davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

During the billing cycle of XXXX XXXX to XXXX XXXX, XXXX, {$20.00} was taken out of my checking account. I had opened a checking and savings account in XXXX XXXX. I had a promotional interest rate on my account for six months. Due to incorrect interest rates, I left {$10000.00} in my savings account which was advised by the PNC representative as the matters was being resolved. The following month, the {$20.00} was taken out of my checking account as a charge with no explanation. No following charges were taken out. The account savings was the same type and the balance had not changed. A PNC representative stated the {$20.00} was a fee. However, the balance in XXXX accounts remained the same. We stated this and in XXXX XXXX, a PNC representative informed us the {$20.00} refund would take XXXX10 days. However we did not see it and when we called, they stated it would take 45 days. 
On XXXX XXXX, my sister and I went to PNC directly and asked for another service request to be submitted and this time we got a copy. The representative stated that the last service request was granted but the checking account was closed so PNC had no account to deposit the {$20.00} to. My savings account is still open and I asked for the money to be deposited there to which the PNC representative stated that is impossible because the money needs to be deposited into the original account. Seeing my displeasure, the representative submitted another service request, which I got a copy of. 
On XXXX XXXX, I followed up on the service request. The PNC representative stated that no money could be refunded, again stating that the checking account should have never been closed if there was money to be refunded. The situation had escalated to XXXX levels ( the manager and branch manager ) in the bank, and nothing could be done. 
The acknowledgement of taking out my {$20.00} and not giving it back because the checking account is closed does not make sense to me. The {$20.00} was originally in the checking account ; however, my savings account is open and I was informed that it would not matter if I closed the checking account.
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (TX)

PNC mortgage forced escrow due to malfunction on my insurance companies side and they mailing out saying all the companies accounts we delinquent due to glitch. Well they reinstated them. My mortgage company " did not '' reinstate my insurance. They continued to escrow and not apply my mortgage. All though one i called they said they had received my policy hence the forced escrow should have stopped. I have emails and fax confirmations for 4 months now that I have sent the info needed. The collections dept ca n't call the escrow dept because they have different work hours. If they are to provide a service to collect then they need to have all dept open at the convenience of the customer to resolve any issues at hand and not have gaps in time and systems info communicating to all dept related to an account not just tid bits related only to that department. They returned my money reported it as not paid. Now reporting that to the credit bureau affecting my credit history. An email and I would have sent payment asap to avoid credit reporting issues.
Consumer complaint received 2016-06-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (GA)

I made contract with PNC Bank. I opened business account and contracted credit card merchant service on XXXX 2015. XXXX, who is a sales agent, promised me that I will get total of {$600.00} for opening & activation. From my {$600.00} money credit, she took {$400.00} for credit card merchant service activation fee. Therefore, she said I should get {$150.00} in cash & {$250.00} in my business bank account. However, money never came to me. I contacted main PNC merchant service center & the money back requested never been made since I opened the account. She is ignoring my text message, phone calling since last year of XXXX. She never shows up on any of PNC Bank in XXXX XXXX Georgia.
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (KY)

we applied for a mortgage loan, and this error is reporting on both our credit. we mailed letters to all XXXX bureaus and a direct letter to SYNCB/Care Credit to remove this account that is not ours. It was removed off my wife 's credit file, but it still remains on mine. We ca n't proceed until this problem is fixed.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (IL)

This account was closed in XXXX XXXX. Recently, in XXXX XXXX, I received a bill, which stated that I owe {$120.00}. I have enclosed copies of the billing statements from XXXX XXXX, through XXXX XXXX. 

As you can see, prior to the closing of my account, the bill was always paid in full. It was in XXXX, and according to the information I received from Barclay 's, my account was closed effective XXXX XXXX, XXXX, after payment in full of the {$130.00}, which resulted in a zero balance on the account. 

Thereafter, in XXXX XXXX, after the account had been closed for a month, I received a statement, which had an automatic charge XXXX. 

First, I had cancelled my membership with XXXX, effective, XXXX XXXX, XXXX. 

Second, and more importantly, the credit card account had been closed on XXXX XXXX, XXXX, so the card should not have gone through for a XXXX XXXX charge. 

Therefore, the charge from XXXX for XXXX XXXX was disputed. When I contacted Barclay 's in XXXX XXXX, after receipt of the XXXX XXXX statement, regarding the disputed charge, I was told it would be looked into. For the next six XXXX months I checked the statements, which were received from Barclays. For each of the statement from XXXX XXXX, to XXXX XXXX, the " Minimum Payment Due '' was stated as " None ''. 

Thereafter from XXXX XXXX, through XXXX XXXX, a full three ( 3 ) years after the credit card had been canceled and the account closed, effective XXXX XXXX, XXXX, the " Minimum Payment Due '' was stated as " None ''. 

Now, over three years after the disputed charge was first brought to the attention of Barclays and over three years of receiving statements, which had " Minimum Payment Due '' was stated as " None '', there is a request for payment of {$120.00}, which includes service charges.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Lenderfi, Inc. (CA)

We applied for a refinance on our property in california. We were continually assured that the loan would be approved ( excellent credit and loads of equity ) We were required to pay for an appraisal ( {$510.00} ) and a subordination fee that had to be overnighted ( {$250.00} + {$50.00} ). After nearly 10 weeks on this loan and the mountain of paperwork we sent to them I called them only to find that they claimed we did not qualify. Their only explanation of debt to income did not make any sense. I have requested a further explanation to no avail. We want our upfront monies back and we want all the papers associated with this loan with a full explanation.
Consumer complaint received 2016-11-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

I have been out of work for a year and a half so my checking acct. was at {$0.00}. A small automatic withdrawal was made while I was in the hospital. I do n't even know what it was for because they cut off my access to my online account. The penalties imposed by the bank was {$140.00} on a under {$10.00} automatic withdrawl which there was no money in the account and had n't been for months. On XX/XX/XXXX I received a letter from chase saying they had changed the overdraft fees etc and they made a credit to my account of {$140.00} with an ending balance of {$0.00}. On XX/XX/XXXX, I received a letter telling me they closed my account, cut of all access to the account, and REPORTED ME TO THE EARLY WARNING SYSTEM WHICH HAS KEPT ME FROM GETTING A CHECKING ACCOUNT and sent me to collection. This happens at a time when I am trying to start a small business. I thought maybe the letters crossed in the mail, but nooo on XX/XX/XXXX, I received a letter from chase 's internal recovery unit demanding payment. XXXX MONTHS LATER THEY STILL ARE DESTROYING ME FINANCIAL. HOW IS IT POSSIBLE FOR A DEPOSIT THEY MADE INTO MY ACCOUNT NOT BE CREDITED TO MY ACCOUNT??? Do they have XXXX sets of books? I can guarantee they would have a withdrawal recorded to my account in seconds from anywhere in the world.
Consumer complaint received 2017-02-24
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bliksum, LLC (CA)

In XX/XX/2015, i took out a XXXX personal loan from a company called Loanme. It was all done over the phone. Just 2 weeks ago, the loan company took the monthly payment of XXXX dollars from my account. I, sure that i had already paid off what they let me borrow, called the loan company. During that phone call i was informed that the interest rate for my loan was a whopping 135 %. I asked them to then send me documents with all the information regarding the loan such as terms and conditions. I have those now. I told them that my financial situation has changed since my hours at work had been cut due to me attending college. They asked me all kinds of questions regarding my weekly spendings and told me that they would be able to lower the monthly payments from {$290.00} to {$250.00}. The gentleman that was helping me informed me that they had sent me an email containing all the details regarding the changes to my loan account. He said i absolutely must sign that form electronically as soon as possible and to call him as soon as i did. He really made it seem incredibly urgent. I found it weird that i had not yet even signed anything with this phone company, and now they suddenly wanted me to electronically sign this online document. This document says that not only my monthly payments had been lowered, but that the interest rate had also been lowered from 135 % to 115 %. This was something that i was not told would happen during the phone call. All they told me was that if i did not sign and return the electronic document to the company via email, then the changes made to my loan would not happen. I find this all very suspicious. As far as i know, the maximum interest rate in the state of California is 10 %. I am more than willing to pay a legal interest rate. But this to me sounds a lot like theft. I would really appreciate the help and the careful analysis of people who possess a much greater knowledge on these issues. Thank You.
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

This is a issue regarding multiple shortcomings in the credit reporting process. On XXXX XXXX, 2015 I ordered my XXXX credit reports and score from Experian. The Equifax score was over XXXX points lower than the other XXXX credit bureaus even when computed by the same scoring model. No one can tell me why the score is so much lower even when the information in all XXXX bureaus is nearly identical. The experian credit factors also states that negative factors include the fact that my oldest account is less than 6 months old and that I am behind on my mortgage ( There is no delinquent mortgage reported anywhere on my credit report and the oldest open account is over a year old ). The same XXXX inaccuracies are also present on the XXXX record. These credit reports also list several credit inquiries that I have disputed many times and each time the dispute comes back stating that " then entry is of factual record '' and the inquiries have not been removed. There are several inquiries that I have not authorized and are having a negative impact on my credit quality and there should be a way to get these inquiries removed if they were not authorized. These inquiries include XXXX XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX I. I have disputed these entries more than once and have even tried tracking down phone numbers for each the creditors of which is just a endless loop of phone calls and transfers to departments that have no way to look up any record of me applying for credit with each respective lender. There is also just a blatent disparity of data accuracy across the reports with for example XXXX bureau reporting a account open and another reporting the account closed on a loan which was paid off years ago. When a consumer disputes this information sometimes the info is fixed but more times than not the dispute is left unresolved and at times when disputing these entries there is a text box within the dispute that only gives me a few XXXX characters to describe dispute which is no where long enough do describe all of the information that needs to be corrected.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, IL XXXX ( XXXX ) XXXX On or about XXXX XXXX, I received a structured settlement of approximately {$500000.00} On or about XXXX XXXX, XXXX, I opened XXXX checking and a savings account at First Merit Bank. I opened the account at the First Merit branch location located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Initially I put {$140000.00} and withdrew {$55000.00} leaving a balance of {$90000.00} in Account # XXXX XXXX XXXX. See attached Statement dated XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
I continued to make various deposits until XXXX XXXX. I believe I put in {$70000.00} additionally over the course of the years. In total, {$160000.00} was stolen from my account and is unaccounted for. 
In XXXX XXXX, XXXX, the teller, indicated that someone had closed my account without my consent. XXXX XXXX, Assistant Manager, asked if he could invest my money. I said no. I witnessed another customer crying because someone had taken {$20000.00} out of his account. XXXX indicated that he would investigate. He told me the investigation would take 3 months. I never heard back from him. But XXXX, surname unknown, a teller, later reported to me that XXXX bought a house in Florida and left the same week that my money went missing. XXXX reported that I was not the only customer whose money went missing. 
Over the years I have been complaining to employees at First Merit Bank. In XXXX XXXX, I complained to a person who said her name was XXXX surname unknown who indicated she was the Vice President of First Merit. She indicated that she would investigate. In XXXX XXXX, I went to First Merit, XXXX XXXX, Senior Client Champion, indicated that no one investigated my concerns over the years. 
I would like my {$160000.00} returned, and these allegations investigated. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I have my student loan serviced now through Navient. I have also submitted by complaint and concerns to Navient, but to no avail. Navient was responsible for the decline of my credit score and reporting information that was erroneous solely because of Navient dropping the ball. I faxed over my banking account information and called them repeatedly to ensure that my loan was being taken out of my account so that payments would be current. I did not find out until it was too late that they never took out the payments and that caused me to fall three months behind. I do not regularly check my checking balance, it is not necessary as I know what is taken out and keep a balance from falling below a certain level. I truly feel their not taking out the payment was done purposely and with intent to have this negative reporting. I sent them all the paperwork proving that they received the information. i spoke to numerous managers and staff to try and have this reversed. They are somehow " blaming '' the government for this, I do n't understand how that makes sense, but regardless, it was them dropping the ball on this. After the fax was received, I spoke to a customer rep who assured me they had it there and the payments were being taken out. 
Not only is this the only issue with Navient. I have been told not to make extra payments, I have been charged interest while on forbearance, they never looked into other options for me. 
This whole loan process has been a disaster and I called them asking for an audit of my account, and I was refused. Please help me figure this out and because of this negative credit reporting, I am unable to get credit cards, take out a mortgage or do anything credit related. Thank you.
Consumer complaint received 2023-02-07
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)

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these XXXX XXXX XXXX Balance : {$530000.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} will be corrected and updated.
Consumer complaint received 2015-09-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (TX)

On XX/XX/XXXX I voluntarily repossessed a vehicle with drive time. On XX/XX/XXXX that showed on my credit as a charge off for {$8900.00}. Drive time contacted me on several occasions asking me to settle the account, I declined. In XXXX XXXX drive time reported XXXX late payments XXXX, I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year XXXX Drive time again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. Drive time is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off XX/XX/XXXX. upload screen shots of said proof
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NY)

After receiving my credit card statement I had noticed a charge on there for a XXXX in Illinois. Since I have not left New York in years and no one has used my card except for me I was very confused by the charge. I had called Synchrony Bank ( Toys R Us Credit Card ) they had said they would investigate. I later received a letter in the mail stating that I must have traveled to Illinois and used my card there as there was a signature used with it and that it was not fraud?!? I also separately received a letter letting me know that my card number was probably leaked at XXXX and to be on the look out for fraudulent charges!!! In fact XXXX had called my son around the same time telling him that his entire XXXX card was cloned including the microchips on it! And the last place he had used it was the XXXX XXXX XXXX and XXXX, same as me! I called back into synchronicity bank where they proceeded to call me a liar that I must have traveled hundreds of miles or that someone I know must have. This is complete XXXX. I then had to have my son help me call back and with his help they reopened the case. But yet again I got another letter calling me a liar that I somehow drove XXXX of miles to Illinois to visit a XXXX. This company is a complete piece of XXXX! They claim to have fraud protection when they are a bunch of bullies calling me, a XXXX year old woman who needs to use XXXX a liar. I plan on writing to the XXXX, XXXX and XXXX news about this horrible credit card company if this is not resolved!
Consumer complaint received 2016-09-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: SYNCHRONY FINANCIAL (IL)

I have an account with Synchrony bank/JCP that was CLOSED and DISCHARGED through bankruptcy since XX/XX/2011.. I tried to contact Synchrony bank twice via letter to remove it from my credit report since it was already discharged but they refused to remove it.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (FL)

An air conditioner company requested we pre-apply for an interest free ( 1yr ) credit card to have an air conditioner installed. We applied and were approved. The air conditioner company incorrectly installed an air conditioner unit which took over three months. Once it passed township codes inspection the company failed to return to fix damage they caused and to fix a leak still on the air conditioner unit. The contractor charged the prepared credit card the full amount stating they tried to contact me to repair the damage they caused which was not true. The credit card company was advised and sided with the contractor refusing to only charge my account the balance minus repair work I paid another contractor to complete the job
Consumer complaint received 2016-02-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (LA)

This company sent me a credit refund balance from a credit i had on my Barclay credit card in the amount of {$360.00} on XXXX/XXXX/2016. When i received the check i called the number back on my card to make sure it was okay to cash it and the representative said she did n't see any stop payment on it so it was okay to cash it. So i mobile deposited into my XXXX XXXX account and the check came back unpaid and put my bank account in the negative which caused all types of problems and emotional distress. This is considered writing a hot check which is a crime and a felony no matter who you are.