davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

Hello, I was a Compass/BBVA account holder for over 20 years and have been mired in the PNC transition for almost a month now. Since XXXX I have been denied access to my personal account, money market account, and primary business account. I have only had access to a single business account that I very infrequently use. 

On XXXX I was told the IT department was having some issues transitioning all of the accounts and it should be resolved before the end of the week. 

On XXXX I visited a local branch and was told the same story- they were overwhelmed with issues and working to resolve it. I went to make a cash withdrawal, my driver 's license had expired 30 days prior and I have an appointment with the DPS for it's renewal. In spite of my BBVA debit card and new PNC debit card in my possession and presented to the teller, due to my expired driver 's license the tellers would not allow me to make a cash withdrawal without a 2nd form of ID. 

On XXXX I spoke to my local bank manager again about my lack of account access, but this time I was told they needed to submit a " link request '' to the IT department on my behalf in order to link my missing accounts. I was told this process would take 5-7 business days. 

As of XXXX nothing has changed and I have received zero communication from PNC about the issue and/or their attempts to resolve it. Multiple requests for support that I submitted via the app and through the on-line portal have never been responded to. 

I would close my accounts, but having never expected this issue I have not downloaded my financial data and transactions for 2021 taxes. I fear if I close these accounts before receiving full access from PNC I will never be able to access this information again in the future.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been desputing an account with XXXX XXXX through XXXX, TransUnion and XXXX. The credit bureaus have failed to investigate my despute for more than 90+ days. This derogatory account is affecting my accounts negatively.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

On XXXX I mailed a check to a business entity 's Accounts Receivable lockbox. ( This check was mailed from the Post Office in XXXX, GA. ) The check was altered to an unknown individual and deposited via Mobile Remote Deposit on XXXX into an known account. It is very apparent from my First Citizens Bank 's online portal that the " Pay to the Order of '' and " Address '' have been altered. 
On XXXX I contacted my local bank 's branch and I was instructed to call their XXXX phone number. Upon calling the XXXX number I was given a dispute # and told that someone from the " Back Office '' would get back with me in 2 to 3 business days. As of XXXX I have called 2 other times ; I have not been able to speak to anyone in the " Back Office '' or the " Fraud Specialist '' handling my case. My issue has not been resolved in a timely manor, and my account has not been credited for the {$9400.00}.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have contacted the bank multiple times about this issue that happened on XX/XX/XXXX where someone stole money from my card. They have denied my case twice even though I closed the card and I obtain a police report. There is no reason to not give me my money back. And they keep making excuses saying I need this or that or it's closed or something when it shouldn't take almost 2 months to give me my hard earned cash back. I was not doing this transaction and I thought it was an error at the atm I had went to the next day.
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TN)

I never received invoices or bills for this debt so I believe it may not be mine. I mailed the debt collector a letter of validation request on XX/XX/2021, however I was not responded back to. The letter included a request for validation and a 30 day time period for validation and that was not met. The account being disputed is says there is a charge of {$760.00} but as I said before I never received the requested validation or bill.
Consumer complaint received 2021-11-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, I sent Capital One Auto Finance Attn : XXXX XXXX XXXX a correspondence entitled Notice of Acceptance along with a private money order and requested that Mr. XXXX send confirmation that my entitlement orders had been acknowledged and honored for the account # XXXX, and that the obligation had been settled and closed per my instructions. It was sent certified mail # XXXX XXXX XXXX XXXX XXXX RRR with an Affidavit of Mailing attached. It was received and signed for by DC on XX/XX/XXXX, and since then I have received a late payment on my consumer report and no response to my correspondence. Mr. XXXX, as you well know that there exist an operational presumption at law from the failure to answer a business letter. As the CFO of a securities intermediary, I am sure you have no aspiration to eschew good faith when it is essential to answer and honor your duties to me as an Entitlement Holder. If you fail to cure the breach, your refusal will be interpreted as agreement and you will be presumed to admit the propriety of the acts mentioned in my earlier correspondence ( see attachments ) and to adopt them, also inform the Illinois Attorney General and the Better Business Bureau of this mishap.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL TO THIS COMPLIANT. 

I sent a letter on XX/XX/XXXX but no response from Transunion. I will send the letter from XX/XX/XXXX and a new dispute letter with dates XX/XX/XXXX. 


The following accounts are violation of my consumer rights and causing me pain an suffer to buy a home for my family! These accounts were remove by XXXX and XXXX due to violating my rights.. I'm expecting same results from Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dpt EDXXXX XXXX PLEASE SEE ATTACHED ALL NECESSARY DOUCMENTATION
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

in XX/XX/2021, After I transferred {$5000.00} from my XXXX  XXXX savings account to my capital one checking account there was an extra deposit to the account that I reported to capital one. They then froze the account and conducted an investigation that concluded in late XXXX XXXX they are unwilling to release my XXXX back to XXXX  XXXX until they can return the fraudulent funds as well. This has been over 6 months of frustrating phone calls with no resolution. every time i call them now, they tell me that the team who is handling the case does not have a direct line, and my only option is to leave a voicemail. I have yet to receive any calls from that team after leaving many voicemails. I don't know what to do.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (LA)

Ive return there calls an told them in the beginning we do not want to use the internet to pay our bills cause our bank account have been hit before with hackers not risking that again. Was working fine in the beginning with them. Just recently Ive been getting calls an ive talked with them an have asked why is my bill coming in late they said they have no control on that well its coming in 2 days before its due we will still call an hangs up but they want additional payment now thats not fair theyre making me late on payments
Consumer complaint received 2021-11-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

on XXXX XXXX i open up auto loan with XXXX XXXX. I was bring in that much income so i got behind on some payment which cause me to be 30 day late XXXX and XX/XX/XXXX, XXXX, XX/XX/XXXX due to the covid 19 and on XXXX and XX/XX/XXXX due to the covid 19 i ask capital one auto can they please remove this late payments has i one time courtesy they said no please help me
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Hello, my name is XXXX XXXX and my checking account is with USAA and due to a service through XXXX-XXXX I made a dispute for charging me based on a horrible app. I have sent all documentation to USAA and uploaded proof of the outcome from the merchant stating we will compensate. USAA has failed to approve my claim stating it was for betting and there is nothing they can do. Unfortunately that can not be true as I ready to provide police report lawyer etc.. this amount was for XXXX and also XXXX it was used in a one week period and was due to the app glitching and also kicking me out not allowing me to make the choices I wanted. this is not the service I requested and contacting the company several times through this period. I have also contacted USAA over 20 times to ask what else is needed. they have dropped the ball on this and given me no response to the claim besides it was a gambling app and we are not allowed to approve this claim. I will go above and beyond to get this resolved as this is not fair to me and my family.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

lexis nexis has blatantly declines to delete information which has so many inaccuracies. I called LexisNexis to verify why are they sharing incorrect information and why is it they send me a report with so many inaccuracies. I told them the integrity of the data is shows so much inaccuracies and I need it to be deleted based on the FCRA US 15 1681M A security freeze was placed on my LexisNexis report on XX/XX/2021 and XX/XX/2021
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I had several accounts with information that is not correctly dealing with an account from XXXX XXXX XXXX # XXXX this account is not accurate!! This balance was PAID in full with the original creditor XXXX XXXX. i do not know how the account ended up with a 3rd party collection when it was already paid. Next account is XXXX XXXX XXXX XXXX is showing 3 late payments when the balance was actually paid in full as well. My income was impacted by COVID-19 and I had already called in requested accommodations to assist with the late payment arrangements to protect my credit profile under the executive orders to help with the impact of COVID-19 under the CARES ACT.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I had several accounts with information that is not correctly dealing with an account from XXXX XXXX XXXX # XXXX this account is not accurate!! This balance was PAID in full with the original creditor XXXX XXXX. i do not know how the account ended up with a 3rd party collection when it was already paid. Next account is XXXX XXXX XXXX XXXX is showing 3 late payments when the balance was actually paid in full as well. My income was impacted by COVID-19 and I had already called in requested accommodations to assist with the late payment arrangements to protect my credit profile under the executive orders to help with the impact of COVID-19 under the CARES ACT.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that isb still reporting on my account : XXXX-Date of XXXX XX/XX/XXXX
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following account : -XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX # XXXX -CAPITAL ONE # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX AUTO # XXXX ( XXXX ) -XXXX XXXX XXXX. # XXXX -XXXX XXXX # XXXX
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I'VE SUBMITTED MY PAPERWORK REGARDING THESE ACCOUNTS SEVERAL TIMES AND THEY KEPT COMING BACK SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I'M NOT SURE WHAT TO DO EXCEPT KEEP SENDING IT BACK.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCS Financial Services, Inc. (AZ)

Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions PER the consumer to whom it relates. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX  OF AZ XXXX XXXX, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws.
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX and Im a customer of Bank of America. The bank of located in XXXX XXXX, ca zip code is XXXXthey have three staffs helping out those who has needs for wiring/transfer needs! 

Today I make a transfer I come in the bank and I sign in thinking I will get seen soon but the people with an appointment get seen first, making me wait for over an hour. Which is unfair for those who are waiting!
Consumer complaint received 2022-01-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (AZ)

We paid off the loan through Honda Finance online through the Honda finance website using money in our XXXX XXXX XXXXXXXX checking account on XX/XX/XXXX for approximately {$12000.00}. We plan to title the car over to my son. The funds cleared my checking account by XX/XX/XXXX and the loan on the Honda Finance account shows a zero balance. on XX/XX/XXXX I checked with the Arizona XXXX and the lean we still showing on the title. I called XXXX XXXX and they confirmed a zero balance but refused to send a lean release before 10 days after the payoff unless I sent documentation of all of the transactions in my checking account to them. I do not believe I should be require to disclose all of the data in by checking account statement for the loan payoff and other transactions to obtain a lean release on my car 7 days after it was paid off and after they received the money an my loan balance is zero. I sent a copy of my checking account activity statement showing just the transaction for payoff but they deemed that not acceptable.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (MN)

In XXXX a company called AMERICAN ACCOUNTS ADVISORS Located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent me a letter stating I owed them {$310.00}. 

I had never seen a previous bill from anyone else for that amount. I realize they are debt collector anc not the original debtor. I asked them to tell me who the original debtor was and what services they provided me. They did not have an answer to either question. 

I am more than happy to pay a bill I owe, but I refuse to reward con-artists and scammers. They should at least be able to tell me who the original debtor is. 

My guess is they found my personal info somewhere and just reported me to the credit bureau in an effort to extort me. 

Please help
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

I had a vehicle loan with Santander USA, We reached a settlement and they told me once debt was satisfied they would delete from all 3 credit reporting agencies. I paid debt off and it's still showing up on my credit reports.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.