davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IN)

On XX/XX/2022 my husband and I applied for a HELOC at PNC bank in XXXX, IN. The loan XXXX XXXX XXXX completed the application on her computer and we then signed the paper work. The next day we received and email from the loan XXXX in charge of our application, XXXX XXXX. We were told the process would be that they would do a home appraisal and then submit it to their underwriters. I don't have the exact date but somewhere near the beginning of XXXX we received a congratulations letter stating we were initially approved pending the appraisal. The bank told us to receive the amount of loan we were asking for we would need a minimum {$250000.00} home value for a {$110000.00} HELOC. Our appraisal came back at {$250000.00} as is and higher once the project was completed. On XX/XX/2022 we received another email stating that our loan application had been closed. I emailed XXXX XXXX asking her what that meant, thinking it meant we are about to sign for the loan. She wrote me and said their was not enough equity in the house. I wrote back saying I was confused that we only needed {$250000.00} and he had more than that. She wrote me back and said it was actually denied because our home is an A-Frame house and PNC does not loan on A-Frame type houses. I said why didn't someone say that 2 months ago. We would have never applied for the loan if we had known that. There is no way to hide the fact that it is an A-Frame house. I told her I would be reporting this to the necessary Federal agency. On XX/XX/2022 I received a phone call from someone named XXXX. I told her I was driving to a doctors appointment and would not be able to write anything down, she told me she would send her personal information to my email. She verified my email address with me. She tried to mislead me that it was our fault about the A-Frame and I told her that was absurd and that we would have never applied had we known the policy. She said she would investigate it and get back with me today, XX/XX/2022. I did not receive XXXX 's personal information nor have I heard anything from her, yet. 
We have wasted 2 months and interest rates have now doubled since we signed the original loan documents. The fact of the A-Frame should have came up at first meeting then we could have walked away and went to a lender that did approve our type of home. Now we are looking at higher interest rates and that is not right. We have been a customer of PNC for quite a few years and we are looking into moving to another bank.
Consumer complaint received 2023-03-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

CAPITAL ONE XXXX Date opened : XX/XX/2018 Balance : {$540.00}.
Consumer complaint received 2019-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/19 XXXX I drove up to Bank of America ATM machine, the XXXX XXXX XXXX XXXX Texas, and deposited {$7500.00}. ATM number is XXXX. The ATM machine took all my money but the receipt says only {$300.00} was deposited. I called the Bank of America claim department right away and spoke with XXXX. She filed a claim for {$7200.00} because the recepit says {$300.00} deposit was made.

I spoke with a representative at Bank of America on Thursday and she mentioned it could take up to 45 days until I get my money back. {$7200.00} is a large sum of money and I feel uneasy. So I called Bank of America claim department on Friday, XX/XX/XXXX, and spoke with XXXX in Arkansas. Before she picked up a phone, my calls kept getting disconnected and I had to be on hold 11-16 minutes each 2-3 times I tried to speak with someone.I demanded to speak with a supervisor but she said they are busy and the supervisor is answering other calls. I was talking with XXXX  for like 15-20 minutes about my situation and she kept saying her supervisor can not come to the phone to speak with me. According to XXXX, supervisor named XXXX put in the request to review on Monday but it could take up to 45 days. Its {$7200.00} not {$720.00} I am talking about!

The representatives I talked on phone said, Bank of America open up the ATM machines and count the money at least twice a week and its been 5 business days since the incident. Why do I have to worry about whether or not I would get money for 45 days? And the representatives kept mentioning the bank might or might not give me a temporary credit. Temporary credit? Temporary credit is not enough! Its Bank of Americas ATM error and its my money, {$7200.00}. This situation is totally unacceptable and I want my money back right away. Please assist me! Thank you.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I am a joint account holder with my XXXX  year mother on a checking and savings account at PNC Bank and when I tried to access funds using an ATM, the kiosk stated that the request for withdrawl exceeded my limit. I also need to pay for my mother 's assisted living and rehabilitation care and the accounts are frozen
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

My records indicate that I paid in excess of 120 payments towards my student loans. I qualified for forgiveness under the PSLF program. FSA Aid website indicates that my loans were paid off as of XX/XX/XXXX. I continued to pay until the covid relief started. From my understanding of the rules, I am entitled to a refund for all payments in excess of XXXX. Which means I would be due a refund for payments made from XX/XX/XXXX through covid relief in XX/XX/XXXX ( XXXX payments ). Mohela states I am not due a refund. They can not give me an explanation of why/why not. They state FSA makes that decision.
Consumer complaint received 2022-06-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XXXX, XXXX In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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
Consumer complaint received 2022-06-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, XXXX In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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
Consumer complaint received 2022-06-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On several occasions I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. XXXX XXXX XXXX has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to XXXX XXXX XXXX was XXXX of XXXX. However XXXX continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The Credit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the Credit Reporting Agencies allowed XXXX  XXXX XXXX to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. 

Re-aged charge-off dates according tot the Credit Reporting Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ).

Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc. (GA)

AUGUSTA COLLECTION AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has been sending me collection notices in the amount of {$2500.00} XX/XX/2018 2.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Consumer complaint received 2019-08-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

The amount of bank fraud that PHH commits is unreal. We are currently in a short sale review. Have been for 7 months. PHH ordered a new appraisal. The appraisal came back at {$280000.00}. Our offer in review is {$280000.00}. PHH declined our offer that is over market value and requested {$300000.00}. That's good old fashioned bank fraud. Our offer is over market value!!! What PHH is doing is illegal. Bank fraud.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (FL)

I am writing to formally request a copy of the 1099-C form for the charged-off debt associated with my account, as required by the Internal Revenue Service ( IRS ) regulations. Despite multiple previous requests, I have yet to receive this crucial documentation from your agency.

Additionally, I am deeply concerned about the continuous communication I receive from your agency regarding the settlement of this debt, despite it being charged off and reflected as such on my credit report. These persistent calls, which occur multiple times a week, not only cause undue stress but also seem to contradict the status of the debt as reported on my credit report.

It is important to note that I have requested the 1099-C form on numerous occasions, and each time I have been informed that it will only be provided upon payment of the outstanding debt. However, it is my understanding that the debt has been charged off, indicating that the creditor has deemed it uncollectible. As such, I am puzzled by your agency 's insistence on payment before providing the required IRS documentation. 

Per IRS regulations, creditors are obligated to provide debtors with a 1099-C form when a debt has been canceled, discharged, or forgiven, and the amount forgiven exceeds {$600.00} in a calendar year. This form is crucial for accurately reporting income to the IRS and fulfilling tax obligations. 

Therefore, I request that your agency promptly provide me with a copy of the 1099-C form detailing the canceled debt, as required by law.

Furthermore, I reiterate my request for your agency to cease all communication regarding the settlement of this debt, as it is charged off and reflected as such on my credit report. Continuing to contact me to settle a debt that has been charged off may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Failure to provide the requested documentation and comply with the cease communication request may result in legal action to enforce my rights under the FDCPA and other applicable laws. 

I expect your prompt attention to this matter and request that you provide me with the 1099-C form within [ specify a reasonable timeframe, such as 30 days ] from the date of this letter. Please acknowledge receipt of this request and provide confirmation once the requested documentation has been provided. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

called and disputed transaction amount of XXXX from XXXX, i never got items, however after 120 days they sent me a letter stating the temporary credit was permanent, however the amounts was pulled back out of my account, so it was taken out, reversed and applied back into my account and the actual merchant took it out again, and i still dont have the products, also i attached email to wells fargo showing they sent me the wrong tracking number and the new one showed delivered however i never got the products, the investigation took longer than the 30-60 days and i am out of my money,
Consumer complaint received 2022-06-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Re : Account number # XXXX I have previously disputed the accuracy of the information for the closed at my request and paid in full account with XXXX and all CRAs ( Experian, XXXX, XXXX ), however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts.

The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Last reported Date last active Date of last payment
Consumer complaint received 2019-08-24
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)

Incorrect accounts are reporting on my credit report US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX
Consumer complaint received 2019-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

I have had my mortgage for around 3 years at this point. This is the 2nd time that my loan has been transferred to another servicing company ( 3 companies involved ). As of XX/XX/XXXX, my loan will be moved from Quicken Loans, ranked # 1 by various outlets for their mortgage services to a company called XXXX XXXX whom has terrible reviews and has not helped me get acquainted with their payment portals or processes. I currently have my loan serviced through Quicken Loans and was very pleased with their services. I do not want my loan transferred again to XXXX XXXX whom did not even answer my call when I called to hear details of this transfer. Every time my loan gets transferred to a new service provider I am forced to continually provide confidential information to multiple companies ( security concern ) and realign my finances and schedules. Having my loans reassigned so often is an injustice. This repeatedly happens for other loans as well. Please tell me there is a way to stop this as it is becoming beyond an inconvenience.
Consumer complaint received 2018-10-10
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: CHECK INTO CASH INC. (WA)

XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX   credit report showing an inquiry from XXXX XXXX XXXXXXXX ( XXXX ) from XX/XX/XXXX that she did not authorize. An official dispute of this inquiry was provided to XXXX XX/XX/XXXX, however XXXX replied they were not able to research the issue further due to lack of information. XXXX was provided, the date, the credit bureau and the PII of my client, this is more than enough information to find and remove data from a credit report. A credit report obtained XX/XX/XXXX listed the XXXX inquiry still listed under XXXX. This is a violation of the FCRA. Recent changes to the FCRA ( Sec 621 ( a ) ( 2 ) ) have increased penalties for violations for failure of " duty to correct ''. 


XXXX client, XXXX XXXX is a victim of identity theft. She was notified that her information was used to obtain a cash advance loan with Check Into Cash on or around XX/XX/XXXX for an amount of {$850.00} dollars. An official dispute of this was provided to Check Into Cash XX/XX/XXXX ; however a credit report obtained XX/XX/XXXX still listed the Check Into Cash inquiry under XXXX and as of this date Check Into Cash has failed to reply as to the status of the dispute, this is a violation of FCRA and my client 's consumer rights.
Consumer complaint received 2022-06-10
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. (TX)

hello, my name is XXXX XXXX ans I am a victim of ID Theft. The credit bureaus already deleted the fraudulent previously and reported it under a different name ( XXXX XXXX ). i have included my FTC report.
Consumer complaint received 2022-06-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several accounts being reported on my credit report. I do not knw any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.
Consumer complaint received 2019-08-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Roach & Murtha, P.C. (NY)

On XXXX this company Roach & Martha called my employer and threatened to reveal private information about an alleged debt that is unverified. They threatened me and that they would mail/verbally send I information to my employer that would jeopardize my employment etc. The man was very combative and aggressive on the phone. He said he would keep calling my job everyday.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (CO)

in accordance with Fair credit reporting act XXXX  XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2020-11-16
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. (CA)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Its almost been a year since I first contact Citizens bank to look into this issue. Weeks ago I repeated the process. From the time of the complain until now my girl friend has XXXX  her XXXX  XXXX in the hospital. Despite all these happening Citizens bank has taken no action. I want to plead that Citizens bank should take action on working with me as a victim of a fraud scenario.