davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (FL)

Purchased a new vehicle XX/XX/XXXX ; First payment due XX/XX/XXXX. Monthly payments {$490.00}. Mailed in 7 mths of pmts with coupons to pay thru XX/XX/XXXX. No issues. In XX/XX/XXXX ( XX/XX/XXXX ) went into a local branch ( branches are not near my home-FYI ) with coupons from XX/XX/XXXX-XX/XX/XXXX to pay 6mths worth of payments. Check {$2900.00} ; 6 pmts. XX/XX/XXXX ( a couple days ago ) received a late notice and late fee for XX/XX/XXXX payment. I called XXXX this morning XX/XX/XXXX to state NOT true paid late XX/XX/XXXX thru XX/XX/XXXX. Had to speak to escalation Manager XXXX XXXX, as no one in customer service seem to understand how to correct. Everyone I spoke including XXXX kept stating my contract does not allow payments to be paid in advance ... .Told her this was not the case as I already did it last year?? ( FYI calls stated they were being recorded so they should be able to pull info ). I allowed my wife to speak to them as she better understands all of this and works on consumers behalf in her line of work. I am lodging complaint for the following : 1. PNC bank does not allow pmt online for my loan unless I open a PNC acct -- THUS taking away my chose to choose. 2. PNC customer service wants to send back over payment instead of applying it properly -- XXXX stated I would have to write separate checks for each payment so that they can apply. 3. XXXX continued to separate PNC customer service from what the branch misapplied as if they are separate institutions. 4. All customer service reps and XXXX who is an escalation manager tried to get me to believe it was my contract that states early payment not allowed when they accepted the payments last year. I asked for a removal of late fees, for this to not hurt my credit as it is excellent and I was forced to accept a payment of {$2400.00} back as she stated they could not apply????? Who does n't want to get paid??? My wife put out several tweets to @ PNC and @ CFPB to get someone to respond. I went to a branch in XXXX Florida and the manager there said he would see what he could do to help. I 'm just not sure why is this not an easy fix? If I could pay online I would have this issue. I should not be forced to write 6 different checks for you to apply 6 pmts??? I pay for these checks and should be able to pay you as legal tender with only one!!
Consumer complaint received 2017-03-26
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OH)

During the course of our Chapter XXXX repayment plan our lender failed to credit our account appropriately for XXXX payments. We have contacted them on several occasions over many years, but they have yet to credit our account properly. In each of our disputes, we provided the lender with the proof showing the payments have n't been properly applied and they still wo n't correct these accounting errors. They are as follows : 1. XXXX - Payment never applied, shows received on XXXX, principal balance is {$170000.00} before payment is received and remains that amount until XXXX. Payment shows in unapplied funds column of the payment history as provided by the lender. 
2. XXXX - Payment never applied because of reversal errors in accounting. The principal amount of our loan after the XXXX payment was {$160000.00}. A payment was made on XXXX. The lender applied the payment twice, then reversed the payment twice, then reapplied a payment, then reversed the payment. This left the balance at the end of XXXX after making a payment still showing {$160000.00}. 
3. XXXX - Payment never applied because of reversal accounting error. The principal balance at the beginning of the month was {$150000.00}. A payment was received on XXXX. It appears the payment posted twice but it only XXXX payment affected the balance. On XXXX, the payment was reversed causing the principal amount to go from {$150000.00} back to {>= $1,000,000}. Our payment for XXXX was received on XXXX and the lender contends that is the reapplication of the funds. However, we have shown proof, the XXXX payment was a new payment and not the reapplication. 
4. XXXX - Payment never applied because of Lender reversed it in XXXX. The payment shows being received on XXXX but not applied to the account until XXXX. This payment is inexplicably reversed on XXXX.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (MD)

Experian report # XXXX date XX/XX/XXXX. Dear Sir or Madam : The sole purpose of this letter is to have Experian remove inaccurate information disputed now 3 different times on my Experian credit report. 
On XX/XX/XXXX I sent a dispute letter to Experian asking them to remove an inaccurate account for a company called XXXX ( XXXX ) appearing on my report. I initially disputed the information with XXXX requesting debt validation to include the alleged balance and calculation, proof that the account is correct, documents showing that I agreed to pay this debt and agreement that grants authority to collect this debt. To date, I have not received this from them. The company in question XXXX, has been unable to provide me with validation. I received a response from Experian on XX/XX/XXXX regarding this dispute stating that the account was updated and not removed. I then called and spoke to a customer service agent XXXX on XX/XX/XXXX who then initiated a new dispute that would take 30 more days. The company responded to Experian on XX/XX/XXXX, with no validation and is currently reporting inaccurate name information in my report. This is inaccurate information and therefore ; according too the law should be deleted from my report because it is reporting inaccurately. I spoke to another customer service agent XXXX at Experian on XX/XX/XXXX and she initiated another 30 day dispute for the inaccurately reporting information. I should not have to wait another 30 days for removal of this account on my report. I am asking for removal of this account from my credit report immediately as I have waited beyond 30 days for the solution per the FCRA that states inaccurate information should be deleted. 

Sincerely, XXXX
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit card with XXXX XXXX was charged off in XXXX 2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to all XXXX credit bureaus. This is a huge concern. Please resolve this issue.
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION (SC)

Spanning over 2 years Navy Federal Credit Union ( NFCU ) mishandled documentation related to my mortgage account that resulted in inaccurate negative reporting to my credit report. In addition, NFCU 's mishandling resulted in 2 shorts sales falling through and then, only due to my retaining a lawyer to act on my behalf, did NFCU even begin to process a Deed in Lieu of Foreclosure under their " Borrower Assistance Program ''. The last correspondence received from NFCU approved a Deed in Lieu of Foreclosure. Following this, my lawyer and I heard nothing until I was served documentation advising that I had not appeared at a foreclosure hearing. I was not even notified that the property was being foreclosed upon. My lawyer was able to appear at a subsequent hearing where I was relieved of personal liability due to deficient notice. NFCU then reported on my credit reports that the property had been foreclosed upon - this is not the case, as I never received notice from them that the property was being foreclosed upon. To this day, I have not received anything that states the property was foreclosed and now belongs to NFCU. I need this foreclosure entry removed and a copy of a statement providing that the property now in fact belongs to NFCU. As a lender who primarily markets themselves to military members, the manner in which my account was handled was absolutely unacceptable and has had devastating effect on not only my credit reporting, but also my personal life. The XXXX and XXXX whilst on XXXX has been significant and only because of my retaining of a lawyer, did NFCU even respond to me after almost a year and a half of me trying to work with NFCU on my own.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I wrote letters to Capital One and XXXX asking them to investigate and REMOVE the inquires form my credit reports from XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with Capital One. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Customer 's Statement of the Problem : On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a XXXX ( XXXX ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted TransUnion Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through TransUnion was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, TransUnion removed some of the items I disputed, but not all. The items TransUnion left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the XXXX ( XXXX ACCOUNT ). On XX/XX/XXXX, I sent another certified letter to TransUnion in the attempt to have them remove the inaccurate items being reported on my credit report. Also, I informed TransUnion that if the Bankruptcy information, credit inquires, and the XXXX ( XXXX ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On XX/XX/XXXX I again received an updated version of my credit report from TransUnion. TransUnion refused to remove the false reporting material on my credit report once again. On my updated credit report TransUnion removed the XXXX account # XXXX that I am disputing in the Bankruptcy from being an Adverse Account to a Satisfactory Account. Not knowing how that was accomplished when the XXXX account # XXXX was included in a Bankruptcy. TransUnion went on to add another account to my credit report that is also being reported in a Bankruptcy that account is XXXX # XXXX. TransUnion continue to report these XXXX accounts as Adverse Accounts when both accounts are included in a Bankruptcy therefore neither account should be visual on my credit report. TransUnion also refuse to remove the XXXX ( XXXX ACCOUNT # XXXX ). TransUnion is reporting this account as being open. I informed TransUnion of the closing of the account in XXXX separate dispute letters. I also sent TransUnion the letter I obtained from XXXX ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Adverse Account being stated by TransUnion XXXX I have copies of all letters sent certified to TransUnion by me as they show proof of contact and effort to have these accounts removed. Also I have a letter from XXXX, which shows my account to be closed. I am seeking TransUnion to delete these accounts visually from my credit report.
Consumer complaint received 2017-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

on XXXX I financed a new XXXX pickup from XXXX, in XXXX ca. The salesman also sold me GAP protection, stating that if anything happened to the vehicle on a total loss that GAP will pay the outstanding balance. on XXXX I suffered a total loss of my XXXX XXXX pickup. I notified my insurance company, and Ally the finance company of the total loss. Ally stated verbally that the account was now frozen and would be in contact with the insurance company. My insurance company XXXX, settled their claim in the amount of XXXX, GAP was contacted and the process was started and all outstanding service contracts were refunded to the lender and noted as refundable items in the amount of XXXX. GAP determined the balance at the date of loss was XXXX after settlement and other credits the remaining balance would be XXXX upon conversation will Ally they stated verbally on the phone that everything was taken care of and they were in communication with GAP and that the account was paid and closed. During this time ALLY has reported me as late during my loss, then as current after they received the insurance payment, but never removed the late marks. Then at a much later time My credit report gets dinged again for late payments in XXXX thru XXXX as 120 days late. after many phone calls to resolve this matter nothing has happened, other than my credit getting ruined, I can not buy a house for my family to live in and all of my creditors have severely reduced my credit lines and have tarnished my reputation as a person and as a businessman, who relies on excellent credit to operate my businesses.
Consumer complaint received 2017-03-11
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

1. Excessive fees from checking acct. 
2. Denied access to My mothers acct while attempting to withdraw money to evacuate My XXXX y.o.Mother and pets prior to hurricane XXXX..I am Her XXXX and We had almost no money between Us. 
3. Reposesed My car the day before what We agreed on and I had the money from cashing My Social Security check. They took the car that night rather than the following day as agreed.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

I have had smooth sailing paying my XXXX mortgages with Wells Fargo for 14 years. I have a lot of equity. My wife and I lost XXXX family members in a tragedy unspeakable. My wife, a XXXX for 22 years had to resign with grief and health issues. Wells Fargo has mistakenly paid my property taxes several times changing my payment and apologizing by letter but still hurt me. I have been paying over the payment for 7 years!!! They then want to restructure but then add insurance etc I do n't need and it drags for months as they switch from person to person. I documented 36 calls in 3 months. Then out of the blue a foreclosure comes to my door???? I make my payment every month and they claim I am behind months? they cash my checks but do n't apply? WE are taking this nationally how we have been treated during our horrid nightmare. I need help with this so bad I cant take this XXXX every day. XXXX
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AL)

Tried to get my free annual credit report thru Equifax. The security questions I was asked had nothing to do with me, so I was denied to see my credit report. Then, Equifax had a trial program for {$4.00}. So, I put in the same information as earlier, and what do you know, I was able to get my credit report. Equifax did the same thing last year, as well as XXXX. Well, I forgot to cancel the trial membership, and so I was charged {$19.00} for a month 's access to my credit report. This is done intentionally so people like me will pay for something, by law, is free.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy send it to me per credit law. Otherwise please have it removed upon receipt of this official notice.
Consumer complaint received 2017-02-07
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: REGIONS FINANCIAL CORPORATION (CA)

Someone used my prepaid card. I contacted them immediately and told them that I was working at the moment, and I asked them to stop the transactions. Ive already sent them proof. But they told me to speak to the store, and the store told me that they cant do anything. Several days have gone by nowthis happened on XX/XX/2016, and I still dont have an answer.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (MD)

I agreed to retrieve my Experian credit report for {$1.00}, but was signed up without my knowledge for a membership costing {$21.00} per month, and I did n't know until I was charged this past week. I have tried to contact the company, but was put on hold for 30 minutes.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (LA)

I have sent certified mail four times to Experian ... I 've been disputing UNVERIFIED accounts on my credit report. I 've followed their protocol request to contact creditors per my phone conversation with Experian dispute department on all unverified creditors. Every creditor have advised me that they do n't and will not contact credit bureaus under any circumstances ... They only give information once bureau requests info from them. If this is the case why Is n't the requested information I 've been requesting honored ... This inaccurate/derrogatory information is sincerely hindering my ability to refinance my properties which ballon payments are coming due in XX/XX/2017. I 've been fighting with Experian since XXXX of this year 2017. They 've not addressed any/all the derrogatory information in my credit report as of XX/XX/2017. I 'm requesting assistance in this delicate situation. Thanks.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

Back in XX/XX/XXXX my XXXX mortgage was taken over by Greentree Mtge. I sent a payment to XXXX and then Greentree said I had a payment of NSF. I sent you a complain back in XX/XX/XXXX about this. Since then Ditech has taken over for Greentree, still telling me I owed this money. I recently sent them a copy of a cancelled check cashed by XXXX. Now I received a letter stating they did receive this money and are now picking a new date telling me I had non sufficient funds XX/XX/XXXX, which I did not. I have my bank statement showing my payment. I have seen so many complaints against Greentree so now I assume by changing their name to Ditech, it 's no different. I have statements and statements showing all my payments. I have never ever defaulted on a mortgage payment and these people keep harassing me. Someone needs to do something about this. I just faxed them my bank statement from XX/XX/XXXX showing the two payments made, neither are for the amount they are claiming was return from my bank, both payments were for more money. Please help and stop these people from harassing me. I owed so little on this house and they are threatening me with foreclosure. How does a company like this stay in business???
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The List of items below are being reported incorrectly by Transunion and some are not even my accounts. I have provided them with information just as police reports, and ID Theft Affidavit and they continue to report the information. I have also provided the same information to all the creditors too. Please help me restore my credit report to the correct information.
Consumer complaint received 2017-03-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (NJ)

I called last month to PNC Bank to make sure that no direct debit out of my account since I do n't have any money in the account. Below is also the communication I had with one of their customer service team. { Thank you for choosing PNC Bank. This chat may be monitored for quality assurance purposes. The next available Online Consultant will be with you. 
Hello, this is XXXX. Thank you for choosing to use our online chat service. 
XXXX : Good Morning and welcome to PNC Chat! I 'm a Chat Consultant located in XXXX, PA. How may I help you today XXXX : I have not heard from you for a few moments. Are you still with me? 
XXXX : Hi, I want to make sure that PNC will not allow any payment request made in the checking account, since I do n't have any fund in the account. I do n't want to get charged insufficient fund fees XXXX : Hi XXXX, I would be more than happy to look into that request for you! Did you set up a payment to another company from your Checking Account? If so, how much was it and when was it done? 
XXXX : not that I am aware of XXXX : just make sure or post a note on the account that no payment is allowed until further notice. can you do that for me? 
XXXX : Sorry, are you expecting a payment to post to your account? I see that you are Opted Out of Overdraft Coverage, which means that you have not given PNC authorization to pay ATM and one-time debit card transactions into overdraft. This does not include checks, recurring debit card payments, non-PIN based debit card transactions or ACH debits where you have made and agreement with a merchant. 
XXXX : If a transaction comes through that is a check, pre-authorized payments and non-PIN debit card purchases may be presented to the account even if there are not funds. 
XXXX : no check will come through for now XXXX : Perfect! As long as nothing is scheduled to come through the account then you should be all set! In the case that an unauthorized transaction comes through, we can dispute that transaction and add all fees to the dispute to reimburse you. 
XXXX : ok thanks! 
XXXX : You 're welcome! May I address any additional concerns today in chat XXXX? 
XXXX : I am all set. thanks } I also called the merchant to do the same as well. However, PNC still allow the transaction to go through not once but 3x. In the process to charge me insufficient fund fee, returned fee. Does n't bank has a fiduciary duty to their bank account customers? So what I ever I requested on my account has no baring to what the bank want to do to make money.