davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK (WA)

On XX/XX/XXXX I my boyfriend at the time was put into XXXX on a XXXX. the next day I took all the actions to calling all of my credit cards and bank accounts to take him off of the accounts. I removed his name from my Discover Card and the following day he used the Discover Card to XXXX himself out of XXXX for {$10000.00}. Only to go back to XXXX the next day and is still in there. When he charged the card I called Discover and disputed the charge since he was no longer an authorized user. On XX/XX/XXXX I received an email from Discover saying that the charge was a valid charge and that there is nothing else I can do but to pay it. I 'm still trying to dispute it since he was not authorized to use the card.
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (PA)

I have been a Discover card holder since XXXX. Since that time, I have never had a delinquency with them. On XXXX XXXX, XXXX I gave birth to a baby girl who experienced some health issues. After coming home and getting settled in XXXX, I missed my Discover payment. I called and called Discover to beg them to remove this one late marking off of my credit report. I spoke to account supervisors and asked that I speak to upper management, who they informed me are not accessible by phone. Given my hardship, I ask they please remove this XXXX mark and return my nine year account to good status. 
Thank you
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (OR)

I received the letter from " Discover Financial Services '' saying my Discover credit card was closed due to its business decision. I pay bills on time never late for this credit card. Last month I was awarded credit limit raise. I do n't know why I get cut due to " business decision ''. I called a friend and found out he has the issue without any reason explained.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (TX)

My checking account with BB & T requires a $ 500 monthly ACH deposit to remain fee free. The required deposit has been made every month before XXXX without issue. However, in XXXX, the fee was charged even though the required deposit was made in accordance with the terms of the account. After numerous communications, BB & T has apparently decided to reinterpret their own terms, without any amendment to such terms or notice to its customers, regarding what type of ACH deposit they will recognize. I have been charged a {$12.00} fee for XXXX, and BB & T refuses to refund it or admit any wrongdoing whatsoever. I will be ending my relationship with BB & T over this issue, however, there must be consequences to BB & T for their fraudulent behavior.
Consumer complaint received 2015-07-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc. (VA)

AR Resources Inc contacted me on my cell phone on XXXX/XXXX/15 claiming to be a debt collector, but they would not tell me who they represented until I verified my PII ( including the last XXXX of my social security number ), which I would not do because I know I have no outstanding debts. They refused to tell me who they represent, so I told them that was against the law and they ended the call. Friday XXXX/XXXX/15 I received a paper collection notice in the mail from AR Resources Inc, claiming to be collecting on behalf of XXXX in the amount of XXXX. I did have XXXX claims for that provider, XXXX on the date of service they listed ( XXXX/XXXX/15 ), but the amounts did not match either claim, both which have been paid. I logged into my insurance website to review my explanation of benefits. The standard charges for services rendered that date were XXXX and the contracted rate between XXXX and the provider was paid on XXXX/XXXX/15 in the amount of XXXX. This company is trying to collect the difference between the standard fee and the contracted fee the provider would charge, which is fraudulent. That amount does not exist to be collected by anyone, as the contracted rate between the insurance company and the provider has been paid. They were aggressive on the phone and refused to identify themselves and now, they are trying to collect on a debt that does not exist.
Consumer complaint received 2016-10-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (PA)

My fixed rate 20 year mortgage originated with XXXX, was transferred to XXXX XXXX in a takeover/buyout and is now held by BB & T bank. Since the bank buyout transition in XXXX 2016 my mortgage statements have been riddled with irregularities, the worst of which, is that my 'Outstanding Principal Balance ' has n't gone down since XXXX, even though they have taken 3 payments since then. The most recent statement indicated that 100 % of the payment made was allocated to Interest and 0 % to Principal. What alerted me to the problem was that the " Explanation of Amount Due '' fluctuated irrationally from statement to statement and did not correlate with the " Transaction Activity '' after the payment had been processed. To try to resolve the issue, I went to a local bank branch and called the main number. No one seems to know what is going on, and I am certain it is not an isolated case pertaining to only my loan.
Consumer complaint received 2017-02-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AR Resources, Inc. (FL)

I called ar resouce inc that has my medical loan. After getting diconnected and the agent calling off a different number then i called on. The agent continued the conversation without reverifying who i was or doing the mini miranda again or told the calls being recorded.I asked them the lowest payment i can make. The agent advised me she can do a settlement. I asked her whats the longest i would have to pay off the settlement the agent said a month. I advised i cant do that whats the lowest payment i can make. The agent then told me well i can break the settlement off into 2 monthly payments. Yet that was not the answer i was given when asked how long i have. Again i advs agent i cant do that and again asked whats the lowest payment i can make she advised me $ XXXXs. I asked if i can make a {$5.00} payment she said no. I stated so i cant mail in a {$5.00} payment. Rudely agent said well yes. I then asked so then can i go online and make a {$5.00} payment rudely again she stated well yes. I asked for the information to make a payment online was given info thats not working and asked for it to be mail. Gave the infomation then hung up on me. I then called back asking for a supervisor and was told i can transfer to a voicemail. I asked when is one available and the agent just tranfered me to a voicemail in which i still have not recieved a call back and its been a month. Let alone the fact of being given deceptive information This is the worst practices of an agency that ive ever dealt been forced to deal with.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

I contacted PNC to obtain account statements for account ( s ) I closed in XXXX or XXXX. I 've called their toll-free number many times about this issue and visited a branch at their direction. At the suggestion of XXXX of their representatives, I sent a letter to XXXX XXXX requesting these account statements. The bank 's response asks for a " notarized letter of instruction '' and a divorce decree. I think the first thing sounds silly - can they really demand a notarized letter for this request? - and, as to the second, I do n't have a divorce decree. I am requesting this information to assist with a marital separation agreement, and a divorce decree ( if we ever take that step ) will not be issued for at least a year or so. Further, there is no reason the bank would need a divorce decree to provide old account statements. ( I do n't remember if my husband 's name was on the account, but even if it was we 'd be joint owners so I would n't need his permission or proof of divorce in order to obtain account statements. ) Finally, the letter requests {$5.00} for each monthly statement, but PNC can not tell me how many accounts I had or when they were closed, so I have no idea how much money to send.
Consumer complaint received 2017-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (NY)

My car was stolen on  XXXX / XXXX / XXXX  it was reported by th e NYPD since  it was in there possession due to an alleged dwi arrest on  XXXX / XXXX / XXXX  I was notified by the bank on  XXXX / XXXX / XXXX  that it was reported stolen the  NYPD never n otified me I had already retained an attorney  XXXX   XXXX  to have the car released unaware that it had been stolen. I went to the precinct that seized my car on  XXXX / XXXX / XXXX  they gave me all the paperwork to have my plates reported stolen  at NYS DMV  I did that I reported it to the insurance on  XXXX / XXXX / XXXX  I called the bank flagship credit acceptance and advised them that it was in fact stolen. I have been called twice by  XXXX  a supervisor at flagship stating I stole the car to return it or I had to pay {$2000.00} to have them find it and once they recover the car they will sell it and terminate my loan as non payment. I have been making my payments monthly from  XXXX  and still making them since the insurance company refused to cover the lost because t he NYPD is responsi ble so my attorney  XXXX   XXXX  has already file suit against t he NYPD for the co st of the car. If I have to continue paying the monthly loan payment I understand and will payoff the loan when we are awarded the money from the city but what I do n't understand is flagships harassing business practices the threats and accusations when I have done everything and have proof of what happened to the car.
Consumer complaint received 2015-04-14
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Profit Services Group (GA)

The Profit Service Group called my cell and work phone around XXXX XXXX XXXX. I immediately faxed a cease contact letter to the company. I received an email notice that the fax was transmitted to their office at XXXX. Then on XXXX XXXX @ XXXX the company called my cell again.
Consumer complaint received 2017-02-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (MO)

I have owned my home in XXXX, MO for close to 7 years. I took out an FHA mortgage loan through PNC Bank to buy the property. I have run into some financial difficulties in the past year and have missed some mortgage payments. I am filing this complaint because PNC Bank has been difficult to deal with, has not given me requested information, has not completed reviews and seems to be purposely trying to stop me from getting reviewed for government programs. The only option they are providing is to reinstate the full past due amount which is now close to {$7000.00}. I am not able to do this and believe there are other options available, but PNC Bank is saying there is nothing I can do except make the full payment or they will foreclose. 

I began struggling financially a few years ago. I am a XXXX, and when there are jobs the pay is very good. But there was a period where they jobs were few and far between and I began using all of my reserves to keep up with the mortgage loan. In that same time frame my brother passed away and this was a financial and emotional burden and put me in a deeper hole. I reached out to the agents at PNC at that time to see if I could be considered for any type of assistance and it was a very difficult process. I submitted the same documents over and over and seemed to get no traction with PNC and was eventually told that I did not qualify for any help. 

I continued paying as agreed, but last year when I had some down time from work again there was no money left to pay the mortgage payment and I fell behind. I could not make any progress with PNC so I began working with a third party to attempt to get some type of resolution. I was told again that I do not qualify for help. I asked for a solution and was told that I had to pay the full past due balance, PNC would not accept a regular mortgage payment from me. 

Now I am getting harassing letters from PNC Bank stating I will be going into foreclosure if I do n't reinstate the loan. However, I know there are MANY programs available for homeowners with FHA loans that would give me the chance to save my home -- modification, forbearance agreement, partial claim, repayment plan etc. I am not that far behind and I make a pretty good living -- I just ca n't understand how there are no possible programs that I qualify for? It just does not make sense. PNC Bank did not issue a written denial detailing what programs I was reviewed for and why I supposedly " do not qualify. '' Additionally, they repeatedly scrutinized the documents that were submitted and made me submit and resubmit over and over and made me feel like I had to jump through hoops to even get the time of day from them. 

I have put a lot of money and sweat equity into my home and do not want to lose it and want PNC Bank to work with me.
Consumer complaint received 2015-12-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (VA)

This is the WORST bank everWhen I went to open a new checking account with PNC Bank, the bank being made very attractive advertising and they are very polite when you began to open a new bank account, giving a blank application documents and check ID after that just want you signature on blank application form without remind related cost or fee, that is the problem is the nightmare began, In generally different banks when using ATM card withdrawals will charge fee is currently the bank system business, but PNC bank charge a lot of fee with too high too expensive compared with other banks, if you go withdrawals cash with non PNC ATM machine the charge will be for example : cash out amount of $ XXXX {$27.00} ( fee {$7.00} ) if you just look balance before withdrawals will charge additional fee {$3.00}, so total will be charge {$10.00} for just XXXX cash withdrawals, plus Service Charge monthly fee {$10.00} and account maintenance charge {$12.00}, all these costs they are not given detail information when you open new account, I have been cheated feeling .... 
Extremely disappointed with PNC
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX through XX/XX/XXXX I have disputed in various forms the following accounts for inaccurate information. They have not been properly been investigated or verified. All accounts have been ran through e-Oscar with the metro 2 compliance guidelines. I have had this problem with all three bureaus but in particular equifax .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I have been disputing this account repeatedly with documentation showing this account does not belong to me. I received notice from Equifax dated XXXX/XXXX/15 under dispute # XXXX stating that the disputed account no longer appeared on my report. I checked my credit file today, XX/XX/2015- and the account is still there.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

I am not able to get through either to the Credit Card company or to Equifax or XXXX. There is a report by XXXX of my being an " authorized user '' on a Credit card that was not paid when my husband XXXX in XXXX. As I am sure you know, as a matter of federal law, this is not my responsibility. TransUnion answered the phone and was very considerate about the matter and assured me that an investigation would be opened and it should be removed in about 30 days. XXXX hung up on me. Equifax and Experian only respond to requests regarding recent fraud and security breaches. Can I get some help? I am a very frustrated widow, here, with a XXXX year old trying to get a credit repair.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NM)

Re : Evasion of FCRA by Equifax I requested my free annual report from Equifax on XXXX XXXX, XXXX. I provided all of the personal identification information requested, none of it has changed within the past 9 years, and all of it agrees with with what Equifax had on file at the time of their last disclosure ( on XXXX XXXX, XXXX ). More specifically, my mailing address has not changed in over 9 years and Equifax has exactly that address on file. 

I answered all of the security questions correctly. None of those questions were ambiguous. There is no possibility any of my answers could have been construed as " wrong '' and, indeed, they seem to have been accepted as correct. 

I got the following response : " We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. '' Instead they demand I physically mail " Identity '' and " Address '' documents and that " The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. '' Interestingly, they have made the same demand in the past and I complied. So they already have exactly the documents they are requesting and already received them by US Mail. 
Again, my mailing address has not changed in over 9 years and Equifax has exactly that address on file. My social security number has never changed. And Equifax already has the documents they are requesting. 

It will take 2-3 weeks to obtain the report by mail ( from previous experience ). 

It appears Equifax would prefer I pay for a report or subscribe to their service to obtain XXXX electronically, and are evading the FCRA by making it as difficult and time-consuming as possible to obtain free annual disclosure. 

I want the report now because I plan to apply for credit next week. I will have to pay to see it this time. Please put an end to this evasion of the FCRA. Thank you.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (OK)

After originally complaint was filed, more information was requested. It was faxed 6 times and every time we called they said they did not get it. I received my credit report in mail dated XX/XX/2016 ( Equifax Confirmation # XXXX ) and it is now WORSE THAN EVER!! My name has been completely removed from my own credit report. It has been change to someone and I do n't know who by the name of XXXX XXXX XXXX, XXXX. The Date of Birth is not mine. My address is XXXX XXXX XXXX address. THIS IS SO WRONG!!!!! I call to talk to people and NO one knows what is going on. I have submitted my SS card and my DL to confirm my identity, which is XXXX XXXX XXXX, XXXX. But they still say I am XXXX XXXX XXXX. HELP HELP HELP!!! HELP!!!!! I have no idea who this person is!!!! My health can not keep this going!!! I need someone to contact whoXXXX can fix this and fix it NOW!!
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

I have shown proof to EquiFax and XXXX about my XXXX XXXX account that this collections account is not my responsibility. That aside, I disputed the XXXX XXXX account 2 years ago with EquiFax and after 30 days it was never removed and it has sat in " dispute '' for 2 years even though it was suppose to be removed after 30-45 days without proof from collector. I called EquiFax and told them it needed to be removed because it had been in dispute for 2 years. The woman at EquiFax said it was n't in dispute and it was just a comment on the account. I told her this " comment '' is keeping me from getting a mortgage loan. She said she would remove it. After removing this " comment '' my credit score dropped XXXX points. This proves that this account HAS been sitting in Dispute for 2 years or more and should be removed. Once the comment was removed it went back in collections and dropped my score tremendously! EquiFax is n't following the rules of disputes and it is effecting my credit score. I have contacted EquiFax by mail and by phone and have n't gotten anywhere with them. They claim that they ca n't do anything which makes no sense. They have a dispute department and the guidelines state that when an account is disputed the collector has 30 days to respond and if they do n't then the item is removed. This account sat in Dispute for 2 YEARS!!! It was never removed and now it has dropped my score XXXX points when they removed the dispute. I also have a student loan on my EquiFax report that is not my debt. I have never had a student loan and it was disputed the same time the XXXX wireless was disputed and it has sat in dispute for 2 years or more as well and should have been removed at this point. This account was never late and was paid off. So even though it is n't a negative account, it is n't mine. It needs to be removed. This student loan is STILL sitting in dispute at this time.