Check Resolution continues to contact a phone number that they have NO AUTHORIZATION to call!!!! I have an email confirming the incorrect zip code was entered again! I also have an email confirmation from my employer reflecting the same issue!

Company response to consumer: Closed
Consumer complaint received 2020-01-10
Company: Pendrick Capital Partners Holding, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt Collection for an alleged {$1200.00} debt for an emergency room service from XX/XX/XXXX. Never received any invoices or calls from any other person/company called me for this debt claiming that my insurance company never paid it. I was skeptical because it has almost been 2 years since this happened and I never heard anything about it from anybody. The people told me that they would " work with me '' and offered to " go with 2 payments for {$480.00} '' both in XX/XX/XXXX. I have impeccable credit and because I am I freak out that my credit rating would suffer so I agreed to the payments. The name of the company is AffiliateAS.com Several people I spoke to told me it was a fraud and I needed to block it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have asked more than once for my PMI to be canceled yet it is still being charged. I am below the XXXX XXXX  XXXX benchmark. The cancelation should have occurred automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: LA
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 was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting XXXX XXXX to correct the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. XXXX XXXX has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. XXXX XXXX started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XX/XX/XXXX - XX/XX/XXXX. Then bank late from XX/XX/XXXX- to present. During the months where they report current in XX/XX/XXXX, there was no  communication with XXXX XXXX. Why would they report current for some 5 months and then late again. No written communication from XXXX XXXX has been received since the discharge. My attorney stated that XXXX XXXX was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr XXXX XXXX period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief XXXX has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. 
I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I requested 2 Cashier 's Check orders electronically on XX/XX/XXXX. My account was debited on XX/XX/XXXX, and it was stated that I the checks were sent on XX/XX/XXXX. I got XXXX tracking that same evening. When I went to pick up my package, only XXXX check was inside. I called Wells Fargo customer service, and was sent to a department. They then told me I had to either go to a local branch ( there are no branches in my state ) or wait 10 business days for them to complete the transaction. The transaction isn't urgent, but I am unwilling to wait this amount of time on an issue they caused in which they never sent out the check they debited my account for. The representative then brought their supervisor XXXX on the line, and I described the situation to him. He then said he'd place me on a brief hold to research it. I waited for over 30 minutes, and then the line disconnected or they hung up on me. I was never followed up with. I have been unable to get in contact with that department 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 monetary relief
Consumer complaint received 2017-07-20
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a re-certification of income based payments with my spouse information on X/XX/17, Fedloan Servicing states I " did not request spousal loan debt until X/XX/17 Income Driven Repayment Plan Application. '' Since they did not receive it and/or process the paper work until X/XX/17, I had to pay {$520.00} compared to my payment in XXXX 2017 of {$290.00} and my payment in XXXX of {$390.00}. I asked for a review of this payment. My " over-ride was denied and their reason is the aforementioned quote. The did offer to refund my payment of {$520.00} and stated it would not count toward my 120 qualifying payments for the Public Service Loan Forgiveness program. Fedloan Servicing overcharged me {$120.00} for my XXXX payment.

Company response to consumer: Closed with explanation