davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A. (VA)

This complaint is on XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called PNC to speak to a representative specifically pertaining to XXXX XXXX and asked the rep to please tell me about the app that 's connected to the PNC mobile app. I also explained to the rep my reasoning behind wanting to know more information about XXXX. I told her that I was purchasing a product from a seller from XXXX a site where buyers can sell gently used items. I also expressed that I always use XXXX all the time and is XXXX similar where if for whatever reason I do n't receive the product or something goes wrong can I dispute the transaction. She stated yes and that I can cancel it anytime. Had she not confirmed XXXX was a secure way to send money similar to XXXX where you can file an appeal I would have never sent any money to this seller. The same day the transaction was completed I called PNC because the seller did not provide me the tracking information I requested. The 2nd representative gave me instructions for canceling the payment online and the option was unable. The 2nd rep I spoke to also stated that once it 's completed they ca n't do anything about it. However, the first initial rep I spoke to NEVER stated once a transaction is completed you ca n't cancel it or dispute it she stated the complete opposite. So at this point I 'm distraught because I specifically called in inquiring more information about this payment system connected to my PNC mobile app. I beg the rep to complete a dispute explaining I was rob of {$900.00} from a fraudulent vendor. I had the vendor name, number and PNC had the banking information it was transferred too. After several days of not receiving any notice or documentation about the case. I called PNC again to check the status. A representative informed me on the case its states resolve with recipient. I just lost it crying frantically asking to speak to a supervisor or someone who can help because I did n't get any notice about their decision so more time is being wasted and my {$900.00} is gone. The supervisor was just apologizing for the very first representative I spoke to who misadvised me to send money through XXXX XXXX stating I can appeal or cancel it. I requested the call to be pulled and that the case still be looked into and how can they not be able to track {$900.00} and do absolutely nothing about it. It was complete negligence on PNC in the way the handle it was not able to help out a customer in need at all due to false information provided by there representative. I just desperately want my money back.
Consumer complaint received 2017-06-20
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. (TX)

It 's been well over a year now, and I 'm still battling with Equifax to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (MI)

ERC calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.
Consumer complaint received 2020-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CA)

us bank/elan finl svcs XX/XX/2015 Remaining : {$1000.00} / Due : {$36.00} i recently found this name and info from credit report. never received any contact or letter, info. or know who they are.
Consumer complaint received 2017-06-20
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. (CA)

On XXXX XXXX, XXXX and in XXXX XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX filed a XXXX notice with the IRS in XXXX declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XXXX tax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit. I submitted a fair and reasonable offer to settle this account. This was based on the corrected amount and also XXXX XXXX various FCRA violations in the handling of this account. They have failed to respond to the notification of the incorrect balance being reported, or to the settlement offer.
Consumer complaint received 2017-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I pulled out my credit report because I 'm trying to purchase a car, and was told that I had a collection from : I C System Acct # XXXX ( XXXX XXXX XXXX XXXX ). I have no idea what this is, and I never opened any accounts with them.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

On XX/XX/XXXX, I attempted to unfreeze my credit with Equifax ( the only reporting agency used by my bank ). I contacted them by phone and online multiple times. Their " security '' system was unable to confirm my identity because it contained incorrect information, which I was unable to correct because they couldn't verify my identity ( catch 22! ). 

I mailed ( certified ) requested documentation, which they received in the morning of XX/XX/XXXX. They stated 5-7 business days to rectify problem. They still have not as ofXX/XX/XXXX. My bank will be unable to process my application beyond XX/XX/XXXX. 

Equifax have refused to help me, despite my multiple requests, and are holding my credit hostage.
Consumer complaint received 2017-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I began contacting them and submitting info for the IBR in XXXX once completed school. I had been placed on an IBR with the understanding after so many payments it will be forgiven. I was n't ever advised that consolidating the loans be in my best interest at any point. When I became employed with a XXXX XXXX and the public service forgiveness was available I contacted again to see whether it be benficial to consolidate ( in XXXX ) and even though the forgiveness is sooner I was advised that it not be in my best interest since I was already three years into the forgiveness of the traditional forgiveness. It has not yet been approved for the public service forgiveness but it has been filed and the consolidation has been completed. I was able to have two years out of the way already had I not been stirred in the wrong direction in XXXX but either way am having to start the forgiveness period over since doing the consolidation ( in XXXX ). I was not ever advised of the best route to take since graduation with high interest loans have increased by XXXX. XXXX XXXX had been original loan serviced and is now navient. I also have found that even though XXXX XXXX XXXX claims to be credited university having a career in the field in which I attended college has not happened. So many things here.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NY)

lexis nexis is stating on my report that I was involved in a motor vehicle accident and I was at fault on XXXX XXXX  2013 So ask them furnish this report to verify this information since they are reporting it Where are they getting this from produce the police report
Consumer complaint received 2021-01-19
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)

There are many mistakes appear in my report without my understanding. I have written multiple letters beginning XX/XX/2019 about these 8 items on my credit report that transunion claim to have verified all the information on my accounts but there is incorrect information throughout the accounts that transunion will not correct. I am asking that these accounts be removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I would like to file a complaint ... Synchrony Bank has been closing my accounts one by one over the past six months ... I have spend several years building my credit score only to have Synchrony Bank ruin it all by closing most of my accounts for no reason. Every account they have closed were all in good standing with no late payments EVER. I have a 100 percent ontime payment history yet my accounts keep getting closed and it is affecting my credit score tremendously. I have done everything right with synchrony bank ... opened accounts, used them, paid them on time and yet they are still closing my accounts. I need someone to fix this and stop future closing of my accounts and possible reopen all of the accounts that they have closed. I have already spoken to several people at synchrony bank and no one seems to be able to help
Consumer complaint received 2020-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (PA)

Dear madam/sir, I have tried multiple times to remedy this issue. I sent several emails and a letter last month, asking to resolve the account. I requested multiple times for them to write me back, but they never replied. I specifically told them that I did NOT want to speak on the phone, and that I awaited a letter or email in writing. They called and left a message, to which I responded again IN WRITIING in an effort to resolve this account once and for all. Again, I received no written response either via email or letter. 

I finally simply paid the FULL past due amount {$730.00} online ( I have screenshots of the account payment, and the draft can be viewed from my bank account statement ) : The account misreports that part of the loan is a charge off and the {$730.00} was sent to recovery. After my {$730.00} FULL payment, the company is reporting that the account is STILL delinquent ( after the account went to XXXX ). I have contacted all three credit reporting agencies and asked them to look into it. Each time, Mariner has reported to them that I still owe the {$730.00}, which I do not. The account is now XXXX. 

This is false information, and they refuse to update with correct information. Although my preference would be to simply delete the entire account from all my credit reports, as they are a filthy business. Even when the account was still open/active ( years ago ), they would harass and call me at work. They would leave messages threatening to put a lien on my home if I didnt pay ( which I believe it illegal ). Im tempted to ask my employer for the recordings, and will if it would help my case. 

This is absolutely the most loathsome and despicable company to work with. NO ONE deserves to be treated with these high interest predatory loans, and it should at the VERY least be required of them to report the loan accurately.
Consumer complaint received 2017-06-19
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. (TX)

To who 'm it may concern, I am writing this dispute on behalf of Equifax. I have contacted Equifax via phone and via certified letter on behalf of XXXX unauthorized hard inquiries. I have had a fraud alert in my credit file before also my personal information was convined with someone else 's personal information now I have a fraud alert due to identity theft that indicates anyone who runs my credit needs to contact me to verify if it 's me seeking credit and that was n't done and that violates my rights as a consumer. I have reached out to Equifax on more than one occasion to advise of my credit being pulled with out my permission and request them to delete the inquiries with no result.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

My credit card company, Chase bank, has a promotions called Chase Offers. There was an offer available to be used at the XXXX & XXXX store. The terms said that I needed to make two purchase greater than {$37.00} each and would receive a credit for {$75.00}. On XX/XX/XXXX I made two purchase that were {$53.00} and {$54.00}. Shortly after I received an email stating that I " ... just used one of your Chase Offers ''. I then logged onto chase.com where I saw the two charges for XXXX XXXX XXXX. On XX/XX/XXXX when my husband logged into chase.com to pay the credit card bill and noticed that somehow the XXXX XXXX XXXX charge was changed to XXXX XXXX. We then called chase at ( XXXX ) XXXX and opened a case. I was told to call back to get the status after a few days. On XX/XX/XXXX my husband was told his case was won and I too should have a similar outcome. On XX/XX/XXXX, he received a letter stating that his request was denied. I am now out of the return window at XXXX XXXX XXXX so I called to speak with a supervisor to find out how this " bait and switch '' and outright lying could have happened. Another case was then opened to review the phone call were I was told that a credit would be forthcoming. Case number XXXX
Consumer complaint received 2017-06-19
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: ERC (TX)

Upon examination of my credit report I found an item listed to  Enhanced Recovery Company in the amount of {$520.00}. I disagree with the item and so sent a letter vi a certified mail on  XXXX   XXXX  requesting validation of the debt bearing my signature. I received no response from this correspondence and so sent a follow up letter on  XXXX   XXXX ,  2017 . To date, I have still not received any response from my request. It is my belief that this failure to provide information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not validate.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

I have been trying to dispute fraudulent charges made on my account since XXXX XXXX. I left the United States and last used the card on XXXX XXXX, XXXX ( please see attached airline receipt and passport page image ). However, fraudulent charges began appearing on my account on XXXX XXXX, XXXX. I noticed these charges on XXXX XXXX, XXXX and called Citibank from XXXX XXXX. Citibank sent me an email alerting me to the fraud ( see attached ). I was told that the charges would be investigated. I also requested that the account be closed and it did not happen. I called again on XXXX XXXX, XXXX and was told that the charges were still under investigation. On XXXX XXXX, XXXX, I submitted a payment of {$1000.00} and was told that the credit would be applied for the fraudulent charges. That also did not happen. I visited a Citibank branch in XXXX, Florida on XXXX XXXX, XXXX and was told that they could not help me with my credit card account there. I called again on XXXX XXXX, XXXX and spent 47 minutes on the phone speaking with 3 different representatives. First, I spoke with XXXX. I explained the issue with the fraudulent charges and she assured me that fraudulent charges would be refunded to the account along with late fees and interest charges which resulted from those fraud charges. She then transferred me to XXXX in the Fraud Dept who said she had no access to the account and that she would have to contact the Billing Dispute Department. She transferred me to XXXX. XXXX is the one that helped me the most, reviewing the fraudulent charges with me and initiating disputes for each of them. When she finished going through each charge she told me that someone would call me back within 24-48 hours. I asked her about the interest fees and late charges. She said that an account supervisor would need to help me with that and told me to hold. I was then disconnected from the call after 47 minutes! I called back again right away and spoke with XXXX. Without even letting me explain what my issue was she said I had to call back at XXXX tomorrow to speak with a Collections Supervisor. I explained that I had just finally initiated a fraud investigation on my account for the 3rd time and that the account should not be in collections. She told me that someone would call me back within 2-3 days. I got very upset about that since XXXX had told me I would hear back within 1-2 days. I asked about the timeframe again to be clear and XXXX said it would be 1-2 days. She then insisted that she could see all of the notes made on the account, but that I would have to call back the next day to speak with a Collections Department Supervisor at XXXX. Also, please note that I was placed on hold several times during this call and was on the phone for a total of 23 minutes. You can see a screenshot of my phone in the uploaded items. I am XXXX years old!!!
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

As of XX/XX/XXXX CMG Financial released a check of {$8200.00} which never arrived. Upon not receiving till XX/XX/XXXX, CMG Financial released a second check on XX/XX/XXXX after stopping the first check. 

The second check hasnt arrived as of XX/XX/XXXX ( beyond 14 days committed time ) since it had been sent to incorrect address. 

CMG Financial had been updated with multiple emails with the problem since XX/XX/XXXX and in return CMG confirmed in written that it indeed had my correct address ( to which the loan had been granted and all other communications had been sent ). 

As of XX/XX/XXXX, CMG still fails to confirm of initiating the check payment to the correct delivery address and is ignoring to pay off {$8200.00}. CMG Financial has been incorrectly holding my escrow refunds for the last 3 months which is devoiding me of this capital and limiting my liquidity to pay my housing taxes.
Consumer complaint received 2017-06-19
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. (TX)

On XX/XX/XXXX I check my credit report to find out that 5 negative accounts and one collection were inserted back on to my report also a total of 11 inquiries. On XXXX XXXX, 2017, i called to get and explanation of why I was treated horribly and as if I was a liar by 2 reps and a supervisor. I offered to send copies of my previous reports and they refused and informed me to file a complaint because they did nothing wrong. I pull the hard copy of my report from XXXX 2017 and XXXX 2017 to make sure I was seeing everything correctly. The account readded were XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. The inquiries that were reinserted were XXXX, XXXX, XXXX, XXXX XXXX,  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Per the FCRA I must be notified within 5 days which has not happen. I have been violated by Equifax and request that these items be deleted permanently and an updated report be sent out.