WillisBack/dataset-financial-user-claim huggingface dataset:
PNC Checking and PNC Core Visa for Overdraft Protection are running online scams. Just recently, the checking account {$400.00} Friday transfer began pushing into Tues or Weds of the next week. This in turn may afford you to think you had more money on the weekend, then an auto Billpay or something comes through causing havoc for a few days until realizing they are holding transfer money for too long and loss of interest income on the transfer for up to 5 days. Given local transfer, it should be there in one day. I have documentation on this.

PNC Core Visa is entirely set up online ( and the application has some hefty deceptions ), including : 1 ) use this card for cash advance, pay it off, but PNC keeps the running Balance Subject to Interest rate after paid off and charges a " Minimum Interest Charge '' 2 ) Use it for Purchases at the same time, then try to Payoff the Purchase Balance, and they make you pay off the 0 % Promotional Balance first. 3 ) Lastly, they do not allow online dispute and do not answer mailed disputes. ( Then you have to pay the higher rate of interest, because maybe you cant pay off both types of balances ... ) This is very deceptive and in the small writing Im sure.

Thank you,
XX/XX/2016, I initiated a HARP loan application with my current lender Ditech. I was informed that I needed to provide homeowners insurance and sign the necessary disclosures to move forward with my application. XX/XX/2016, I received an email from the title company informing me that I had a judgement on my title report that would need to be cleared up before or at closing. XX/XX/XXXX, I also received a call from my lender advising me that my loan had been forwarded to their legal team for review. Apparently when I closed on my loan with Greentree, they cancelled my deed of trust from when I purchased the house, but forgot to record the new deed of trust. I was told at that time not to worry they would get everything cleared up. XX/XX/2016, I paid off the judgment on title. I forwarded the information over to my loan processor. XX/XX/2016, I was told by my loan processor that we were pushing to close my loan by the end of the month. One minute the loan processor told me the title company had everything they needed to close my loan, and later she switched it to say she had to resend the information. I reached out to the title company to see if they would give me a status on my loan and was later contacted by my loan processor indicating that they could not add the mortgage sent over by my lender because it had already been released. My lender is now ignoring all of my emails to them regarding a status on my loan. My lender did not record the deed of trust on my property, so I have an unsecured note.
I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2008
On XXXX XXXX I attempted to get my credit report online. I do this every 4 months with a different credit agency in order to catch any problem, and was always able to get the information online. Imagine my surprise when I was refused an online report and was told I must submit XXXX forms of id. I did just as they requested and sent the proper forms, copied on XXXX blank page. Today I received a form letter from " Equifax Information Services '' that stated that the forms were not adequate and to send additional forms. I know the forms were proper with one from each category. I believe they are purposely delaying sending the requested information to avoid fulfilling Federal Regulations..
The statue of limitations has expired on the debt in question XXXX it has been more than 6 years from the date of default ). Furthermore, I was not served process by personal or substitute service as required. The Plaintiff XXXX XXXX XXXX XXXX waited too long to bring this case XXXX laches ).
As the Executor of my deceased husbands ' estate, since XXXX XXXX I have requested a deed-in-lieu to close out the estate. I have provided all of the documents within my possession to the mortgage company. Around XXXX thru XXXX, I was informed there is a lien on the property from XXXX. However, during that same time period, I was informed everything was okay but case had not been assigned to anyone for resolution. In XXXX or XXXX XXXX I was informed the lien from XXXX is preventing the deed-in-lieu process from proceeding and I have to provide documentation the lien has been resolved. When my husband purchased the property XXXX XXXX, XXXX he had a clean title. The clean title should have been submitted to the new mortgage company from the old mortgage company when the loan was purchased. The mortgage is in my husbands ' name only, but the property is titled in both our names.
On or about XX/XX/2017, I called my bank XXXX XXXX to ask for new checks to be sent to my new home address because I had run out of checks. They said that they would send the checks right away. After a week, the checks had not arrived so I called them again and they said the same thing. I wound up calling XXXX XXXX six times over a two month period, each time urging them to send the new checks because I had bills to pay on another bank account ( XXXX XXXX ). Finally I was late on a car payment ( 30 days ) because I did not have the checks to make the deposit to XXXX XXXX. The checks finally after 6 calls and two months did in fact arrive, after which I immediately went to XXXX XXXX to make the deposit and the loan payment. XXXX XXXX in the meantime, filed a 30-day late notice with the credit reporting agencies. I feel that this is completely  wrong and irresponsible on XXXX XXXX 's end that they did not send the checks and now I have this on my credit score which has gone from XXXX to XXXX on one credit reporting agency.
Dear Sir/Madame : I am presently residing at Virginia. On XXXX XXXX, XXXX by checking my credit reports, I have learned that an collection amount appeared on my credit reports. I am a XXXX of XXXX, there are XXXX of XXXX of XXXX having the same name and the person who is responsible for that account is NOT me. I have no knowledge of the identity of the person who is responsible for the mentioned account and I do not understand as to why that collection account appeared on my credit report. I realized that collection is for XXXX XXXX which is a power company in XXXX XXXX. I have been living in Virginia since XXXX and this account was established in XXXX in XXXX ( it appeared to be an electric bill ). Clearly, I have nothing to do with this electric bill. 
I am greatly upset about that account since it caused my credit rating tarnished. I am requesting for your help in restoring my excellent credit rating and that delinquency reported to the Credit rating companies be removed. 

Many Thanks.
I received an email from Synchrony that my " XXXX XXXX XXXX '' card was good at other retailers that used XXXX XXXX. The email offered a link to follow to find other valid retailers. XXXX XXXX was listed as one of these. When I arrived at XXXX XXXX they verified that they did use XXXX XXXX so we thought it was fine to used my credit. I had a {$1000.00} credit. 
I bought new tires and had them installed. When I went to pay it would not accept my card. We called Synchrony and they said the card was n't any good there, I needed to have a XXXX XXXX  credit. I explained that the email that they sent me listed XXXX XXXX. Synchrony would not accept my valid credit. I asked to close the current account and reopen in XXXX XXXX. They closed my account and then refused/denied to open a new one. So not only did I have to endure humiliation of my credit not going through, but I lost my line of credit completely. 
The email was very clear, and XXXX XXXX was listed as a valid vendor. 
I could have lost my car ( because XXXX XXXX would have held it until it was paid ), my job ( for lack of transportation ), and everything I have- all because of false advertising. And this is a very clear case of false advertisement.
On XX/XX/XXXX I paid my rent online through US Bank * ( {$1800.00} ). On XX/XX/XXXX I charged {$25.00} for gas, using my US Bank Debit card ( same account ). I left town for couple weeks. I returned and checked my account online. I noticed I was overdrawn. I went into the branch where I have had my account for 5 years. XXXX the manager told me she would reach out to XXXX who would be able to assist me. I complained about my balance being {$150.00}, and requested assistance. I checked back, but was told XXXX was out until the next week. I left a message with XXXX to get some help. XXXX called me back at the end of the week explaining XXXX would return the following Tuesday from Vacation. The next week I spoke with XXXX who told me they could do nothing. I received a final bill of {$240.00}. 
I am complaining because this was a debit card, it should not have been charged in the first instance ( XX/XX/XXXX ). I was thinking the branch manager would assist me, but then she was not able to help and by the time this all passed my account got closed and I went from a {$25.00} error to a {$250.00} fee.
On XX/XX/2015 I requested my free experian credit report. I found out that a strange company named XXXX ran my social security 3 times to lend money to someone under my name. The loan was denied 3 times which mean this person is trying several times to steal money under my name. The days they requested the loan are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the company by emailing them. the associate fraud analyst XXXX XXXX called me to express the company concerns and offered me to help me to filed a complain with you but she needed my info i said no thanks ill do it myself. My concern with this company is the following : what kind of identification the company request to the public to run someones social security to provide a credit? None? a fake one? fake identifications are noticed i guess? they can not just ran social securities from people which appear in their credit as denied for 2 years. thank god i have a terrible credit. 
Please contact this company to check on them if they are doing something illegal against population to obtain business. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXphone XXXXor directly with the fraud analyst XXXX XXXX
HC began reporting on my cr in XXXX. I sent several letters via fax to validate, which they ignored ( illegal under Texas statue, a collection company must validate within 30 days in Texas ), until I filled a complaint with XXXX. They also continued to report to the cr even after receiving my dispute, which is not in compliance with the FCRA. Finally XXXX was able to get documentation for me. What HC provide is a joke! I requested a contract showing where I agreed to XXXX services ( which I NEVER HAVE ) .Until this day, I have not received it. The bill they sent me has my name misspelled and an address that I 've never lived at. It does n't have an apt # on it. I feel like HC is attempting to force me to sign a fraud affidavit in which I have to pay to have notarized! I am not wasting my money on the incompetence of this company! I have never had any account with XXXX! I will file a complaint with AG XXXX XXXX and the CFPB if they do n't provide what is requested!
OnXX/XX/XXXX purchased my first house through XXXX XXXX XXXX. The initial escrow payment was {$690.00}. Wells Fargo purchased the loan and I made the first mortage payment for XXXX. Each month {$150.00} is applied to the escrow account. On XX/XX/XXXX at XXXX I spoke with XXXX XXXX in the Executive Office. Prior to speaking with her I spoke with XXXX in the Executive Office. I was on the phone for many hours without resolution. On XX/XX/XXXXI received a notice that there is a 1 month shortage in the escrow account. I 've spent hours and hours and been hung up on, ignored and provided tons of misinformation. After many different calls and nobody properly being able to pinpoint why there was a 1 month shortage on my escrow account ( including XXXX from Executive Office ) - I finally got a hold of a young lady at a lower level customer support that was able to pinpoint the problem being in the Initial Escrow Account Disclosure Statement. That paperwork that I signed at closing shows taxes due / collected in XXXX, where Wells Fargo shows XXXX. We both googled XXXX XXXX property taxes and noted they are due on XX/XX/XXXX on their website. Wells Fargo has a 2 month minimum in the Escrow Account and collecting for the full year of taxes in XXXX leaves only 1 month remaining in the Escrow account. I 've read this complaint to XXXX for accuracy over a recorded line.
I owned XXXX a payment from when we moved. I paid XXXX on XX/XX/XXXX Just received ( XX/XX/XXXX ) a call at work about this paid debt. They stated it was not paid. To top it off, this debt is under my Wife 's name ' not mine.
I tried to find the opporiate selection of the complaint ; however could not find XXXX which would apply to this particular situation. While employed for Portfolio Recovery Associates it was brought to my attention that they had purchased a portfolio which contained an account which was mine, but the statute of limitations was well expired. I can not recall the the orginal creditor ; however the debt was well over the 3 year statute of limitations in which I was a resident of, which is XXXX XXXX. I was informed by XXXX XXXX that I had to resolve the debt inorder to maintain employment with the company. The amount was around {$1500.00}. In order for me to maintain my employment I had to sign an agreement to allow PRA to deduct post tax, {$50.00} a pay period for one year to resolve the issue. It was in my employment agreement that any employee who was found to have a debt in a portfolio PRA owned that it must be resolved to maintain employment. It is my opinion that the debt should have been disvolved based on my state of residence and should have never made it into their system to begin with based on NC statutes of limitations. There was an extra payment removed from my check after the agreement had been met, which PRA subsequently refunded to me. Further more after resigning from PRA I recieved another letter informing they had purchased another portfolio with another debt in which the 3 year statute would apply. Other than the intial letter I have not recieved any further communication of the debt or its collection status, this was in XXXX of 2015. I can not recall the amount, but remeber that the debt was outside of the allowable time NC has put in place. I do not know if there are any other accounts in this status with them and would like to find out.
I am XXXX years old. I went back to college about XXXX and, unfortunately, I selected a school called XXXX, later known as one of the " XXXX '' schools. I took out several student loans totalling about {$15000.00}. 
I have been unemployed since XX/XX/XXXX and have had my Navient account in forbearance. I just learned today that I am no longer eligible for forbearance or deferment, and my account will be going to collections. I filed Chapter XXXX bankruptcy in XX/XX/XXXX, but Navient claims they have no record of that bankruptcy. I am concerned that if this account is in collections when I turn XXXX and I apply for social security, that Navient will garnish my SSI. I have been awaiting a solution for students of the XXXX disaster, but nothing has appeared yet. 
How can I prevent my account from going into collections pending a sollution for students that were defrauded by XXXX?
Balance of {$280.00} was reporting instead of {$0.00} balance. On XXXX XXXX, 2015 received a response from Equifax stating the balance was changed to {$0.00}. On XXXX XXXX, 2015 myfico alerted me of an XXXX point increase in my score from the corrected {$0.00} balance being reported. Not today, XXXX XXXX, 2015 myfico alerted me of an XXXX point Drop in my Equifax score due to my balance being reported as {$0.00} to now {$280.00}. My credit card company does not report until the last day of the month and this is n't a balance I have on my card right now. This is the balance that was changed from {$280.00} to {$0.00} by Equifax and then to {$0.00} back to {$280.00}. Equifax please stop playing with people 's credit especially during the mortgage process. This is intentional it appears.
XXXX XXXX ( aka XXXX XXXX ) provides high interest loans ( 25 % + ) for XXXX work. Each time you decide to finance a procedure it is separated into its own " plan '' on the loan account. Depending on the promotion, you may have 1 or 2 years to pay off any given plan without incurring any of the deferred interest. My first two plans were 2-year deferrals opened in mid-XX/XX/XXXX and end of XX/XX/XXXX respectively and payments were applied in amounts weighted towards the first plan with the earlier deadline. My monthly payments were easily enough to meet the expiration dates. So far so good. 

At the end of XX/XX/XXXXand during XX/XX/XXXX, my wife and I had more emergency XXXX issues and since we had more available credit on the XXXX XXXX loan, we added four ( 4 ) more procedures ( plans ) to the loan. At this time, XXXX XXXX started allocating my payments across all six loans and I increased my monthly payment to compensate and stay on track to pay off the first two plans within the promotional expiration dates. 

Fortunately, the first plan was far enough along that it was paid off by mid-XX/XX/XXXX. As the expiration of the 2nd plan was approaching, XXXX XXXX began siphoning a larger proportion of my payments to the newer plans with much later expiration dates. In hindsight, I realized they were intentionally ensuring the amount applied to my 2nd plan would not meet the payoff amount and miss the deadline and incur the deferred interest. When I called their customer service to protest, they said sorry it is what it is. I was then told my only recourse was to explain my case to them in writing, which I did. I provided a schedule showing exactly how they had been applying my payments ( for which I could discern no logic ) and how they could and should have been applied to meet the deadlines. There written response was, " ... we find the finance charge to be valid. '' I find that XXXX has intentionally obfuscated the method used to apply payments to plans to make it impossible for customers to determine where they stand and adjust payments to compensate. But really, they are just a fancy predatory lender. I can only imagine how many others have been cheated this way. 

I have since been able to pay off all the remaining plans to keep them from cheating me on my other plans, but they have still taken me for over {$1000.00} in unfair interest
I have had this account since  XXXX   XXXX . I always  ( ALWAYS )  made on-line payments through my bank -  XXXX   XXXX .  XXXX  always  ( ALWAYS )  accepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  XXXX  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  XXXX , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.
I submitted evidence to Transunion notifying them of an erroneous account by a collection agency called XXXX XXXX regarding an account with XXXX XXXX as the original creditor. I reached out to XXXX XXXX to ask for signatures and all proof validating this erroneous account. XXXX XXXX did not get back to me in 30 days and obviously did not get back to XXXX and XXXX  since they deleted the account. Transunion claims XXXX XXXX verified the account and I asked for Transunion to send me the description of the methods they used to verify this account under the FCRA 611 ( a ) ( 7 ) and they did not respond to me under within the 15 days mandated by law.
I went to change internet providers from XXXX to XXXX. I was told that the installation of the equipment was not to be charged to me, that it was free. When the employee arrived at my apartment he noticed that the infrastructure of the apartments was n't prepared to host the XXXX service. I was n't home when he arrived, so he started working on preparing the apartment 's infrastructure to be able to host the XXXX service for my apartment without my consent. I asked him if it would cost me something and he said " no ''. After the bill arrived I saw that the charges were for installation, service and equipment. When tha XXXX provider also told me that the equipment was not to be charged. I have talked with XXXX and they say that I have the equipment, I do n't. When I got the bill I went running back to the store to cancel the service and return everything. All of this happened somewhere early 2015.
XXXX XXXX which is with XXXX XXXX originally. It is with admin recovery now I paid in full XXXX XXXX. It is for XXXX I would like the pay status to be updated to paid off in full. I called XXXX on XXXX XXXX 2017 they said to call admin recovery to do it. Admin recovery said the opposite that XXXX XXXX XXXX has to update it because they were the original lender. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX
i am a retired XXXX of XXXX large corporations. I take great care of my credit report and especially scoring.During the last 30 days, i reduced XXXX of XXXX revolving credit accounts and zero 'd down to a credit balance on another.During that time my score dropped from XXXX to XXXX, from a previous high of XXXX. When i inquired XX/XX/XXXX during XXXX hour, XXXX individual contacts during the last contact with a supervisor named " XXXX '' while waiting for her supervisor, i was disconnected., though my return number was verified during the call, no one called me back, calling back i was advised the company was so large identifying " XXXX '' was impossible, even when i quierried how long the recorded calls were maintain, i was advised six ( 6 ) months. i told XXXX reason was on the XXXX 'd down account of XXXX credit, there was a XXXX charge. The other reason was, during this period XXXX ( XXXX ) previously closed, but remained open accounts from 8 years ago, " reported '' these accounts as " dormant/no activity account '', reviewing the credit report they show " Paid and Closed '' I was then told these will remain for an additional ten ( 10 ) years on my report, and that I can expect my score to drop additional points in the next reporting period.i questioned these accounts since i could NOT reopen them without reapplying, again impacting my score. I was advised by " XXXX '' that i should have maintained a monthly minimum charged balance, paying monthly on these XXXX revolving accounts, I questioned again an additional open XXXX retail charges, and was assured it would have protected my scoring, but since they have been reported in this manner they will remain for an additional ten year period, though " closed '' paid as agreed, no activity dormant accounts. Oh a final comment, I 'm XXXX years old and in my credit history, there has NEVER been a reported late payment. There is a public note from a deeded property owned by my xwife, because of a late tax payment, i was included in the lien on my credit report on property i did not own, im also stuck with this until XX/XX/XXXX, good thing is ill have passed before this drops off, or should i sahy, ill drop off before this item. 

Thank you for what ever results you can provide, even if it opens an issue that will help others, i understand i 'm NOT the only on impacted by this practice, and I DO understand credit scoring purely drives higher interest rates for loans, again thank you, XXXX XXXX