davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

Using a PNC Flex Visa rewards credit card, I earned XXXX points. I redeemed them for XXXX {$100.00} XXXX gift cards. The cards were shipped on XXXX/XXXX/2015. On XXXX/XXXX/2015 XXXX closed my account and banned me for life for buying too much ( spending $ XXXX per year ) and returning too much ( around XXXX % of items bought were returned ). The merit of XXXX refusing my business is highly questionable, but in any case, they have refused to allow me to redeem my gift cards, even though they are, by legal definition, something a consumer purchases in return for guaranteed consideration for goods and services. Regardless of that fact, they would not refund my money. I opened a case with the PNC bank rewards people, and after 60 days of runaround, they finally informed me that they will not accept the cards for return. According to their terms and conditions, one of the only circumstances under which a reward can be returned is if the reward becomes unavailable after a consumer orders it. So I ordered it, and that reward became unavailable to me afterward ( before I received it in XXXX, 2015 ). They should take the cards back and refund my points balance. It is unacceptable for a consumer to be left in a position where they 've paid cash equivalent for something and yet get nothing for it. XXXX should not be allowed to deny the use of valid gift cards, and PNC Bank should not be allowed to deny me returning a reward that has become completely unusable before I ever even received it. The bank uses rewards programs to attract and retain customers as well as entice them to spend money on credit cards. PNC Bank succeeded at doing this to me, yet failed to provide a reward of the value guaranteed as part of the rewards program.
Consumer complaint received 2021-11-11
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. (OH)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft :
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

I receive Pennsylvania Unemployment that is loaded on a US Bank ReliaCard. Back in XX/XX/2020 i went to the store and my card was declined. I knew i had funds on it XXXX over {$400.00} at the time ). I called the phone number on the back of the card and was told it was locked due to an " address update '' .. ( also i got no notice at all saying my card was locked or inactive ) but okay no problem, was told to fax or upload my state I.D, a W2, social security card. So i Did that, then received email saying they are sending me a new card. I received my new card somewhere around end of XXXX. I activated new card and all was well, until XX/XX/2020. I went to use my card again at a store for a small purchase just to have it declined. Tried again, declined. I ended up calling the card company again just to be told the same thing i was told in XXXX. I ended up calling over 5 times getting in touch with 5 different representatives, which gave me different reasons ( along with the same reason as XXXX XXXX to why it is locked. One told me it's address/I.d update, another told me it was suspicious fraudulent activity ( which there was none at all XXXX and the other reason was " bank audit ''. I was told to fax/upload the exact same documents i uploaded in XXXX. So i did because i was not getting any answers anyway. Card was locked XXXX XXXX, documents were uploaded XXXX XXXX ( uploaded them twice, because first time they said the file was not able to be opened, but 2nd time it was accepted ) i called back and was told it takes 5 business days for them to be reviewed. I called them honestly over 120 times since the 5 business days had passed and i am being told to just wait, that it is an " off site '' department that handles the locking and unlocking of accounts/cards. I Demanded supervisors numerous times and was hung up on numerous times. Eventually getting in touch with a " supervisor '' or " upper management '' on XX/XX/XXXX and he said that their is no reason at all my card should be locked and he put an urgent/important note in to this department and told me within 24 to 48 hours it would resolved. Today is XX/XX/XXXX and it is still locked and i can not get any answers besides being told to " wait ''. I have been disrespected and hung up on many times. This so called customer service isn't doing anything to help me or resolve the problem. I am behind on my bills and my car insurance is going to end up lapsing if my card is not unlocked ASAP like today. XXXX not to mention, it has nothing to do with PA UNEMPLOYMENT, because PA UNEMPLOYMENT is still accepting my claims and loading $ onto my card that i can not even use due to it being locked. ) I dont know what else to do, this is totally unacceptable in everyway. 

I will take any help i can get. 
Thank-you
Consumer complaint received 2019-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

I am being billed for something medical taking place in XX/XX/XXXX!!! This is my first time being billed and they used my maiden name and old address, two things that have been legally switched. The bill says nothing about what the service was for and this is the first attempt from the original company to collect. When I call the number listed doesn't even mention the company name. EOS-CCA number is XXXX with an invoice date of XX/XX/XXXX. This does not seem legitimate at all.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed numerous complaints with the 3 credit bureau 's about my XXXX XXXX credit card issued by XXXX XXXX. XXXX XXXX is reporting to them every month that I am over the credit limit. It appears to me that XXXX XXXX is selectively ( profiling ) minorities by indicating that I am over the limit to all three credit bureaus. They are selecting what to report instead of reporting accurate account information to the bureaus. 

I have never went over the credit limit on this account. I have made numerous attempts to resolve the issue with XXXX XXXX by requesting a status update letter. However, the letter does not indicate the credit limit. 

I do believe that they are not practicing in good faith as it relates to addressing concerns of minority Americans. I believe they are targeting minorities by reporting inaccurate information to the credit bureaus every month. 

I called XXXX XXXX and asked them would they tell me the day that my credit card was over the limit or even when I owed {$5000.00} on the credit card, both supervisors that I spoke with told me that I was never over the credit limit.
Consumer complaint received 2023-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (WA)

Constant text messages that tell me to call MRS BPO debt collection. The debt is not described ; I call and no one answers. 

They offer an online contact portal, but all it seems to do is try and funnel me into divulging personal information.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  has violated my rights. 

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 the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2023-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (IL)

On XX/XX/2023 I went in person to Truist Bank to verify my identity & open a new account. I made a XXXX transfer of {$100.00} from my XXXX account to the Truist checking account on the same date & 2 mobile deposits on the XXXX XXXX XXXX ; one deposit of {$500.00} to the savings, one deposit of {$500.00} to the savings. My account was marked for fraud & closed. I talked on the phone from XXXX CST to resolve the problem & was denied access to reopen my account & haven't been told where my deposits would go. This definitely is starting to feel like a problem with my ethnic/national/hereditary background. I need help with this matter as I am experiencing discrimination without cause or merit.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On Tuesday, XX/XX/2022 I went into the local branch to initiate a domestic wire in the amount of {$71000.00}. On XX/XX/XXXX the local branch XXXX, XXXX XXXX, called requesting more info regarding the recipient. I provided her the info requested over the phone. It is now XX/XX/XXXX and their XXXX dept still has not released the funds, nor have they requested more information. Wells Fargo is intentionally holding onto people 's money and using their XXXX employees as a valid reason to defraud consumers. These unjustifiable delays are well known in the industry ( I spoke to XXXX former XXXX employees that said this is a known issue for XXXX and the rest of the industry is well aware of their bad practices ). Wells Fargo is causing harm to consumers by delaying valid and credible transactions where no fraud or evidence of nefarious activities exist. These payments are often used to pay off loans and in the process are causing unnecessary and inexcusable late fees, additional daily interest fees, etc. that affect the individual consumer. I received a call today from XXXX XXXX ( XXXX XXXX XXXX over the branch that initiated my wire ) stating that he has tried to reach his XXXX XXXX for what possible explanation they have in holding up the wire and they have failed to respond even after internal escalation. He admitted to me over the phone that this is a known issue within Wells Fargo Bank that is knowingly causing significant financial harm to consumers.
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SYNCHRONY FINANCIAL (TN)

I filed bankruptcy in 2016 which included a wave runner threw synchrony bank. My attorney advised me they would not repossess the wave runner if i kept my payment current this was again told to me by synchrony bank threw multiple phone calls with there bankruptcy dept. Shortly after a repo man came and wanted to repossess the wave runner. Even thow my payment was not late. Shockingly i called them and they advised this was in error and would be fixed. I asked for confirmation letter or a email too support this and was told it was too be provided and if i kept payment current i would gain ownership of the waverunner. No such notification was given and multiple people said different things no one could figure out what too do. 4 years later a repo man comes and says he has come for the waverunner and the police were coming to arrest me for theft!. I am shocked by this and tell the guy it sat here 4 years! And that i had tried to correct the issue and that the bank abandoned the waverunner for 4 years!. As the waverunner was kept in storage the repo agent was upset and demanded i take him too it which its out of XXXX county to which i live i declined i felt he was lying about the police and allowed him to ramble and said we can wait for the police to arrive or you can leave my property. My security camera system recorded the encounter. He got in his tow truck as he said he would find my storage and he kept bolt cutters just for that reason and drove down the road and sat for awhile and then left my neiborhood.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

I have know that I had Identity theft some time in XXXX and I filed a police report on XX/XX/XXXX. I have sent it to Experian 5 times now and they have taken some of the Items off and some remain. They made me fill out a FTC Affidavit which I did and sent to them recently and they took all the items off ( XXXX XXXX XXXX XXXX {$2500.00}, XXXX {$480.00}, XXXX {$480.00} same one 2 times and XXXX {$1300.00} ) I have had cars loans on there and one of the worker let it be know that they know when they let a collection agency put a previously deleted item back on your credit report with a brand new date and account number ... What really. What a bunch of XXXX because they want you to buy their premium services for XXXX a month. This is so wrong I want someone to hammer The Corporations XXXX!!! They have done this to me for years and I could never figure out when I made XXXX a year that my credit was just ok. Please help me this is even worse due to the breach by XXXX in XXXX I was effected again. I still can't get on line with XXXX to this day because of the Identity Theft??? they ask me!!!
Consumer complaint received 2020-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau (IL)

I have a collection account from an emergency room physician XXXX XXXX XXXX at the time of the visit I had and still have the same health insurance company and my co-pays was paid at the time of the services. This collection is preventing me from purchasing my new home and many other things. I would like this to be investigated and removed from my credit report. I would like to see the original documents that were signed during my visit and receipts.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to close all of my accounts with bank of America on XX/XX/XXXX. I paid my entire credit card balance, and it was at a XXXX  balance when I closed it. I was in person at a branch, but the credit card portion was done over the phone in the office of the branch. After closing my card and all of my bank of america accounts, I moved to a new bank. I received no communications from Bank of America and was under the impression my business with them had been concluded. In XXXX of XXXX I received a letter that my credit card was in delinquency, over a {$4.00} balance that was not paid, and an additional {$7.00} in late fees. Confused, I went into my local branch. At the time I was unable to be given an answer as to why the charge was there, how it was closed with a balance, and why I had received 0 communication about the card until the delinquency letter. I was under the impression I was receiving good customer service when the associate at my local branch told me they would waive the {$7.00} in fees, and had me pay the {$4.00}. I had had this card for over 5 years and never missed a payment, so it was clear to the associates in the branch that the {$4.00} was some sort of error. At the time my primary concern was my credit score not being affected by this 4 months of " late payment '' I paid the {$4.00}, and then was again under the impression that I had concluded my business with Bank of America. When I checked my credit score at the beginning of XXXX, I found that it had dropped nearly XXXX points, as the account was still regarded as delinquent, as the {$7.00} had not been waved. I have since paid the {$7.00}, as Bank of America refused to do anything to an account that was in collections. To reiterate, I found out the account was in collections due to my own diligence, I had not received communications from them aside from the 1 delinquency letter on XXXX XXXX, XXXX. I believe it is relevant that they did have my contact information for this letter, but failed to provide any statements or other communication about this account. I then went through a credit bureau adjustment case with bank of America, only to have them conclude there were 0 errors on their end. The department for this is not accessible by customers, and I had to spend hours getting transferred around by BOA to file this report. I had to call and request the result be resent, as the initial letter was not sent, and they could not tell me the findings of the case over the phone. I spent many more hours trying to dispute this information, as it was not accurate. At this point nothing has been resolved, and I have no faith that bank of america is capable of assisting.
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (FL)

I have a collection on my credit that is already paid off that I would like to be taken off the collection is paid in full with, SOUTHWEST CREDIT SYS Originally XXXX XXXX XXXX XXXX Could please help me remove this off of my credit reports they are also still calling me to collect when the debt is paid off
Consumer complaint received 2020-11-09
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: TRANSWORLD SYSTEMS INC (SC)

Upon checking my credit report, I noticed there accounts that are a result of identity theft. I have been doing everything in my power to get these errors corrected but to avail. I have only ever lived at one address and there are more than fourteen invalid addresses listed on my credit report, I have been given the wrong fax number several times by Transworld Systems so that they could see my identity theft report.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CO)

On XX/XX/ I purchased a vanilla visa gift card but that barcode on the back on the card was missing. I called the number on the card to see if I could still use it and they told me that they would have to send me a replacement card. I was told it would take 3-7 business days to receive it. I called back after 7 business days and was told that it actually takes 7-10 business days to get the card. I called back after 10 business days and was told that my card was mailed on XX/XX/XXXX and that I should receive it between 7-10 business days. I never received so on Friday XX/XX/2023 I called back to see why I haven't received my card. I was told to give them 24-48 hours and if I still didn't have it to call back. I'm currently on hold with the card company after being told that my case wasn't processed until XX/XX/XXXX and that it'd be 30 more days before I receive my card. I'm sending that card with my daughter on vacation. I don't have 30 more days to wait and now I'm out of {$100.00}.
Consumer complaint received 2023-03-20
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 — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Company : PENTAGON FEDERAL CR UN Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Credit Card : Ending in # ... XXXX During the week of XX/XX/XXXX, I spoke to PenFed representative XXXX XXXX. She confirmed that if I made a payment to this credit card by Friday, XX/XX/XXXX, it would bring the account current and that no negative information would be reported to the Credit Bureaus. I made the payment on Friday, XX/XX/XXXX, as I promised. However, the next day, Saturday, XX/XX/XXXX, PenFed Credit Union still reported me 30 days late on this credit card account. PenFed has reported this information to all three Credit Bureaus, and my credit score has suffered significantly as a result ; negatively impacting my ability to buy a home.
Consumer complaint received 2019-01-03
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. (FL)

This complaint refers to Account # XXXX opened XX/XX/2011 This account is now over 7 years old and should be removed from mt credit report in all 3 bureaus.