davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A. (MA)

My existing credit card account with BBVA bank was acquired by PNC bank. This took place several months ago. 

Since then, I have been unable to login to my PNC online banking to access and manage my account. I am unable to update my contact information and home address. I am unable to check the status of my bill. I have been unable to see activity on my account, including no ability to monitor for fraud. 

In just one day, I have spend 2+ hours on the phone with various XXXX and departments trying to resolve the issue, but I am always transferred to another department and the issue remains unresolved.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America recently added XXXX XXXX XXXX to their online banking and with out my knowledge or authority a unknown person hacked into my online banking accountant and swiftly transferred all the available funds remaining in my checking account. I became aware of this {$1500.00} transaction on XX/XX/XXXX around XXXX and immediately contacted Bank of America 's Fraud/Claim 's department and they put a hold on the account to review the claim. After waiting beyond the 10 days they promised to do the review of the claim, they stated on XX/XX/XXXX after i contacted them, that the claim was denied. It is unclear the extent of the investigation they did on the claim but it was denied. At the beginning of the claims process Bank of America was informed that my Employers computer system was compromised with Ransom-ware and most likely the cause of how my online banking account was hacked into.
Consumer complaint received 2022-10-11
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. (FL)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXXXXXX, Account # XXXX, XXXX XXXX Account # XXXX, as well as the reporting agencies have violated my rights. I am promised the accuracy of my credit report by Federal Law and I am making another attempt to have these errors corrected on my credit file under 15 US Code 1681.

The facts related to and the reporting of said accounts are inaccurate, false, and misleading. They are causing undue stress and violating my rights according to 15 USC 1681.
Consumer complaint received 2022-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BERKSHIRE HILLS BANCORP, INC (RI)

On XX/XX/XXXX I made two loan payments of XXXX ( by accident ) instead of applying the extra payment to my principle balance they carried it over every month so I have been paying a month in advance for 2 years. That's two years I have been paying more interest on my loan because the extra payment was just carried over. In late XXXX of XXXX I noticed that the {$390.00} was no longer being carried over, so I called Berkshire Banks customer service line and asked to speak to someone in the loan department. XXXX XXXX returned my call and informed me that XXXX was the last month they where carrying balances over and that they where applying any over payments to the balance. ( Which that is the way it should of been all along ). So I asked XXXX where the XXXX credit that I was carrying over was, he stated that they applied my XXXX payment to the principle balance because I didn't owe any money for XXXX. So I asked him when was the credit I was carry over applied to my principle balance. And he stated it was applied in XXXX. I asked XXXX  to send me confirmation of that. He sent me two print outs. 1 showing that since XX/XX/XXXX I was always paying a month in advance. ( from the extra payment I made in XX/XX/XXXX } I have never missed a payment. The other was a break down of my payments since XX/XX/XXXX- XX/XX/XXXX. Which looks like this Date Pd Amount Paid XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX On XX/XX/XXXX I spoke with XXXX XXXX and she states I am up to date and that I am no longer running a credit balance. So I no longer have a credit of $ XXXX ( XXXX overpayment from XX/XX/XXXX + a few dollars here and there that I paid extra a few times ) Yet my principle balance has not decreased by anything besides my monthly payments. Where is my XXXX?
Consumer complaint received 2021-12-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I was in forbearance and have been trying to close it out since XXXX of 2021. It is now XXXX and the company has sent 7 or 8 different close out packets and is maliciously keeping me in forbearance. I have spent hours on the phone with them trying to clear this up, hours with notaries signing documentation. I need my close out letter immediately. They never have answers and keep giving me the run around.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2016, I open a capital one Credit card of XXXX $ limits and every time I submitted a payment my bank keep returning the payment so capital one decided to closed my card every since they put a bad report on my credit file and saying that I missed payment and even though I'm no longer have relationship with capital one they still pulling my credit report about a couple times
Consumer complaint received 2021-04-01
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: CCS Financial Services, Inc. (PA)

The company reporting a collection on my credit report has not responded to any of my request to show proof that this debt is mine. This unverified account is affecting my ability to obtain credit.
Consumer complaint received 2021-04-01
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)

On XX/XX/2021 I sent a letter to Equifax of how they've re-aged a collection account which is a clear violation of the Fair Credit Reporting Act. Equifax has not responded to my requests and refuses to remove the account. This illegal account is damaging my credit report.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone stole my debit card information and made XXXX XXXX pay transactions totaling {$2000.00}. One transaction was for XXXX and one transaction was for {$500.00}. Bank of America flagged them and reversed the {$1500.00} charge so I called Bank Of America on XX/XX/XXXX the day that it happened and they told me that the {$500.00} one needed to process before they could file a dispute so I had to wait two days to file a dispute against it. On XX/XX/XXXX I called Bank Of America and disputed the charge. Now today I get an email that my claim has been denied and theyre not giving me my money back. I have never used XXXX pay in my life nor is it even set up on my account. They Resolved one charge for fraud but then denied the exact same charge. I need my money back
Consumer complaint received 2018-02-27
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: Aargon Agency, Inc. (FL)

Date : XX/XX/2016 Balance : {$650.00} Company AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX I don't not know this company, I did not do business with this company nor have I given them the permission to use my information. I would like this debt completely removed from my credit report. Thank You!
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

My sister got a call on XX/XX/XXXX from a a company claiming to be XXXX XXXX XXXX XXXX XXXX  and gave her a file number and told her to relay the message to me and call them at ( XXXX ). I called them back and they told me they were trying to collect on a debt I settled with XXXX XXXX XXXX in XXXX. They told me I had 24 hours to fax them the info to ( XXXX ). And if I had any other questions to call XXXX XXXX at ( XXXX ). I called XXXX the next day and asked if could get the address to their location. He refused to give me the address stating they work from home due to covid. To settle it I faxed them my papers that I had paid it off in XXXX. When I originally spoke to them the first time they had all my information ss number and all
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is account is inaccurate and incomplete information is reported differently on XXXX, XXXX and TransUnion. Per the Fair Credit Act 611 this is a violation. Please see the attachment for XXXX # XXXX. 

Please delete account.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (NM)

I originally tried to get XXXX internet in XXXXThe technician came out to install the service as the internet was needed for at home learning. When the technician originally came out, it was determined that they could not install XXXX in my apartment due to wiring issues. I thought everything was taken care of until I received a bill from as collections agency called MRS BPO , LLC. I then learned that XXXX charged me for one month of service that I never used. I now have a collections on my account for the amount of {$52.00}. XXXX is engaging in deceptive and fraudulent business practices by charging customers for services never rendered.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

Irregularities in the home appraisal reporting. Appraisal report was not shared after multiple requests and after almost a month lender tells that the appraisal was never done. I have the appraiser visit the property and the appraisal was completed on XXXX XXXXXXXX as per the information received from tenant at the property and the appraiser.
Consumer complaint received 2021-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: BCO Consulting Services (IA)

On XX/XX/2020 I had a conversation with BCO Consulting Services. They had me convinced that they would help manage my student loans through an income based forgiveness program for a service fee of {$990.00}, which I recently discovered to be false information. They had me sign some paperwork - all of which was read thoroughly which tells of how convincing they were. I will attach that paperwork to this claim. Overall, they have taken {$390.00} XXXX {$190.00} on XXXX XXXX, {$190.00} on XX/XX/XXXX XXXX. My complaint is that they claimed to be working with my student loan providers, but I called my student loan provider and they directly told me that they do not work with 3rd party organizations, therefore, they do not work with BCO Consulting Services. So, I am requesting my money back from this organization because they falsely told me that they could work with my student loan provider, when in reality, my student loan provider does not and will not work with them.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

In XX/XX/XXXX I began disputing charges using Barclays Arrival mobile application as I was unable to reach a company representative by phone and put a HOLD on the card. 

XX/XX/XXXX contacted Barclays using their secure message system, disputing new charges from XXXX XXXX XXXX. Received a reply at XXXX ( attached ) requesting that I call them and that they had placed a " hold '' on the account until they hear from me. 

XX/XX/XXXX mailed a letter to Barclaycard Arrival XXXX XXXX XXXX XXXX DE XXXX disputing all charges from XXXX XXXX XXXX  and requesting the account closed. 

I was able to talk to a representative after receiving the XXXX statement which included charges from XXXX XXXX XXXX  posted to the account after it had been placed on hold. The representative did close the account as I requested but failed to follow up on the fraudulent transactions posted on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX.
Consumer complaint received 2020-10-27
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XX/XX/XXXX
Consumer complaint received 2021-12-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (PA)

I prepaid at an auto-loan at a PNC branch for a vehicle purchased from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I deposited {$3300.00} to the PNC branch in XXXX XXXX, XXXX PA and asked the bank teller if she could split the payment up and pay for an entire year. The teller told me yes and that it was absolutely something they do. ( I have loan history documentation. ) A monthly payment is around {$270.00} so I am covered until XX/XX/XXXX. 


Sometime in XXXX or XX/XX/XXXX I received a call from a PNC official regarding this transaction that there was a problem, but they would resolve it and split the payment among months for the entire year. Since then, no contact with PNC was constructively established. 


Today, XX/XX/XXXX as I was going to my car to go to work, I found that my car was repossessed. Immediately after this I went to a branch bank by my residence. The branch bank manager XXXX admitted that the branch bank employee notated that the {$3300.00} was supposed to go to a whole year of payments as opposed to the principal balance. Later, I spent hours on the phone trying to resolve this issue. Further investigation found that PNC had made three ( 3 ) payments and then put the rest of the amount towards the principal. 


I have talked to the PNC Repossession Manager XXXX XXXX, and she believes the PNC bank Branch banker at XXXX XXXX made a mistake and that I should request a refund of the principal balance. The car was released from repossession, but I still have to find a way to go and pick it up at my expense. 


No one I have talked to has any idea why PNC did not split the lump sum into separate deposits for each month. The retail and loan side of the organization has not, as of yet, addressed that they made a mistake. What the banker told me regarding the deposit on XX/XX/XXXX should be honored. This is a predatory lending practice and constitutes misrepresentation which I believe is currently under a strict liability standard in Pennsylvania. 


Because my car has been repossessed, I can not do my duties as a landlord, nor can I go to work. This has caused XXXX XXXX  and real liability.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

Over the years Carrington mortgage would remove and then replace back on my credit file. This causes my fico score to go down. I am never given my fico points back. They also dont show correct balance. I always dispute with XXXX  and company but they just shift the blame leaving me to suffer the damage of a bad credit score. It has happened again today XX/XX/2020. I put another dispute in today.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXXXXXXX-XXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma ()

Credit Karma Refuses To Update My Credit Report/Account Claiming They Are Waiting On XXXX  To Send Them The Updated Information. ( It's Been Three Weeks ) I Have Talked To XXXX   Several Times In That Time And They Have The Correct Personal Information And Have Confirmed They Have Already Given Credit Karma My " Updated '' Information, It's Only Credit Karma That Is Refusing Handle The Problem Properly To Correct My Account/Credit Report.
Consumer complaint received 2022-02-02
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. (NY)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services (NY)

I choose to invoke my Rights an a Natural Person A Consumer pursuit to 15 USC 1692c ( d ) An Individual In pursuit to Title 15 chapter 41 Consumer Credit Protection In violation of my consumer rights I am being harassed by a debt collector In pursuit to 15 usc 1692d Also in violation of my consumer rights via mail fraud in pursuit to 18 usc 1341 Violation in pursuit to 15 usc 1681 FCRA my information should be private. 
Violation in pursuit 15 usc 1692 Congressional Findings and Deceleration of Purpose. 
Violation in pursuit to the FDCPA False deceptive and misleading information. 
All debts are alleged. 

All debts are alleged obligation I dispute Any debt where applicable I love Myself
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I went to Experian 's web site to temporarily remove a credit freeze. When I entered my personal information to temporarily remove the credit freeze, I got an error message that said they were unable to complete the transaction. I called Experians number several times. None of the options helped me. They do not let you speak to a person. Their phone system puts me in a continuous loop that will not help me. 

I want to suspend my credit freeze from now through XX/XX/2022. 

Please help. Experians is completely unresponsive. 

Thanks.
Consumer complaint received 2020-10-27
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: ERC (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2022-04-27
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.