davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (VA)

On  XXXX   XXXX ,  XXXX  we inquired about opening a business checking account at  PNC Bank   XXXX , VA branch. The loan officer,  XXXX   XXXX  took down our information. We did not yet have the completed operating agreement from our attorney and we stated as such. She proceeded to open the account anyway and then harass us for the documents ( presumably because she should n't have opened it without  them ). U pon receiving them, we forwarded to the bank and I called and spoke with the  manager  around the unprofessional nature and questionable actions taken by  XXXX  including missing debit cards, mis-handled personal information written in a notebook etc.  Subsequently  on  XXXX   XXXX ,  XXXX  I noticed a series of fees and then a change to our account. Upon calling PNC customer service, I found out that the account had been converted to a different type of account without my consent. In the discussion, it became clear the account had been opened in an account type that was sure to incur fees past the initial period based on our intended use. It was never discussed with us that we were not being put into the base account. I raised the question with the representative if  XXXX  might have been incented to open the higher account type at the time, and then went in and adjusted the account when it started earning fees, without notification to me as the account holder. At this question, the issue was escalated. I was put in touch with  XXXX   XXXX  in Executive Client Relations Case Reference :  XXXX . I spoke with  XXXX   XXXX  and relayed the actions and my concerns. I never heard back regarding my complaint. I followed up with  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . Upon speaking to her on the phone, I was told that the issue had been investigated and the employee in question would not make this mistake again. I expressed concern that my account had been changed without my express consent and the bank never so much as followed up with me past the complaint to reassure that my account was secure and the issue had been resolved. To which the only response I received from  XXXX   XXXX  was " that is on me, I have n't gotten to writing you a letter. '' I have been a customer of  PNC  Bank since  XXXX  and am appalled at the lack of attention to this egregious action and utter lack of response to reassure and respond to the account holder. This experience was unacceptable and did not instill confidence in the security of my accounts.
Consumer complaint received 2017-06-20
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: Experian Information Solutions Inc. (GA)

XXXX XXXX was removed and re inserted on my credit report without properly notifying me within 5days and according to the FCRA this is illegal.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (WI)

I submitted a dispute to EOS CCA also known as Collecto Inc., on X/X/17 regarding an unverified debt not owed. They are claiming account number XXXX for {$190.00} is valid. The debt is invalid and EOS CCA is not licensed or bonded to collect in the State of Wisconsin. I demand that they cease and desist all collection activities for the referenced account.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (KS)

I purchased two flight tickets with my XXXX XXXX XXXX from Barclays for $ XXXX, and the charge back process at Barclays is totally a failure. The tickets were from XXXX XXXX. 

The flights were terribly delayed for several hours and it was delayed for twice as long. Upon entering the cabin, the flight crews can't get roster right, and that caused over half hour delay in the jet cabin on ground. 

I started a chargeback, and Barclays refused to investigate first, with the sole reason as the flight was flown. I refused to accept the careless decision and I followed next steps for dispute. Now Barclays refuses to honor the chargeback with a ridiculous reason that I was on flight.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY ()

I used TD bank to provide a mortgage ( 75 % ) on a coop in the upper east side of  XXXX . At the end of  XXXX , TD provided a rate lock-in at 4.125 % for 60 days. The process of getting a commitment letter from TD ( so that it could go to the board ) took forever, Each request for info was provided within 24 hrs, yet each time it went back to the underwriter, and another set of documents was requested. Even the appraisal process was drawn out. The appraisal was done on  XX/XX/XXXX , yet the appraisal was not approved by TD for another 11 days. There is a term for this -- Moral hazard. The bank gains advantage in rate lock in fees if it delays the processing. It took TD almost 6 weeks from the initial rate lock in at the end of   XXXX   to the time they issued the approval letter that I needed for the coop. By the middle of  XXXX , it was clear that signing would not occur by the end of the lock in period, so I emailed my mortgage broker at TD a request to extend the rate lock-in period at no cost, because of the extenuating circumstances. He replied that he would look into the matter, and sure enough a few days later the documents from TD showed an extension of one month ( end of  XXXX  ).
<P/>
At closing, I was surprised to see a rate lock in charge of over {$2000.00}. This corresponded to 6 periods of 5 days, each at {$340.00}. The signing took place on  XX/XX/XXXX , and TD did return half the amount. My position is that it was the result of slow processing by the bank that caused the need for a rate lock -in extension in the first place, and that if I ask for a no cost extension, and it is granted without specifying that indeed it would cost me, then this is not correct. Not saying " No, this will cost you '' and then providing the service is equivalent to consenting to my request.
<P/>
An example of moral hazard in this context is available at (   XXXX   XXXX   ) :   XXXX   XXXX   XXXX
Consumer complaint received 2017-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY (MS)

Vehicle purchased in XXXX 2027. : Was taken to the shop twice.. found to have rust on part and needed replacement. XXXX found rust.. extended warranty refused to pay. Could not afford to keep paying for towing and repairs and pay car payment ..made no sense to have vehicle for three months and have this much trouble.. asked the company to pick it up. Dealership said they had nothing to do with it.. finance company said I would be volunteering abandoning. Unfortunately that 's how it will have to be I am not paying for that lemon. If the transmission has rust there is no telling what else is wrong. I will just take a change on my credit for the next seven years.
I could understand if it had been at least a year or even six months. But I just got it in XXXX. So I 'll suffer they just need to get their vehicle. I am NOT PAYING.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My husband and I have disputed XXXX several times. Each time it comes back as verified. I am have been disputing the loan amount, past due amount, payment history and account status. This dispute comes back the same each and every time.. Recently I received a letter from Transunion which states they verified name, address, and social and updated everything else. Well what they verified was not in question. How can they update information without contacting the creditor, I was told XXXX was never contacted by Transunion. I have included a copy of my credit reportXXXX XXXX letters from XXXX, an email between the CEO of XXXX and myself, and the XXXX letters from Transunion. I am ask Transunion to stop breaking the FCRA laws.
Consumer complaint received 2017-06-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Receivables Management Corporation of America (AR)

There a re five steps to submit your complaint : Step 1 : What  is this complaint about?  <P/> RMC Of America {$350.00} lawsuit filed against me in error. I have the letters stating it. They removed it from my credit bureau after I spent months dealing with it. However, the debt wa s 2 years old a nd the employer I was working for at that time said the debt was " written off ''. When I expressed to him I was going to move my company a few months ago he started planning a way to hurt me and put me out of business. I am suing over it. He affected my credit, my bank account funds because he was using my construction company but not paying it and forced me out of house and home. He is now trying to state an unlawful detainer even though I was never actually given a reason. I was treated in the manner of " either quit or resign or else ''. I have it on camera and proof of this man.  <P/> Step 2 : What type of problem are you having?   Unable to use my credit because it was so poorly affected. I have never been late or denied for anything in my life. I am unable to buy a house to move from that situation. Not only that he hurt my cash liquid funds and I have lost so many contract jobs over it. I was never served a notice of " warning '' for a lawsuit or any late notice. In fact, I made communications about this by email as his office was not very organized with this sort of thing.  XXXX  thought it is no big deal, but it has highly affected my credit even after it was removed.  <P/><P/> Ste p 3 : W hat happened?  <P/> Read above^^^ Step  4 : What co mpany is this complaint about?  <P/>   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   XXXX   Step  5 :  Who are the people involved?    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

I have a mortgage that was being reported to all  3  credit bureaus for since its opening in   XXXX   XXXX    , suddenly my positive mortgage payments now stated mortgage paid and account closed which caused a significant drop in my score. However my mortgage was not paid off and I am still paying my mortgage but nothing is reflecting on my Equifax credit report but is showing up on   XXXX   and  XXXX  I  have contacted my mortgage company and Equifax numerous time and my mortgage company assures me they are reporting correctly and even provided a certified letter as proof and for me to submit to Equifax. However equifax is saying that since they do not see the account then there is nothing to dispute and everytime I call they are not understanding that I am asking them to update and add my account back as my mortgage company   XXXX   XXXX   is even asking them to do. I have a valid, pays as agreed account that the mortgage company says should be reported to Equifax as it being done with the other  two  bureaus and Equifax is refusing to do so, even with calls from my mortgage company and submitted written documentation. No one ever authorized any change or submitted any proof of payoff. When I talked with an Equfax rep they said it was updated to that and then removed because a dispute was not responded too, however my dispute was only regarding the balance because my account wasnt updating to show monthly payments and was always months behind. I can not get any assistance and not only did this make my score drop by almost  40  points when it was removed, the positive payment history is not there to even improve my credit rating. I need help badly with getting Equifax to understand.
Consumer complaint received 2018-08-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I was on the phone with Navient today to get my payment plan resolved and spoke with two girls, one was XXXX and the other I dont recall her name. The only options they were giving me because Im out of work was interest only which I was ok with making one payment to become current but couldnt promise any near future payments because I am out of work. I want to be responsible and come up with a good resolution for my circumstances. When they teamseferred me to XXXX XXXX or XXXX not sure. She was so rude, unhelpful and mean. She pretty much accused me of still having work and that she cant grant me hardship because she believes I am still working. I was so offended by this treatment because she had no right telling me Im working when Im not. Im not currently working and would like some aid/help in my position. Im still in awe with her treatment of me and disrespect. I wouldnt wish that on my worst enemy.
Consumer complaint received 2018-10-29
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. (IL)

I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX  XXXX XXXX XXXX # XXXX, This account is a duplicate please delete XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.
Consumer complaint received 2018-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (TX)

I have repeatedly requested proof of this medical debt being mine but the address wasnt mine, I didnt have a child at that hospital, and I lived in a different state at the time the claimed services were provided. They wont send me any proof with an actual signature and I sent a copy of my lease at the time they claim I had services. I was also sent a full copy of the persons medical information which is a violation of HIPPA. They have multiple collections on my report and refuse to remove any of them and theyre charging interest on it so its hurting my score more and more. I have gone 3 or four rounds with these people.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regarding the account XXXX XXXX XXXX XXXX  XXXX on my Transunion Credit Report : Transunion received a complaint XXXX the CFPB regarding an account on my credit report, and Transunion opened a dispute XXXX I was notified of the dispute results, which showed that the account was delinquent. Before the complaint, the account was not reported as delinquent. 

Also, my rights have been violated. Per FCRA Failing to list a disputed debt as disputed is an FCRA VIOLATION. Once you dispute a debt to a credit reporting agency, they must report that debt as disputed on your credit file and in your credit reports. Also, suppose you dispute a debt to XXXXne of the three major credit reporting agencies ( XXXX, TransUnion, or XXXX ). In that case, that particular agency must notify the other two bureaus that you dispute the debt. Failing to list the account as disputed, after a valid dispute has been sent to the credit reporting agency, is a violation of the FCRA.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Had a dispute against XXXX XXXX XXXX XXXX, hereinafter referred to as, XXXX and Experian Credit reporting. 
Experian claims they removed the disputed account as XXXX did not respond to the dispute in a timely fashion. Inn a chat conversation with XXXX they stated they resolved the situation and the account would be reinstated on my account. The account has XXXX remaining payments on a 72 month installment. The removal has damaged my credit by lowering my score and being downgraded. 
The account has never been late and is a big part of my credit history. As a result of XXXX  inability to report and respond to a dispute Im being punished by Experian as a result of the account being removed. If not reinstated it will not appear as a closed account, as if the loan never existed and cause irreparable permanent damage. 
The account needs to be reinstated so I can pay off the balance and end the disputes.
Consumer complaint received 2017-04-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JH Portfolio Debt Equities, LLC (NC)

I received a letter from Credit Control LLC on   XXXX   claiming they are collecting a debt in the amount of {$460.00} from an account in my name from   XXXX   XXXX  . I do not owe this, so I contacted Credit Control LLC immediately and asked for validation of this debt. Never heard from them. I contacted CFPB on  XX/XX/XXXX  and filed a complaint about this issue. Credit Control LLC responded to me through online portal for CFPB on  XX/XX/XXXX  stating that they would stop all contact and collections until they had sent me validation.  XXXX  days have past I never received validity of this claim. However, Credit Control LLC has reported on my credit file under the name Credit Control LLC and also under the name  XXXX   XXXX   XXXX  as if they have validity of this claim and as if I have received from them validity of this claim, of which I have not. And caused my credit file to take a   XXXX    digit decline.I have never done business with either of these companies and have no outstanding collection accounts until they hit me  XXXX  with their claim. They claim an account number ending in  XXXX  is an account they own and are collecting from me, but after  XXXX  days has not given me any validation to this claim.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

It seems to me Capital One is practicing fraud regarding my Capital One credit cards. I have contacted Capital One for the past several months to resolve these items and each time I am on the phone for hours with the problem not being resolved. 

Capital One is charging me for 2 XXXX charges on one of my accounts, items that I did not purchase. I have contacted Capital One on multiple occasions regarding these charges. The names of the purchased items are not listed and neither is the name of the merchant. However, Capital One is stating they do not have a name for the merchant and that the merchant has provided proof that I made these two purchases in XX/XX/XXXX and XX/XX/XXXX. I have not made these purchases, was not provided with the name of the vendor, was not provided with the name of the items purchased, and have never used XXXX XXXX. Yet Capital One refuses to remove these charges from my account. 

Also, Capital One is charging me on another of my accounts for an XXXX returned at my own expense. Capital One has refused to reimburse me for an XXXX that was returned in XX/XX/XXXX a few days after being purchased, and replaced with another XXXX purchased in XX/XX/XXXX using my CapitalOne credit card. 

I have contacted Capital One on multiple occasions to resolve these issues with my account and Capital One has refused to reimburse my account for these items that were not purchased on one account and returned on the other.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my consumer reports and I noticed that I had 5 collections I was in fact never late on or have knowledge of. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have listed below. 
account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX .This is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting if not deleted.