davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

PNC Bank in late XX/XX/XXXX did a system conversion of their Home Equity existing loans. They changed account numbers and payment addresses. 

I made my normal principal and interest payment in XX/XX/XXXX, but PNC applied it incorrectly as a principal only payment. I suspect it is because they were in the middle of having to move payments over to the new account, but did not properly classify the payment. 

I called in early XX/XX/XXXX to tell them about this problem and to ask that the payment be classified as a regular payment. They promised that they would do so, but it appears they have made a bigger mess of the payment on my account. 

Now, I get a call from PNC debt collector team saying he sees no payment at all since XX/XX/XXXX. I can see more online on the pnc.com website than this PNC debt collector. It appear that the XX/XX/XXXX payment allocation is still screwed up. 

Now, when they get my XX/XX/XXXX payment shortly, I expect it to be as screwed up in processing. I also can no longer reach anyone at PNC call center as I suspect they are getting many other angry calls about how badly they screwed up their conversion process. 

I have been a 100 % on-time paying customer since I got this loan in XX/XX/XXXX. The fact that PNC has been so slow to fix the problem even after I proactively called and then allow their debt collector team to erroneously call customers is unacceptable.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

I have been trying to reach out to XXXX to close my checking and savings accounts for more than a week now via phone and email, but I just can not get a hold of anyone in their customer service. My initial contact was on XX/XX/2021 and I've been trying to follow up every day since. 

I have successfully withdrawn the entire balance from both accounts and they're now at {$0.00}, so there should be no issues closing either account.
Consumer complaint received 2021-11-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX dated XXXX, issued by XXXX XXXX XXXXXXXX, which recorded the XXXX XXXX XXXX  with the XXXX of XXXX XXXX. Chase now claims ownership but no documents were filed by XXXX, with the government recording agency. We are trying to ascertain the distribution and payment amounts, and close out the XXXX of XXXX. 

After we sent several letters to Chase we received a response several months later. By letter dated XXXX, Chase indicated : " ... the additional history that was requested is unattainable .... ''
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (IL)

I filed a dispute with TCF National Bank on XX/XX/2019 due to fraudulent charges on my account. Someone had hacked into my checking account and stole {$600.00}. They accessed the money via XXXX and charged my account {$20.00}, 30 separate times in total transactions. I filed a police report with the fraudulent charges as well. TCF National bank advised that the dispute was closed in my favor, and that they would credit my account the balance that was withdrawn from my account without consent. First, they advised that the funds would be restored to my account. Then they indicated that they had a new policy put in place and needed to send out an official bank check for the amount. I was advised on XX/XX/XXXX that a check was processed and sent and that I should receive it within 7-10 business days. I called on XX/XX/XXXX because I hadn't received a check as of that day, and then was advised that it was cut on XX/XX/2019 and it would take an additional 7-10 business days to be delivered. I called TCF customer today, XX/XX/2019, as I still have not received the check, and they advised that they do not have a date in which the check will be cut because they are being pushed back. I just want my money back that they advised they were going to send to me.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

I disputed a charge w/Chase Bank. It was a {$400.00} charge from XXXX XXXX XXXX and it was supposed to be refunded after my car rental was over. The charge was made on XX/XX/21. Chase sided with XXXX XXXX XXXX and claimed that XXXX already refunded my money on XX/XX/21. The problem is that there was never any such refund and, even the date they're telling me it was refunded is wrong. How could they refund me a day before the actual charge? I tried to get help from Chase for 5 hours yesterday. I am a XXXX person and I am emotionally fragile. I told them that many times. They openly ridiculed me and one employee even told me that she " can't make [ your ] eyes see ''. I am not XXXX and I could see fine. There was no refund EVER. Chase refused to reinstate my provisional credit and my bank account became overdrawn. I contacted them at least 2 dozen times for help. They refused to not charge me an overdraft fee. A manager in their Executive Offices told me that I had a choice - I could get the credit and have my account closed or I could not get the credit and keep my account. That's extortion. Then, she told me she would give me the credit, but is closing my accounts. They won't tell me why/when/how. I am no longer allowed to seek customer service with Chase. They are discriminating against a XXXX person, they took {$400.00} from me and when I asked for forgiveness on the overdraft fee, they refused.
Consumer complaint received 2020-05-07
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: CITIBANK, N.A. (MA)

XX/XX/29 found a {$350.00} unauthorized charge and immediately filed a dispute. So no action and called the dispute center and was assured they were working on it an I would receive a conditiona credit. In todays statement the is an indication the conditional credit was reversed. Received no communication this, and was initially there would no charge in this months statement. 
Unable to locate the company who initiate the charge to see what's going on
Consumer complaint received 2020-05-07
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (AL)

I had an account with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The account was closed several years ago, and the account was cleared. They posted to my credit that I'd owed {$430.00} for an equipment charge. I contact them regarding the posting, as I did not we this amount. XXXX confirmed by phone that there were no notes on the account about me owing any funds. I asked them to remove the item from my account, they said they could not. I contact the credit bureau to which it was referred, they too refused to remove it. 

In XX/XX/2017, I set up a new account as we had just moved, and they did not indicate that a balance was due on the account, so I was able to set up the new account with no problems. I closed the account around XXXX because of slower internet speeds than indicated and the fact that we had too many outages in which we could not use our service. I closed the account, with a small balance on account ( under {$100.00} ) which I'd made preparations to pay once I returned from medical leave. Upon checking my credit this month, They have since modified the OLD credit report account, making the new account date XX/XX/2017, the amount being the same. This is grossly incorrect and unprofessional. I am prepared to pay the funds due, but would like my account reported accurately.
Consumer complaint received 2020-05-07
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. (CA)

This is a Business alarm company that I never approved, The company now sold to a collection agency, It has it report on my XXXX AND EQUIFAX REPORT AND THIS IS WHAT IT SHOWS, I keep on disputing this incorrect information, and it keeps on coming back to my reports. PLEASE HELP! TO GET THIS RESOLVED AND REMOVED. 


General Account Info Report Number : XXXX Date Generated : XX/XX/2020 Account NameXXXX XXXX Account NumberXXXX Account TypeLease ResponsibilityIndividual Date XX/XX/XXXXStatusCreditor can not locate individual. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated0XX/XX/XXXX Balance {$5600.00} Balance XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$120.00} Original Balance {$7000.00} Highest Balance {$0.00} Terms60 Months
Consumer complaint received 2020-05-07
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. (TX)

Equifax and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-07
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. (IL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Consumer complaint received 2017-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MN)

On XX/XX/XXXX I took out a {$1000.00} loan with big picture loans.

On the XX/XX/XXXX I paid {$600.00} and a payment of {$390.00} was deducted by big picture loans. 

I thought I had paid back the {$1000.00} and was done with them. 

Unfortunately, on XX/XX/XXXX another {$390.00} was taken out of my bank account. 

I called and was told that I would get a refund of {$100.00}, because I still owed interest. 

I tried to check my balance online. I couldnt get into my account. Whenever I did manage to log in it said I owed XXXX dollars. Sometimes it said I owed {$96.00} or some other random amount. 

I would appreciate any help in resolving this problem and getting my money back. 

Thanks XXXX XXXX
Consumer complaint received 2019-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

On XX/XX/XXXX I consolidated my student loans valued at {$29000.00} with MyFedLoans for the purpose of being able to use the PLSF forgivness available to XXXX. I called in XX/XX/XXXXto my lender at the time about the program. I spoke to them multiple times. They always said, keep making payments, you are 'all good '. In XX/XX/XXXX I figured out that 'it was not all good ' and that NONE of the payments I was making would 'count ' toward the 120 payments needed for forgiveness. I was told by MyFedLoans that I was lied to by my previous lender, and that I would have to give up my low interest rate, consolidate with them, get a higher interest rate and continue making payments on a qualified plan. I was making payments around the {$250.00} range, my payment went down to {$210.00} with MyFedLoans. Even though my old payments were higher, they did not count as part of my 120  payments under PLSF because they were not to MyFedLoans. I have now paid since XX/XX/XXXXand I owe more now than I owed when I first consolidated with you. I chose to leave XXXX because I can not handle the mental stress. Even though I XXXX 10 years and made 12 years of payments, because I was lied to, misled, and mismanaged, I will never be able to get forgiveness under this program. My current number of qualifying payments are gone from my dashboard on MyFedLoans. My qualifying years of service forms from my employer were rejected many times with me having to submit multiple times? Myfedloans said the 'dates looked altered ' 'signature looked altered '. I had to have my XXXX fill them out multiple times every year and they are still not on the dashboard!
Consumer complaint received 2017-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

I sent a letter instructing Citibank to cancel my account # XXXX on XX/XX/XXXX, requesting that a physical check for the account funds ( approximately {$6000.00} ) be mailed to me. I sent several follow-up letters, but received no reply. Apparently, the account was actually closed, but Citibank did not send the funds to me -- instead, they say they marked it as " abandoned property '', and submitted it to the US Treasury. They did not inform me of this action ( despite having my email and phone number on file ), and I can not find any record of this with the US Treasury. I wish to have my funds located and returned to me by Citibank.
Consumer complaint received 2020-10-27
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: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2020 I received direct communication from Barclay 's for a {$20.00} statement credit on my XXXX XXXX XXXX Card if I were to make 3 orders for XXXX XXXX of any amount during the month of XXXX. I completed the terms on XX/XX/2020 with three separate purchases. The terms days the credit will post to eligible accounts 6-8 weeks after the end of the promotion ( XX/XX/2020 ). 

On XX/XX/2020 I contacted Barclay 's about this promotion not being honored, and was told that I did in fact complete the terms, and that a statement credit would post within 10 business days. 

On XX/XX/2020 I reached out again, and was told that I still had not received my credit due to " an issue with the bank ''. No timetable was given. 

On XX/XX/2020 I reached out again, further acknowledgement that I fulfilled the terms, but no timetable given as to when the statement credit would post. 

On XX/XX/2020, I called to inquire about this promotion which has now gone about two months past the end of when payment was promised. Still no timetable given.

I see no willingness on Barclay 's part to honor this promotion which is easily solved with a simple {$20.00} statement credit.
Consumer complaint received 2020-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I am in the process of applying for loan forgiveness through the Public Service Loan Forgiveness program. FedLoans has an incorrect payment count. I have all payment receipts, as well as bank statements indicating payment. I have requested a review through FedLoans with no response.
Consumer complaint received 2018-03-26
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. (IL)

XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$41.00} Asked reporting agency to validate debt by providing copies of original statements/ signed contracts. Company failed to provide such information but is still reporting this inaccurate information on my credit. They concluded in less than 2 days that the alleged accounts belong to me, without actually validating this information, which is negatively affecting my credit score. I am asking for this information to be removed/deleted off my credit report.
Consumer complaint received 2021-03-25
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. (NY)

I have been trying to close any XXXX XXXX XXXX account on my file and they just keep reporting more late payments and adding money to the balance. I do not have any accounts with XXXX XXXXXXXX and they are destroying my credit! I need this company stopped and banned from inquiring or placing any more fraudulent information on each and all my credit files. Per the FCRA, I require immediate removal of these accounts from each of the credit bureaus and any other associates to remove all this information immediately. They are just making up remarks and reporting them whenever they see fit, and creating enormous problems for my finances.
Consumer complaint received 2020-05-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (VA)

Lending Club continues to list and report my payment as late to credit reporting agencies, despite the fact that the initial error in receiving payment was their fault as acknowledged by their employees, and the recorded conversations that I have had with them, and their own internal records. I have called numerous times and asked to speak to a manager, I have requested that a manager contact me to no avail. Each time I call, the representative is typically too lazy to read the notes on the account before requesting payment on the account. Additionally, I have emailed and requested that a manager contact me to no avail. On at least three occasions Lending Club employees have advised me not to make a payment until this matter is resolved. I am ready to pay this entire amount that is owed and wish never to be bothered with this company again if this matter can be resolved. It should not be this hard given all the detailed records and recorded conversations for this to be resolved. Everything that I have stated can be verified by Lending Club 's records taken during conversations with their employees.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AXOS FINANCIAL, INC. (TX)

I received an email from Axos Bank on XX/XX/2022 that an account had been opened in my name. I had never heard of Axos Bank before and never opened an account with them. I called them immediately to report the issue and they informed me that they would research it. I called again on XX/XX/2022 and was informed that an account had been opened fraudulently using my information and had been closed. They were unable to provide me with additional information about how much of my personal information was used or how someone was able to open an account with zero verification from me. My name, personal email, and SSN was compromised without so much as a call back from Axos Bank. This identity theft was completely mishandled by Axos Bank. An account should never have been allowed to open with so little PII or verification. Additionally, my report should have been addressed in a timely manner.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Bloomingdales AMEX card : Attempting to close this card. Toward that goal, on XX/XX/XXXX I instructed my credit union to pay off the balance of {$68.00}. Bank records show the payment was made to AMEX on XX/XX/XXXX, six days prior to the beginning of the card 's next billing cycle. Next monthly statement I received showed the {$68.00} as " overdue '' and a new {$40.00} " late fee '' added by the company. I have disputed this and provided proof that the payment was made by the credit union on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX representing Bloomingdales AMEX with false claims that there is insufficient evidence of the XX/XX/XXXX balance transfer. Bloomingdales AMEX has acknowledged the balance transfer by deducting the {$68.00} but has kept the erroneous {$40.00} " late fee '' on my account. I have sent to XXXX XXXX by certified mail further proof provided to me by the credit union, attached here as well, that the {$68.00} was paid by the credit union on XX/XX/XXXX, and that Bloomingdales AMEX did NOTHING until XX/XX/XXXX, thereby creating the delay for which they now expect me to pay a late fee. I have demanded that this false information be removed from my account and that the account be closed ; so far the company has ignored me.