davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
Consumer complaint received 2015-12-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (NY)

My first home mortgage from BB & T bank was a short sale transaction. The bank accepted less then the mortgage. I signed the XXXX form in XXXX of 2014 selling the home to another individual. BB & T bank then reported the loan delinquent 180+ days for the next 20 months. I have tried to dispute this information XXXX in which I have included the lawyer signed documents showing the home was sold in XXXX of 2014. XXXX has not taken proper actions to fix my credit report.
Consumer complaint received 2015-06-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (MD)

This is additional information for case # XXXX, which I filed last month. 
Someone from PNC Bank emailed me to call her. I have now called XXXX times since her email ( XXXX ), and her phone always goes to voicemail. Because of my travel and meeting schedule, I am not in a position to take unscheduled phone calls during the day, so I 'm not sure if there 's anything else I can do to move this forward. See attached emails.
Consumer complaint received 2015-10-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (OH)

As of the end of XXXX 2015, I was no longer on direct deposit through my employer. This was due to some questionable charges through my checking account ; in addition, I am also trying to consolidate debt so my plan had been to close the account and open a new XXXX. I am paid bi-monthly ( the XXXX and last day of the month ) and on XXXX XXXX, XXXX cancelled the deposit from my account at PNC Bank, as planned. Several days later, around XXXX XXXX, the accounting department from my company called me to let me know that PNC had reversed the XXXX transaction so essentially I was paid twice. PNC never contacted me to inquire about the transaction ; any number of scenarios were possible, i.e. what if I was n't working with the same company anymore, or had been fired, etc. I admit that I had not noticed things going awry because my husband was in the hospital at that time and my focus was elsewhere. I contacted PNC customer support immediately to find out the procedure for unraveling this error. My case was sent to their escalation department and I was contacted by a member of that team named XXXX. She left me a voicemail message ( around XXXX XXXX ) and gave me the number to call, along with instructions that I did n't need to speak directly to her, that I could talk to anyone in that department. I returned the call the same day and spoke with XXXX XXXX. I explained what had happened and she was going to look into it and get back to me ; I made sure she had my cell number and work number. I told her to please leave me a message if I did n't pick up that I would call back. That is the last I have ever heard from PNCs escalation department. I have tried calling again but to no avail. In short, there has been no effort by PNC to fix the problem that they created. Compounding things is that I had also opted out of overdraft protection but PNC has continued to let things through the account while collecting outrageous fees. When I questioned them about it I was told that overdraft protection was only for my debit card, which I have not used for a month. I asked that a hold be put on the account so that I could try and unravel the mess but was told I would have to physically go into a branch and ask. This is not convenient for me since they closed the branch that was near my home and I can not just pick up and leave work anytime I would like. 
My employer, while understanding, does n't appreciate these inconveniences and if this is n't resolved soon I fear my job could be in jeopardy which I can ill afford. I feel that contacting the Consumer Financial Protection Bureau is my last hope to ever get resolution.
Consumer complaint received 2016-12-28
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (AZ)

I made a purchase on XXXX and used PayPal as the money transfer service. I selected my credit card as a funding source. However the funds came out of my bank account. Upon calling PayPal, I was informed my card was denied by their internal risk model yet I was not notified of this at the time so I could therefore change my funding source to a secondary credit card. I did not want this money coming from my bank account. PayPal offered no resolution and therefore I am stuck with the funds being debited from my bank account.
Consumer complaint received 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (TX)

The account is a XXXX account I had at my previous apartment unit about 3 years ago. I moved to a new unit in the same complex without being aware that I owe a balance of {$100.00} on my XXXX Cable. 

I was never contacted about paying this debt. Partly because correspondence is sent to an old address or my name is spelled wrong ( As can be seen in the attached document ) I suddenly see this item on my credit report as I now check it often for inaccuracies. I immediately called the Collection Agency and paid the amount in full XXXX along with a {$5.00} processing fee paid to PAY IN SECONDS. 

I made it known to the agent that if they had contacted me prior I would have made the payment to which she had no response, She however advised me that it can be deleted if i went through the right channel, which brings me to this site. 

According to the credit reporting agency this damaging record will remain on my account till XX/XX/2021. Since I paid the full amount the same day it was reported, I request a DELETION of this derogatory item from my XXXX credit file.
Consumer complaint received 2015-05-26
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (UT)

I tried to submit a payment via PayPal and I entered the email address incorrectly. When I contacted PayPal to attempt to correct the issue, they closed my claim saying that a money transfer between friends was not covered by their conditions. I understand that it is my fault for entering the wrong email address to send the money to but the company should be more helpful in rectifying the situation.
Consumer complaint received 2018-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have a very hard time with Wells Fargo mortgage. I am trying to do a short sale to avoid foreclosure. Previously, we had been trying to save my home through a modification but was declined. I have fallen behind on my mortgage after my husband was diagnosed with XXXX. My husband XXXX XXXX XXXX on XX/XX/2015. I have recently tried to do a short sale with Wells Fargo but they have refused to let me do one. Wells Fargo is stating that my home is worth {$890000.00} and would not look at my offer. My home is not worth {$890000.00}, this is 100 %, ABSOLUTELY, PURE BANK FRAUD. Wells Fargo seems to never change and is up to the old tricks again. Wells Fargo has not done an appraisal on my property, they have only run comps from Iowa, on a computer. In the area I live in, that is not smart. I have also sent photos, and list of repairs need on the property by licensed contractors. This home needs a rehab. With the medical hardship, our family went through we have been unable to keep up with needed repairs. Wells Fargo is stating this does not affect the price of the property, which again, is pure fraud. We have several, brokers, title companies, and appraisers tell what they feel the property value is at. This property is worth {$680000.00}. We are submitting the highest and best offer to Wells Fargo for short sale review and to avoid foreclosure.
Consumer complaint received 2016-12-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (FL)

I faxed a debt validation letter to AR Resources on XXXX XXXX, 2016, asking to confirm XXXX has n't been violated. As of today 's date, I have yet to receive any information from AR Resources nor is this account denoted on my credit report as " CONSUMER DISPUTES ACCOUNT '', and both accounts are still listed on all XXXX credit reports. AR Resources has now violated both the FDCPA and FCRA. I contacted them today, XXXX XXXX, 2016 to see I could speak with the have these accounts removed from my credit as I have n't heard from them and their multiple violations in which I encountered XXXX of the representatives and I explained the reason for my call. She went off on me and hung up the phone. All before I was able to get her name. I called back over 12 times where the phone was deliberately hung up each time I guess they could recognize that it was my phone number. I believe this is in such bad practice as well as unprofessional.
Consumer complaint received 2017-04-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: DISCOVER BANK (WI)

I initially invested in a 7 ye ar CD with Discover Bank. The CD matured a  nd I allowed it to be automatically reinvested in another 7 year CD with Discover. I decided to close the CD and understood that I would incur a penalty for early withdrawal. My previous documentation from Discover Bank stated that early withdraw penalty would be 15 months simple interest. After closing the account I was told that I would have to pay 24months simple interest for a penalty. I never received any documentation from Discover Bank bef ore the renewal indicating the change in terms. I just received a letter saying it was renewed with the new interest rate. I feel the penalty was excessive which actually cut into my principle. They not only use money for free 16 months but decided to take a little extra for themselves. My main complaint is that Discover Bank never sent information of the change in term s of the CD rene wal.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: PNC Bank N.A. (IN)

I paid a payment using a check to the bank that services the credit card account that I have. The amount processed, XXXX to the credit card account and to my checking account was the same amount, but was different than what I thought I had written on the check. Despite letters by postal mail and numerous phone calls with the credit card servicing bank, I was not able to get copy of the check. My own bank, from which the check was cashed, does not have the copy, as it was processed as electronic debit. I would like to see a copy of the check, but credit card servicing bank absolutely will not provide that. I paid interest charge due to different in amount that was paid. Thank you. Credit card servicing bank was PNC Bank. The last phone call to customer service had rep state that PNC could not provide check image, even though previous customer service rep stated that they could and it would be mailed within XXXX month of my call.
Consumer complaint received 2019-05-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (CA)

My complaint is about : Greensky , LLC ( the Lender ) On XX/XX/2019, I was referred to this company by XXXX XXXX XXXX, a dentist that used fraudulent diagnoses to make me believe that the work needed for my teeth wasn't covered by my insurance ( which was not true ), and that I actually needed more work than was necessary. 

This dental office has only started the work, and I suspected they were trying to rob me. 

I obtained a second opinion, and confirmed that in fact, most of the work they said I needed was unnecessary. 

At this point, the dentist has only done preparatory work for me, and all services have not been rendered, yet Greensky has already sent them payment, and then sent me a bill for {$7800.00}. 

I reached out to Greensky, and they said that they would look into the issue, and that if I had not had services rendered, they could refund the payment. A " Resolution Specialist '' from Greensky called me during work hours and left me a message, but when I tried to call them back, they were never available, and I left them a message as well. It has been a week, and I have yet to speak to anyone at Greensky. I've only been able to contact them through email. 

It says in their own disclosures that they only issue payment for services rendered, and that has not happened yet. They replied to me today via email stating that services have already been rendered, according to the dentist 's office, and that's why they issued payment. 

I will be going to the dentist 's office tomorrow, XX/XX/2019, to ask why they have already billed for work they have not completed, and to ask them to cancel their intended work. I would like to ensure this doesn't happen to anyone else, and would like Greensky , LLC investigated.
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MD)

In XXXX of 2015 a check that I had written for {$10.00}. for a co-pay for a medical visit was confiscated from either my mailbox or the billing department of the medical offices without my knowledge. The check payee was changed and amount was altered to {$4000.00}. The obvious forgery was presented to PNC for payment electronically and it was successfully negotiated with the {$4000.00}. being taken out of my PNC account. Apparently, the same check was altered a second time, presented electronically to PNC bank, but the forgery was noticed by the credit union to which the forger presented it and the negotiation was ultimately unsuccessful. In early XXXX of 2015, PNC notified me of the fraudulent activity which I had not noticed. PNC has refused to issue a refund for the {$4000.00}. that was removed from my account. Furthermore, despite the check being an obvious forgery, I was told by a representative from PNC that they are not able to scrutinize electronic transactions due to large volume. 
A bank 's primary responsibility is to safeguard the money entrusted to them in the form of bank accounts. Electronic transactions such as this should not be permitted if an obviously forged check can so easily be negotiated twice. It is the fiduciary responsibility of the bank to protect consumers from such blatant fraudulent activity.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (GA)

Received a letter on XXXX XXXX, 2016 from PNC Mortgage date XXXX XXXX, 2016 accusing me of not having insurance for my property and threatening to buy it for me. " Because unit owners insurance is required on your property, we plan to buy insurance for your property. '' First, they never asked me to provide proof of coverage. Second, they have their own insurance company which I believe is a conflict of interest. This company is not consumer friendly and should not be allowed to provide mortgage services.
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Stearns Ventures, LLC (PA)

on XXXX/XXXX/2015 we ordered a payoff statement from Stearns Lending. On XXXX, having still not received a response to our request, we contacted Stearns and were told to email the request and we would have the payoff XXXX. When we did not have it by XXXX, we called back and were told we would have it by XXXX. When we still had not received it by Monday XXXX, we called back and spoke with a supervisor who asked that we conference our client in for verbal authorization. Upon doing so, we were told once again that we would have the payoff in an hour. Tuesday XXXX, still no payoff received. Called Stearns again at XXXX. They asked that we conference the client in for a verbal authorization. When I pointed out that I was simply following up on the call from the previous day when verbal authorization was provided, we were told that the request was being expedited. At XXXX we called again and were told that our authorization was expired and no payoff would be sent. We were connected with the same supervisor from the previous day, however, in this conversation he stated that a verbal authorization would not be accepted.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AZ)

I challanged the amount past due, all other credit reporting agencies have removed it and or show XXXX balance. I used the information provided by Equifax stating the validity, but after contacting the creditor with the information provided by Equifax, the creditor holds no records of this account. So I have disputed again and once again they can not provide any proof or evidence that I can take to the creditor. What can I do? can they make up information like that? Please help.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

Experian credit reporting services is showing an address on my credit report of : XXXX XXXX XXXX, FL XXXX that is not mine. 
I have a credit Freeze on my account and this address was added after Freeze was in place without any verification or consent from me. Experian is very difficult to contact online and the phone number they provided does not answer or resolve any attempt to contact them. 
Please help correcting the issue with this company.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

Experian will not update a judgment lien from the Circuit Court of XXXX County or allow me to dispute the item just because they investigated my original dispute in XX/XX/XXXX. I paid the judgment lien a year later in XXXX. Twice, I have mailed in a copy of the satisfactory letter and nothing is done. XXXX and XXXX has already updated my credit report.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CT)

I called Experian on XXXX/XXXX/16 to get inaccurate addresses and phone numbers removed from my report. I told them the only accurate address was XXXX XXXX XXXX XXXX XXXX Ct XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX. I did n't even get to address all the inaccurate phone numbers on my report. The only number that should be reporting is XXXX. I did not have an issue with XXXX and XXXX removing these inaccuracies from my report. Experian is violation the Fair Credit Act and my rights by not removing these inaccurate items.
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I tried to dispute the date with Experian of the XXXX account. It should be the filing date and not the discharge date. There should be no collection activity, balance history, status date past XXXX I tried to have this corrected but I Experian is asking me to send id when I have disputed items in the past with them. This is an attempt not to investigate by inconveniencing us. I want to be able to dispute online. If they did thorough investigation I would not have to request reinvestigation. I have been back and forth with Experian and errors on my file since XXXX. They have not done their due diligence. At this point if they do not correct the date to filing date of XXXX I want the item deleted.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (IL)

There is a incorrect information reported in my credit report, I disputed the issue with XXXX agencies myself but only XXXX deleted the item, but no results from XXXX and Experian yet, I need your help, I also hired XXXX XXXX to dispute for me, items from issues with credit reporting companies. but seems no results also, see attached documents to proof when I started disputing .FYI I never engage any king of business with XXXX I also tried to dispute with XXXX myself but they never respond to my disputes.I Thanks in advance for your future help Thanks
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CA)

my identity was stolen, i filed a police report, and noted this to all XXXX credit bureaus.Experian is refusing to honor the police report, and has refused to adjust my credit file, and remove negative information, not associated with me. i can document police report, and my notarized affidavit to them. they are the only bureau who has not removed this information.
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (NY)

I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$1100.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and are refusing to give me my rewards.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (IA)

My name was changed on my Experian credit report starting the date of the fraud document with the bank. I have sent all my information to Experian 2 times. Today I received mail from them again under the name XXXX XXXX XXXX, My name is XXXX XXXX XXXX. At this time I am not sure what other information in my report is wrong because I have not been able to get to a report in the last year. Thanks.
Consumer complaint received 2018-12-01
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: Navient Solutions, LLC. (CA)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NAVIENT XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX/NAVIENT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.