davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MD)

RE : PNC Bank 's wrongful dishonor of my properly payable check and PNC 's response to my initial complaint I thank XXXX XXXX for responding to the CFPB regarding my complaint that PNC wrongfully dishonored my properly payable check. For the most part, XXXX XXXX response merely reiterates my statements and provides little substantive information. 

Over the period of months during which I was a PNC customer, PNC Bank established a pattern of no-written-response to my contacts on the PNC website and to the email account of the XXXX branch manager as far as I am aware. XXXX XXXX did not provide a written response to my XX/XX/2023 email request to cancel the dishonored check until the written response submitted to the CFPB ; instead she merely emailed a request for a telephone conversation. XXXX XXXX statement via the CFPB that the dishonored check is the subject of a stop-payment order is welcome notification. 

I ask that XXXX XXXX clarify the issues by identifying in writing and in detail the certain circumstances that authorize PNC employees to refuse transactions by providing written bank protocols that identify those circumstances. I ask that XXXX XXXX identify those certain circumstances in the written material provided to me at the time I opened the accounts by page number and by paragraph on the designated page. 

In addition, I ask that XXXX XXXX clarify and identify the specific circumstances that authorized PNC Bank employee ( XXXX ) to refuse the transaction in the case of the wrongful dishonor of my properly payable check. 

The sole transactions in my PNC Bank accounts were large or large-ish dollar amounts ( with the exception of a single $ XXXX XXXX deposit of a cashiers check drawn on XXXX  XXXX Bank ) between generally recognized U.S. financial institutions into the accounts and then out of the accounts, again solely to other generally recognized U.S. financial institutions XXXX These large-dollar-amount transactions constituted NORMAL, USUAL AND CUSTOMARY account activity for me in my accounts at PNC. There were no other transactions. All transactions ( with the single $ XXXX deposit of a cashiers check exception distinguished above ) including the wrongfully dishonored properly payable check share identical attributes : large-dollar-amounts drawn-on and payable-to generally-recognized legitimate U.S. financial institutions. 

It appears XXXX XXXX and/or other PNC employees may not understand the test for normal transactions. I ask that XXXX XXXX provide copies of written instructions, policies and protocols for judging whether a specific transaction is normal for the specified customer in that customers accounts at PNC Bank.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I just received a phone call from XXXX XXXX claiming to be from the XXXX and XXXX Department at the Bank of America. He was calling from a New Mexico number, XXXX, and said that he was calling to verify that it was me who had just applied for a credit card account with the BoA which was using my name, my mailing address, my phone number and the last four numbers of my SSAN. He made references to the CFPB as the government agency that monitors individual credit records. When I challenged him on this saying that the CFPB did not do such things and also that the BoA did not call people out of the blue from New Mexico about credit card applications, he offered to connect me to a 'higher authority ' namely the CFPB XXXX I was transferred to XXXX XXXX who identified himself as working for the CFPB and wanted me to verify that the information that they had was correct and I refused, again saying that the CFPB did not do this sort of thing. He continued to press me and when I said that I was on the www.cfpb.gov website and did not see anything about what he was calling me about as part of the CFPB 's charter, he hung up. In the middle of the first call, I got another call and put him on hold, but somehow, the call was disconnected and XXXX XXXX called me back on XXXX. 

This clearly was a phishing call and as the information that they had was accurate, I am now concerned about identify theft. 

Thank you.
Consumer complaint received 2023-08-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR)

got put into Foreclosure without notice and tried to work with mortgage company but keep getting the run around. The lender keeps delaying the process and providing excuses. This appears so that the lender can get a higher interest rate from me. 

The lender keeps messing up and reviewing paperwork. I have had to redo paperwork due to their mess ups. 

The lender also kept saying to not pay the mortgage payment then comes back to say i am in default. Was placed on a forbearance but was not allowed to make payments and not provided any means to resolve the problem.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-08-17
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: EQUIFAX, INC. (AR)

See attached scan of demand letter sent to Equifax on XX/XX/2023. 

XXXX XXXX XXXX may not legally collect or report the alleged debt. I dispute any valid personal connection to the alleged BUSINESS debt that XXXX  alleges to have been assigned, and they have not provided any proof of those ( two ) assignments : XXXX XXXX XXXX XXXX XXXXr, and subsequently XXXX  to XXXX. Equifax has failed to require that documentation be provided. Simply accepting " certification '' by XXXX as " verification '' of the alleged debt is inadequate under the provisions of 15 U.S.C. 1681 and 1692. 

Notwithstanding the above, it is known that Funding Metrics ( FM ) provides Merchant Cash Advances ( MCA ), which are NOT " factoring accounts ''. The description of the alleged account by XXXX as a " debt buyer '' by Equifax is therefore inaccurate. The alleged debt amount and date are also false and inaccurate and unsupported by any provided documentation. 

Notwithstanding the above, acquiring an alleged debt under the guise of personal guarantee " co-signor on account '' is also improper and illegal. Personal guarantee on an MCA is only actionable upon valid proof of breach of contract, but still illegal because of lack of mutual obligation and other unconscionable terms. No proof of breach has been provided by any of the parties ( XXXX, XXXX, XXXX ). The legal status of MCA are presently in limbo ( see cases quoted in my letter ) : are they loans or unlicensed securities? Regardless, because MCA rely only upon a business ' future receivables for repayment, if there are none - due to the world-wide COVID-19 pandemic and business failure, for example, there is no breach or default.

Therefore, Equifax is essentially taking part in attempted extortion by allowing illegal negative credit reporting by XXXX. Basically, we'll XXXX on your credit report unless you pay.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX - XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX are reporting double accounts for the same amount. One account from XXXX XXXX for XXXX and the same account being reported by XXXX XXXX XXXX XXXXXXXX for XXXX. And this amount twice/ {$81000.00}, and this amount twice/ {$30000.00}. 

In Essence, I only have one loan with one servicer, but it is being reported to my credit report that I have two servicers, and two loans. Six loans total, which is inaccurate. 
XXXX x XXXX XXXX x XXXX XXXX x XXXX Please have them correct this error as it is negatively affecting my credit score and XXXX, thus causing me to not qualify for much needed loans, and a mortgage I am trying to qualify for. Therefore causing me financial harm.
Consumer complaint received 2023-03-20
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. (GA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I have not supplied proof under the doctrine of XXXX by silence, XXXX XXXX XXXX XXXX, I presume that no proof of alleged debts, nor therefore any such debt, in fact therefore exists!
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX and i filed a PUA claim on the pa.government website and my dashboard shows that i've been paid but i have not recieved my RELIACARD from USBANK at this address which has been around 1 yr now and i put a change of address i when i moved. 
but the main reason is i think is i'm not in USBANKS data base but i should be, my claims are being paid. 
i would like to know where my RELIACARD isso i can pay my bills, can you please look into this matter?
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 I received a payoff from XXXX of {$17000.00} on my credit card account. I then paid {$17000.00}, 100.00000 % of the payoff amount quoted. Note, not 99.99 % of the account but PAID OFF TO THE PENNY. XXXX however provided an incorrect payoff amount to me. They later provided {$17000.00} which was the correct payoff amount. Hence the amount I was provided earlier was {$20.00} too low, an incorrect amount. As soon as I knew that we underpaid XXXX, I immediately paid the {$20.00} which obviously was not an issue given that I had just paid such a large sum. XXXX then reported to all credit bureaus the late payment of {$20.00} which we paid them 59 days after we learned they had given us an incorrect amount earlier. Paid in full should be paid in full. Our request of XXXX is to note that the " Consumer disputes late payment '' to allow the credit bureaus to not count this " late '' payment in our XXXX score. XXXX should not be allowed to give 100 % payoff amounts and later punish consumers for their mistake. This is factually and morally wrong. 
XXXX agreed that the payment was in full and refunded my payment of the {$20.00} - see attached file.
Consumer complaint received 2023-05-16
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. (IL)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX I spoke to a representative to follow up on recent payment made to my credit card with Bank of the West ending in XXXX. The payment was enough to pay my cash advance balance. He assured me that my request would be completed in a few working days. He also committed to reverse out the finance charge because we were paying off the entire cash advance off. Today XX/XX/XXXX we received our credit card statement and confirmed the expected action did not happen, I spoke to XXXX, supervisor on call. She explained that request was not an available customer payment option. This was not explained to me by the representative on XX/XX/XXXX. She commented that there was no record made of that conversation. I mentioned to her that conversations like this are important to document. I am a Vice President at XXXX XXXX  in XXXX XXXX in California and been in the banking industry for over 40 years. 
This I believe is not a Fair Credit lending best practice. In light of rising interest rates for credit cards. What they are demonstrating by their practices is that they don't have their client 's best at heart. 

Please direct me on next steps. Thanks! 

XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

XX/XX/XXXX i received a check for XXXX from PHH mortgage company stating overpayment. I called they said they were not responsible for paying my taxes and I never paid anything in escrow towards my taxes. I have a years ' worth of their statements showing monthly escrow for taxes and Insurance. They did not pay my XXXX taxes even though I paid towards them in closing. They cancelled the check, but the money has NEVER made it back into my escrow account and they have now changed my payment from XXXX to XXXX. I have called repeatedly and spoke to multiple escalation managers, and it is still not fixed and my money is missing!!! I have a tax bill from XXXX and XXXX is due in XXXX months. I just had a Escalation manager get on the phone and tell me to shut up and if I want the call to go MY WAY I better be quite and listen to him, Employee IDs ... XXXX XXXX XXXX, XXXX. 
I need help as they seem to believe they can do whatever they want with my money and mortgage. PHH MORTGAGE HORRIBLE BUSTOMER SERVICE
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (CA)

In XX/XX/2023, I applied to lease a Mercedes XXXX from the XXXX. XXXX Mercedes-Benz dealership . The total value of the lease agreement was approximately {$120000.00}.

Despite my robust financial standing, including a XXXX  score of over 800, an annual income of {$340000.00}, and more than {$150000.00} in cash savings, my application was denied. Mercedes-Benz Financial Services USA LLC informed me that the reason for this denial was that I had not previously leased or purchased a car worth {$120000.00}. 

Subsequently, I was approved to lease a vehicle up to a value of {$92000.00}, despite my creditworthiness and demonstrated financial capacity to manage the initially requested lease amount. 

This explanation for denial raises serious concerns, given my understanding that it is not legally sound to gatekeep the approval of lease agreements based on a consumer 's prior purchase or lease history. It is particularly worrisome when an applicant, like myself, possesses a robust financial profile indicating their ability to meet lease obligations. 

I have reached out to Mercedes-Benz Financial Services USA LLC , seeking clarification and assistance regarding this matter. However, I have not been provided with clear reasons or satisfactory assistance thus far. Despite this, I remain hopeful that they will respond and address my concerns. 

Given the absence of clear financial impediments and the lack of satisfactory communication from Mercedes-Benz , I am left with an unsettling suspicion that factors unrelated to my creditworthiness and financial standing may have influenced the decision on my lease application. 

Based on these circumstances, I am led to suspect potential discriminatory practices, possibly based on my race or ethnicity. This suspicion has resulted in significant distress and a sense of being unfairly treated. 

The impact of this decision extends beyond mere financial aspects, causing considerable disappointment and anguish. I am seeking a comprehensive investigation into this matter, to ensure compliance with fair lending practices and regulations under the Equal Credit Opportunity Act ( ECOA ), which explicitly prohibits discrimination on several bases, including race and ethnicity.
Consumer complaint received 2023-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, my husband ( _________ ), and I _______ ), paid off in full, our mortgage with Fifth 3rd Bank. When we requested the payoff figure from Fifth 3rd Bank, we specifically made sure that we requested that they included all loan modifications that we made to our mortgage. We trusted Fifth Third Bank, to give us the total payoff figure of all the monies that were owed against our home so that my husband and I were no longer legally financially obligated to pay any more monies against our home. So, when Fifth Third Bank, gave us the total payoff figure of {$140000.00}, it was through our understanding that this was the total amount of our modified mortgage.

After my husband and I paid off the payoff figure, we received our mortgage release discharge and a copy of our deed. We believed that this was an indication that we were no longer legally financially obligated to the bank. and that we owned our house. 
Fast forward ten months later, a letter from XXXX, that was addressed only to my husband and not dated, stated that we still owed {$28000.00}, against our house. I contacted XXXX, and they informed me that I have to contact Fifth Third Bank about this matter. Yet when I called Fifth Third Bank, they informed me that I needed to speak to XXXX. 
I made numerous attempts to get this resolved through both agencies and neither one of these agencies will assist me because they feel that the other agency is responsible for this error. I reached out to Vice President XXXX XXXX, at Fifth Third Bank, on XX/XX/XXXX, XXXX and again, I was informed by Vice President XXXX XXXX XXXX that she was forwarding my issue to the complaint department. I am seeking assistance from anyone who is willing to help me with this matter. 

On XX/XX/XXXX, I sent an e-mail to XXXX XXXX, Head of Residential Mortgage, at Fifth Third Bank, requesting his assistance regarding this mortgage issue and informed him of all the problems I had been having trying to get assistance from the staff at his bank. 

On XX/XX/XXXX, I received a phone call from XXXX XXXX, Head of Mortgage, at Fifth Third Bank 's Complaint Department responding from email that I sent. While discussing the loan modification payoff, I asked XXXX XXXX about the money that HUD gave for the loan modifications. XXXX XXXX, responded that HUD, never gave Fifth Third Bank, any money what's so ever. I then asked XXXX XXXX how was this possible? Her response was for me to call XXXX, with no explanation. So I asked XXXX XXXX, for a detail break down of all the payouts concerning my loan and modifications. I stated to XXXX XXXX, that I requested a detail payment and all payments from XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX, from FHA Department, who informed me that HUD received a loan amount of {$28000.00}, from Fifth Third Bank. 

I am waiting for managers from different agencies because there is a discrepancy with both sides.