davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

I had an incorrect ACH withdrawal made from XXXX on my PNC checking account. 

I spoke with XXXX and they gave me my options for addressing the situation. 
There were several, but the fastest one involved my contacting my financial institution ( PNC ) to resolve the problem through the Automatic Clearing House  procedures. 
They told me to specificall ask to " unauthorize the charge ''. Then they placed a forbearance to allow time to resolve the incorrect charges.This call took approximately 25 minutes. 

Next I called PNC to take care of this. I started with customer service and explained my request. First she stated that this was completely impossible, and that only the charger could unauthorize. That they could do so, but I would need to have them on the line. After that, I asked for the department to call directly so I could have XXXX do that. Approximate call time 30 minutes. 

I called XXXX, and I waited again on the line for XXXX. I spoke with a supervisor regarding the banks request. XXXX said they had heard many things from banks but this was a new one. THey passed me up to a supervisor.The XXXX supervisor told me that Federal ACH regulations allow consumers to unauthorize an incorrect charge within 60 days of charge being made, and that I should call back my institution XXXX time about 15 minutes. 

I called back PNC. I explained what I was trying to accomplish. THe agent said she spoke to her supervisor and the ACH department. They explained I could put a " stop funds '' request, but that since it was not 3 days prior to the charge that it would most likely not work. They said then after 2 business days I could request a refund and dispute the charge. I mentioned the regulations and asked her to speak again to her supervisors and they again said that whoever I spoke to did not know anything about banks and who was XXXX anyway! 

After another call to the supervisor at XXXX, where the supervisor gave me the error code and affirmed their ability to unauthorize and ach I tried one more time to PNC with no result. 

So I have now spent four hours on the phone today. 
I would like to report PNC for failing to follow Nathional ACH regulations ( at least as I understand them. ) The people I spoke to at PNC were, XXXX XXXX, XXXX?, with supervisor of XXXX XXXX, and a XXXX who they said worked with ACH transactions. 

My contact info XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX email XXXX XXXX
Consumer complaint received 2023-02-08
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: CORELOGIC INC (CT)

I Call several times and the explosion spoke with the XXXX  and he told me that the information will be removed and blocked and deleted forever off my reports. Im a victim of identity theft and this is not me. I have police reports Ftc as well.
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (OH)

Contacted Sears home improvement, XX/XX/XXXX regarding floor installation. I schedule an appointment to meet with a representative, but the rep did not show after 2 1/2 hours. I contacted Sears to inquire about the no show. I was informed there was a miscommunication issue with the rep, and rep would arrive within 15 minutes. The rep never showed. We rescheduled another appointment on XX/XX/XXXX. I decided to purchase the floor from Sears through rep, XXXX XXXX, on XX/XX/XXXX. I signed paper work and applied for a Sears home improvement credit card. I was informed by MrXXXX XXXX, floor would be installed first week of XX/XX/XXXX. I waited 3 weeks, no call to schedule floor installation. On XX/XX/XXXX, I contacted Sears to schedule the installation. I was told by XXXX XXXX, " trying to get a crew together ''. Return call from XXXX XXXX, scheduling installation on XX/XX/XXXX between XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX installers had not arrived. I called the office, was told by XXXX workers had " a brake line issue '' and would arrive within 15 minutes. No previous contact from the Sears office that workers had vehicle problems. I waited, no show. Contacted XXXX again, he stated workers had a 2 hour window to arrive at work site. I was not informed of a 2 hour window. In the meantime I received a voice mail message from XXXX XXXX, XX/XX/XXXX at XXXX XXXX that workers would be arriving soon. I waited, frustrated and angry, I contacted XXXX XXXX   and XXXX and cancelled the work. XXXX stated that I would not receive a refund of {$1500.00} that I was charged to the Sears home improvement credit card. It should be noted, that I was sent a bill for {$1500.00} before any worked was scheduled, and I paid {$100.00} on that bill on XX/XX/XXXX. I contacted Sears credit services on XX/XX/XXXX requesting a refund of the {$100.00} payment, and requested to close the account, but XXXX informed me that I could not receive a refund, and my account could not be closed, and I needed work out the details with the Sears home improvement in my area. On XX/XX/XXXX, Mr. XXXX contacted me to inform me that everyone had been fired from the home improvement  office and only XXXX XXXX remained. XXXX XXXX informed me that he no longer for Sears as a sales rep. In my opinion I was misinformed, lied to and deceived by Sears from the start of the transaction in XX/XX/XXXX. They were going out of business, and were in transition. I should have been informed of this so that I could have made an informed decision regarding doing business with Sears.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

This is an issue with the company fraudulantly requiring me to purchase property hazard insurance. I purchased the property XX/XX/XXXX, and the mortgage was sold to Select Portfolio Servicing, Inc ( SPS ) in XX/XX/XXXX. In XX/XX/XXXX a structural engineer determined that the building on the property was structurally unsafe and required demolition. Following relocation of the building tenants in XX/XX/XXXX, the building as demolished in XX/XX/XXXX, and the lot has remained empty with no structures. I notified the SPS in XX/XX/XXXX that I was not renewing the hazard insurance or flood insurance policy on the property due to the fact that there is no longer any building or other structure on the empty lot. I electronically sent documentation XX/XX/XXXX with the Certification of XXXX of demolition by the city for further proof that there is no longer any building. I continued to receive notice that SPS would purchase hazard insurance so I called the company again in late XXXX, and I was told that they had received my information and would make a note that there no longer is a building. In early XXXX I again received a notice and mailed a certified letter that again included the documentation proving that the building had been demolished and there is nothing to insure. Today I received a letter dated XX/XX/XXXX stating that they purchased a hazard policy and are charging ithe cost to my escrow account. I feel the company is committing fraud by purchasing a hazard policy on a building that does not exist. Given the multiple times that I have communicated to them that there is no building on the lot, they can not claim that this was a simple error r that they were not aware of the lack of a structure.
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank Auto Loans is forcing the establishment of a Wells Fargo Bank Account linked to my personal bank account for online payment of my outstanding auto loan. Upon initial payment on XXXX, I chose to pay my loan via Wells Fargo Bank 's online Web Site using a one-time " webdirect '' payment. This webdirect payment did not require permanent credentials or personal bank account information to be stored with Wells Fargo Bank. It was a one-time payment of a loan and NOT a Wells Fargo Bank Account Transaction . This payment option was in effect until XXXX. On XXXX, I was presented with a captive portal that would not allow me to make my loan payment without establishing a Wells Fargo Bank Account linked to my personal bank. There is no way around this forced payment method. See attached screenshots for details. My only option was to make a payment through their Customer Service Phone Number. The Customer Service Agents inform me that I am not supposed to use their service for my loan payments. Furthermore, these Agents exercise additional Wells Fargo Bank Policies limiting the form of payment such as disallowing the use of credit cards. AND, they threaten to assess a service fee. I don't want a Wells Fargo Bank Account! I just want to pay my loan. The captive portal violates my loan agreement as the loan does not specify any form of U.S. legal tender in making my loan payment. Wells Fargo Bank is just phishing my personal and confidential financial information for no legitimate reason that they have provided me. Furthermore, I was never informed of the payment change that took place on XXXX. Wells Fargo Bank is also known to have violated the public trust in numerous criminal actions that violated the confidentiality of critical financial data of both their customers and non-customers. I demand that Wells Fargo Bank Auto Loans cease and desist in the extremely predatory behaviour! Thank you.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
1.  The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Consumer complaint received 2023-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX has sent me 12 letters in regards quote : TO PROTECT ME THE CONSUMER THEY CANT GRANT ME DISPUTE REQUEST TIL NI SEND THEM PROPER IDENTIFICATION there idiots and responses are frivilous I sent them Passport State ID and Copy Of My Bank Statement as well attached again with this XXXX Complaint since I have XXXX open complaints against Equifax XXXX XXXX at CFPB lack of responsabilitys to enforce I am asking all XXXX open cases to be closed as I have exhausted myself with this waste of tax payers money agency CFPB and exerciscising my right with Attorney to represent me, attached is my last of many open complaints here AGAIN FOR THE RECORD PASSPORT STATE ID AND BANK STATEMENT ( XXXX JUST GOT ADDED TO THE LAWSUIT ) CFPB PLEASE BE ADVISED IAM GATHERING INFORMATION TO SEE IF I CAN ADD AS WELL you have closed and responded many and tagged it as duplicate THESE 3 CREDIT BUREUS AS WELL AS ME YOUR AGENCY IS A JOKE AND THESE 3 IN REGUARDS NO HOW TO MANIPULATE YOUR SYSTEM the attached is AGAIN proof that XXXX as well Equifax responses are not alone lyes but slapping you in the face stating they can do what ever there hart desires CFPB YOUR NOT AT ALL HERE TO PROTECT US YOUR JUST A MIDDLE PERSON PROVIDING PUBLIC INFORMATION were investigating if your even publishing this XXXX SEE ALL LIABLE IN COURT MARK MY WORD
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I am complaining about XXXX XXXX XXXX. They reported late payment on my credit report consistently even when I told them that I am in dispute with the school on the amount since I withdrew from school and their action single-handedly destroyed my credit report, lowered my credit score to the point that at the moment everything I am trying to do to get ahead in my life after a family event of my my wife getting sick and I had to even resign my job to primarily care for her is impossible. Before them my credit score was about XXXX and they by their action reduced my credit score to about XXXX.
Consumer complaint received 2023-01-05
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (OH)

Our hardship began when the settlement company failed to pay for our hazard insurance when we purchased our home in XX/XX/2019, along with a miscalculation of our escrow payments. We were not aware of the settlement companys failure to pay the hazard insurance premium until our monthly mortgage payment went up by about {$400.00} in XX/XX/2019. 

We were making the monthly payments of {$870.00} until XX/XX/2019 when our payment went up due to force placed hazard insurance being added. The annual premium for the force placed insurance costs {$2800.00} ; whereas the hazard insurance we secured costs {$390.00}. We have provided proof that our chosen insurance should have been in place. We have since discovered that the original escrow amount was calculated incorrectly, as well. Now, instead of a monthly payment that was affordable we are faced with a corrected payment that will about {$250.00} more each month which will make it a very real challenge to pay.
Consumer complaint received 2022-12-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CLGF Holdco 1, LLC (VA)

On XX/XX/22 I was contacted by ( XXXX ) XXXX at XXXX and was unable to answer right away. From the moment I called back at XXXX I was pressured into making an immediate payment. I was communicating to the agent that at that moment it wasnt the best time for me to set up an arrangement ( I would have to look at my budget ) and she began to get super hostile and tried to strong arm me. Despite me reassuring her that I would call back at a later time to set something up, she cuts me off and threatened to tell the creditor that I was unwilling to pay the debt and hung up. This is the worst experience Ive ever had with a debt collection and the fact that she said that worries me that legal action is going to follow even though I told her I would call back to set an arrangement. Please if you can investigate the call because right now Im too intimidated by her behavior to even call back and get this resolved.
Consumer complaint received 2023-03-07
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: FIRST FINANCIAL BANCORP (IN)

My concern is that these credit bureaus/companies that need to run your credit to make sure you pay your bills are running individuals ' credit but are not providing people with any loan or credit card after doing so. This puts a two year hard inquire/derogatory mark on your credit report thats drops your credit rating around XXXX points sometimes. My question is, how are people supposed to come out of poverty-stricken areas when the system they have currently set ; makes a two-year derogatory mark on your credit report? This seems like a modern-day trap for slavery. This is unreasonable and only allows the rich to prosper and holds the people needing help at the bottom. I do not believe our credit reports should be affected if they are not providing us with loan/credit line at the end. I believe this is a way for the rich/big corporations to keep control over those who are not as intelligent with electronics/technology/economics and only breeds more hostility and deception. This is not honorable, justice, or reasonable by any means. This allows for people at the top to suppress those at the bottom by means of a fantasy number they control unfairly. I am a man that always pays his bills and have fallen victim to this credit scam even when I'm paying them more money over the term of the credit card, my credit score still suffers. That doesn't make sense. My credit score was around XXXX a couple years back and due to the having inquires ran on my credit I am unable to lower my interest rates on these cards with a personal loan or a debt consolidation loan. The system does not seem to be in favor of hard-working Americans who go to work and pay their bills in my eyes. Interest rates are unreasonable and with the current inflated market everywhere in the United States makes it much harder to be able to pay anything extra on these credit cards. Rent Cost have skyrocketed. Food cost have increased. Essentials have increased. The cost of living has increased. I don't see how workers are even making it in this current market when most of them are only bringing home less than {$1000.00} every 2 weeks. One check these days is your whole rent payment plus some extra. Having a home is a basic necessity that everyone should have in life but it's the things we pay the most for in life. We shouldn't be getting " XXXX '' for rent when we are trying to save for a home of our own. This is a class action lawsuit in itself. America is turning into the land of Monopolies and that is creating what we know today as modern-day slavery through economics and hacking technology. I missed all emails for the previous complaint I submitted but I have my notifications on now. Stop letting the big corporations bully decent hard-working Americans!
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (MI)

I received the card and the way you could pay was by using your bank information on the walebsite. When I started using it they changed the way you have to pay by going through your bank, which most banks do not allow. After my account was past due they then changed it back to the original way you can pay. They wanted the full past due payment. Of almost XXXX more then what it was. The website it XXXX XXXX XXXX
Consumer complaint received 2023-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

Specialized loan servicing, LLC forwarded correspondence XX/XX/XXXX indicating that they were in perpetual denial of title 12 section 226.23 ( H ) of the consumer right of rescission at foreclosure. SLS own words read " Please note that any claim under TILA is a legal argument. This is not the proper forum to respond to legal arguments. Nevertheless, SLS states that any argument for recission is without merit. SLS follows all state and federal laws in the servicing of the above referenced account ''.

SLS even spelled the word rescission incorrectly showing their incompetency in serious matters. These arguments have gone clear up to the supreme court, contrary to SLS beliefs and statements regarding TILA merits and the final decision was for the consumers in upholding our right of rescission. This decision, XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), will make it easier for residential borrowers to pursue rescission claims.
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (SC)

I pay world finance on XXXX XXXX XXXX. in XXXX, South Carolina {$140.00} every month but this month I was only able to pay XXXX plan on catching up in XXXX weeks but they are making me Pt Phone called. They called XXXX times within XXXX minutes. That is on my phone log. And I told him to stop calling repeatedly and they told me that until I pay the full Ville that they would call me.