davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

I have PNC and I have been trying to connect my debit card and checking account with XXXX XXXX. According to XXXX   PNc has a security system that is new that prevents PNC users from connecting their debit card up to XXXX. I contacted PNC and they confirmed this is an issue they dont have a fix for. I have rights to use my account for however I deem necessary and XXXX is a trusted company. I need PNC to deliver what they promised which is a better financial future in which I could have with XXXX but they are preventing me from doing so. Also I would like to note that with this new security measure in place I just got an email yesterday XX/XX/XXXX from PNC of a security breach they had to their systems. So if they are sacrificing my ability to better my finances with XXXX  due to beefed up security then why is that the first security issue I have ever had with them. I would like to see this issue resolved and have my account back in my hands not theirs. I tried to connect the account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX and PNCs response was at first were working on getting you connected, to it may take a few weeks, to our security does not allow connection to XXXX. Why does XXXX have over 300 banks on their list of accepted providers that can connect their accounts and yet PNC says it is not possible. These banks include XXXX, XXXX XXXX, and XXXX all major banks in line with PNCs size so that should not be the issue. It is not like Im trying to connect my account to a pyramid scheme or sending money to a XXXX Prince I am connecting to a legit financial growth and investment company. Below you will see the message I get in XXXX after accessing PNC through the XXXX app and connecting via texted access code. XXXX customer service also advises me on XX/XX/XXXX they can not open the access as the access is automatically granted on their end with bank verification. The second picture is an email I receive from PNC directly after stating my account has been linked to XXXX. But after about a minute it cancels the connection and makes you call PNC customer service who state they are unable to help
Consumer complaint received 2020-06-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has been offering an online bank account which included an account opening bonus of {$500.00} plus an interest rate of 1.5 %. I attempted to open this account and take advantage of the offer. The online system denied me access. I contacted the customer service department multiple time and received no assistance. I spoke with a representative over the phone and was told that my problem was due to a computer error on their end. I was told that the company would get back to me once the problem was cleared up, but I received no call back. I wrote a letter to XXXX XXXX, the CEO of Capital One, on XX/XX/XXXX to further request help. I still received no response from him or any other representative of the bank.
Consumer complaint received 2020-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

XXXX XXXX  billing department representative passed the statute of limitations for billing my dental insurance. There are dates that the billing department representative billed the wrong insurance company : XX/XX/XXXX to XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( insurance coverage - primary ) Billed XXXX XXXX on XX/XX/XXXX for following amounts ( {$400.00}, {$370.00}, {$370.00}, and {$200.00} Additional coverage was with XXXX as well during this time but I had a Federal plan from XX/XX/XXXX to XX/XX/XXXX ( insurance coverage-secondary ) Billed XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX {$64.00} XX/XX/XXXX XXXX XXXX and XXXX {$180.00} My copay was XX/XX/XXXX for {$28.00}, XX/XX/XXXX {$55.00}, and XX/XX/XXXX {$83.00}. 

XXXX XXXX XXXX was my secondary and they paid for my copay which is correct on XX/XX/XXXX {$28.00} and XX/XX/XXXX {$83.00} Lastly, as a military   member if I am on XXXX XXXX per XXXX receiving XXXX   care, I can not be billed during that time. I was on XXXX XXXX orders. 

I also had XXXX XXXX  insurance. I changed to due to better options. 

The billing representative verbally stated to me that I had so many insurances. However she does pre authorization especially for my personal XXXX  plans so I can know what my copay is. This is part of the scheduling process. Approval has to be made to ensure the insurance will cover it or the expense will be on the fault of the patient. 

I personally contacted the XXXX  plans and they did see where billing came to there office but it passed the statute of limitations due to it originally arriving at the wrong location.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I called XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX @ XXXX and spoke to the Manager,  XXXX. I agreed to purchase an engine for a XXXX XXXX XXXX and provided my Capitol One Visa card. It was explained to me my card would not be billed until my item shipped. My item never shipped, my card was billed immediately, no tracking number was ever provided, I contacted the merchant numerous times between my initial contact and XX/XX/XXXX. The manager, XXXX refused to provide a tracking number, issue a refund, or provide any info regarding my order. I never received any mail, email, or phone calls back. 
On XX/XX/XXXX I contacted Capitol One and disputed the transaction. On XXXX my account was credited for the fraudulent charge amount {$1200.00} however on XXXX the charge re-appeared. I contacted Cap One and they informed me the merchant would refund my money minus a restocking fee. As of today XXXX, the merchant wont accept my calls, I have no refund, and Capitol one isn't honoring the Visa Dispute policy. 
On XXXX I filed a Federal Trade Commission complaint against the merchant, I sent a copy of the FTC complaint as well as written notice of fraud on the part of the merchant via certified mail to Capitol One at Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX My credit card was charged fraudulently, the merchant intentionally mislead me and by using a scam tactic obtained my credit card number. No item was ever shipped, no receipt was ever provided, no confirmation of any order was ever received, no proof of any shipment was ever provided. The merchant wont respond to phone or written correspondence, Capitol One has failed to honor the Visa Consumer Dispute Policy. Per policy proof of shipment is required to be provided upon request. 
Please assist in resolution with Capitol One as they have failed to respond in writing to my dispute and refer me to a vendor that refuses all communication regarding the transaction.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am an authorized user on my mother 's credit card ( XXXX XXXX ) with Capital One. Capital 1 is not reporting the account to the 3 credit Bureaus, which they are supposed to be. Capital 1 was reporting with one bureau which wasXXXX and it was deleted from the credit report and XXXX indicated that Capital One is the creditor that removed the account and XXXX  indicated that the creditor Capital One would have to reinsert the account on the credit report. I am baffled as to why the account is not reporting to the bureaus and want the account reported to the three bureas immediately, XXXX, XXXX and XXXX.
Consumer complaint received 2020-06-12
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DE)

On XXXX Credit Collection Services ( ccs ) reported a collection account to XXXX and XXXX Credit Bureaus stating that I owe them {$1100.00} I sent them a cease & desist by certified requesting that all reporting be ceased immediately, unless they can provide me with ( proof ) of an agreement between them and myself with my signature ( wet ink ). They have not, I did receive my verification that the mail was signed for ( received ) they have yet to cease reporting this collection account and it is causing me hardship and is a violation of my consumer rights according to
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

I Obtained a conventional mortgage through XXXX in XXXX of XXXX, Mortgage then went to XXXX XXXX XXXX then from XXXX to XXXX XXXX. 

While at XXXX, I applied and my mortgage was modified by the HAMP modification program ( unsure of date ). Loan was then transferred to Rushmore Loan Management in XXXX of XXXX. 

According to my original loan documents my PMI was scheduled to terminate in XXXX of XXXX. I inquired with Rushmore Loan Management, about PMI termination. During an online chat on Rushmore 's website I was given a PMI termination date of XX/XX/XXXX and was advised to submit a request to the PMI department through Rushmore 's online message center, I did and then received a letter, by mail, denying PMI termination dated XX/XX/XXXX. Reasons listed in the PMI denial letter : " It must be at least two years since the origination of your loan '' and " based on the recent appraisal ... XXXX '' while the last sentence reads " We have been unable to contact you to schedule and/or perform and appraisal of your property '' My complaint is that my original loan documents should take precedent and that my PMI " drop dead '' termination date can not be pushed back due to the HAMP modification.
Consumer complaint received 2020-06-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2015, my wife and I had a new loan set-up for our mortgage in the amount of {$460000.00}. Prior to our closing date and loan agreement, XXXX XXXX XXXX, our loan officer and his supervisor, XXXX, called us to meet at the bank. The four of us met at their conference room and they both explained to us that they ( Wells Fargo ) had made a mistake. Our loan had passed underwriting but since our loan was a FULL V/A loan the maximum allowed loan at the time was {$410000.00}. We were given three options, one : re-do the loan with the correct amounts, two : go to another bank to finance the loan and they would help us ensure the loan was approved or three : keep the loan as is and the WellsFargo would pay the difference for their mistake. We chose option three.  They further explained that we had to open up an account with them, Wells Fargo, so that the loan could be originated before they could pay any monies to the account and the difference would be paid in two payments. The difference from {$460000.00} to {$410000.00} ( max VA allowable loan ) is {$44000.00}. On XX/XX/2015 we opened up an account with Wells Fargo per their request and our new loan was set up in the amount of {$460000.00}. On XX/XX/2015 WellsFargo made a principal payment to our account in the amount of {$23000.00} leaving their balance at {$20000.00}. Instead of correcting the loan amount and setting it at {$410000.00}, Wells Fargo set us up for failure from the beginning and set the loan amount at {$460000.00}. We request the remaining balance of {$20000.00} Wells Fargo promised to pay be paid in full to our account immediately.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My statement ending XXXX had a due date of XX/XX/XXXX Then I receive a new statement with a due date of XX/XX/XXXX, with an interest charge added of XXXX with a date of XX/XX/27, before the previous statement was due This new statement cycle was only 16 days, below the minimum in the card member agreement. 

This {$60.00} interest charge is an error, I should not have been charged interest before the payment was due
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (TX)

XXXX XXXX made me sign I contract for employment they said i would make enough money to pay my bills however i did not I tried to complete my contract but was only make {$600.00} a week when i told them I wasnt going to be able to continue my employment they charged me with {$2000.00} on my credit.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Never received a notice which in 45 days per the credit card act of XXXX. Account closed reasons stated : inactivity, current or past delinquency, derogatory public record and/or collection accounts. Received email account closed XX/XX/XXXX and received letter explaining XX/XX/XXXX dated XX/XX/XXXX. Last activity was paid in full XX/XX/XXXX. And I believe negative ( false ) reporting from Bank of America will have negative affect on credit report.
Consumer complaint received 2020-06-12
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: Experian Information Solutions Inc. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX {$87.00} XXXX  XXXX {$630.00} XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX  XXXX {$91.00} XXXX {$450.00}
Consumer complaint received 2020-06-18
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: Experian Information Solutions Inc. (LA)

my identity was stolen someone has received medical care, insurance, housing, loans, etc, in my name. i recently found these findings when starting to monitor my credit.
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CA)

XXXX XXXX XXXX refuse to follow federal laws I have dispute and ask for a verification of debt. I have been told to go XXXX myself! by this company refuse to respond to anything tried to dispute with XXXX  XXXX XXXX told them its verified never did anything liars
Consumer complaint received 2020-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have a loan with CAPITAL ONE BANK USA, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE BANK USA, XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-11-06
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. (PA)

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. " Equifax Information Services, '' is in violation of 15 USC 1692g.They were to notify me of this in writing 5 days prior. I was not notified. As the Original Creditor, only I can validate this debt. I do not validate this debt.Therefore, the following accounts must be delete from my report immediately 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 The reporting of these account ( s ) are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( 2 ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device.
Consumer complaint received 2020-06-18
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. (CT)

I disputed the XXXX account with Equifax credit bureau from my credit report ; the results from the investigation is inaccurate and should be removed from my credit report by XXXX XXXX. I called XXXX and they sent me via email my payment history. The payment history/letter clearly states this debt is good Through XX/XX/2020 ( 7 years ).  However, Equifax doesnt have the same information from the investigation that was provided to me as updated and again inaccurate. I forwarded the payment history from XXXX to Equifax today with hopes that debt will be deleted due to the statement from XXXX debt good through XX/XX/2020 and the 7 year statute of law. XXXX  has already removed the debt from my credit report as of XX/XX/2020.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

I am a long-term citi card holder ( gold card ending in XXXX ) who is at the end of my rope with Citi. I have now had 6 phone calls with customer service, including one with a supervisor last night. 

I have {$7800.00} credit on my account due to XXXX XXXX refunds : 6 on my XX/XX/XXXX statement and 2 on XX/XX/XXXX. I requested a check refund on XX/XX/XXXX and was told I would receive it in 7-10 business days. I requested one again on XX/XX/XXXX via message on the app. because 2 more XXXX credits had been posted on XX/XX/XXXX. Was told two checks would be issued, one for {$5100.00} and a second for {$2500.00}.

When my statement continued to show a credit balance, I called customer service again  on XX/XX/XXXX, and was told the refund was awaiting approval and I would receive a check for the full amount of {$7800.00}. 
When no check was forthcoming, and my account was still showing the full credit, I called again last night, XX/XX/XXXX. I finally spoke to a supervisor and was told the refund had NOT YET BEEN APPROVED and the only way he can communicate with that department is via email because there is NO PHONE NUMBER. 

Meanwhile, Citi is sitting on almost {$8000.00} of MY MONEY. This is not only disgraceful, but I wonder if it is illegal.Another supervisor called tonight to say she is waiting to hear from the approval department and she has no idea of the criteria they use for approval or what the process is.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Ascend One Corporation (CA)

I had debt to pay {$31000.00} on, or about XX/XX/2014 in school full time and this debt hanging over my head made it excruciating difficult, if not impossible to continue with my grades, payments, trips, to & from school. This had a snowball effect. I had contacted CareOne Credit debit recovery service in seeking my virtue outcome. Meanwhile, the CareOne claimed it was going out of business or had sold it to XXXX XXXX XXXX XXXX XXXX. I had, later, noticed their website business was still active, up and running on the internet at their disposal sold my account to XXXX XXXX ( XXXX XXXX ; XXXX XXXX XXXX XXXX ). Today I had called following an account by XXXX XXXX XXXX  By XXXX Corporate office the services provided agent I spoke to Mr XXXX XXXX about this account whom, told me it was a fraudulent because XXXX XXXX is not the agency who last had the account. It was CareOne. Accordingly, I was told those records are not found, don't have access to them. Although I was apprehensive when learning they were exchanging hands. I was cautious but because we had the power of attorney to handle the account ( s ) I really felt safe. As you can see that is not the case. They made a suggestion to contact the three Credit Bureau to see if they can trace the check that was paid out to the account. Thank you.