davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

Hi, I deposited a check on XX/XX/2022 at PNC bank in the amount of {$7200.00}. I recieved a note from PNC bank stating the funds won't be available for 10 days. The check has cleared, and PNC has the money and still have not released it. It's been 55 days and they have not released my funds.. I am in my senior year at the XXXX  XXXX XXXX and my account at PNC bank has always been in good standing. Thank you for you help. XXXX XXXX
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I started receiving numerous robocalls from  Southwest Credit Systems  several times a day from different numbers, all tracing back to them, about a bill they are trying to collect on. One day I answered and told them to cease and desist after they tried to get me to verify an account. I told them to send me any communication they need to in the mail. They proceeded to report the account on all  3  of my credit bureau reports. I do not owe this compan y ( Southwest Credit Systems ).  I have not signed anything with them. I do not have a contract with THEM. They called multiple times before the cease and desist request, in an attempt to abuse and harass. The called from  XXXX  twice in a row on  X/XX/17   , from  XXXX  twice in a row on  X/XX/17   .  XXXX  2 times in a row at  XXXX  and 2 times in a row at  XXXX  and  XXXX  on  X/XX/17   . From  XXXX  on  XXXX  and  XXXX . They called 6 times from  XXXX  on  XXXX .  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  and 6 times from same number on  XXXX .  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX ,  XXXX . I know this because I have screenshot all of these calls, all made during a time when I was at work and could not answer the phone. Again, I do not have a written contract with this company and they have not sent me anything showing my signature on anything I owe to THEM.
Consumer complaint received 2020-05-27
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. (FL)

This in a formal complaint against Experian. Because you are reporting false, incorrect, fraudulent information. For violating federal laws, for defamation, for reporting addresses that do not identify me. For reporting accounts that you have not verified, because these accounts you reported were opened under fraud, without my authorization and without my permission. I want to manifest that I am doing this myself under my conscience, because I realized that they take my disputes frivolously. I am tired, stressed and exhausted from calling so much on the phone and that their agents are so disrespectful, she answers rudely, are they making fun of me? in my face, they speak to me in a sarcastic way, how unprofessional to tell me in my face that my policy reports have no doubts about their expectations, perhaps they insinuate that they are false??? that awkwardness ( IS IT A VICTIM OF IDENTITY THEFT IS A WONDER? ), Now as you have the audacity to say that the documents you sent them are false??? In view of the seriousness of the matter, request that Experian, number 1- Contact the Police Agency where he made my legal complaint of my Identity Theft and verify the veracity of my documents, 2- Block fraudulent information, such as what established by Federal Law. And there is something in particular that I request and that is why they don't do their job as it is? He requested that the  reporting address harm me because that is where he had the fraud, every time I call to dispute incorrect information, I literally replied : WE CAN NOT BLOCK THIS ACCOUNT AGAIN BECAUSE IT WAS UNLOCKED BY THE COMPANY, WE CAN NOT BLOCK THE ADDRESS BECAUSE THE COMPANIES REPORT THEM. BREAK THAT ACCORDING TO THE LAWS OF EXPERIAN. WHY CAN'T DISPUTE FRAUDULENT INFORMATION? 2 YEARS AGO A VERY PARTICULAR EVENT OCCURRED IDENTIFYING WHAT IS HAPPENING. AN AGENT IN A CALL WAS VERY SARCASTIC? SAID YOUR POLITICAL REPORT DOES NOT MEET EXPERIAN STANDARDS?? ASKED AND AS EXPERIENCED HOW AS DBE TO BE A POLITICAL REPORT??? THEN 2 MONTHS PASSED AND THAT AGENT CALLED ME ON THE PHONE? APOLOGIZING AND SAID ME. ON BEHALF OF EXPERIAN I APOLOGIZE YOU FOR WHAT HAPPENED AND WE WERE VERIFY THAT YOUR INFORMATION IS CORRECT AND LEGAL, I WILL PROCEED TO BLOCK THE INFORMATION YOU HAVE. I REQUEST TO BLOCK THESE FRAUDULENT ACCOUNTS : XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SERVICES. AS WELL AS ALL THE PERSONAL INFORMATION AND ADDRESSES I SEND WELL SPECIFIED IN MY LETTERS, I AM SUPPORTED WITH ALL LEGAL DOCUMENTATION TO REQUEST THE IMMEDIATE BLOCKING OF ALL THE INCORRECT AND FRAUDULENT INFORMATION THAT IS BEING IN MY REPORT. 

The following are the accounts that should be blocked and removed immediately : 1 ) XXXX  XXXX XXXX, ACCOUNT NUMBER # XXXX 2 ) XXXX  XXXX XXXX, ACCOUNT NUMBER # XXXX 3 ) XXXX XXXX SERVICES, ACCOUNT NUMBER # XXXX XXXX ) XXXX XXXX XXXX, ACCOUNT NUMBER # XXXX XXXX ) XXXX XXXX XXXX, ACCOUNT NUMBER # XXXX
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TN)

I received a payoff letter for my auto loan with Ally Financial. A few months later, Ally re-opened my account without my knowledge for a balance of {$15.00} in interest after they incorrectly applied my payment to a different account. This sent my account into charge-off status which is now heavily affecting my credit scores. I was able to dispute with XXXX and XXXX and have it removed by providing a copy of the original payoff letter, but when disputing with XXXX, it was not removed because Ally reported to XXXX during the dispute that the account was accurate. This is incorrect, as Ally made an error and this needs to be rectified.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I received a phone call in late XXXX from Macys notifying me that my bill was going to be over 30 days late. I authorized the minimum payment of {$360.00}. On XXXX XXXX I called Macys when I noticed that the XXXX had not cleared my bank. I went to my XXXX XXXX XXXX to confirm whether there was an attempt of this money to clear my account. There is no attempt and there was a significant balance available. My Macys statement shows that Macys tried to run the XXXX through my account ; but they could not and a reversal charge of {$27.00} was added to my account on XXXX XXXX. This is proof that I did authorize Macys to make the payment ; however, it was not processed.
Furthermore, I did not receive a call notifying of the issue. I noticed that it hadnt cleared my bank on XXXX XXXX and called Macys on XXXX XXXX. See my attached phone log. I dont recall the exact conversation but they didnt know why. I informed the person that I would send a payment {$600.00} via bill pay on XXXX XXXX. ( See attached XXXX XXXX payment history ). In this conversation, I asked the person if this would be reported to the credit bureau and she told me, No. Had she stated that it would be reported, I would have dealt with this immediately versus now. It was XXXX XXXX, when I had my credit run when I attempted to refinance my loan and learned of this recent reporting. While it is my responsibility to make timely payments, I made an effort to make a timely payment when youre credit office called me. That failed and I was not notified. I have attached my phone log, my XXXX XXXX XXXX statement for the month of XXXX and my Macys statement to show you that my payment for {$600.00} cleared my bank on XXXX/XXXX/17 and was posted to Macys on XXXX XXXX. This unfortunately is 3 days too late and you reported this to the credit bureau. I am disputing this as, I did attempt to make a timely payment in good faith and gave Macys authorization prior to XXXX XXXX, 2017.
Consumer complaint received 2020-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/2020 I sent copy of my Federal Trade Commission # XXXX identity theft report to Transunion, XXXX, and XXXX  via mail explaining that I've recently have become a victim of identity theft and that several accounts including XXXX  XXXX, XXXX, Ar child support, XXXX XXXX XXXX XXXX, and XXXX XXXX were opened and or established without my knowledge or consent. Since my dispute today marks day 38 days total and I've yet to have heard or received any correspondence from Transunion, XXXX, or XXXX. I checked my credit report this morning and these same accounts still remain reporting on my credit report. I still have several addresses that are currently displaying that were requested to be removed during the same time my initial dispute was sent to Transunion, XXXX, and XXXX. Since it has bee over 30 days and I've yet to receive any nor accurate verification period, Per the Fair Credit Reporting Act ; Transunion, XXXX, and XXXX  must delete all of the fraudulent accounts from my credit file and send me an updated copy after the deletions have been made. I exercising my rights per section 605b, 609, and 611. I will include a copy of my report with this complaint.
Consumer complaint received 2017-09-14
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. (CO)

Equifax gave me incorrect info when checking to see if I was impacted by their 2017 security breach. First I 'm told I 've been impacted, then I 'm told I have n't.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I sold a home and my title company wired my payoff money to BOA on XX/XX/20. BOA did not respond to the wire or acknowledge that the payment was received, nor did they post the amount. The title company and I attempted to contact the bank numerous times, but they don't answer their calls. I called several times waiting hours and not getting through, my title company spent 5 hours on hold ... I went to my local branch several times and once waited on hold with the bank for 3 hours and they couldn't even get through on the phone. As a result of BOA not answering calls, another attempt was made to wire the funds and BOA didn't respond to that either. Today is day 17 and my funds have not yet posted. I am livid and worried. After numerous hours of wasted time, I can't get BOA to acknowledge the receipt of my funds and they continue to add interest and penalties will soon follow as I am not making mortgage payments on a home I sold. I am extremely worried about the funds, about my credit and about additional fees through no fault of my own. I think it's outrageous for BOA not to have to do their actual job, they blame it on COVID but I deal with 3 other banks that can answer their phones, see me in person and do their jobs.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card on my report that opens XXXX and closed XXXX. I was told they are not suppose to be on there after 7 years. Its been almost 10.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NC)

I Emailed the company on XXXX XXXX a Debt Validation letter and they have not responded and has updated my credit report without following the FTC guidelines.they continue to add interest to a closed charged off account. 

Here is the update status on my credit report from XXXX XXXX XXXX. 

XXXX XXXX XXXX Original creditor : XXXX XXXX {$880.00} Balance updated XX/XX/2020 Contact XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX
Consumer complaint received 2017-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

To  Midland Funding, LLC T his compliant is being sent to you in response to a complaint reponse sent to me on (  XXXX / XXXX / 17  ) Be advised this is not a refusa l to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ),  stating your claim is disputed and validation is requested.     This is NOT a request for verification or proof of my mailing address, but a request fo  r VALIDATION made pursuant to the above na
med Title and Section. I respectfully request your offices provide me with competent evid  ence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus (   XXXX   XXXX   XXXX   XXXX   ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, If you do not c  omply with this request, I will immediately file a complaint with the Federal Trade Commission and the [  XXXX  ] Attorney Generals office. Civil and criminal claims will be pursued.     If your offices are able to provide the proper documentation as requested in the followi ng Declaration, I will require at least 30 days to investigate this information. Also during this validation  period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

On the Experian web side it said u can check your credit score for $ XXXX for one week free try they charge me {$21.00} and subscribe me before the end of the free try I called on three way call with my bank to have a refund they refuse, and I asked to cancelled the subscription
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

I had fraud on my XXXX card from Barclays bank. The total was close to XXXX dollars. There were 82 separate charges from XXXX XXXX on my card on XX/XX/XXXX alone. Barclays did not find this to be unusual for some reason so they never alerted me nor protected me from this fraud, since I never authorized any of these charges. Barclays initially credited me back XXXX Dollars, but another XXXX, XXXX came in on the replacement card they sent me ; a card I never activated. I alerted Barclays fraud department ( XXXX ) to this continuing fraud and they advised me that they would credit me back the new account. Then things got strange. I received two letter from Barclays dated XXXX the XXXX. One said that I was not responsible for the fraud, therefore I would be credited the entire amount, the other said I was responsible. I contacted their fraud department multiple times, and they advised me To get a hold of XXXX, because they could not, in order to have XXXX prove it was fraud. ( XXXX has no live person you can speak to ). Match tuned to XXXX, fraud Agent XXXX told me that all XXXX XXXX charges would be removed. They were not. Fraud agent XXXX Told me the same thing at the end of XXXX. Nothing. I closed the Barclays account, my XXXX XXXX account and my XXXX account, where I lost all of my XXXX travel points, as they were my favorite airline. Fraud agent XXXX told me The case was still under investigation. Meanwhile, every month my bill comes in with the fraud on it accruing interest. They demand payment every month and refuse to help me. The number is close to XXXX XXXX dollars. It is almost XXXX. I contacted Barclays corporate and they refer me to their fraud dept. the Fraud department now doesnt answer because they are supposedly too busy. I filed a complaint with the Florida Attorney General yesterday. To add insult to injury Barclays declared my account past due, which made my credit score drop 40 points. I had no choice but to send them XXXX dollars this week. Earlier this month the same thing started happening to my XXXX XXXX card but their security immediately contacted me and were able to stop it after 10 fraudulent XXXX XXXX purchases. I had no choice but to close that account out of fear. Barclays corporate will not help and they are sending me a fraudulent bill every month. They did not protect my identity and now have negatively impacted my credit. Its been 7 months and I need help. Thank you.
Consumer complaint received 2016-01-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

During my time with Ocwen Mortgage, they changed my monthly payments to Bi-monthly. Once this occurred it seem like every month I would receive a late payment before my payment was even due. A few months they had reported me late before the XXXX of the month. I have been in contact with them several times and each time the answer is different. I currently sold my home but cant get a new loan due to them falsely reporting on my credit report. when I try to get this resolved I get the run around. When I finally got a phone number to call its to a pizza place. Every review online is the same thing. The people need to be stopped.
Consumer complaint received 2017-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CO)

I went to the Wells Fargo branch at XXXX XXXX XXXX in XXXX, Colorado in XXXX of 2017 and spoke to a banker by the name of XXXX. I explained to her that I needed to open a second checking account for the purpose of paying bills online, and she told me that an EasyPay account would be a good way to do that. When I began to use my EasyPay account to pay my bills in XX/XX/XXXX, I noticed that my payments were being reversed by Wells Fargo, despite having enough money to cover the payments in the account. I called Wells Fargo customer service on XX/XX/XXXX, 2017 to ask why my payments were being reversed, and the woman who took my call told me that my payees had released the funds for whatever reason, but they would be posting the transaction the next business day. I asked her if she was sure my payments were n't being reversed, and she said that she " sees this happen all the time when people pay their bills on the internet '', and not to worry.
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The next day, all of my bill payments had been officially reversed, resulting in late payments and fees on two of my credit cards, plus my car payment. I called customer service again, this time to complain to a supervisor, and I was told that my EasyPay account was not authorized for ACH withdrawals. I was very surprised, as the banker I had opened the account with at the branch had told me that this was exactly what people used this type of account for -- automated bill payments.
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I am extremely upset that Wells Fargo directed me toward this type of account as opposed to a regular checking account, despite me clearly stating to the banker what I intended to use it for. I am also upset that in my initial interaction with the customer service center, I was again mislead into believing that my bill payments were going to go through, and that I had nothing to worry about.
Consumer complaint received 2019-10-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This debt was originally with XXXX XXXX. 
Portfolio Recovery Associates / XXXX has violated FDCPA. They are illegally reporting incorrect information on my credit report and taking advantage of me. I never used their service. XXXX XXXX XXXX was a loan for dental work in XX/XX/15. I signed for a loan and I did not ever receive any dental services, and so I did not use the loan. I was called by the XXXX XXXX, and tried to explain this to the receptionist. It was not resolved and I did not know what to do, so I left it as it was. Later, I received collection notices and I finally got educated on disputing debts on a credit report. So, I wrote a letter to the Debt collector stating that I did not use the loan and would not be paying for services I did not receive. They sent a statement with the loan total, but not an itemized list of any services I received. I responded by writing that this statement did not prove that I received any services. Recently, I received a letter stating that the debt would be dropped if the debt collector did not respond by XX/XX/2019. I have learned my lesson since then, and have taken no other loans out. I had dental work and paid in payments and I have no other debts at this time.
Consumer complaint received 2017-06-15
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. (NY)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX    XXXX   Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from  XXXX .   I have contacted   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2020-05-27
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. (CA)

I AM A VICITM OF AN IDENTITY THEFT, AND THE COLLECTION ACCOUNTS ARE FRAUDULENT. I HAVE SENT ALL REQUIRED ITEMS HAVE BEEN SENT TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. EVERY TIME I SPEAK WITH EQUIFAX AGENT, THEY DON'T HAVE INFORMATION TO PROVIDE ON THE COLLECTION ACCOUNTS, I HAVE SENT THEM NOTARIZED IDENTITY THEFT.