davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CA)

Hi my name is XXXX XXXX, I mad an original complaint XX/XX/XXXX as you can see here -- -- -- XXXX " I am the owner of my PNC acct, with routing number:XXXX ; an account numberXXXX. My account was compromised, as well as my debit card. I last seen it XX/XX/XXXX with my last transaction being my XXXX XXXX  transaction for {$22.00}. After that I fell XXXX an I sent a few XXXX XXXX but that was it, an it didnt require my acct or card so i still didnt notice anything. I still didnt notice anything until early this morning the XXXX I tried to send another XXXX  an it declined, once that happened I check my acct an saw all the charges. There were charges from XXXX for over {$2000.00} as well as over 3 charges in HAWAII!! including a hotel charge, XXXX XXXX... I called PNC who Ive been a member with over 3yrs an was told I will receive {$250.00} in provisional credit an that was it, until a 45 day investigation took place. I think this is so unfair, i'm late on rent, my car note, an even child support. '' However after this I was contact by PNC so I called back an found out they only put down 2 or 3 of what was suppose to be 8-9 disputes due to a language barrier ON THEIR END ... .... The new agent I spoke with was able to tell me that the other agent wrote two of the same disputes an I would get my credits within 10 days from the dispute,,,,, she also stated the original agent didn't count any of the other disputes as they weren't posted yet. However they were posted an I was trying to tell them that, the transactions I mentioned have been " posted '' since the XXXX of XXXX which was BEFORE I called, but due to their employees language barrier they didn't put any of the big purchases on my dispute. 

Once we established that, the NEW AGENT I spoke to today informed me that she added a new dispute with all the charges in HAWAII ( which i've never been ) included for a total of {$2900.00} TODAY ( XX/XX/XXXX ). She also informed me that 2 of the 4 disputes originally put on file should give provisional credits by XX/XX/XXXX which I still haven't received. 

Ive been missing money ( over {$6000.00} ) SINCE XX/XX/XXXX ... ... an I have to wait til the XXXX an only got approved for {$44.00} worth of credits, no where near the real amount I was ORIGINALLY TRYING TO CLAIM. 

I think its unfair I have to now wait for the 2nd dispute amount of {$2900.00} til XX/XX/XXXX to get provisional credits when it all should have been on the same claim getting my credits in total on XX/XX/XXXX. I have never been to hawaii an I didnt do any of those charges on file. I need my money asap, please help.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

My name is XXXX XXXX. I have been a member of Navy Federal since XXXX. My account has always been in good standing, until i fell on hard times after covid in XXXX. I had to closes my business and during that that time XXXX XXXX XXXX XXXX and wasnt able to work. I have XXXX of my credit cards who went into collections. Back in XXXX of XXXX i just started working and making smaller payments towards the cards. I lost my job again in XXXX and was not able to keep up with payments arrangements. Today on XX/XX/XXXX i woke to my checking account being completely emptied to zero balance, as the recovery team do an adjustment towards the credit card. I dont have money for food, for gas and this was also my rent payment. Im asking is there a reconsideration that can be done where a partial of the funds can be released to me, im a single mom of XXXX with no help. I cant afford not to have any money for an entire week. I reached out to the collection company and made arrangements to pay them weekly until i get life situated again to pay the balance. I have been making phone calls from the collection agency to navy federal, no one is wanting to assist me. I have no money for gas or food. I made an arrangement with the collection company to start paying next week. I received no warning, no one contacted me to even give me the chance to make any arrangements
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (NC)

XXXX an XXXX are reporting inaccurate information for an account with Navy federal Credit Union. This account is reporting a late payment which the late payment was credited to my account and should have been removed from my report as I was told by Navy Federal they are not supplying this info and that it would be corrected on XX/XX/year> but it was not. I need this information updated asap to reflect accurate info specifically late payment removed and account reporting paid as agreed.
Consumer complaint received 2024-07-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center (CA)

In XXXX of XXXX I had a hospital visit at XXXX XXXX . I was discharged the same day and I covered {$1300.00} which is what I was told I owe, the rest was submitted to my insurance. In XXXX on XXXX I received a bill for {$3900.00} from the same hospital. After contacting my insurance XXXX XXXX they assured me it was an error and they will settle it. In XX/XX/XXXX I received another bill and was told that the total amount of the bill had now ballooned to {$8500.00} and the insurance would only cover {$4500.00}. After calling XXXX and requesting a detailed bill and information on why wasnt the amount disclosed earlier I havent received anything. In XX/XX/XXXX I received a debt collection letter for the same debt.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

I was notified by American Express that they are enforcing a credit limit on my American Express XXXX consumer card. Which is a card that is promoted All over the world as a cash card with no present spending limit and they charge a hefty annual fees for that reason {$690.00}. 

When I asked why I was placed under a limit despite the fact that my card should have no limit, I was told my spending behavior over the past XXXX months was high and it did not match my profile. They also told me that I could not use their card for transactions with a retailer that I have an existing relationship with. And told me that this behavior is against their card holder agreement. In addition, they lowered the limit on my other American Express XXXX XXXX  account, which I did not have any transactions on similar to my American XXXX  card. 

I asked for a copy of the agreement and there was no reference to any terms which they based their decision on. When I called back to ask them for a specific term or reference line to their credit agreement, I was told that I wont find such term in their agreement. 

Please note that I have a been a card holder with American Express for XXXX years and never missed a payment and have an excellent credit score. Which should give them no right or reason to treat me the way they did. Made a decision on my accounts to place me on a spending limit, and made reference to their card holder agreement, and its all false and have no basis. They lie to their customers and make false accusation and promote misleading advertising on their American Express XXXX  card being a limit less card is totally false
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I purchased a telephone from XXXX XXXX XXXX. Unbeknownst to me, the phone number assigned to the phone had previously belonged to a XXXX XXXX. I have had the phone number since XX/XX/XXXX. Kohl 's Department store has contacted this number approximately XXXX times regarding an outstanding account. Each time I have responded to their calls by explaining I am NOT XXXX XXXX, and that I would very much appreciate their correcting their records so that this will not happen in the future. I was assured each and every time that KOHLS would escalate the situation and it would be corrected. Today I have again received a call from XXXX, XXXX XXXX XXXX. When I called the phone number provided on the message, it instructed me to call XXXX at XXXX, yet again, have to explain the situation. I was told I should answer the phone and verbally tell them not to call or do not contact me. 

Currently I do have an account with Kohls in good standing, and every time I receive these calls, I have threatened to cancel my card, Kohl 's has done nothing to rectify this situation. I called the Do Not Call Registry this morning and it listed a XX/XX/XXXX inclusion into the Do Not Call list. 

Please help me get this situation resolved once and for all. Thank you very much for your help in this matter.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint to the CFPB Regarding XXXX Practices Date : XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Fair Credit Reporting Act ( FCRA ) Violation by XXXX Dear CFPB, I am writing to file a complaint against XXXX regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., and particularly 15 U.S.C. 1681i ( a ) ( 5 ). 
I have repeatedly disputed inaccurate information in my XXXX credit report. Following the dispute process outlined in the FCRA, I requested a description of XXXX 's reinvestigation procedures. However, XXXX has responded by claiming my information regarding the dispute is illegible. I have provided clear and concise documentation to XXXX for the dispute. 
XXXX you are intentionall sending stall letters to avoid a proper investigation and resolution of the disputed information. These stall tactics violate my rights under the FCRA to a fair and accurate credit report. 
Specifically, I request the CFPB to : Investigate XXXX 's practices regarding responding to dispute requests and descriptions of reinvestigation procedures. 
Ensure XXXX conducts a thorough investigation into the disputed information on my credit report using the clear and concise information I have provided. 
Direct XXXX to cease using stall tactics and provide me with a timely and accurate response to my dispute. 
I would also like to be contacted by the CFPB to discuss this matter further and explore potential next steps, including holding XXXX accountable for potential FCRA violations. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I paid a contractor {$30000.00} via XXXX for goods and services from my checking account. They refunded me the money on XX/XX/XXXX via XXXX asking me to use another method of payment ( XXXX was charging them XXXX  %, nearly {$1000.00} ). 
On XX/XX/XXXX ( one day after the refund ), I saw the credit in my Truist Bank account as " pending ''. Next day, it was still " pending ''. I called my bank and they said they did not see the amount, that it was still with XXXX. 
I called XXXX the next day. XXXX said, the original {$30000.00} had not been transferred to XXXX by Truist and until that happened, they would not be able to issue a refund. I requested more info from Truist ( XXXX XXXX and XXXX XXXX, my XXXX XXXX  - see contact info below ). They denied that the original payment had not been sent. Said, this is " always what we see with XXXX '' ). Today, 5 days after the refund, I still do not have access to these funds and can not pay the XXXX. 


Names of Truist officials I have been communicating with- XXXX XXXX XXXX Senior Vice President Premier Regional Director / Truist Registered Representative XXXX Truist XXXX XXXX XXXX XXXX Investment Adviser Representative XXXX Truist XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX Mail XXXX XXXX Office/Mobile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banker / Truist Registered Representative XXXX Truist XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Representative XXXX Truist XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX, GA XXXX Mail XXXX XXXX Office/Mobile : XXXX Premier Service Center : XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

I was targeted from PNC with my Prestige Contracting business account. On XX/XX/XXXX I deposited a check for a little over {$46000.00} from a legal settlement. I was told that day I could not withdraw cash due to it being a business account from XXXX in the amount of {$3500.00}. I was also informed by XXXX since I had next day availability that I could come back the next day on XX/XX/XXXX to withdraw cash from the account. On XX/XX/XXXX we had a little over {$43000.00} in our business checking account. When I went to withdraw {$7500.00} cash from the bank the morning of XX/XX/XXXX. I was told it was denied from XXXX due to unauthorized signature on the check from XXXX. PNC immediately withdrew the {$46000.00} from our account giving us a negative balance and overdrafts. After providing evidence that XXXX XXXX with XXXX was an authorized signer on the XXXX. I was told that information was denied by XXXX. When I asked why it was denied they said they needed more evidence which led me to now know they were bold face lying to me. I provided additional evidence exactly as PNC wanted on the morning of XX/XX/XXXX and once again was denied withdrawal from XXXX and XXXX with upper management. This behavior stopped our business from operating and cause financial loss and harm to our company.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (FL)

I am writing to report a severe case of identity theft. According to the recent findings of my credit report, it seems that my identity has been used to obtain credit without my consent. I am prepared to cooperate with any investigation and legal proceedings to address this matter and hold those responsible accountable for their actions
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MS)

My money was taken with a XXXX company and have no ideal who they where. I filed a police report and haven't heard any thing from my bank. Pease help me, Its a toll amount of XXXX. The Bank is Navy Federal Bank. I have a police report. This is our case # XXXX
Consumer complaint received 2024-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: PNC Bank N.A. (IN)

We applied for HELOC to refinance credit card debt. An off site appraisal was performed mid XXXX. The report was unexpectedly low. Upon further review of the appraisal, they only reported the presence of XXXX bathroom. But the house was built with XXXX full bathrooms and XXXX half bathroom. I immediately called the person working on my loan application to let her know there was a significant error. 
I provided pictures of the bathrooms and a previous on-site appraisal. She initially agreed to a second inspection on site. The process was delayed due to a previous lenders clerical error to submit a mortgage release letter. Once the letter was submitted, we agreed to schedule the on-site appraisal. However once I submitted the mortgage release letter, within XXXX hours they closed the application and declined my application based on the erroneous value provided by the XXXX bedroom XXXX bathroom appraisal. I was told they can not reverse a decision once the application is closed.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (MA)

I lost my wallet which included my debit card. I contacted Santander Bank immediately after I realized my card was in my wallet and when I noticed that there were several transactions made with the card that I did not authorize or make. The transactions were apparently made outside of the country which totaled about {$360.00}. The last transaction I made was in the general area where I live in XXXX. I filed a dispute/claim with Santander and XXXX their questions to the best of my knowledge. Santander rejected the claim/dispute because apparently whoever found my wallet figured out and used my pin. The transactions were not made by me nor did I authorize them. Given Santander unwillingness to assist me to date, I am hopeful that consumer protection laws and this agency can assist me.
Consumer complaint received 2024-07-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CT)

I requested accurate information from the collection company to verify the information that was sent in a summary report. The collection agency sent a generic summary report with no real charge breakdown. I then contacted the original creditor XXXX at XXXX XXXX. The agent at the location forwarded me the actual summary which had a charge with about half of what the collection agency is attempting to collect from me. They have claimed they represent the interest of the company but it seems like the interest of said company is not aligned.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligator or a credit issued to the obligor.
Consumer complaint received 2024-07-15
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: Experian Information Solutions Inc. (FL)

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I have requested several times for XXXX and XXXX to correct the information being reported and I have not received the corrections updated and I have received no proof of the information being reported. 

Incorrect names, addresses and various other information