davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IL)

Upon receiving my XX/XX/2019 statement from PNC Bank for checking acct number XXXX, I found that a {$21000.00}. ACH phone payment had been made to XXXX XXXX ( copy of statement page attached ). I did not authorize this payment, do not have any XXXX XXXX accounts or activity, and do not know who's XXXX XXXX Account this {$21000.00}. went to. 
I called PNC Bank customer service who said they could not reverse the payment, and suggested I call XXXX XXXX. In speaking to XXXX XXXX on 3 occasions, they told me that PNC Bank must file a FORMAL COMPLAINT, XXXX  XXXX will not deal directly with me, the account holder. Attached is the initial letter from me faxed by PNC to XXXX XXXX. PNC did not receive a response from XXXX XXXX. PNC XXXX, XXXX XXXX XXXX Branch Manager XXXX XXXX spoke to another PNC Department, and I received the attached response, again saying I should contact XXXX XXXX. 
Reaching the PNC Retail Escalation Department and  speaking to XXXX XXXX, I have requested that PNC file a FORMAL COMPLAINT per XXXX  XXXX 's instructions, but PNC has not filed a FORMAL COMPLAINT to XXXX XXXX. For the last 3 weeks, XXXX XXXX and XXXX ( last name?? ) have not returned my phone messages, and I only get voice mail now. 

PNC tells me that anyone can call with a routing number and account number that can be read on the bottom of all checks written and they will perform an ACH debit with no further verification. I can not believe this is true. I believe that PNC is now ignoring me hoping that I will absorb the fraudulent {$21000.00}. ACH phone payment.
Consumer complaint received 2019-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

We had an unexpected and sudden drop on income end of last year XXXX and this year XXXX, and we did not have enough money to pay the mortgage, we got almost 3 month late in XX/XX/XXXX and the mortgage company, XXXX XXXX, sent us an intent to foreclose in XXXX, we talked to them and we try to start a mitigation but it was complicated so we did not formally start the process in writing because the document to file was so heavy and asked many other documents. We talked on the phone about the mitigation process and were assigned a mitigation officer. 
Then we caught back on payments and I was current in XXXX, but in the mean time XXXX sent a letter saying we don't qualify for a mitigation. We called XXXX but the Mitigation officer also said to us we should not follow anymore the mitigation because XXXX was about to transfer the loan. So without me knowing, XXXX transferred the loan to a third party called Penny mac. Meanwhile I was late again in XXXX and XXXX. i was up to two months late. I am really struggling, I am paid late my employer and I have to pay multiple bills at once. Currently, I am only one month late though for XX/XX/XXXX. Since XXXX transferred me to this other servicer Penny Mac, each time I call Penny mac over the phone to pay my mortgage, they tell me that they sent me an intent to foreclose, I am not sure why they say that, I was only 2 months late and now only one month late for XXXX, and I never received a new notice of intent to foreclose ( A foreclosure, I thought, can only be opened if one is 120 days late ). However, looking through all my papers, I did receive a notice of default and intent to accelerate on XX/XX/XXXX that was sent as a regular mail not certified. That seems a notice of a different nature, it says I have until XX/XX/XXXX to cure the loan or they will accelerate it. We are already XX/XX/XXXX. I am really worried, It seems I have to cure loan immediately XXXX by XX/XX/XXXX XXXX, with late fees that they added of {$370.00}, or they will accelerate the loan and foreclose? if this true? I feel my original mortgage company XXXX transferred me to a mortgagor who just tries to foreclose on me any way possible using a tactic that I am very unfamiliar with this threat of loan acceleration, and I just read a court decison where a person complained of a wrongful foreclosure against that same mortgagor Penny mac. I  am extremely suspicious that I was transferred to a third party loan servicer right at the moment I was experiencing financial problems and could not catch up payments. I believe the current mortgagor is just trying to foreclose on me by requiring I cure immediately or they will accelerate the loan and foreclose. XXXX   should not have transferrred the loan while I was trying to mitigate.
Consumer complaint received 2019-06-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (CA)

On XX/XX/2019 a company called XXXX XXXX XXXX called my cell phone and my place of business notifying me that all entities associated with my social security number will be suspended. The recording also says that charges will be brought against me in the court of law in the XXXX XXXX county and in civil court. I called them back. I asked for a website. The representative said it was under construction. The case manager got on the phone and threatened me with a felony charge and intent to fraud a financial institution. She read me my full social security number, address, bank account information, and phone numbers. I did call the company check n go and verified the account. However, they did sell the account. I was able to contact the current collector XXXX XXXX XXXX and pay them in full. The amount that XXXX XXXX stated was XXXX when XXXX dollars was the amount owed. I am worried that this fraudulent company has all my personal information. I am very shaken by the threats of being served at my home and being charged with a felony through the district attorney office. I hope by launching a complaint that this company can be stopped from terrorizing me and my family.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

For over 12 years now, I have summited identity theft on my credit reports, I haven't received any info. On how to solve the issues, but I am certain I know who is using my name, her name is XXXX XXXX, her maiden name is XXXX XXXX, she always was married under the name XXXX, then XXXX XXXX XXXXXXXX, I am certain this person is still continually using my identity please help me cease this person 's actions regarding my name
Consumer complaint received 2021-06-11
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. (MO)

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING COMPANY WAS OPENED FRAUDULENTLY IN MY NAME : XXXX XXXX  OPENED : XX/XX/2017 AMT. XXXX
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2019 I pre-authorized check # XXXX in the amount of {$300.00} from my Bluebird account, payable to my landlady. She deposited the check on XX/XX/2019. I received notification via email as follows ; Your Bluebird check was paid on XX/XX/2019. The check details are listed below. 
Pre-authorization Date : XX/XX/2019 Expiration Date : XX/XX/2019 Check Number : XXXX Check Amount : XXXX. 
Followed by another notification via email as follows ; We are writing to let you know that we were unable to honor Bluebird Check XXXX for {$300.00}. 
I called Bluebird customer service to clarify this as my check for {$300.00} was duly pre- authorized and funds taken from my account and was told, in essence, that this was a " system glitch '' they were working to correct and the funds would be returned to my landlady 's account. Her bank had " bounced '' the check by XX/XX/2019 and charged her a {$12.00} fee. The amount of {$300.00} was subsequently returned to my Bluebird account instead of to my landlady 's. I had to retrieve the {$300.00} plus {$12.00} fee cash from my account as she would no longer take a Bluebird check. In addition to the inconvenience and embarrassment of my rent check bounce I had to reimburse {$12.00}. All because of a " system glitch '' by Bluebird. I need them to at least, reimburse me that {$12.00} fee charged by my landlady
Consumer complaint received 2019-06-21
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (MD)

I attended this school for one semester after finishing my prerecks at a XXXX XXXX college I  transferred to XXXX XXXX college they told me I needed to fill out a student loan in order to attended the school after I finished my first semester I was told that the school was closing down and the owner of the school held a meeting and let us now that the school credidation had been lost I took out 1 loan and then it turned into XXXX dollars this has been under investigation for 7+ years it is affecting my credit tremendously I have called the Navient department and the department of education and all they have told me there's no information at this time the school has been shut down due to fraudulent actives I have disputed it numerous of times with XXXX and they have yet to take this of my credit I did not accumulate these loans and I never got any certificate stating that i went to this school please help me it has been 7 years these are not my loans I have been told that the owner of the school has taken out loans and kept all of the money
Consumer complaint received 2022-10-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

portfolio recovery REFUSES to give me a signed contract by me, they also refuse to tell me The FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX XXXX portofolio recovery illegally re-aged this outdated debt damaging my credit and refuse to remove it and they keep calling me on the phone. 
WHAT IS FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX XXXX????? I NEVER SIGNED A CONTRACT WITH portfolio recovery. HOW OLD IS THIS DEBT???
Consumer complaint received 2017-01-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

My car was n't impounded or abandoned. The day of XX/XX/2016 my car was totaled and the police officer told me that no body shop would take the car that I should have it towed to impound. So I had it towed to the XXXX XXXX XXXX impound at XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XX/XX/2016 I contacted Toyota customer service and reported the incident and the location of the car. I contact Toyota GAP and they told me the loss department would file for the GAP. I contacted the impound and they told me that since the Toyota is legal owner of the car and the car is totaled they going to contact the Toyota MTR Credit Corp at XXXX XXXX XXXX XXXX XXXX XXXX and try buy the car from them since is totaled and he said the will proved to Toyota by sending them picture of the car and the document the car is totaled. Late when I call the impound they said that the Toyota give them permission to buy the car from Toyota. I contacted toyotacustomer service and they transfer me to another department and he told me that the car was sold to the impound. That according to my GAP agreement ( does n't require insurance ) will pay off the car and what ever remaining balance is would be waived. Which is terms my lease and GAP agreement. She also asked for copy of the police report and I faxed and mailed a copy of it.
Consumer complaint received 2021-02-11
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 (NV)

I made a purchase at XXXX XXXX XXXX XXXX on XX/XX/2021 in the amount of {$24.00} and had problems with the online/mobile transaction. When I attempted to dispute the charge on barclaycardus.com it doesn't give me the dispute option, and when it does it states that I have to mail in my materials to a Delaware address. I haven't experienced anything like this in the past XXXX years, everything we do these days is online! I had to call in 4 times because everyone I spoke with kept transferring me somewhere that would answer with a message along the lines of 'we are unable to take your call, please call back again later '. That message is sort of odd, since we're about 10 or so months in Covid. That excuse is so worn out by now, no one accepts it anymore. When I finally did get through to someone ( who called herself XXXX, and promptly hung up on me ) she was very argumentative. If Barclays does not want my business, please let me know!
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX, Equifax and XXXX are all listing incorrect information on their sites ( and XXXX XXXX ) picks it up and lists this information on its site. 

Specifically : 1. they are listing my account with XXXXXXXX XXXX as closed, when it should state " Paid In Full ''. 
2. They are listing I owes XXXX XXXX {$39.00}, XXXX unpaid money. This is incorrect and I have contested and sent collaborating evidence, yet they continue to list this. 
3. I am also listed as having 175 credit cards. In the past I had approximately 4-5 credit cards total and presently only two.

Finally, every time I contest the erroneous information they use these old accounts as a reason to drop my credit score. Also every time I use my credit card, even though I pay the balance off edarly - prior to the due date, they drop my credit score. 

They are doing this to get me to buy in to their services, i.e. applying for credit cards they advertise and support on their sites. Since I told them that I was not interested in their products they have continuously dropped my credit score while continuing to bombard me with requests/emails to buy their products. 

They are causing me to lose financial opportunities and are crushing any chances I have of applying for a home, apply for bonding and most importantly, trying to break my spirit. 

I just checked again to day and they dropped my credit score again. I need your help to make this stop. 

I have backup information for XXXX and XXXX if you wish to have them. 

Thank you for your time and effort.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

Good day, today I got my new credit report from credit monitoring My XXXX, and I'm still see that XXXX  and Experian still reporting a late payment on XX/XX/2015. When is not a late payment reported in Transunion. These account is been dispute several time, and always came back as verified. How one Credit Bureau report a different information compare with the other two. The only way negative accounts can actually stay on your credit report if it is complete accurate and verifiable.

Also Credit Bureau should get information from the same FurnisheXXXX XXXX XXXX XXXX ) in this case.
Consumer complaint received 2020-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MA)

THIS IS NOT A DUPLICATE. THIS IS A FOLLOW UP TO COMPLAINT XXXX WHICH WAS NOT RESOLVED. 

I received the letter attached from the Citibank Executive Response Unit XX/XX/XXXX. This letter references the incorrect account number, states that a check was sent to an unrelated address ( even though I confirmed the correct address 3 times, yet they managed to send a check to XXXX but the account address is in XXXX? ). Additionally, they state I requested to close the account but this was their decision and they failed to request any additional documentation due to a systems " glitch ''. 

I called the executive response unit and was assigned an investigator - XXXX XXXX, whom I have yet to hear from even though I was promised she would reach out to me within 24-48hrs ( it has now been over a week, I have called, left VMs, etc and nothing ) I called customer service various times. Asked for the previous check to be cancelled and for a new one to be mailed to the correct address ( I called Friday XX/XX/XXXX ) was told by an agent he could have this done. Called Monday XX/XX/XXXX, spoke to XXXX and she says she didn't see any request done on XX/XX/XXXX that she would do it. Called again today XX/XX/XXXX, the agent states a check was sent XX/XX/XXXX to the wrong address. I asked if I could go to a branch and withdraw the funds, she says no because the account balance is {$0.00} as the {$27000.00} was already sent .. a month ago and I haven't received it? makes no sense.
Consumer complaint received 2021-10-15
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. (CA)

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Department of Education/Navient is a government entity aka " person '' and it unlawfully for it to be placed on my customer report based on 15 US Code 1681 ( a ) exclusions. Based on that fact, I demand it be removed from all consumer reporting agency.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WI)

I OWED A PREVIOUS DEBT TO XXXX XXXX BACK IN XXXX THIS WAS PAID AND I NO LONGER OWE MONEY TO SPECTRUM. ON XX/XX/23 MY CREDIT BUREAU WAS FLAGGED FOR A NEW COLLECTION ACCOUNT WHICH IS NOT TRUE. THEY ARE SAYING I STILL OWE XXXX  {$280.00} WHICH IS FALSE I DO NOT OWE ANYTHING. I SPOKE WITH SPECTRUM ON XX/XX/23 AND NOW XX/XX/23 AND THEY STATED YES XXXX YOU PAID US OFF. THIS ACCOUNT WAS WITH ANOTHER COLLECTION AGENCY BACK IN XXXX AND THEY CONFIRMED IT WAS PAID AS WELL. THIS NEEDS TO BE REMOVED AND I NEED TO BE COMPENSATED FOR THE EMOTIONAL STRESS THIS HAS CAUSED ME.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

In XXXX of XXXX, I filed a dispute with Experian on XXXX  XXXX XXXX. I was told that the dispute would possibly be resolved within a month 's time. Within that month I've received communication from XXXX  XXXX XXXX of the steps they took to research and correct the error they made. I was ensured that all credit reporting agencies would reflect that a foreclosure that took place on my home started in XX/XX/XXXX and was completed in XX/XX/XXXX. Experian will not reflect the correction on my credit report. They have put on my credit report that I was past due on my mortgage until XX/XX/XXXX, then I was current on my mortgage from XX/XX/XXXX until XX/XX/XXXX, and the foreclosure process started in XX/XX/XXXX. And on top of that, they indicated that a credit card I have from XXXX made my credit score decrease 14 % due to high usage. I don't use this card and only have a {$47.00} balance on it. When I initially contacted Experian I was told I needed to contacXXXX XXXX XXXX XXXX  and so I did. The representative from XXXX told me that my balance is {$47.00}, that I've never been late on my repayment, I've never missed a payment, nor have I've been over the limit. That they have never reported any negative information on me to make my fico score decrease 14 %. So I called Experian back and told each employee that I spoke to a representative at XXXX and what I was told and then I was transferred throughout the company to several different departments with each representative saying the decrease was due to me filing a dispute, that they don't handle such issues, and I need to contact XXXX  the creditor.
Consumer complaint received 2019-06-21
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: EQUIFAX, INC. (FL)

When asked whether or not my personal data stored at Equifax was compromised in the security breach of XXXX, Equifax refused to give an answer. I supplied my name, address, date of birth, and SSN with my request as per FCRA rules. Equifax 's refusal demanded both proof of identity and proof of address as a precondition to accessing my file. 

15 U.S.C 1681g entitles consumers access to their own files. The conditions of disclosure are written in 1681h, which requires " that the consumer furnish proper identification. '' The FTC has determined that an SSN constitutes " proper identification '' ( https : //www.consumer.ftc.govXXXX XXXX 

According to my records the fax number for Equifax is ( XXXX ) XXXX. I tried to transmit a fax to that number and their fax machine refused, which caused the error " connection refused '' to be reported back to me. This problem has increased my cost of correspondence, as I had to post a letter. 

Equifax breached its obligations under 15 U.S.C 1681g when they denied my access request. The denial is therefore legally actionable. Please act to bring Equifax into legal compliance. 

Thank you.