davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NH)

I am one of the many victims affected by PNC Bank 's acquisition of BBVA and subsequent mistreatment of customers.

PNC informed BBVA customers that their BBVA debit cards would continue to work through the transition period, until they activated their new debit cards. This was communicated in writing on numerous occasions. As of XX/XX/XXXX, their webpage on the acquisition states, under the FAQ heading " My debit card should have arrived before XX/XX/XXXX and it has not, what should I do? '' the answer " Remember, you can still use your BBVA debit card. '' This is false, however, as numerous consumers have reported. ( https : //www.pnc.com/en/about-pnc/topics/acquisition-update.html ) PNC sent my new debit card to the wrong address. I called them to rectify this situation and spoke to XXXX. I provided my SSN and was then asked for the last 5 digits of my PNC debit card to verify my identity. Needless to say, I was unable to do so. I was then passed off to XXXX in Retail Support, who asked me for a phone number to verify my identity, and then informed me that this phone number would not work for reasons that were unclear to me- it is a personal cell phone number which was registered with BBVA prior to the acquisition.

She then asked me to verify prior addresses in the public record. I named 2 of my most recent addresses, and she asked me for another. I told her I would log into my online shopping account to get her a number of prior addresses ( I frequently move for work ). Several seconds later, she abruptly ended the interaction and passed me back to XXXX, who asked me for the last 5 digits of my BBVA debit card before informing me that she couldn't help me on the phone. 

I then spoke to her supervisor XXXX who was rude and confrontational and insisted that I needed to go to a PNC branch, despite the fact that there is not a single branch in my state. I asked him how I could close my account if this proves inconvenient, and he informed me that I would need to visit a branch in person. 

He then provided me with a mailing address to send several forms of photocopied ID to in order to request a new debit card, saying there was nothing else they could do for me over the phone, as my account had been flagged. 

Only after I initiated a complaint via PNC 's internal process did he notify me that I could close my account by mail as well. 

I could not recommend PNC to anyone, this transition has been a disaster, consumers have been lied to, and customer service is no help at all. 

Case numbers : XXXX XXXX
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (OK)

i contacted netspend to file dispute on card and they closed my account completely i cant access any info on line whjen ive called netspend they tell me dispute will be settled by XX/XX/2022 but will not issue a card for my peov isional credit when i called on XX/XX/2022 i spent 2 hours on phone and still not able to access account to see tranactions no card issued and no info giving claim number XXXX AMOUNT XXXX i ask about 10day provisional credit and they keep saying you will get update on XX/XX/2022 when dispute was filled on XX/XX/2022 i just spoke to supervisor who was of no help they are blocking me from viewing transactions online or the phone i cant find out anything attached is XXXX XXXX report of transfers to card ending in XXXX which are all fraud
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SD)

I paid my loan in full of {$88.00} on XX/XX/2022. XXXX continues to report that this was charged off for as of right now, XXXX and XX/XX/2022. This account was never charged off. It was only late, which I paid off in full. They said they would correct it to Paid Charge off, which is still incorrect. I was able to pay in full directly to XXXX. Charge off means that it was written off as a loss and sold to a third-party and unable to pay original creditor. My account was never sold to a third-party and I was able to pay XXXX directly.
Consumer complaint received 2019-07-25
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. (TX)

Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$17000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) This is a duplicate reporting of a third party collection. This item is also being reported on page 9 of the attached credit report. This duplicate reporting is a violation of the Fair Credit Reporting Act and is harming my credit score. These collection line items need to be removed from my credit report. I have contacted the bureaus to fix this issue, but I have not been successful.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC (FL)

On XX/XX/2022 I used a check from my checking accounting to pay my daughter 's credit card of {$300.00}. On XX/XX/2022 I received an email from assistant branch XXXX XXXX XXXX XXXX New York Community Bank XXXX Amtrust Bank location : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX asking me to please call her about a check. I ask her what check in the email. She refused to answer. On XX/XX/2022 she reversed the payment to the credit card. 
This is not the first time this lady has inconvenience me as a customer. XXXX has engaged in stalker like behavior since I took out my account. Every time I walk in the Bank one foot in she will jump up and say " no, no I will deal with her ''. She will constantly call me and email me when I do banking with my account basically telling me I would have to get her permission to do any transaction. She also shut down my debit card. I am XXXX XXXX XXXX and have been subjected to elder abuse. I'm tired of it. She watches my account on a daily basis and sometimes in the past when walking in she will mimic to me my transactions. Due to her harassing behavior in the past of constant calls and in person harassment I withdrew a large sum out of this bank to deposit in another because she was watching my account on a daily basis. XXXX XXXX refused to stop to the point where I stop going in the Bank in fear she will have someone to rob me. 
This event to reverse payment of a bare {$300.00} was insane and I believe this lady XXXX XXXX is engaging in elderly abuse and fraud. I have been victimized by her behavior and feel she only treat the XXXX customers like myself like this. She is over monitoring my account for small transactions and creating havoc. She is also telling me I can not do banking without her permission. 
Enough is enough I will like this women to seize all correspondence to me. She is harassing me. this was not a {$10000.00} or {$20000.00} to say it is reasonable for a branch representative to call me and stop payment. This was {$300.00}. If there is any fraud on my account I will report it to the Bank. She is treating me differently than the XXXX customers. She expect me to gain her permission before I do any transaction with my money. 
Tell this lady to STOP and SEIZE all contact. 
On XX/XX/2022 I called her at the Bank and ask her why did she do that. Reverse the payment. She admitted to knowing my daughter whose credit card I paid so why did she reverse the payment. She has caused my daughter 's account to incur fees and she should be responsible for paying this. I also want them to submit the payment back to the credit card for payment.
Consumer complaint received 2019-11-21
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. (MS)

The credit bureau has shown blatant disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, the credit bureau was delivered this info by registered mail both a dispute letter as well as a follow-up letter. As of today, the credit bureau has not done its duty mandated under the law. The credit bureau 's inaction in this matter and disregard for the law is inexcusable. 
Information is being erroneously included on my credit report, as I have advised the credit bureau to this on separate occasions.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

On XX/XX/2022, AES/XXXX  ( XXXX AES '' ) reported to consumer credit agencies that the subject student loan account was " Closed '' and that it was " flagged ... as not paying off [ the ] balance and [ I ] can not be located. '' This resulted in a XXXX point credit score reduction. Upon further review of the credit report, AES reports that the account is greater than 30 days delinquent in that no payments were received in XXXX or XX/XX/2022. XXXX XXXX documents that AES did, in fact, collect automatic payments for XXXX and XX/XX/2022. Today via telephone AES confirmed that ( i ) the contact information associated with the account is in fact correct, ( ii ) that the account is open and not closed, and, ( iii ) that the account is current and paid as agreed. AES will not, however, correct the erroneous reporting without a formal consumer dispute.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CT)

Chase Bank has mishandled and ignored evidence related to a fraud investigation related to a fraudulent charge under my name on XX/XX/2021. 

I provided proof that this was a case of identity theft. The purchaser of the ticket WENT ON on the flight from XXXX to XXXX. Chase has ignored this point and did not address it at all when I provided evidence I could not have been on that flight since I was in XXXX  for the entire duration of that day. 

Chase alleges that since the booking occurred with my address and phone number that I made the purchase and completely ignored the fact that the person went on the flight when I could not. Whoever has the means to steal my credit card information would easily have knowledge of my name, address and email ( e.g., any purchase anybody makes online needs to provide all of this information ). 


Timeline of events : Around XX/XX/2021, I received a text message from Chase on my mobile phone device indicating that suspicious activity had occurred with one of my credit cards. Chase asked me if I had authorized a purchase from XXXX XXXX and I indicated that I did NOT authorize those charges. When I logged into my online account, I saw a charge for {$1700.00} and some additional charges related to on-flight Wifi purchases. Chase was able to cancel the wifi purchase which was only pending at the time. I called Chase to confirm with them verbally that I did not authorize those charges. Representatives at Chase said they would give a credit for the {$1700.00} charge and that I would not be responsible for it. They deactivated my credit card and sent me a new one in the mail. Around XX/XX/2021 over the weekend, I noticed that the charge for {$1700.00} was posted XX/XX/2021. 

When I called XXXX XXXX, they were able to confirm someone used my credit card and my name to purchase a business class ticket from XXXX to XXXX on XX/XX/2021. According to XXXX XXXX, the person who went on the flight had my exact name.
Consumer complaint received 2019-07-25
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. (NY)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (NV)

I was approved for a mortgage on my homoe in XX/XX/XXXX for {$110000.00} per the deed of trust. I was paying {$700.00} a month until XX/XX/XXXX. I saw the deed of trust did not have a legal prescription and was not properly filed. This loan was processed through XXXX XXXX XXXX, onto XXXX XXXX XXXX, then onto Fays Servicing LLC ( who owns the loan ). I have filed for Bankruptcy Chapter XXXX with one creditor and I have to file a grievance letter so that I can file for adversary proceeding with my evidence.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OR)

Bought a car in XXXX, totaled it XXXX ... On XXXX, my insurance company paid the balance and the account was satisfied. 

In XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost XXXX years ... XXXX times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect XXXX on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ROBINHOOD MARKETS INC. (AZ)

Robinhood continues to violate my rights under the FDCPA. I have requested multiple times for them to stop contacting me via my shared email as 3rd partied have access. I have also requested multiple times for their company to provide validity of this fraudulent debt. 

I recently had fraud that affected my Robinhood, XXXX XXXX, and my XXXX account. Both XXXX XXXX and XXXX XXXX XXXX XXXX ) have discharged the debt as fraud. Robinhood had failed to provide validity of this debt and continued to harass and ignor my request to stop. They don't even respond to my emails. I have contacted my local XXXX County Courthouse and they advised I can file a negligence lawsuit for the debt amount and it can be disputed infront of a judge. They told me I would need to get something in writing from Robinhood to explore this option. When requesting this from Robinhood they refuse to provide me a written statement showing the debt. 

I wanted to send Robinhood a letter requesting validity of this debt via certified mail as permitted to do so under FDCPA guidelines but the company refuses to provide me a address. I just want to clear my name and this company is causing me and my family unnecessary stress over a debt that's fraudulent.
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (UT)

Discover Bank is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX  is reporting a balance of {$8400.00}. The full amount was paid, and posted, to my account on XXXX/XXXX/2022 leaving me with a credit of {$80.00}. 

A statement showing a XXXX  balance was generated ( attached ) and a check for {$80.00} was issued and received, yet my credit report still shows this card with an {$8400.00} balance on a card with an {$8500.00} limit.

This negatively impacts my credit score and despite disputing this and calling the bureaus and XXXX  - nothing has been updated in nearly 3 months.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credible Labs Inc. (DC)

I applied for a loan with this company which I was denied for. The issue that I have is that pursuant to federal law, they do not have the right to deny me my own credit. I am the original creditor and I am the one who will fund this consumer credit transaction with my social security card. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I will be using to originate this consumer credit transaction in exchange for money which the law states I have the right to do. This company is falsely advertising a " loan '' which does not exist. The term " loan '' is not defined anywhere in Title 15 Chapter 41, therefore it does not apply to consumers. The only type of transaction that exists involving a consumer are consumer credit transactions. Pursuant to 15 USC 1679a ( 2 ), the term consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes. So, this company is falsely advertising that they provide " loans '' when in actuality they are denying me my own credit.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX  is reporting a balance of {$8400.00}. The full amount was paid, and posted, to my account on XXXX/XXXX/2022 leaving me with a credit of {$80.00}. 

A statement showing a XXXX  balance was generated ( attached ) and a check for {$80.00} was issued and received, yet my credit report still shows this card with an {$8400.00} balance on a card with an {$8500.00} limit. 

This negatively impacts my credit score and despite disputing this and calling the bureaus and XXXX  - nothing has been updated in nearly 3 months.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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.