davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (AZ)

Sheffield Financial was a company that finances a trailer loan for a side business. It was for a business listed under an LLC in XXXX of 2019. Total amount of {$14000.00}. There was a charge off amount of {$7500.00}. Now past due of {$9300.00}. The company has been let go and out of business since XXXX of 2019. I have tried numerous times to get it disputed because the company is no longer is business. 

Please help!
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C. (UT)

I am being contacted by Gurstel Law who is a debt collector. They are saying that I owe a certain debt. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Gurstel Law is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MO)

I AM A VICTIM OF ID THEFT. A BANKRUPTCY IS REPORTING ON MY FILE AS A RESULT OF THE ID THEFT. LEXIS NEXIS AND XXXX ARE REPORTING IT. LEXIS NEXIS TOLD ME JUST TO SEND THEM THE POLICE REPORT AND THEY WOULD TAKE CARE OF IT. I DID SO AND NOW THEY ARE SAYING UP TO 90 DATS. EVEN THOUGH THE 45 DAY TIMEFRAME HAS EXPIRED. XXXX WERE SUPPOSE TO PROVIDE THEM WITH THE POLICE REPORT.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I applied for and was approved for financing through Syncrony Bank for XXXX XXXX. The terms, which have been verified with both the sleep number store and Sleep number customer service state that I should not be billed until 30 days after I recieve my bed. That date was XX/XX/XXXX. On XX/XX/XXXX, a bill was issued -- no dispute because that is correct, I recieved an alert from the credit bureau that my credit was over the limit. They have yet after 2 phone calls not explained why the amount charged is over the limit and why I have not been given the option to make a payment before alerting my credit of the over the limit amount that they can't explain, I have yet to recieve the bill issued on XX/XX/XXXX. The terms of the financing were 4 years interest free and then 5.99 % for the following 24 months. Synchrony bank also has 2 XXXX XXXX accounts reported on my credit report and there should only be 1. It states my credit utilization is 64 % which is also not correct as this is the only account with a balance and I have an XXXX credit limit between this and the only other revolving credit account I have which is also with Syncrony Bank. My credit score dropped 46 points today due to these issues of inaccurate reporting, I have asked them to correct the mistakes to no avail. Syncrony Bank disconnected the call the first time I contacted them at XXXX XXXX XX/XX/XXXX and the second time argued about what the promotional financing was and when I asked for a supervisor I was placed on hold for almost an hour. No one came back on the line to assist me or check in to let me know what was going on. Second call took place at XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2022, a check was processed for {$8000.00} by XXXX XXXX XXXX on a former checking account check # XXXX that has been closed for over 14 years. I have reported it to my local police and it is still under investigation. I just received a notice that another check in the amount of {$1000.00} for XXXX XXXX check # XXXX by a debt collector. I contacted Wells Fargo in person, over the phone and via email informing them that there is a check that was fraudulently processed and my former name 's signature was forged. I only know of these two checks however, the thieves have multiple books of checks that were stolen from my former home. My request is to flag the stolen checks that were drawn on XXXX XXXX XXXX. at each bank and processing center. If the check is received at a branch, an email can be sent to every branch or processing center to alert and possibly close the tracks on the thieves that are stealing from the small businesses that choose to not be more proactive by using a check verification system. My father and countless others have been victimized by this type of checking fraud. A simple email will alert the branches and merchants that this check should not be processed. I don't know how many more checks the criminals will try to process before the are apprehended. We need immediate help. Will you?
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting XXXX account # XXXXXXXX XXXX account # 's XXXX and XXXX, XXXX 's account # XXXX, XXXX  Credit account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX have violated my rights. 

15. U.S.C 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 602A, Section 2. It also states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (FL)

Dear Sirs : My credit card company is charge me every month doubled the payments We are in pandemic situation I pay every month but this people are brutal very unfair Businesses practices, I call several times to dispute the charges but not one can not help me, ask them for a replacement of my card but nothing yet, I dispute a charge was clone card and they never help me. 
How you can help me.? 
Thank you.
Consumer complaint received 2020-09-17
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 disputed a collection account on my report because it didn't belong to me. I have received the validation of debt letter from the company and neither the name or address belong to me on the bill provided. Please remove this incorrect information from my credit report.
Consumer complaint received 2021-02-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (GA)

this debt is about 6 years old I was never notified of the debt never call me or sent a letter and I get a summon to appear in court about the debt in the state of Georgia they have 2 years from there to file or contact me and thing didn't and this is a violation of Georgia law and they not have my signature on anything no contract or paper of debt this debt is not to validate and it was not sent by XXXX county police this is not my name on the paperwork.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

On XX/XX/2022, I XXXX XXXX, a real person, called Equifax. I was directed to the their XXXX XXXX. I expressed they were reporting inaccurate information on my credit profile. The dispute was regarding my credit card from XXXX  XXXX XXXX. The account # XXXX for the late payments. She gave me the confirmation for this dispute as # XXXX. XXXX XXXX stated I had been late in the past on my car payments and that she could proceed with the dispute but it will not guarantee it will be removed. Well I am now aware of my rights and this is a clear violation under the FCRA, under 15 U.S. Code 1666b ( a ). This law states : Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor ( ME ) has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. A credit card is defined under 15 U.S. Code 1681a means ANY CARD, PLATE, COUPON BOOK, or either credit device existing for the purpose of obtaining money, property, labor, or services on credit. I had to give my SOCIAL SECURITY CARD to proceed with this extension of credit, which is a CARD in fact. Please remove this inaccurate information as it it damaging my credit worthiness to lenders, as I am in the process of purchasing a home. If this is not removed, I will seek remedy under 15 USC 1681n for damaging my credit profile. We all know what I can sue for so just delete the items. I would also like a letter stating it was deleted and it be sent to the correspondences to email : XXXX.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I have noticed I have Inquires that I did not authorize reporting on my private and personal credit profile about me which are unauthorized and fraudulently reporting on my file. I was very upset and highly upset about this. My information may also have been impacted by the equifax data breach and XXXX have got into the hands of the wrong person. I filed a Police report and I filed a Complaint with the Federal Trade Commission about this serious matter.
Consumer complaint received 2021-07-07
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. (UT)

I have sent out disputes to the bureaus and I have received no letters or calls or anything from them. I have inaccurate items reporting on my file that need to be removed. I will upload the most recent letters I sent but there have been others. Please fix immediatley.
Consumer complaint received 2019-04-13
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. (NC)

US Department of Education is reporting on my Equifax credit file ; as it has been sold to XXXX XXXX. This Is showing up as a duplicate student loan. I have already tried to get this removed several times. Its also falsely reporting a monthly payment. I have checked under studentaid.gov to confirm my student loans and they are not listed. This needs to be removed from my credit file. When trying to locate them in your system ; they are not even listed as a student loan company.
Consumer complaint received 2019-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION (VA)

From XX/XX/2017 to XX/XX/2017, I worked for a company and started a High Deductible Health Plan which included an HSA managed by BB & T Bank. I received a card in the mail and made contributions through my paycheck. I switched jobs and moved to another company, and thus switched insurance plans and was no longer contributing to the HSA account. 

By the time I left the job, I had the card but did not have documentation on setting up an online account. I also was sent a letter informing me that there would be a maintenance fee for inactivity because I wouldn't be contributing. 

To close and roll the funds over to my current HSA, I need information such as the full account number, HSA custodian name and address so the current HSA can coordinate the funds transfer. 

In XX/XX/2017, I called the number on the back of my HSA debit card ( XXXX ). They tried to locate the info, and with no luck, and after some time, I was told to call a different number ( XXXX ). I called that number, and they tried to locate the info, and with no luck, suggested I call a different number, which was the first number I called on the back of my debit card. Basically I was being referred in a circle. 

In XX/XX/2017, I went to a BB & T branch, hoping my physical presence would help get the info. A helpful employee tried to look up in their systems with no luck, and then tried calling the same two numbers I had called myself, with each referring to the other. While this was humorous, it did not bring me closure to getting my money back. 

I don't know what else to do to get the information to close this account and transfer the funds to my current HSA. I fear that a substantial amount of money is now gone due to those maintenance fees when I attempted to close the account multiple times some time ago. 

The inability to access this info prevented me from closing the account and likely has resulted in maintenance fees being charged to the account.
Consumer complaint received 2019-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IN)

I use an online merchant to make purchases using my PNC Bank debit card associated with my savings checking account ... Immediately upon making the transaction on the site, it is recorded by the merchant and also appears on my PNC Bank online account in the pending transactions and the amount is removed from my balance ... I may make many such transactions in the same time period using the same debit card and with the same merchant ... All such charges initially appear on my PNC Bank online account and alerts are generated by my PNC online Banking account and I also receive both a text message to my phone and an email verifying each of these purchases almost instantaneously ... then some time later without my prior knowledge or consent PNC Bank arbitrarily removes some of the charges and adds the amount back into my account balance and the charges completely disappear from my account ... NOT even showing as pending and then sometime between three days to one week later the charges begin to arbitrarily reappear in the posted category and again are removed from my balance ... I have contacted PNC Bank customer service three times and the initial explanation given was PNC Bank contacts the merchant to verify that I made the charges and that merchant billed me for the charges ... I also directly contacted the merchant business and billing department in between the contacts with PNC Bank.. The merchant told me that they never verify charges with PNC or any bank ever ... I have spoken to PNC Executive Client Relations ... at no time did anyone from PNC Bank deny manipulating my account by removing legitimate charges without my prior knowledge or consent. The only solution offered by PNC Bank was that I am free to choose any other financial institution ... I only request that PNC Bank stop manipulating my online bank account by removing legitimate charges under false pretenses and with out my prior knowledge or consent..I have previously sent this complaint to the Office Of The Attorney General of the State of Indiana and received a letter stating the complaint had been forwarded to the CFPB ... when i contacted CFPB the representative could find no such complaint or information from the Indiana Attorney General ??? I believe this is a scam to enable PNC Bank to charge overdraft fees ... my opinion Thank you XXXX XXXX XXXX
Consumer complaint received 2020-06-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I need to file a complaint. Bank of america master card. I contacted them them on XX/XX/XXXX to dispute for a charge that was made on XX/XX/XXXX for XXXX.this was an ongoing services from XXXX XXXX . An education that I had never received, they guarantee for me to get my money back. This company is been shut down by the FTC. I paid for this training and paid off the credit card as well. They credited my account and took the credit back, so i contacted them on XX/XX/XXXX and told me to send the paper work with instructions. so i deed but next day they send me a letter saying that they needed to the exactly amount of the charge but the exactly amount they have it is XXXX. 
i have send everything they ask for it. and they deny it on XX/XX/XXXX after i talk to them.
Consumer complaint received 2020-06-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: OneMain Finance Corporation (VA)

I applied for a loan online, and received a call from a rep of One Main in  XXXX, VA. He told me that I qualified for a {$15000.00} loan and only needed a few items of documentation. I sent the items, he told me that I was approved. I called my current finance company to tell them that I was paying off the loan only to get an additional call from One Main telling me AFTER they told me that I was approved, that they could not offer me the loan after all because their computer program denied me. That's put me at an inconvenience and also, my current company thinks that I told them a falsehood. My complaint is that this company promises what they can not deliver. They bait and switch. They promise that they have you approved, then they switch their minds. When i told them of my disgust, they said that they were sorry for the miscommunication. It was not miscommunication. I told them of my credit problems up front and was promised that I had a loan only to find out at the very end that they could not perform. They have vital info of mine, and should not have that knowing that they could not do the loan.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (CA)

Visa Card ending in XXXX, XXXX Statement included a 0 % balance transfer check through XX/XX/2020 with a 4 % fee, Credit Line listed on statement was {$25000.00}. Paid {$1.00} balance in full on credit card, On wells Fargo website listed Credit Line {$25000.00}, Available Credit {$25000.00}. Submitted Balance transfer for {$24000.00}. {$24000.00} posted to account, Transaction Fee of {$960.00} posted to account, Account balance {$25000.00}. Received message " Your account is over the credit limit, {$7100.00} due NOW '' Checked on website and credit limit now shows {$18000.00}. It is illegal to offer a balance transfer rate and then immediately lower the credit line with the sole purpose of inducing a fee. I contacted Wells Fargo through secure email and received a generic reply which did not attempt to address the problem.
Consumer complaint received 2019-04-15
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: EQUIFAX, INC. (TX)

I recently sent a letter to Equifax asking them how they verified 2 accounts that are on my report XXXX XXXX and XXXX XXXX XXXX. Equifax stated in their response that the account with XXXX XXXX was updated but noting was mentioned about XXXX XXXX. The letter was received by Equifax on XX/XX/2019. I did not receive a response until XX/XX/2019. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you method of verification within 15 days of your request. That is well beyond the 15 days allowed. Additionally, I received a letter from XXXX XXXX XXXX   dated XX/XX/2019 and received by me on XX/XX/2019 stating that THEY HAVE NO SIGNED CONTRACT. In the second paragraph of the attached files. So AGAIN I ask Equifax how did you verify/conduct a reasonable investigation the account with XXXX XXXX XXXX  if you have NO signed documents to substantiate the account?
Consumer complaint received 2019-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

XXXX and XXXX closed my account without notifying me by any way of communication. I found out because XXXX XXXX alerted me. When I called XXXX and XXXX they said that they closed it after looking at my credit report and not liking what they saw. My balance owed to XXXX and XXXX was {$0.00} and I had never been late making a payment and ALWAYS paid over the minimum due by at least a double amount. My credit limit with them also was {$4000.00} and I use the card on a regular basis and always pay my balance off very quickly. I think maybe they closed it because they weren't making enough money off of interest on my account.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

I tried calling my bank about my checking account over 4 times int the course 4 days but they would not contact me in order to help me reopen my account after being suspended I need to pay my bills and my check just got put through and for some reason this bank has failed to contact me about my account 's status.