davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (KY)

I have deposited money in my checking account and I have never overdrawn the card and the bank steals money from me, when I check my balance it is lower, for example if I have XXXX dollars and I use XXXX, after I go and check my account the bank reflects me I only have XXXX and this happens every time I make a charge for an amount when I enter my online account, another balance appears less than the one I had previously, that is, the bank steals my own money and reflects incoherent amounts that are not the correct sum, This is PNC Bank is a scammer and steals from its customers
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (DC)

My home was foreclosed in 2014. Nationstar mortgage company has continued to want payment on XXXX Mortgage though the XXXX mortgage no longer exists. I have written them 2 times, and emailed them as well to resolve the issue and offer a payoff amount. They finally sent a letter back that I received on XX/XX/XXXX stating that they are looking into my request for a negotiated payoff. In addition to the first issue of paying off the XXXX mortgage, I also have a company named XXXX and XXXX that is stating that they took over the portion of the foreclosed loan from the XXXX mortgage that was left over after the foreclosure sale took place ( approximately {$170000.00} ). I need Nationstar to verify that Nationstar mortgage has authorized XXXX XXXX XXXX to act as debt collector and that I owe a balance of $ over XXXX on the first mortgage that went into foreclosure at my home located in XXXX. The letter sent back to me from Nationstar made no mention of nor did it answer to my request to get verification of this other debt collectors authorization to collect this debt since from what I know, once a foreclosure has taken place, I am no longer responsible for the foreclosed loan. I have also called Nationstar numerous times about settling the second debt and getting clarification on what if any, amount I owe on the XXXX mortgage after foreclosure. Whenever I call, the customer rep attempts to get me to make a payment on the XXXX loan and tells me to call another department regarding my questions. It has been a nightmare trying to communicate with Nationstar since we had initially agreed to do a deed in lieu to avoid foreclosure and without direct notice to me, Nationstar decided to put the home in foreclosure when it would have been very easy for me to do a short sale if the deed in lieu process was no longer an option. I spoke to a housing agency that helps consumers try to avoid foreclosure and they mentioned that they have never heard of another company like XXXX XXXX XXXX take over as a debt collector on a home that has already gone into foreclosure and continue to attempt to collect on and claim that I owe a balance of {$170000.00} on the first mortgage that went into foreclosure at my home. Please advise.
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Friday, XX/XX/2023, I logged into my XXXX online account and paid for 3 items. Upon checking out, my card ending in XXXX was already on file. Therefore, I clicked on it. 

The standard procedure did not take place this time. I placed an order, the money got deducted from my personal checking account, but there's no history that it did, Therefore, I'm submitting this email. 

I already notified Bank of America Resolution 's department. via email. Amazon disclosed the order ; Again, the money got deducted from my ledger, and there's no proof of that visibly. Why? Where did the transaction post? Am viewing my ledger or a fake ledger? 

Also, today, XXXX, I came to the XXXX XXXX  Public Library, computer # XXXX, and when I attempted to log into my online account with Bank of America, my password would not work. I had to reset the password. I had no choice. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (DE)

I have tried to have this problem answered. On Sunday I called Citi to find an answer to my question concerning {$89.00} which was part of a larger overpayment of my statement ending on XX/XX/XXXX only to find out none of the representatives I spoke to could give me an answer. What I received was " give me a moment while I take a look ''. The rep never comes back and the phone goes dead. This happened twice, no one ever came back and no return call and no email. When asking for a supervisor I was told " none available ''. I was looking for an answer to this : Statement ending XX/XX/XXXX. 

XXXX Payments due XXXX Charges XXXX Less Credits of XXXX Total due by XXXX XXXX Sent in and received on XX/XX/XXXX a payment of {$700.00} to be credited to my account. 

{$700.00} Payment XXXX Due Citi for charges and XXXX payments XXXX Balance to be applied where? 

I found {$19.00} cents applied as an add'l credit to flex plan # XXXX {$100.00} over payment - XXXX Applied to XXXX XXXXlan # 5 as add'l payment {$89.00} missing. Can someone find out about this and let me know. The reps I spoke to before being disconnected could not see what I was trying to say. To me it's basic math unless something is hidden in the statement that I can not see and I would say the same about the reps. XXXX  fixed charges + monthly charges-credits=amt due. 



THANK YOU XXXX  XXXX PS Now I will have to go back and check those months that I have made over payments..
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I was in XXXX XXXX and applied for a credit card. I gave my driver license to the store clerk to input my information and she entered it incorrectly. So, when my credit was ran, my address was correct, but my name was wrong and didnt match my S.S. #. 
I received a letter from Synchrony Bank requesting additional information to verify my identity, the letter had the name wrong name. 
On XX/XX/XXXX I called Synchrony Bank to give my correct name and verify my information. When the agent asked me for my S.S. #, I informed her that I didnt want my credit ran againI just need to update my name. She told me that it wouldnt be ran again. She sent me a link to take a picture of my driver license and a video of my face. I also had to scan the bar code on the back of my driver license, it wasnt scanning, I was prompted to call XXXX. I called and spoke to another agent and went through the whole story again. This agent said, I dont understand your situation, so I asked to speak to a supervisor. The supervisors name was XXXX, I explained everything again and stated that I dont want my credit ran, Im just updating my name. XXXX checked and confirmed that my name had been updated and my account was in review and assured me my credit wasnt going to be ran again. 
About XXXX minutes after I got off the phone with XXXX, I received an email alert that there was a new inquiry on my credit report. I checked my report and there was another hard inquiry done by Synchrony Bank on XX/XX/XXXX. I called back and spoke with another supervisor, his name was Al. I explained that I now have two hard inquiries from Synchrony Bank for the same credit card and he said, their system only shows one inquiry, and it was done on XX/XX/XXXX. I asked for a letter so I could have the inquiry from XX/XX/XXXX removed from my credit report, since they are the ones that made the mistake. He claims that Synchrony Bank was not able to give me a letter. 
Please remove the hard inquiry from XX/XX/XXXX.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Tried to logon to my XXXX XXXX bank account, but couldnt access; tried two more times, then I was locked out. There was a XXXX number to call for XXXX  Customer Service XXXX Called, explained problem ( just got new XXXX two days before and I thought that was the reason I couldnt get in new device ). Possibly part of the problem, but problem needed to be turned over to our fraud department and would I give them a time to call me back. A person from XXXX Fraud unit named XXXX did and I was told at XXXX XX/XX/XXXX someone from XXXX XXXX XXXX hacked my email address requesting {$40000.00} USD from XXXX This is an XXXX XXXX XXXX XXXX, therefore it must be reported to the Feds. Since international money transfers take between XXXX hours to process, there was time to freeze the transaction. Someone named XXXX XXXX supposedly a Fed ) would be our contact and she provided the name of the bank XXXX Bank of America in XXXX XXXX, CA XXXX ) we should wire the $ XXXX to an escrow account to hold. This document also had names, addresses, account/routing numbers, etc THIS INFO : BofA Bank Name XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Routing : XXXX XXXX address : XXXX XXXX XXXX, XXXX XXXX. CA XXXX Account holder address : XXXX XXXX XXXX XXXX, CA XXXX Unfortunately we did wire {$40000.00} to this address. The story goes on and on from here but Im not sure how much detail you need initially. We have gone to our REAL XXXX XXXX bank and had both checking/savings account numbers changed and XXXX has put a request to BofA to return the $ XXXX, but all they can do is request so Im not holding my breath. 

In the mean time the false XXXX and FBI agents ( XXXX, XXXX and XXXX ) have been calling me all day requesting another $ XXXX to be transferred. Stopped responding to texts and phone calls and I. CERTAINLY DID NOT WIRE ANOTHER $ XXXX!!! 

Phone numbers these people are calling from are : XXXX XXXX ( sometimes from XXXX, FL if there is such a place?
Consumer complaint received 2023-12-07
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: SYNCHRONY FINANCIAL (NC)

SYNCB/TJX DC Inquiry date XX/XX/2022 I did not authorize a hard pull of credit by this company on this date or at all. Due to this hard inquiry it is preventing me from doing things to this day.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

Pull my credit Report because credit repair company contacted me told. I had delinquentcys missing payments late payment showin on my Credit records reason why my Home Loan was Denied. l make these payments All on time Never Late l dispute information sent copies of. Printout from The company ( Get it now ) on all 3 credit bureaus showing month of. XXXX also month XXXX was late or missing.l provided information notice my account hasn't been updated or changed on credit reports. Not understanding why it take over 30 days. to be given to resolve these dispute instead 30 days to make ness change errors been below show that report to 3 credit bureau
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

I placed an order in XX/XX/2023 to a company that I found on an internet site. I found out it was a scam. I immediately tried to cancel, but was told I couldnt. I filed a dispute with my bank as I used a debit card because I didnt receive the item in the amount of XXXX. I was contacted by the company to withdraw the dispute and the would issue a refund. I did and received several fake screenshots of refunds. They told me it was my bank blocking the refund. My bank was not. I received more of these screenshots and then today was told I wouldnt be receiving a refund because the dispute was in their favor, it was not I cancelled it. My bank will not allow me to dispute again because I withdrew the first dispute. Now I am out the money with both left to do.
Consumer complaint received 2022-12-20
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In XX/XX/2023, I sent correspondences to XXXX, Equifax and XXXX about an unauthorized derrogatory account listed on my credit profile. A resolution has yet to be made.
Consumer complaint received 2022-12-20
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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: TRANSWORLD SYSTEMS INC (PA)

I filed a complaint with Transworld about a negative account that was placed on my credit report that I know does not belong to me. My name is XXXX XXXX XXXX, I have a son who is XXXX XXXX XXXX who lived at the address listed on the billing statement you provided as proof. This address is not listed on my credit report anywhere. This is for a XXXX account that I never had at an address I never lived at. 
The bill you presented does not give the name of XXXX XXXX XXXX or XXXX XXXX XXXX so how can you tell which person this belongs to? Can you provide any proof other than a bill from XXXX  that it belongs to either of us? I have a current and active XXXX account now in my name that I can prove belongs to me! 
I'm pretty sure you know like I do ; a billing statement is not considered sufficient evidence of ownership. So, this is my second time asking you to please either provide me with specific ownership of this account belonging to me XXXX XXXX XXXX, or remove it from my credit report immediately!
Consumer complaint received 2024-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc. (VA)

Debt collector : RA Rogers Inc The above reference collection company is impersonating themselves as the original creditor. I never applied for any account with this company. If they are impersonating themselves as the original creditor and I never applied for any account with this company, that means an account was opened using my information without my permission.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Validation of a Debt Request Pursuant to 15 USC 1692gb, Cease and Desist Pursaunt 15 USC 1692 ( C ) ( c ) I recently received communication from XXXX XXXX XXXX attempting to collect the above-listed alleged debt. XXXX XXXX XXXX initial communication to me in attempt to collect the alleged debt was within 30 days ago. Equifax : XXXXXXXX XXXX XXXXXXXX : XXXX  Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I requested verification of the alleged debt, specifically, a copy of a contract or agreement which was never provided as requested.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC. (AL)

This is an XXXX account with OptumBank. 

I discovered a significant amount of fraud on my XXXX account yesterday ( XX/XX/23 ). Over XXXX transactions, starting back in XXXX, totaling over {$5000.00} are fraudulent. I reported the fraud yesterday and requested the card be canceled. Additional chargers were attempted today ( XX/XX/23 ) and I called back to learn the first call did not close my card. I also learned that I should expect Optumbank to only go back 60 days on refunding fraud, as that is all that they are required to do by law. I told them I was going to dispute that and unfortunately for me 60 days would not get me to 50 % of the total funds stolen. 

I shared with them that I am disappointing that suspicious activity, like charges to retailers like XXXX, XXXX ( I trading card protector company! ), XXXX XXXX, XXXX XXXX engine repair, and XXXX ( an autoparts store! ) are not reported to me unless I monitor the transaction log. Also, disappointing Optum bank could not identify suspicious patterns like in XX/XX/XXXX individual transaction ranging from under {$5.00} to almost {$150.00}, totaling to over {$1200.00} at samsclub.com. Of those XXXX charges XXXX are under {$10.00} and occur in blocks of XXXX to XXXX charges a day. This is basic stuff that my credit cards report to my attention. I would think for an XXXX account these transactions would be even easier to identify. 

I am not sure how the card number was stolen, I am wondering if the breach was on their side.
Consumer complaint received 2024-04-11
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

1. Bank of America sent {$2200.00}. to my Insurance company on my behalf. My insurance had already been paid for the year and they sent the {$2200.00}. back to Bank of America and Bank because I was already paid. Bank of America did notify me that my insurance money had been returned to them. They did ask me for proof of insurance and I provided them with the insurance information. I paid {$1400.00} in full to my insurance company on my behalf. Bank of America issued me a refund in the amount of {$50.00} which hasn't been verified as to why this amount was refunded instead of the amount my insurance company returned to them on my behalf. 2. I'm also paying MIP and should not because I had a previous mortgage with Bank of America that was satisfied and paid in full. Also, my tax office sent me a letter sent me a letter that stated that my taxes were about {$800.00} short. Obviously BOA is sending out payments which exceed the amount I owe and are overcharging me for escrow and not returning my money back to me. 

I've written to Bank America twice because my year wait has elapsed and asked that I be able to pay my own insurance and taxes and they have denied my requests.
Consumer complaint received 2023-04-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (FL)

The debt concerned originally occurred as part of a medical procedure that took place due to an injury I sustained in an automobile accident. The original creditor ( XXXX XXXX XXXX ) coded the treatment as XXXX which was incorrect. This error caused my insurance company not to pay as XXXX  is not a covered condition under the plan. I made XXXX XXXX aware of the mistake on several occasions to which they didn't respond. They turned the debt over to Choice Recovery , Inc of which I was first notified on XX/XX/XXXX of XXXX. I informed them of the mistake and they stopped collection activities. On XX/XX/XXXX of XXXX, Choice Recovery , Inc. again made contact concerning the aforementioned debt. I again informed them of the billing mistake and added details explaining that other items on the bill were incorrect and that some services on the bill were not received, Choice Recovery , IncXXXX failed to respond to that email. On XX/XX/XXXX I was alerted by a credit tracking service that a collection account had been noted on my file. Choice Recovery , IncXXXX has damaged my credit while knowing that the debt is invalid and has failed to correct the erroneous information.