davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (FL)

I am and international account holder from the XXXX who held the account with BBVA for over 7 years absolutely zero issues until the BBVA compass / PNC bank merger that took place on the XXXX to XXXX XX/XX/2021. 

I have not able to log into my account using the details PNC provided for nearly a month now since this merger. 

My complaint ref with PNC is XXXX During the last month I have spent numerous hours with PNC on the phone and sent emails and I still haven no resolution. 

After my initial call to customer services my complaint was given a number ( listed above ) and I had contact with a lady called XXXX on the XXXX and then the XXXX XXXX via the phone and this email ( XXXX ) She couldn't resolve and said she would escalate the problem. 
I then had contact from XXXX XXXX ( XXXX - Title = VP Executive Client Relations ) on the XXXX XXXX a few times via the phone and email taking more details. 

Again she couldn't resolve so passed the case on to another colleague XXXX XXXX ( XXXX - Title Executive Client Relations ) who I spoke to a few times from the XXXX onwards trying to resolve via the phone. I was promised a call back on the XXXX, that didn't happen so I emailed XXXX on the XXXX and he called me back to apologise, once again he tried to resolve after he had done some maintenance work on the account. XXXX then suggested he would have to pass it over to the team dealing with the BBVA compass / PNC merger issues. I immediately said this should have been done from the start and not 2 weeks into my complaint. 
I was promised an update on Monday XXXX XXXX, that never happen. 
I left it till the XXXX and then emailed XXXX again as for an update, I had no call or email reply to that email. 
On the XXXX I tried to call 3 times and left him 2 voice mail messages asking for an urgent update and a call back with progress. No reply yet again on either email or phone. 
I have called twice today on the XXXX XXXX and left another voice mail asking for an urgent update stating I am filling in this complaint and also emailing the CEO of PNC bank about the shocking situation i am in. 

Copies of all my emails attached in EML format. 

I have in excess of $ XXXXk in this account after just selling a property and need urgent access. 

If youre not already aware this merger is a total shambles doing research online, their customer service is overrun with thousands of complaints varying for no access, cards not working, accounts disappeared, business customers not able to make payments. 

Its a total and utter mess. 

Please intervene and help me regain access to my account. 

XXXX XXXX XXXX
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credence Resource Management, LLC (NV)

Upon having my credit report obtained there was a collection debt for {$91.00} with credence resource management. When confirming my address, Credence Resource Management did not have my Apartment number, therefore I had never received a bill from Credence ( nor from XXXX XXXX XXXX XXXX, the bill that went to Credence ) I paid {$91.00} to Credence Resource Management on XXXX XXXX,2018. I asked for a letter of deletion, thru said they dont do a letter only show paid in full on my credit report. I was told to call XXXX XXXX XXXX for the letter of deletion. I called XXXX XXXX XXXX  to be told they dont do the letter of deletion and XXXX XXXX XXXX  told me to call Credence Resource Management for the letter of deletion. I got the total run around from both companies.

This was their error. They didnt have my correct apartment number.
Consumer complaint received 2022-04-29
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. (WI)

XXXX, Equifax and XXXX received my FTC letters online XXXX XXXX. They also received my letters by certified mail XX/XX/2022. They have yet to reach out and address my concerns. This is deformation of character and it makes it hard for me to elevate in my life.
Consumer complaint received 2020-12-04
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: EQUIFAX, INC. (OH)

I have hard inquiries on my credit report for all three credit agencies that I do not recognize and were not authorized by me. 

-Equifax- Company and date of unauthorized Inquiry XXXX XXXX. XXXX, XXXX, XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX -XX/XX/XXXX- Company and date of unauthorized Inquiry XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XX/XX/XXXXCompany and date of unauthorized InquiryXX/XX/XXXXBusiness CRED - XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX US SM BUS ADMIN ODA XXXX XX/XX/XXXXXX/XX/XXXX Business CRED - XX/XX/XXXX XX/XX/XXXX Business CRED - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX Business Cred - XX/XX/XXXX XXXX XXXXXX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (NY)

I am having issues with Experian disputes in regard to credit inquires that I did not authorize. I have opened up disputes directly with the creditors and they have all been of no assistance saying that they are not required to furnish me any documentation of the inquires on my report even after I advised them I never gave authorization. I submitted a complaint to Experian and instead of Experian looking into my dispute and inquires, Experian instead just said some of the inquires were no longer on my report. on XX/XX/2020 I am requesting that Experian investigate the inquires that I will be attaching to this complaint and delete all highlighted inquires as they were not authorized by me. I have tried to submit my claims to each company that did a credit inquiry on me without my authorization. I am now requesting that Experian conduct the dispute expeditiously. Experian dispute center reps have acted unethically in the past when I have submitted documentation to them disputing authorized activity.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-02-07
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. (NJ)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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Consumer complaint received 2021-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2021 I was scam victim via XXXX when someone pretended to be my friend using his Whatsapp account, he asked me a favor to send a money to another person using her name and phone ( linked to XXXX account ) which I proceed to transfer {$200.00} via XXXX from my Chase account, I did because I assumed XXXX was safe, secure and trusted ( wrong ). Then he asked me for {$250.00} more, so I started suspecting of a scam and I called him to his phone number to ask about this favor, which he denied. I started my claim process calling to Chase ( none available to speak ) only automated services which doesn't have any options for this. 

Now XXXX doesn't have acknowledge responsibility ( none to talk ) and the bank also denies their own responsibility by saying, you did authorize the transaction. My complaint now is who verify XXXX accounts ownership? can " anyone '' use " anyone 's '' phone number and open a XXXX account on behalf " anyone ''? I spend one hour of my time being transferred 4 times and explain same thing to different customers representatives and at the end they said " we are not responsible for that, it is your fault ''. I am not trusting XXXX nor Chase to do any online transaction, thinking closing my accounts there too. 

I am 80 % sure that the person who owns the phone number doesnt have knowledge about what happened to her account with XXXX XXXX
Consumer complaint received 2018-03-05
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)

I recently sent a letter to XXXX dated XX/XX/2018 asking them to verify the bankruptcy on my report from XX/XX/2018. I spoke to the clerk of the bankruptcy court and she advised me that their court did not report this information to XXXX  and that their court does not even have a subscription to report to ANY credit agency. I feel that XXXX is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The clerk also advised me that they do not verify this information directly and in addition, the clerk from the court explains that the courts do not verify or give out social security numbers to any THIRD PARTY companies. So if they did not report this information how did you? According to the FCRA it is not permissible for you to report THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate unverified information. This results in XXXX  using erroneous information including but not limited to falsely reporting information to my Credit Report. 

I have included a letter to that effect my original dispute letter. Thank you for your help.
Consumer complaint received 2022-04-29
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: REGIONS FINANCIAL CORPORATION (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I've been trying to fix my credit, the three credit reporting companies have been showing me a higher score then what its been sending to people that inquire. as of right now XX/XX/2023 my experian shows XXXX and when I tried to refinance my auto loan through XXXX  XXXX on XX/XX/2023 they pulled a XXXX from Equifax, but used an experian pull for my when my wife tried to do the same. 
I have been paying 30 % interest on an auto loan for about two years and can't get a better rate because of all the inconsistencies with the reporting bureau 's and the choice to use on instead of the other is causing me to pay an outrageous fee to own a vehicle.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

Today, XX/XX/24, I visited a branch in the afternoon. It is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX . I stepped in to make a simple withdrawal of {$10000.00}. I was told that I couldn't be attended to. I decided to try to seek help at another branch at XXXX  other branches in XXXX thereafter and was told that my account had a hold on it. Earlier in the afternoon I received XXXX  separate wire deposits totaling {$61000.00}. The funds were sent by a relative for business and personal purposes. I am a XXXX XXXX  and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The {$10000.00} I needed today was for a vehicle I have the intentions of purchasing tomorrow at auction. I provided these facts to the people I dealt with but I was asked for a confirmation number of some sort but I as the receiver have no means to have a confirmation number for a transaction that did not originate with me. I was sent the money via wire transfer and I am sure the sending bank should and must have communicated with M & T and other intermediaries to facilitate the electronic transfer. I was able to be sent personal screen shots from my relative who originated the transaction, but he was only able to send me images from his online banking app where he originated the transactions. I provided those but was still unable to be helped. Over the phone i was told to step into local branches to " validate the wire deposit '' but was never provided steps in doing so. I am still unsure of what i am supposed to be validating and how. I also tried to speak to a supervisor over the phone while my relative was present with me in hopes that maybe she could provide more insight. Instead she initiated an internal review on my account. Now am I unable to even get answers because my account can not be accessed online or via telephone. I feel slighted and I am under the impression I have been profiled and handled with prejudice and I am deeply dissatisfied with the way I've been treated.
Consumer complaint received 2021-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/2021 I wrote Commonwealth Financial certified mail in which they received on XXXX XXXX and asked that they provide me with debit validation and hippa authorization. This account is false and misleading according to 15 US code 1692e. Commonwealth financial can not produce an original application from me to say that I am liable for this alleged debt, which Im not. According to Rule 15 it has to be the original application and they can not provide these documents. They are also in violation of 15 USC ( 1 ) of the Fdcpa for harming my reputation by putting this false and misleading account on my credit report. I demand this false and misleading account be removed from my credit report immediately since they are violating my consumer rights under title 15 chapter 41.
Consumer complaint received 2023-04-04
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)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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)

I am submitting a CFPB complaint to report an alarming incident of identity theft. Upon receiving my credit report, I was astounded to discover multiple accounts that I did not initiate or have any knowledge of. It is imperative that you take immediate action to remove these fraudulent accounts as per the FCRA Section 605b which mandates Credit Reporting Agencies to delete any information listed on an ID Theft Report. I have attached relevant documents to support the blocking of the erroneous information being posted on my report. Kindly provide prompt assistance in resolving this issue. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1. Rest assured that I did not initiate or authorize anyone to open these accounts on my behalf. It is essential to note that FCRA Section 605B ( a ) clearly states that Credit Reporting Agencies must block any information in a consumer 's file identified as resulting from identity theft not later than four business days after receipt. I expect you to take immediate action to adhere to the FCRA regulations and promptly block the identified fraudulent information from my credit report.
Consumer complaint received 2021-11-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy federal credit union overpaid themselves on a mortgage closing so that they could collect money from me on another unrelated debt i have with them. They opted to transfer the money into a closed checking account instead of mailing me a check then debited the money immediately to pay themselfs. After calling them to ask why they got extremely rude and hung up on me. I belive they purposely did this overpayment by manipulating the closing documents and this should be looked in to much closer.
Consumer complaint received 2019-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have disputed an item on my credit report repeatedly that is on their wrong and the website has you complete a form which I have done repeatedly. They won't give you an update. They won't communicate back. They won't confirm your submission. Their site has a front page which shows all current and past investigations which is always blank. Its like talking into a black hole.
Consumer complaint received 2023-04-04
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)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward for the correction of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I submitted complaint XXXX to resolve a dispute with Fifth Third Bank XXXX The balance on my credit card was {$18.00} on XX/XX/XXXX while I was waiting on a response to my complaint. 
On XX/XX/XXXX I was charged a {$25.00} late payment fee. 
On XX/XX/XXXX I received notice that Fifth Third was going to pay {$12.00} of the {$18.00} in fees. As soon as I got the email that they were going to pay {$12.00} of the {$18.00} in fees, I immediately called 5/3 to pay the {$6.00} remaining. This posted to my account on XX/XX/XXXX. 
On XX/XX/XXXX I was charged a {$1.00} minimum finance charge fee. 
As soon as I received the check for {$12.00} from Fifth Third, I applied that to the credit card account. It posted on XX/XX/XXXX. 
I have called XXXX XXXX, the woman that responded to my first complaint, at the Office of the President, multiple times and left multiple messages over the past few weeks with no response. My calls always go directly to voice mail. There is no other contact information listed for her.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Skopos Financial, LLC (MD)

In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681section 602 states, I have the right to privacy. 15USC 1681section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.