davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (FL)

PNC Bank is the problem XX/XX/19 {$15000.00} was the amount of the check. 
charged {$40.00} returned check fee and an extra {$150.00} from the XXXX XXXX County Tax Collector I wrote a check to pay my taxes and PNC Dishonored the check. They claim it was an irregular signature. My signature hasn't changed in more than 50 years. They sent me no proof of what was different. I am XXXX years old and I am not leaving the house because of Covid-19. I tried to call PNC to complain about the nearly {$200.00} if cost me because they couldn't take the time to verify I wrote the check. I wanted them to speak with my daughter. They asked way more than normal security questions. I think they had one of my old addresses ( more than 15 years ago ) wrong and they wouldn't believe my answers! After nearly a half an hour they said I wasn't me and they wouldn't speak to my daughter about the account or issue. They told me I had to present in person at the bank. As I said before I am not going out in public. If there is a questionable charge on a charge card the banks do not hesitate to call, text, or email but PNC did nothing but mess up my tax payment. My check should never have been refused and I wasn't given the courtesy of a phone call. I have never had something not accepted because of my signature! It was to pay taxes! Who fraudulently pays taxes! It was absurd and the questions they harassed me with were unreasonable and I told them it was hard to hear them! PNC also doesn't have an email address to send a message to either. 

Thank you for your help! 

XXXX XXXX
Consumer complaint received 2020-07-15
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-25
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. (CA)

Credit Card XXXX with XXXX XXXX  was said to have been under a 2 month billing cycle extension in which the minimum payment was set to {$0.00} for the months of XXXX and XX/XX/2020. Additionally this account which already had a minute balance was paid completely as attached herein on XXXX XX/XX/2020 It is reflecting as 60 days past due on credit I have taken every reasonable remedy to rectify with XXXX XXXX  inclusive of 22 calls, 6 letters including 3 additional certified. Multiple correspondences to their executive relationships team even requesting legal and arbitration in accordance with the their terms of agreement and have yet to be provided such. 

They use what they classify as a confidential shared op to communicate in relation to customer accounts and advised while they did offer the same arrangements my account appears to have multiple inaccuracies and is confusing that is not my issue. They further state the employees were provided a coaching and training as my account was handled wrong though it is accurate. It is absolutely not accurate and this has caused me significant setbacks and become way more of a hassle for a {$200.00} balance than ever needed to be for either one of us. I was a customer for 8 years never 30 days late didnt start now Additionally you shared 4 different customers personal information with me when attempting to communicate and I had to advise your executives in your own office of such there was no apology no ownership no nothing but I kept those XXXX XXXX as well and will be sharing them online and in support of my own defense to show a routine pattern of oversights. This is so disappointing because prior to such time I had good experiences with XXXX XXXX. If a customer of 8 years can face such a messy situation I hate to know what other customers must be enduring
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Credit Card XXXX with XXXX XXXX  was said to have been under a 2 month billing cycle extension in which the minimum payment was set to {$0.00} for the months of XXXX and XX/XX/2020. Additionally this account which already had a minute balance was paid completely as attached herein on XXXX XX/XX/2020 It is reflecting as 60 days past due on credit I have taken every reasonable remedy to rectify with XXXX XXXX  inclusive of 22 calls, 6 letters including 3 additional certified. Multiple correspondences to their executive relationships team even requesting legal and arbitration in accordance with the their terms of agreement and have yet to be provided such. 

They use what they classify as a confidential shared op to communicate in relation to customer accounts and advised while they did offer the same arrangements my account appears to have multiple inaccuracies and is confusing that is not my issue. They further state the employees were provided a coaching and training as my account was handled wrong though it is accurate. It is absolutely not accurate and this has caused me significant setbacks and become way more of a hassle for a {$200.00} balance than ever needed to be for either one of us. I was a customer for 8 years never 30 days late didnt start now Additionally you shared 4 different customers personal information with me when attempting to communicate and I had to advise your executives in your own office of such there was no apology no ownership no nothing but I kept those XXXX XXXX as well and will be sharing them online and in support of my own defense to show a routine pattern of oversights. This is so disappointing because prior to such time I had good experiences with XXXX XXXX. If a customer of 8 years can face such a messy situation I hate to know what other customers must be enduring
Consumer complaint received 2020-07-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX, I needed to get funds to pay off a large invoice. I logged into the Comenity Direct portal ( owned by Comenity Capital ) and tried to use the transfer function that Comenity Direct has on their website. The function only allows a limited amount to be transferred per month. Based on the funds that I needed it was going to take over half a year to transfer the funds. So I attempted to contact them but no one was available, so I submitted a message via the Comenity Direct bank portal ( copy attached ) that I needed to close my account and wanted my funds back. 

On XX/XX/XXXX, after no response - I called Comenity Direct and spoke with a representative. They took my details and said the account would be closed and the funds would be transferred to my XXXX XXXX XXXX checking account within 3-5 days. 

On XX/XX/XXXX, they responded to my XX/XX/XXXX email, saying that they would transfer the funds to my XXXX XXXX XXXX checking account within 3-5 days. 

On XX/XX/XXXX, I called Comentiy Direct and spoke with a representative. They acknowledged receiving my multiple complaints and apologized. They put me on hold for an extensive period of time, and said that the transfer was with the final department - but didn't know when the transfer would occur. 

It is now XX/XX/XXXX, I had to withdraw funds from another saving account to pay my bill.
Consumer complaint received 2020-10-25
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. (CA)

Credit Card XXXX with XXXX XXXX  was said to have been under a 2 month billing cycle extension in which the minimum payment was set to {$0.00} for the months of XXXX and XX/XX/2020. Additionally this account which already had a minute balance was paid completely as attached herein on XXXX XX/XX/2020 It is reflecting as 60 days past due on credit I have taken every reasonable remedy to rectify with XXXX XXXX  inclusive of 22 calls, 6 letters including 3 additional certified. Multiple correspondences to their executive relationships team even requesting legal and arbitration in accordance with the their terms of agreement and have yet to be provided such.

They use what they classify as a confidential shared op to communicate in relation to customer accounts and advised while they did offer the same arrangements my account appears to have multiple inaccuracies and is confusing that is not my issue. They further state the employees were provided a coaching and training as my account was handled wrong though it is accurate. It is absolutely not accurate and this has caused me significant setbacks and become way more of a hassle for a {$200.00} balance than ever needed to be for either one of us. I was a customer for 8 years never 30 days late didnt start now Additionally you shared 4 different customers personal information with me when attempting to communicate and I had to advise your executives in your own office of such there was no apology no ownership no nothing but I kept those XXXX XXXX as well and will be sharing them online and in support of my own defense to show a routine pattern of oversights. This is so disappointing because prior to such time I had good experiences with XXXX XXXX. If a customer of 8 years can face such a messy situation I hate to know what other customers must be enduring
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

Specialized Loan Servicing is the servicer of my Mother 's mortgage account. Loan number XXXX. I requested on XX/XX/XXXX reinstatement figures to cure the back due payments and the loan was close to being referred to F/C per the SLS customer service agent. I called the customer service at XXXX on XX/XX/XXXX and was placed on hold for 35 minutes while the customer service rep provided the reinstatement figure of {$5200.00} through the XX/XX/XXXX payment. I requested the customer service rep 's name and was told we do not provide that information or their agent number. The call was recorded and verified by SLS on XX/XX/XXXX. I wired {$5200.00} to XXXX XXXX confirmation number XXXX. I called the following day on XX/XX/XXXX and verified with SLS that they did receive the wire. The rep confirmed on XX/XX/XXXX the account was due for XX/XX/XXXX. The loan was current. 


SLS called my sister XXXX XXXX ( authorized on the account as well ) and informed her that there was a mistake made by the customer service representative. The did not collect the attorney fees or inspection fees. I've attached the transaction history along with the wire confirmation of payment. You will see on XX/XX/XXXX the total amount of XXXX was applied then days later four {$15.00} inspection fees and interest and fees totaling XXXX was applied on XX/XX/XXXX after the wire payment for full reinstatement was processed by SLS. 

I'm filing this complaint due to the error and financial hardship due to the SLS customer service representatives actions caused. The loan is now showing in default due to this issue. I contacted SLS again and they indicated that no further action would be taken to resolve my complaint. I informed them I would be opening a formal CFPB complaint due to misappropriation of funds applied after the reinstatement was accepted and verified by their company. 

Thank you XXXX XXXX ( authorized party on the account ) XXXX XXXX - mortgagor Loan number XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AK)

On XX/XX/ I tried to make a ATM deposit. I tapped the machine with my card and then entered my pin. I touched deposit button and a screen said deposits weren't available at that ATM at that moment. I didn't make a withdrawal or take any money from the ATM. The next day I noticed my account had a withdrawal of {$200.00} from that ATM and I have only one card and it is on my possession at all times. I filed a transaction dispute with Wells Fargo and they denied it becuz they said there were no signs of fraud. Since it was my card and a pin number was used. They told me that was the only information they used to determine their outcome. I told them I did not do it and it was either an ATM error or someone else used the ATM after me. I pleaded them to use the ATM video for their " investigation '' they flat out refused and said the case was closed and there is no further action can be taken. All I wanted was for them to check the ATM video and they could easily see I did not withdrawal anything. I have since filed a police report in hopes of obtaining that video becuz that is the only evidence that exist. I really don't want to take this to court but at this point I'm so mad I will.
Consumer complaint received 2020-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account # XXXX ( ALL 3 ) XXXX/XXXX ( XXXX  ) XXXX XXXX XXXX. XXXX, OH XXXX ( XXXX ) XXXX ( XXXX & XXXX ) XXXX XXXX XXXX XXXX, OH XXXXXXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX & XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX ( XXXX-one open-one closed ) XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX  ) XXXX XXXX  XXXX XXXX XXXX, IA XXXXXXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX. IL  XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT  XXXX ( XXXX ) XXXX ACCOUNT # XXXX
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, 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 -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 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Inquiries were made to my credit report with all three credit reporting agencies on XX/XX/20, XX/XX/20, and XX/XX/20 for what appears to be the purpose of a credit application with Cabelas for a Capital One credit card. My credit report has been frozen with all three agencies at this time.
Consumer complaint received 2019-05-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX AT EXPERIAN CONSUMER AFFAIRS NOW MUST UPDATE XXXX  XXXX XXXX TO REFLECT DEBT SOLD/TRANFER/COLLECTION ATTORNEY OUT OF JURISDICTION. REPORT NO.XXXX, LOAN NO.XXXX.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

I was the victim of identity theft. ( With proof ) and the person responsible did over $ XXXX of merchant disputes or " chargebacks '' using my debit account. When this was happening I was outside the country with only my debit card to use. Chase suddenly cut off my card without ANY notice or notification about it. Then they couldn't verify my identity when I called about my card not working. WE DIDN'T EAT FOR 2 DAYS BECAUSE OF THIS! Then I called for a week and finally chase verified my identity and told me " as of now your account is permanently closed and JP Morgan Chase FOR LIFE '' Now I'm back in the united States and received a bill for {$14000.00} that chase says I owe for even though I reported it to chase that it wasn't me. I even called them daily about it for over a month while on vacation and they said they have no record of anything. I have call records and calls recorded regarding me reporting it to chase. I am also banned from XXXX for life. The same person used my XXXX account to send fraudulent money to people in my name!! I have proof of the identity theft happening. The individual told me he works for " XXXX XXXX '' a lender I had recently applied with and sent me paperwork regarding the loan I was approved for ( still have it ) and that he needs my chase account information to send the money to via wire or ACH payment. I agreed that's when the problems started. He delayed paying anything for 3 days then I called XXXX XXXX and they told me my loan was denied and they have never heard of this individual. Then when I called him about it he threatened me with going to jail and the FBI over text messages. I have all of this proof but chase is still holding me accountable. I don't know how many times I can tell them it's not me and I was outside the country and to look at the recent charges. They closed my account and I still had money in it! Like I said we didn't eat for 2 days because of this happening! No notification no message from chase and my number worked over WiFi calling for receiving calls and texts just fine!!