davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IL)

This is complaint against XXXX XXXX XXXX, ( XXXX ) CEO The PNC Financial Services Group , Inc. c/o PNC Bank , N.A. for running criminal enterprise specializing in forgery of public records specifically related to mortgages to legitimize theft of people homes. XXXX was given notice of opportunity to settle a claim on XXXX XXXX against my property, but he kept silent and proceeded using deception to execute of his false claim. In said letter I wrote '' This XXXX XXXX subsidiary which still holds the people ( remnants ) of dissolved National City Mortgage , Co./National City Bank contrary to its banking mission, rather doing banking services focus on forgery and tampering of public documents and government records for purpose to use them under false pretense to take people 's homes which has been apparently more lucrative business then lending money '' XXXX  as CEO is a front man of several subsidiaries allows these satellites without restrictions prey on individual consumers, specifically concerning on mortgages where the stake is house, the most important asset of people. The complaint involves PNC Bank, N.A. in XXXX Ohio, an institution who forged public records of State of Ohio, which then paved them road to theft of my property. XXXX has been keeping XXXX eye on the crimes of his subsidiaries, knew that forgery of public documents took place, but did nothing to restrain them, thus is equally guilty for these crimes. Pleas note, that all replies to this complaint must be by XXXX only and have to be verified under penalty of perjury. No lawyer meddling in answer this complaint is acceptable.
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eagle Financial Services, Inc. (OH)

In XXXX I received a notice that a case had been filed against me by Eagle Loan and they were represented by XXXX XXXX XXXX Firm in XXXX, XXXX I had not one time ever received any notices/calls from Eagle about this issue. When I received this notification I reached out to the law firm to see what I could do. I have been waiting to get a response and nothing... I have attached all the emails where no one will assist me with this. 

Case number 2021 CVF XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (FL)

My identity was stolen in XX/XX/XXXX. In XX/XX/XXXX someone purchased a phone from a company called XXXX XXXX XXXX. This was fraud, I disputed it at the time. It went to collection in XX/XX/XXXX. The amount is {$1000.00}. The collection company listed on my XXXX is Security Credit Services in XXXX, XXXX XXXX I phoned them to let them know this is fraud, and they forwarded me to XXXX XXXX XXXX who they say owns the debt. Ive made them aware, and filed a dispute with XXXX. XXXX recommend I let the FTC know so they can help me as well. Please contact me with any questions XXXX. Thanks
Consumer complaint received 2022-01-07
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. (CA)

My credit file has no deliquencies, late paymnts, collection ever but every time I apply for a mortgage loan I get a letter from the bak or broker saying that I have delinquicies, late payments the time of the credit is too short even though I have creit from the late 80 's, but when I check my report from XXXX XXXX or credit cards its a different story. This is a scam and a way to deny XXXX  mortgages and single moms and they are all connected to practising blockbusting and proits from XXXX  to charge higher interests if anyone gets that far
Consumer complaint received 2016-04-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NV)

I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take 72hrs. Today is Wednesday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. I have contacted Ally and they keep telling me to wait but it has been more than their allotted time frame and I really need this document. When I request the letter to be sent overnight by XXXX they ask me to pay for it. Why should I pay for something that they are already late for it? Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank again.
Consumer complaint received 2015-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX XXXX, 2015, I sent a letter to Transunion along with a copy of my social security card advising them of information that is being reported on my credit file that is not mine. They have my credit file listed under XXXX XXXX and I sent them my social security card advising them that my name is XXXX XXXX XXXX spelled with an ( XXXX ) not and ( XXXX ). I also advised them of creditors that are reporting information to them for a XXXX XXXX which is not me. They have failed to correct their records and in accordance with the Debt Collections Act section 1629e ( 8 ), which clearly states that any information known to be false, can not be reported to any bureau.
Consumer complaint received 2015-08-13
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP (OH)

XXXX Visa gift cards issued by US Bank were purchased at the same time XX/XX/XXXX and location, the XXXX store, XXXX for {$500.00} and XXXX and XXXX for {$200.00} I have the receipt for the purchase. The {$500.00} card was lost so I called the number given to report the loss ( XXXX ) only to be told to send the information along with a receipt via fax to # XXXX this was on XX/XX/XXXX as of XX/XX/XXXX I got no response from anyone so again a call was made and was given the same instructions then again on XX/XX/XXXX at which time I asked for a supervisor only to be transferred to what they call an expediter only to be given the same instructions. On XX/XX/XXXX I called and again told same thing. This has dragged out now for some time and no one will say anything other than you have to fax the info to the number given and nothing else can be done until I hear from them, only I have never been contacted from anyone. I do n't believe at this point that they have any intention of doing so and wonder how many others they just ignore and hope they give up trying only to keep the money for them selves I feel they are scamming people out of a lot of money.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: SYNCHRONY FINANCIAL (TX)

The complaint that I have is with SYNCB/DKS. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay SYNCB/DKS. I have not received anything that I requested and it is still on my credit report from all XXXX of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (UT)

This three-year-old debt claim is from a purported close out bill from XXXX ( phone/internet/cable ) at a rental property I had in Florida. I never received a close out bill from them ( although I always received monthly invoices at my address of record out of state and paid in-full on-time every time. XXXX never directly contacted me regarding this outstanding amount. I received 3 calls from the bill collector. Each time I stated that I had not received a final bill from XXXX and would not pay any amount via a verbal phone request. I need to see a final payment adjustment invoice. I called ( and web site chat room ) XXXX regarding the this bill each time requesting a copy of the final bill. On one such call the rep admitted it had initially been sent to the rental property, not the address of record. Still, I never have received a copy of the bill. 

No one should be expected to pay something blindly without a formal bill in hand. I did everything a consumer could do short of flying cross country and knocking on their door. No company should be rewarded for bad business practices.
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (AZ)

I have receive several call over the past 2 years regarding payment. I signed up a gym called XXXX of XXXX, AZ. When I signed up, I had to provided my debit card. I was n't aware, that the club only offers auto-pay as the only option, so I cancelled the service. XXXX the charged me the introduction fee of {$10.00} and the next month payment of {$20.00}, and annual rate lock fee of {$49.00} and all within 2 days. I like to be able to make my payment myself, in order to control my back account. XXXX is trying to collect a balance of {$120.00}, that I do n't owe them.
Consumer complaint received 2015-04-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This company takes a variety of tactics to reclaim a debt. I first discovered an attempt to collect this debt after I was sued by this company. I did not show up to court, and they received a default judgement against me. The debtors then seized my assets which I proved were protected under the law and attempts to collect we 're closed by the court. After I had stopped them from taking my funds. For the last year, they have used a number of tactics to get this debt including contacting a 3rd party about my debt, reporting to the collection agencies when I disputed the account, and they reported the judgement entered to the credit agencies after I asked them to remove the debt. I had asked them to verify the debt after receiving the judgement, including my signature, but they never produced these documents. Instead they sent me old statements, which I know does not qualify as adequate verification of debt in the state of Illinois. They still are claiming that they have provided me with verification. I contacted the original creditor to see if I can dispute the debt with them directly, as this company is extremely difficult to deal with.
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I had a first mortgage and Seterus, Inc. was the servicing agent. My home was sold XXXX/XXXX/15 & the mortgage was paid off. Seterus overchanged me on the payoff statement for interest to XXXX/XXXX/15 in the amount of {$880.00} & flood insurance premium of {$490.00} that was not due until XXXX 2015. I was also due all the money in escrow for 2015 since not XXXX cent had been paid out for insurance and taxes in 2015. The escrow account should have had {$2300.00} in it. The total amount due to us is {$2800.00}. I received a check from them dated XXXX/XXXX/15 in the amount of {$880.00} XXXX overpayment of interest on closing statement ). I wrote them a detailed letter showing that they owed me and on XXXX/XXXX/15 they prepared an Escrow Account Statement XXXX this statement does not include XXXX and XXXX 2015, ) and it shows a XXXX balance. It notes that {$880.00} was deducted at a " Misc. Escrow ''. Then I received another check dated XXXX/XXXX/15 in the amount of {$490.00} XXXX overpayment on closing statement for Flood Insurance. I am still owed escrow payments for taxes and insurance from XXXX thro XXXX 2015 in the amount of {$2300.00}. Correspondence from Seterus says if you have any questions call them. I have called them many times only to be placed on hold for XXXX minutes and then told that they could not help me and my only way to resolve this was to write to them. These tactics appear to be designed to frustrate customers and are unfair and deceptive business practices. I want my escrow money that I am lawfully entitled to in the amount of {$2300.00}.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Deceptive practice, illegal repossession. Filed complaint with Attorney General. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating involuntarily repossession despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX. Reported and filed against Fair Credit Reporting, falsified information reported to credit agencies of involuntary repossession knowing such admittedly incorrect as I gave the keys. Such is under investigation with MA AG however credit report reflects incorrect. I have written statements from XXXX and is on video me handing over keys despite the repossession was illegal I atill handed keys and XXXX XXXX refused to return my car after written statement of amount owed was provided, and I went with full payment and XXXX XXXX discrimination and multiple threats and deceiptful statements said I am the bank and can take if I want irregardless of the loan. XXXX using false underwriting was aware as well. Written documents for months of deceptive practice and now left my credit damaged for years and did so with knowledge of illegal reporting
Consumer complaint received 2016-11-22
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Midwest Recovery Systems (PA)

Received calls that I had a payday loan. Any loan I ever had was paid in full Asked for written proof of the debt to be mailed to me. They would not. They claimed they had emailed us and sent us letters. Both untrue. We have had same email address for 15 years and same residence for 37 years. Feel the whole thing is a fraud.
Consumer complaint received 2021-12-25
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. (MA)

Deceptive practice, illegal repossession. Filed complaint with Attorney General. False reporting to credit as " involuntarily repossession ''. Falsely repossessing and breaching terms has been filed with AG Office. Credit agencies all show my credit as XXXX less now and with incorrect comments. Despite XXXX XXXX lawsuit of XXXX XXXX by MA AG, the company is still deceiving consumers and now I am without my vehicle despite following terms of my loan, resigned from job of 2 yrs and left homeless. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating " involuntarily repossession '' despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX.
Consumer complaint received 2016-05-29
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I received some amount on my PayPal account. At first they claimed that money was fraudlent activity so they requested that I provide a copy of the utility bills, telephone number, bank statements, and source of the funds so that they could validate my account. They have declined to read and to read the information which I provided. They have closed my account and claimed that the case can not be appealed. The sender has sent an email to them explaining the purpose of the transaction but they have not changed their decision.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Due to a financial difficulty in late XXXX, I entered into a monthly payment agreement with XXXX XXXX for 8 months. XXXX XXXX agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial difficulty. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. 

I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, XXXX XXXX recorded this period as late payments on my account, even though I was paying the minimum amount XXXX and myself agreed to. This is inaccurately reported on my XXXX, XXXX, and Equifax credit scores. I have disputed this item several times, and XXXX XXXX does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my family, with an unreasonable interest on our home mortgage.
Consumer complaint received 2021-12-25
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. (CA)

My identity was stolen and I had already submitted my identity theft report to you guys 30 days ago. It was for the account XXXX on date XX/XX/2020. Also I have the inquiries attached on the file that I would like removed as well due to my identity being stolen.
Consumer complaint received 2021-12-25
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)

My identity was stolen and I had already submitted my identity theft report to you guys 30 days ago. It was for the account XXXX on date XX/XX/2020. Also I have the inquiries attached on the file that I would like removed as well due to my identity being stolen.
Consumer complaint received 2022-01-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Personal statements are ineffective and ignored multiple credit card and lending companies have ripped me off try to deny me try to deny me my legal rights and protections and then refused to get their grubby paws off of my credit files for inaccurate reporting for more than 7 years straight. Then these companies resale the information to other credit reporting agencies there are 23 listed on the ftcc website and not a single one is in compliance. Furthermore all bureaus are refusing to update my information without demanding information from me I will not be volunteering information these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to release information. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman refuses to do their job.
Consumer complaint received 2016-03-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Bank of America account # XXXX I disputed this account in XXXX 2016 to all XXXX credit bureaus. XXXX and XXXX has fixed error. XXXX has not fixed the error. The account settled over a year ago in full. I have XXXX to prove it. This my final attempt with XXXX to fix it or I will be contacting a lawyer to handle this matter. This account was settled and should be CLOSED and have a XXXX balance. My case number with CFPB is XXXX. The XXXX confirmation numbers XXXX dated from XXXX XXXX, 2016 and XXXX XXXX, 2016 are # XXXX, # XXXX, # XXXX. This is the final dispute. If not fixed, I will hand it over to my lawyer. I am trying to fix this before I apply for a new car loan in XXXX 2016. Thanks.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I was a victim of fraud. I had someone get all my personal information through my phone somehow and someone hacked and stole money from my banking account. On this day I did make a ATM deposit and move money from one account to the other. After researching ... Im not sure exactly how these people did this but they set up an account on a platform with XXXX using all of my information. When bank had call me to confirm a code that was sent to my phone and I did so not knowing what it actually was. I was thinking it was regarding my recent deposit and money moving I made earlier. So I read back the numbers. Unknowingly authorizing the transactions. I was not aware as to what I was doing in this situation as this has never happened to me in this way. Usually the card would be shut off and put on hold and Id get text message that were detailed and I would confirm. There were 10 transactions ( {$16000.00} ) and 3 went through ( {$4400.00} ). Every rep at BOA I have spoken with can clearly see this was fraud, these people are from a different country and tried multiple times on my account and ultimately did end up with some of my money. I did notice the pending charges late that evening when I logged onto my app. The banks were closed this day for XXXX XXXX, I couldnt get them to stop the pending charges. I called them as soon as they opened and told them that this was not me and to stop all these transactions. They couldnt do anything to stop them they told me. I reached out to XXXX ( only through email ) and they tell me that all their transactions are final. I have pleaded with the bank and open a claim and it was denied 3 times. I dont know what else to do, I need some help.