davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2015-09-04
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (IL)

on XXXX/XXXX/2015 I checked my account balance to obtain what I had available. My available balance was {$300.00} I withdraw {$200.00} which left me a remaining balance of {$100.00}. I logged onto pnc.com website to obtain my balance and it stated that I only had {$15.00} out {$100.00}. PNC charged {$81.00} for a unknown fee and when I called to speak with a rep he was unable to specify what was the fee for. I have direct deposit and a total of {$3000.00} deposit from my employer XXXX and child support combine together and PNC NEVER charged me a sevice fee. I asked to speak with a manager since the Representative was unable to assist me. I was on hold for XXXX and no one came to the phone. I 'm disputing those XXXX charges of {$81.00} and {$4.00}.
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PNC Bank N.A. (MI)

the company is CCS XXXX BANK, XXXX PNC BANK HAS XXXX THESE PEOPLE MY PERSONAL INFORMATION STATING THAT I OWE A DEBT THAT I DO NOT HAVE A LOAN OR NEVER DID HAVE A LOAN WITH PNC BANK NOW XXXX ARE CALLING ME MAKING THREATS OVER THE PHONE FROM PNC BANK PNC BANK STILL XXXX ME MONEY,, THIS IS VERY ANNONYING AND MY PERSONAL INFORMATION HAS BEEN GIVEN TO THESE PEOPLE WITHOUT MY CONSENT,, THIS ABUSE OF THE PRIVACY ACT WHICH I AM DISSAPOINTED BY PNC BANK TO GIVE MY PERSONAL INFORMATION TO STRANGERS.. PLEASE HAVE THEM STOP
Consumer complaint received 2015-12-31
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Alliance One, Inc. (CA)

Did not see a category that fit perfectly. A debt collection company named Alliance One, XXXX XXXX XXXX XXXX XXXX, WA XXXX charged our credit card {$30.00} without our knowledge or consent. We have never been contacted by Alliance One in any way. When I called Alliance One they confirmed the charge based on the charge date, the charge amount, and the last XXXX digits of the credit card account, at which point they gave me a reference number. They did not ask any questions ( name, address, date of birth, etc. ) to confirm that I was the actual person related to the charge, which amounts to Disclosure of Verification of Debt. They transferred me to another person who then wanted all kinds of personal information but refused to explain who the company was, what the credit card charge was for, or how they got my credit card information to begin with. We had to have our credit card cancelled and a new card issued.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation (CO)

Albert checking/savings account opened ( estimated ) XX/XX/XXXX and signed up for genius XX/XX/XXXXXXXX XXXX XXXX  a monitoring service that monitors spending at {$4.00} a month. After multiple months of requesting to cancel my account per their instructions starting XX/XX/XXXX Albert refuses to answer my texts or emails and continues to charge me for genius. 

I have sent multiple texts and emails requesting to close my account, to no avail. I have written a letter notifying them I am pursuing legal action. No response other than an automatic response. I sent a withdrawal of consent to contractual terms. No response. 
It is XX/XX/XXXX still no response when they profess to return messages within hours. My account with XXXX XXXX was charged again last night. I want my money back and to close this account forever. 

XXXX XXXX
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NJ)

We have applied and been turned down for Modification by the servicer of the loan, PNC for XXXX, due to what they claim is the servicer agreement does not allow modifications. Through much research I am finding this is probably not the case. The denial paperwork came back saying it was denying my hardship assistance request because " the assignee/mortgage owner or private mortgage insurance company on your loan has not provided an actionable decision on the proposed alternatives to foreclosure option for your loan. '' It says this multiple times, so the servicer, PNC, never received an answer to my application from the trustee, XXXX for XXXX. Mortgage asset-backed pass-through certificates, series XXXX. 
We had employment problems in the past and almost half of the time I was delinquent I was serving my country XXXX. I am looking for a resolution, a change in the terms of my loan so as to be able to continue raising my family in this home.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have lived at the person house who stole my identity and used it for XXXX XXXX XXXX XXXX XXXX which my name was spelled wrong on the account. I did not authorize this account. I was not living there during this time that account was open in XXXXXXXX XXXX. I was XXXX at the time my identity was stolen. Now that I'm getting a better understanding of my credit report, I want this removed off my credit this is a fraudulent account that was made without my authorization. My last name is spelled XXXX, and middle name XXXX, which are incorrect spelling. I do not understand how and why this is stuck on my credit report without my consent.
Consumer complaint received 2016-07-09
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (DC)

My husband and I live in XXXX, XXXX, in a single family home. We are seeking a Home Equity Line of Credit ( HELOC ) from PNC for several home improvement projects. We started the application process with PNC in XX/XX/XXXX. Today is XXXX XXXX. PNC requires a full home appraisal, and I met the appraiser at our home almost three weeks ago on Monday, XXXX XXXX. The appraiser has yet to provide the appraisal report to PNC. According to PNC, he is having " computer issues ''. 
We have asked our PNC representative, through four different messages, to let us know when we will receive a copy of the appraisal and when our application will be decisioned. PNC does not know and tells us that the issue has been escalated to a supervisor. We asked that the appraisal order be cancelled and a new one opened, twice, and received no response. We asked that the delay be further escalated as an issue. No response. 
We understand the importance of the appraisal report so that PNC can render a credit decision on our loan application. We have outstanding credit and have provided all information requested by PNC in a timely manner. In return, we ask for assistance in either obtaining the appraisal that was already completed or ordering a new one as soon as possible. Waiting three weeks for an appraisal report to be completed is unacceptable, and the lack of feedback and support from PNC is deplorable. I have worked in the lending industry for a decade, and I am ashamed that this is the service that hard-working Americans are receiving from big banks. We feel bullied. The bank has all of the power - and all of our confidential personal information - and we no longer trust them to have our best interests in mind. 
The lending industry has come a long way, but the journey to restoring the trust among big lenders and the American people has XXXX steps left in it. Let 's start by guaranteeing that every American seeking an asset-based loan can obtain an honest, relevant, thorough, fact-based appraisal report within 10 days of when the order is placed. If the order is not completed, the appraiser should receive penalty points, and the lender must order a new appraisal immediately. 
If an appraiser accrues a certain amount of penalty points, s/he should lose their designation as an appraiser and be barred from working in the field.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (CA)

Stearns Lending assumed my home mortgage from XXXX in XXXX 2013. We added Stearns to our condo insurance policy as an additional insured at that time. Subsequently Stearns notified us that we did not have coverage and would provide hazard insurance for our property. We replied to their correspondence with proof of insurance coverage and Stearns replied that their hazard insurance had been canceled but that due to a lapse in our coverage we were charged {$34.00} and an impound account was initiated. We have never had a lapse in coverage on our property. There has been a continuous policy in place first with XXXX and then with XXXX XXXX. There has been no lapse. 
We have continued paying our mortgage on time with full principle and interest payments. We do not believe we should be charged for the {$34.00} premium or the escrow account. Stearns has now charged us late fees and submits us to a barrage of harassing " collections '' calls. I have invested much time and aggravation in attempting to clear up this matter dealing with a very difficult customer service organization at Stearns. I would like this matter resolved and my account statements corrected. Recently Stearns mailed me a check for {$150.00} with no explanation. Since I am clear that I have made the appropriate payments I will not cash this check, but do expect Stearns to correct my account statements to remove all charges for insurance and escrow withholds, which I neither need nor want.
Consumer complaint received 2017-03-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (NC)

I own a XXXX BMW X5 with VIN XXXX. The vehicle was purchased in XX/XX/XXXX and was financed by BMW Financial Services. Recently I made an inquiry to the lender to payoff the balance and possibly transfer the car to a family member. However, according BMW Financial Services, they will not be releasing the title to me upon receiving payoff, due to outstanding ( unfinished ) recall. Upon further discussion with the manufacture and dealer, I was told that, although the recall notice was sent to me in XX/XX/XXXX, about a year ago, the dealership can not complete the repair due to parts shortage. Furthermore, I was informed by BMW today that the soonest I can receive the parts is XXXX, another 6-7 months from now. The reason for the lender 's refusal to release title was referred to NHTSA 's Stop Sells order related to the recall. However, I can not find any information from NHTSA that prevents the lender to release clean title. It is NOT a sale, simply a loan pay-off. 

I feel it is unreasonable for a lender to withhold title even after receiving full payment.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

When I went to a car dealership and they stated that they were only going to use one bank and I said that was fine because I had my own financing but they could beat it with one company. I find out months later that they sent my credit to a lot of people because I was getting letters saying I was either approved or didn't accept credit. I also see Hard pulls I did not authorize as well. I just want these removed because it has added a lot of Hard inquiries and has hurt my credit score hard.
Consumer complaint received 2017-02-01
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (NV)

I applied for a HELOC with US Bank roughly 5 months ago. During this time I have provided all requested documents and information for the application. I have been given the run-around for months and told almost monthly I 'd get some kind of update. I have received no credit decision even after all this time.
Consumer complaint received 2017-03-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

i 'm XXXX have XXXX and state insurance.it 's not my fault if they do n't do the paperwork right and submitted to my insurance.sometimes my insurance wo n't approve different test i need so my doctor has to get me pre-approved to have any test done.XXXX my primary insurance they cover XXXX and the state pick up the rest.
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX they can get lower interest rates. Why are these not available to the Consumer through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for XXXX months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I personally do not know this information but it is in my report damaging my status, please remove this soon, this is a mistake XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: West Coast Servicing, Inc. (MI)

Mortgage was approved for 2MP program in conjunction with my current and in good standing HAMP modified primary mortgage. Instead, the bank sold loan without any notification to borrorlwer while the loan was supposed to be in the process of modification. As per HUD 2MP program. Loan was " lost '' for two years with no communication even attempted with the borrower during that time. Borrower did escrow modified payments on her own, believing that the loan was being modified as was promised by lender. Loan re-surfaced 36 months late with a new servicer who had made no communication attempts with the borrower, already in foreclosure with a sheriffs sale scheduled. Please help. This is our home and where we are raising our children. please help us get what HUD already assured us was in the process of being done.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I made 3 payments to my credit card XX/XX/XXXX and the last one was after my due date to be applied for the next month it was never applied and I was charged a late fee when I spoke with a supervisor for Capital One by the name of XXXX she explained to me that it was not within my billing cycle and it will NOT be accepted for the next month.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS is attempting to extort me of additional fees ( Escrow/Impound Advance Balance, ) if I choose to payoff the loan ( see attached payoff statement ) .that was sold by XXXX to SLS unbeknownst to me until Monday XXXX XXXX, 2015. Attached is the purposely bogus erroneous welcome letter that I NEVER received from SLS due to their ineptness and incorrect mailing address on it. In making the purchase they should have gotten my mailing address correct and properly address me as a NEW client!!! with all this unknowingly to me taking place, they have pretended to claim that I was paying taxes, and insurance through a impound account with XXXX which I was NOT. attached are the last XXXX monthly payments that I paid to XXXX on the mortgage that SLS bought, and NOT XXXX of them included ANY impound account for taxes, and insurance.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a Capital One Credit Card and filed a dispute claim with them regarding an unauthorized charge of {$210.00} from XXXX Rental Car. They credited my account and then charged it back XXXX XXXX, XXXX at XXXX XXXX stating that XXXX Rental Car responded with screenshots from the internet that show NO authorization from me. I was appalled and replied on XXXX XXXX, XXXX to further dispute with a SIGNED statement from me that I did not rent a car, nor made any reservation, and closed my account. They acknowledged that they received my documentation on XXXX XXXX, XXXX at XXXX and that was the last correspondence I have received from them. 

On XXXX XXXX XXXX I engaged in a Chat session only resulting in continued false promises. 

The charge is still on my closed account and is being inaccurately reported to the XXXX Credit Agencies. 

I have made multiple calls to them to resolve this issue only to be passed around to multiple representatives that do not speak correct XXXX and have difficulties understanding what I am saying for over 30 minutes to over an hour each time with continued false promises of resolution that has yet to be resolved. 

When asking to speak with a US customer service representative that speaks XXXX as a first and primary language, I am transferred to another offshore representative that does not speak XXXX as a first and primary language, which continues until I am at my wits ends. 

I would like assistance from the Consumer Financial Protection Bureau to resolve this issue with Capital One and XXXX XXXX to resolve the unauthorized charge and with the XXXX Credit Bureaus to remove the inaccurate information from my credit reports.
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (VT)

I had a conventional home mortgage through XXXX financial which was opened in XXXX of XXXX. When XXXX XXXX went out of business my mortgage was sold off several times until it landed with Specialized Loan Servicing, based out of XXXX XXXX, CO. This buyout occurred approximately XXXX, XXXX. At that time, my mortgage balance was at {$72000.00} and my monthly payments were at {$560.00}. While attempting to work with SLS, I had submitted for a XXXX hardship re certification of my mortgage. The solution from SLS was to then increase my mortgage payment buy almost {$300.00} taking monthly payment up to {$850.00}. I decided to vacate the property in XXXX of XXXX and notified SLS accordingly. I have attempted to do a short sale on at least XXXX seperate occasions as well as a deed in lieu twice. I have hired XXXX separate realtors over the past four years and each realtor ultimately resigned, stating that SLS refuses to cooperate in any way with the sale of this property. Four years later, I still have this property attached to my name which is destroying my creditworthiness. SLS is reporting several inaccuracies to all three major bureaus including : incorrect balance, incorrect monthly payment, and incorrect origination date. They refuse to short sale, deed in lieu, and even foreclose. I have disputed the inaccurate information being reported by SLS, to all XXXX credit bureaus, but to no avail. The home has been appraised, both by a private company and by SLS. XXXX appraisal came in around {$35000.00} for the property as it stands due to economic collapse in that area. Given the assessed value of the property, SLS continues to increase the amount owed every month to a now staggering {$66000.00} in late fees alone.
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC (TX)

so back in XXXX, I found out that I was a victim of identity theft through IRS, so I have filed several reports to credit bureaus, law agencies so pinnacle credit for XXXX XXXX, was open in XXXX but I have not been able to get this out of my credit report even after several attempts proving its not my bill
Consumer complaint received 2017-02-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Already one complaint against capital one Bank account XXXX is on file report was made on XX/XX/XXXX this account maliciously report false information to my credit report knowing my situation ; the cpfb report # is XXXX. Futhermore they continue doing it now through a third party debt collection agency XXXX which report to my credit report last XX/XX/XXXX for the sum of {$600.00}.