davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (TX)

The accounts are due to fall off my credit reports next year on XXXX and XXXX. The accounts are with another collection agency XXXX on my XXXX and XXXX reports. The accounts are credit card debt for XXXX XXXX XXXX The accounts were reported as new accounts on my XXXX credit report by National Credit Adjusters on XXXX
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NC)

I would like to describe a clear violation of UDAAP perpetrated by PNC Bank against me and most likely many other consumers by PNC not properly or accurately disclosing the actual process and delays in crediting accounts for an internal PNC account to account funds transfer ( causing significant financial penalty fees - " Overdraft '' to my account ). 

I recently arranged ( XX/XX/XXXX ) to transfer {$400.00} from one PNC checking account to a PNC Line of Credit Account which covers another PNC cheeking account to ensure I would not overdraw the account. The PNC Bank - Online Banking site clearly discloses a " 1-day delay '' to process the transfer which would have meant the credit to my line of credit account would be made by XX/XX/XXXX ( which in fact it was ) and in time to cover my account against any shortfall. The problem is that PNC did not make such funds available in my Line of Credit account which caused my personal checking to overdraw and to-date incur over {$200.00} in overdraft fees - nice scam if you can get away with it, In speaking to representatives of PNC Bank, they noted they could not assist me with returning my overdraft fees since it was not bank error and they noted the delays in crediting my Line of Credit account would have been disclosed to me in account opening agreements that were provided to me several years ago. This is where the UDAAP violation appears to be. The proper place for disclosing delays in crediting ones account should be on the Online Banking transfer page and not buried in the " mice-print '' of a document provided years prior. 

This incorrect and misleading disclosure of the " 1-day delay '' on the Online Banking transfer page would cause any reasonable consumer to believe that monies that they are transferring from one PNC account to another PNC account would also be available in the receiving account pursuant to the " 1-day delay '' as disclosed. 

I am asking the CFPB to investigate this practice and require PNC Bank to provide restitution to any and all clients that have been adversely impacted by PNC 's flagrant violation of what anyone reasonable consumer would consider unfair, deceptive and abusive. 

I am also asking that PNC Bank correct its Online Banking site to provide accurate and meaningful disclosures about the timing and delays associated with internal PNC Bank funds transfers to inform clients and prevent predatory actions and fees from being assessed. 

Finally, I am asking that PNC Bank refund any and all overdraft fees related to this recent clear UDAAP violation to me as soon and their investigation is completed and confirm such in their formal response to the CFPB.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

Since XX/XX/2019 we have been trying to get SunTrust Mortgage to release our insurance funds from Hurricane Michael. After weekly calls we are continuing to get different stories and different instructions. They have stalled to the point we are paying our contractors out of our pocket. To date this amount is close to {$50000.00}. We have submitted checks that clearly show the out of pocket expenses and still no reimbursement. First they said schedule a Inspection so we did. After 2 weeks we called back to find out when inspectors were coming to be a told the Inspection had been canceled due to not being able to contact us. They rescheduled Inspection and a week later we called to find out it was again canceled. At this point after checking both of our phones I responded I would go to XXXX to pull our phone records and prove fraud on their part. A lady contacted me the next day for Inspection. The following day the lady showed up with her children along to do Inspection. This was almost 2 weeks ago. The day after the Inspection we received an email stating the inspector had canceled the Inspection. Even though the Inspection had been completed the day before.
Consumer complaint received 2023-08-11
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. (IL)

I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act section 605b, and the Credit Bureaus ' failure to address the issues raised to their attention. I have been a victom of fraudulent activities and the accounts and information they have been reporting on my Crediet File are the results of such crime. I previously asked the Major Credit Reporting Agencies to remove investigate and remove the accounts and information that resulted due to fraud but upon viewing a copy of my updated Credit report, I am disappointed to see that the Credit Bureaus did not act accordingly. The following items should have been removed fro my Credit File, but instead, the Credit Bureaus continued reporting these items without properly verifying the items : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. I have read the Credit Bureaus ' respomce via the CFPB and they claim that the items they report are accurate yet they have failed to provide supporting documents. If what the Credit Bureaus claim is true and that the disputed items belong to me, I need them to present necessary supporting documents bearing my signature. And in the event the Credit Bureaus fail to do so, I expect the Credit Bureaus to remove the disputed items as soon as possible.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XXXX XXXX at around XXXX, California Time, we spoke with Lender Rep in regards of EMERGENCY Loan Modification. 
We are respectfully love to stay in our beutiful Home, and raise our childrens and have a prosperous Mortgage Affordable monthly payments. 
If there is a apportunity to have a Mortgage Credit Certificate, to have prosperity in Federal Relief we highly aprreciate it. 
I XXXX XXXX XXXX XXXX, on around XX/XX/XXXX my mom XXXX XXXX Purchased Our new Construction home at XXXX XXXX XXXX  CA. 
In XX/XX/XXXX my mom was diagnosed with XXXX and she past away XX/XX/XXXX.Our family went through a very difficult financial hard ship and as my mom XXXX XXXX death devastated the entire family.Funeral expenses and other. 
Home expense was implemented during my mom death. 
On around XX/XX/XXXX my dad Mr.XXXX XXXX was going through a Medical Complications and need my Care taking assistance. 
But the las 2 years his Health condition got worst, I would have to take time off work, call in sick so I can take my dad to his appoiment and ER. 
So my income was insufficient to Retain the mortgage Payments and expenses at our home XXXX XXXX XXXX CA.XXXX. 
Presently we have substancial income to accommondate with mortgage and home expenses. 
I'm respectfully requesting for Lender to modify the existing loan under {$2000.00} a month with a 30 years Fixed Loan Rate, Plus with no Pre-Payment Penalty.Please include Property tax and Home Owners Insurance in Escrow Account. 
Notice : My Dad Mr.XXXX XXXX is XXXX XXXX and has Pre-Existing Medical Condition. 
Thank you for supporting Military Veterans, as Im a U.S.XXXX Military Veteran.

With honor and Respect Always. 
Please make communication with me XXXX XXXX by email : XXXX as I am taking care of my Dad Mr.XXXX XXXX, XXXX XXXX Medical Issues at Home. 
Thank you for your wonderful support.
Consumer complaint received 2018-12-27
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ECMC GROUP, INC. (CA)

I have received a postal communication from " XXXX XXXX XXXX XXXX '' about unpaid student loan recovery on XX/XX/2018. They have threatened to withhold my wage if loan is not paid. I have never taken any student loan. I believe this is a case of identity theft. Please take necessary steps to ensure this does not happen again.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

This is my NUMEROUS 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 items. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MA)

XX/XX/XXXX XXXX charged through XXXX a balance transfer of {$10000.00} to my mother 's citibank credit card. They also charged on both my father 's XXXX and Citi card as well but I am focusing on mother 's card in this report. I reported the fraud to Citibank and they denied the dispute. They sent me to the Dispute department who also denied my report. 
In XX/XX/XXXX I also reported the problem to the FTC, VT Attorney General 's Office, Vt State Police and the XXXX XXXX XXXX. In XX/XX/XXXX I learned that the FTC tried XXXX XXXX XXXX XXXX Case number FTC Matter/File Number:XXXX XXXX I have reported the XXXX charges again to Citibank and we heard nothing from the company for months i.e. no cc statements were sent to my parents for a period of time and the fraudulent charges and interest continued to grow. My mother just received a letter from Citi dated XX/XX/XXXX stating her balance of XXXX was sold to XXXX XXXX XXXX XXXX c/o XXXX XXXX @ XXXX XXXX XXXX XXXX, SC XXXX XXXX. So basically Citibank denied/ignored that the FTC tried XXXX and that it is documented as a fraudulent company.They then sold a bogus debt ( dollar amount ) to the debt collector. My fear is that this has gone on with CITI for 3 years and now my parents will be harassed by this debt collection company.
Consumer complaint received 2018-08-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Auto Finance did not have a valid enforceable contract in the State of Maryland, see original contract only valid in Virginia, therefore contract was rescinded timely and properly. 

Capital has failed to return all status quo including title and monies due. Moreover Capital One Auto Finance has commenced to continue to defame my character, financial face and status to the credit reporting agencies.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We tried using our credit card, BofA, the week of XX/XX/XXXX. Started at a restaurant, was declined for about {$65.00}. I sat there and waited about 5 minutes to talk to the fraud dept. and they said there was nothing wrong with the card and it was XXXX to use, so we tried again and it went through. Walked across the hallway to a clothing store, declined again for about {$25.00}. I called from that store, on hold for about 15 minutes, they said there was no reason it was denied and to try to use it gain. We walked across the hallway to a jewelry store, again was denied for about {$600.00}, called and waited about 25 minutes this time for a fraud rep., she said there was nothing wrong with the card and I insisted to speak with someone else. The new rep said she saw that I should have received a text asking if the purchases were correct, I did not. She, like the other 4 said and insisted the card was now working and no more problems. I tried again at the next store for about {$42.00} and it was declined again, this time the fraud rep said the cards were deactivated but could not tell me by who or why but that they were fixed and I could use them.I ended up using my XXXX credit card for all the purchases that were declined except the restaurants. 
I insisted on a letter stating all my problems and why they were caused and she told me I would receive a letter in the mail with in 10 days. Of course received nothing. 
Today. XXXX, tried using our same card again, ( we have had no problems the last several weeks using it ), the card was declined again at a car wash. I called and spoke with 2 different fraud reps, saying someone had deactivated both our BofA cards, could not tell me who or why, could not give me to anyone else to talk to about why that happened again and that they sent us 2 new cards XX/XX/XXXX, when we just received a new card 2 weeks ago. They are extremely frustrating and seem to just close accounts for no reason, or at least their reps say they have have no idea why any of this was occurring.We have a $ XXXX line of credit and at the most use about XXXX a month and pay it off every month. And no matter how many times we were declined, we did not get any tects telling us, and eventualy did get 2 e mails way after the problems occurred.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

HSBC BANK USA N.A. CUSTOMER CORRESPONDENCE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CHARGE ON CREDIT CARD FOR {$24.00}. WAS AN CHARGE I DID NOT MAKE. IT WAS A PURCHASE THAT WAS MADE FRADULENTLY. LAST 4 OF CARD NUMBER WAS XXXX. THE CHARGE WAS NOT MADE BY ME. I CALLED THE COMPANY AND ADVISED AND THEY CANCELLED THE CARD AND ISSUED A NEW CARD. I DISPUTED THIS AND THEN THE COMPANY CAME BACK AND SAID I STILL HAVE TO PAY IT. EVEN THOUGH IT WAS FRAUDULENT. THE COMPANY GOT BACK TO ME ON XX/XX/2021 AGAIN THIS CHARGE WAS NOT MADE BY ME.
Consumer complaint received 2023-08-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

On XX/XX/XXXX I communicated with two different agents at the XXXX XXXX XXXX collection agency about a prior XXXX account. I called to inquire about the date that they are reporting my account was opened. According to my XXXX credit report, they are reporting that this account was opened XX/XX/XXXX. This account was opened in XXXX and did not enter delinquency until XXXX. This is considered " re-aging '' and not only violates federal law, but it goes against the Fair Credit Reporting Act. When I spoke to the female agent she said that I was wrong and it did not go against FCRA. I let them know that I was calling to report the error and if it is not corrected I will be contacting an attorney.
Consumer complaint received 2019-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Self Lender Inc (PA)

I signed up for self lender today and thought i understood that each account only 12 months. However I read the confirmation email and it said 24 months. I called self lender and tried to explain that i misunderstood their website and wanted to subscribe to the 12 month plan, even though its higher monthly amount. I spoke with a XXXX, who unprofessionally shortened her name to XXXX when i asked to speak to a manager. XXXX told me that it was pretty much my fault and they don't refund the {$9.00} service fee.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-08-11
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. (IL)

To whom it may concern I was a victim of Identity theft I have reached out to all 3 major credit reporting agency Equifax, XXXX and XXXX these said accounts were deleted from my account. The accounts was deleted from my credit profile and was reinserted. Section 611, States I was to be notified in 5 business days of my account being reinserted back onto my credit profile and also according to the FCRA all 3 credit reporting agencies must have the same information. I also opening up a dispute on XX/XX/2023 and got a quick response back in 3 days the the items was verified as mines. It takes an investigation 30 days so I'm assuming they never investigated the accounts I stated in my report please provided all statements showing the exact times these account occurred I can't open another dispute according to the FCRA as a consumer
Consumer complaint received 2022-11-06
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. (NC)

In accordance with the Fair Credit Reporting Act Installment Account XXXXXXXX XXXX Account Number XXXX, Credit Account XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, Has violated my rights. 15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681 Section 623 B Section XXXX : The Information is, in fact, still inaccurate.15 U.S.C 1681 section 609 A : Every Consumer reporting agency shall, upon request, clearly and accurately disclose to consumer :
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eaton Group Attorneys LLC (LA)

wages are being garnished by Eaton group attorneys for a debt that i am unaware of. they said they served me papers that i did not get or sign for. i asked for proof of this debt and that it belonged to me and i did not receive anything. they do not answer the phone or return calls.
Consumer complaint received 2019-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Greetings, I have disputed inaccuracies on my credit report with XXXX, XXXX and Transunion as well as XXXX. XXXX removed the inaccuracies due to identity theft/fraud to which a police report was provided to ALL credit bureaus. However after several disputes to XXXX, XXXX and Transunion all has stated that the information has been verified. I have additionally sent letters asking for their method of verification, and the only response received is that the information is verified. I have contacted XXXX as XXXX is their 3rd party vendor, verifying said information, to which I received a letter from XXXX that that the inaccurate information was removed as well as they provided me with an updated credit report.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capitol one recently started allowing the transfer of their reward points to airline frequent flyer programs. Their points are valued by capital one at XXXX cent per point. I currently have XXXX points and change. Capital one sent me an email advising me of a unique opportunity to transfer to emirates airlines. Checking that they had a flight available for my dates, I initiated a transfer of XXXX miles. a day later I discovered that capital one reversed my transfer and restricted my online access. I was informed I needed to send the following pieces of information : Drivers license, SS card, Utility bill and Frequent flyer account screenshot. All of which was done immediately. Multiple representatives informed me of a XXXX - XXXXXXXX XXXX  resolution time to verify my identity and restore access. This was as of XX/XX/XXXX. It is now XX/XX/08 and I still don't have any resolution. Capital one keeps on informing me that they're reliant on a third party vendor to verify documents and until then they can't get the back end team to lift the restrictions. I can not use my credit card for any purchases in the meantime, nor can i manage my account online. Capital one has informed me that this may take as long as 4 months. I am flabbergasted that I can be subjected to such apparent abuse by a financial company who clearly is looking to get customers to forfeit their points rather than have customers redeem it.