davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

As a long time PNC customer of 2 decades or more including XXXXXXXX XXXX I am filing this due to the lack of resolution of a floating $ XXXX that has impacted my credit score and financial reputation/ status with creditors as well as lack of service recovery.

As a registered nurse in administration I am very aware of how important customer service and empathy are to clients and I have not experienced that with my assigned PNC case manager the past two months. This unresolved issue has been ongoing since XX/XX/XXXX so I will try my best to abbreviate the timeline. 
Let me preface this by saying, most every PNC frontline representative I have interacted with has been extremely polite, providing personal attention and demonstrated empathy and care. But XXXX XXXX my assigned case manager ( XXXX ) has not. If he is good at the technical and operational aspects of his job, great ; but he should not be front facing with customers. He has been terse, displaying little to no empathy, inattentive and documented in my case records/notes that he called me and left a message when he did not. Abbreviated timeline as follows : XX/XX/XXXX - $ XXXX balance transfer check deposited into PNC ATM at my place of business ( XXXX XXXX ) XX/XX/XXXX check cleared and deposited into my PNC checking XX/XX/XXXX $ XXXX payment to XXXX XXXX from my PNC checking XXXX $ XXXX Check returned to maker ( XXXX XXXX XXXX  ) RESULTING IN MY ACCOUNT OVER $ XXXX IN THE NEGATIVE XX/XX/XXXX Three PNC overdraft fees of $ XXXX generated XXXX Pulled $ XXXX from my personal NON-PNC savings accounts and deposited into PNC checking to cover the negative balance and cover automated withdrawals i.e. bills and mortgage XX/XX/XXXX XXXX provided me a Banks Claim of Later Return document verifying that PNC ( XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ) requested the funds back on XXXX after they were returned to XXXX XXXX XX/XX/XXXX Spoke with XXXX @ PNC who informed me the $ XXXX was sent back to XXXX on the XXXX and it should take 3-4 days. 
XXXX XXXX never received ; balance remains on my XXXX credit card. 
XX/XX/XXXX After complaining about not hearing back from XXXX XXXX PNC XXXX he returns my call and tells me the $ XXXX was NOT sent to XXXX on XX/XX/XXXX as I was originally informed and now I needed a letter of indemnification. 

As mentioned, I am a long-time customer who uses PNC as my primary banking institution and my home mortgage is with PNC. Now I am at a complete loss and convinced I need to refinance my mortgage and move my banking business elsewhere. In addition to the $ XXXX, there is the {$1000.00} balance transfer fee, {$69.00} late fees, {$32.00} interest charges, totaling {$22000.00} owed to XXXX and reflected as a balance owed by me. Additionally, the {$100.00} PNC overdraft fees. Lastly, my credit score is now XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Subject : Unauthorized Inquiry Removal Request Pursuant to Virginia State and Federal Law Dear Sir/Madam, I am writing to request the removal of an unauthorized inquiry from my credit profile. The correct inquiry is from Capital One Auto Finance on XX/XX/2022, not XXXX XXXX XXXX XXXX as previously reported. 

The unauthorized inquiry conducted by XXXX XXXX XXXX XXXX lacks permissible purpose as it was undertaken without a court order or my written consent. This action is in violation of both Virginia state law and federal law. 

Under Virginia Code 8.2-201, only permissible inquiries, which include those made with the consumers consent or pursuant to a court order, are permitted. Additionally, the inclusion of this unauthorized inquiry on my credit profile is a violation of the Virginia Consumer Protection Act ( VCPA ), as outlined in Virginia Code 59.1-200 et seq., which prohibits deceptive acts or practices in connection with consumer transactions. 

Moreover, this unauthorized inquiry violates the Fair Credit Reporting Act ( FCRA ) Section 604, which stipulates that consumer reporting agencies may only furnish consumer reports under certain permissible purposes. 

I view the inclusion of this inquiry on my credit profile as nothing short of identity fraud and a severe breach of privacy. Furthermore, the reporting of this unauthorized inquiry is in direct violation of the FCRA Section XXXX, which mandates that consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information contained in consumer reports. 

It is imperative that XXXX XXXX XXXX XXXX takes immediate action to remove this unauthorized inquiry from my credit profile within the next XXXX days. Failure to comply with this request will be interpreted as willful non-compliance, subject to penalties under both federal law and Virginia state law. 

I firmly assert that this inquiry is unverifiable due to the absence of permissible purpose on XXXX XXXX XXXX XXXX part. I expect prompt action on this matter and confirmation of the removal of the unauthorized inquiry from my credit profile. 

Thank you for your attention to this matter.
Consumer complaint received 2024-02-06
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. (NY)

XXXX Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, and questionable items that your agency didn't make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 16811e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 percent accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 percent accurate under 15 U.S.C 5 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports You are in violation of the FCRA and can result in legal action if this is not removed.
Consumer complaint received 2024-02-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (TX)

I was notified by XXXX XXXX XXXX on XX/XX/ regarding an alleged debt. I have reason to believe I do not owe this debt because prior to moving into XXXX XXXX apartments, the entire unit XXXX flooded due to pipe bursting during the freeze. Everything including carpets had to be replaced right before I moved in. We lived there for 2 years. After we moved out in XXXX, four months later, I received a bill collection letter in the mail. I called XXXX XXXX apartments to ask what this was regarding to and was told that the carpet had to be replaced once again. XXXX XXXX was left in perfect move-out condition with no damages what so ever. The carpet was vacuumed and cleaned along with all furniture and trash removed. A security deposit was also paid-up front when signing my lease.
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I made a {$4600.00} deposit on my Citibank checking account and the atm only counted {$3600.00} which is {$950.00} less The deposit was made XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/27 someone logged into my cashapp account on a new device. I got the e-mail and instantly clicked that it wasn't me. A {$3600.00} payment went through that I did not authorize and tried to stop. XXXX wouldn't help me, I did a claim with Wells Fargo and it took over 3 months for them to finally say they declined the claim. I didn't approve this and this is a large sum of money I am owed. I provided them proof and they still ignored me and sided with XXXX. Wells Fargo and cashapp have been very rude and not helpful at all. Please help me. I've had Wells Fargo for 14 years now and they're the biggest mistake I've made, I will be switching accounts after this is resolved.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (NJ)

In XXXX of XXXX, I was trying to get a mortgage on behalf of my son, and found out that my credit score was very low. I investigated, and discovered I had been a victim of identity theft. Three credit cards had been opened up in my name and without my consent and had accumulated over {$26000.00} in fraudulent charges. I immediatley called the three banks, and two of them, XXXX XXXX XXXX and XXXX XXXX  conducted a brief investigation with me on the phone and concluded the charges were in fact fraud, dropped the claim and removed the charges from my credit report. 

The third bank, XXXX XXXX, has refused to listed to my explanation that the charges were fraud and has assigned the claim to a collection agency. I have explained to them numerous times that the charges were fraudulent. I spent countless hours on the phone with them, sent them numerous letters and various pieces of evidence the charges weren't mine. I also filed an FTC report and filed a police report and sent them to XXXX. Additionally, I tried to explain that the credit card couldn't have been mine as it was linked to an address I vacated in XXXX and all the charges were linked to various stores in the XXXX XXXX area, where I haven't been since XXXX. XXXX XXXX  has consistenly refused to listen to my appeals and has been quite vicious and vindicative and refused to believe this was fraud. 

Enclosed are copies of a police report, an Identity Theft Report from the FTC, a copy of my ID, and our previous letters we sent to XXXX XXXX  outlining our position. 

We look forward to hearing from you shortly, and expect you to arrive at the same conclusion that these charges were fraudulent and this entire case be dropped. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I was sent a {$500.00} Amex Gift Card from my employer for an end of your bonus on XX/XX/06. I have tried to use this gift card at several reputable online vendors and it has been declined multiple times to the point I can't use this anywhere. 

A quick XXXX search of the issue has shown this to be a known and common issue with the gift card and Amex customer service being no help whatsoever. It seems that the only acceptable solution people have mentioned is to report to CFPB.
Consumer complaint received 2023-11-12
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. (TX)

It has been several attempts to delete misleading, fraudulent, inaccurate, and incomplete information on my credit reports. The credit reporting companies have refused to properly investigate and delete requested information from my report. Please help, this is a violation of consumer protection of privacy under FCRA.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

CAPITAL ONE AUTO FINANCE, XXXX, XXXX, & XXXX is reporting late payments on account # XXXX. 

I have tried to settle this matter as of 2 years and CAPITAL ONE AUTO FINANCE or the CRA 's still has NOT updated the payment history and is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, these agencies are in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ] 4. Violation of the Privacy Act of 1974
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

THE HOME DEPOT/CITIBANK is furnishing incorrect information to XXXX that is causing my estate harm. As the trustee it is my job to ensure the heirs to the estate or not harmed. The Home Depot received an application which is a financial asset for the bank and it used as the collateral interest for the notes paid out to the national bank. Since the estate owns all interest, titles, and certificates using the note that is attached to the application for profits is misuse. Since the note is pooled together and sol The Home Depot and Citibank owe the estate.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-06-22
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX continue to report incorrect information on the account listed as XXXX XXXX XXXX there are several inconsistencies the biggest being the account listed as a charge off. 

The inconsistencies are as follows : Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Home Furnishing Finance Companies - non specific Account Type : Installment account Secured Loan Furthermore any account charged off with a balance belongs to the consumer so how am I indebted? This account can not have been validated with all the information being different. 

1026.11 Treatment of credit balances ; account termination.

( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Consumer complaint received 2024-02-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patient Accounting Service Center (CT)

I want to make it public record today XX/XX/2024 that I have received notice from ARstrat a debt collector whom I do not wish to work with in any capacity. This company is attempting to collect an alleged debt on behalf of XXXX XXXX. In short, I pay my bills directly to XXXX XXXX and will continue to do so. Furthermore, I have never acquired any services through or with ARstrat and do not wish to presently or in the future. If this company ARstrat attempts to damage my credit by reporting me to any of the XXXX major credit bureaus XXXX, XXXX, or XXXX I will report the matter to proper regulatory authorities. I hereby publicly ask & declare thru the CFPB that ARstrat Cease & Desist in all communications to me XXXX XXXX as well as all mail and phone/cellphone communications. Lastly, I publicly ask & declare that ARstrat Cease & Desist in all debt collection matters in regards to any account I have with XXXX XXXX. To re-iterate I pay my bills through XXXX XXXX only, and will continue to do so.
Consumer complaint received 2024-02-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC (VA)

I am a XXXX veteran who is exempt from paying property taxes, yet I found myself in a dispute with Village Capital and Investments LLC ( VC ) over a refund for these taxes that I should never have been charged in the first place. Despite providing documentation of my tax exemption at closing, which took place on XX/XX/XXXX, I was erroneously charged. On XX/XX/XXXX, XXXX received a refund from the State of Virginia for the property taxes, but getting that refund back to me has been a series of frustrations. 

I have called XXXX numerous times, asking them to send me the refund via paper check as they initially told me they would. Despite these repeated requests and assurances that I would receive my refund, XXXX has consistently refused to return my calls or respond to my emails. 

The situation reached a tipping point during a call with a XXXX agent. My previous requests for a refund were outright ignored until I played a recording from previous calls. Only then did the agent acknowledge the backlog but stated that no action had been taken to process my refund. This acknowledgment came after a significant delay ; the funds were paid on XX/XX/XXXX, and here I am on XX/XX/XXXX, still without my refund. 

This series of events highlights my frustration and difficulties in getting back what is rightfully owed to me. My attempts to rectify this situation have been met with a lack of communication and inaction from Village Capital, leaving me without the funds that were erroneously collected from me, despite my clear eligibility for tax exemption.
Consumer complaint received 2024-02-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to address an issue regarding my Bank of America credit card account, specifically its absence from my XXXX credit report. As a long-standing cardholder with an account dating back to XX/XX/, I have noticed that the information related to this credit card account is not reflected on my XXXX credit report. 

Credit Card Details : Company : Bank of America ; Account Number : XXXX Date Opened : XX/XX/XXXX  ; Credit Limit : {$50000.00}