davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY (NY)

I attempted several times over the last several years to have TD Bank, NA provide monthly statements online and by mail which neither happened. I called last week on XX/XX/XXXX to again request statements to obtain documentation for a scheduled upcoming closing that my attorney requested in preparation for closing. I again followed up later that week and was told for the FIRST time that their bankruptcy department needed documents supporting that my XXXX  XXXX final discharge was on file with the bank. I stated that they were listed as a creditor and the court notified the bank of my final discharge date of XX/XX/XXXX. At that time, I emailed and faxed copies to the bankruptcy department confirming the final court discharge date. As of today, XX/XX/XXXX, I still have not heard from ANYONE from TD Bank regarding updates to receiving monthly statements.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (CA)

I believe the account is invalid. ONE MAIN FINANCIAL ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records.ONEMAIN XXXX.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

My problem with PayPal Credit / Synchrony started in XX/XX/XXXX. I contacted them, and asked for a clear statement of charges because their statements are confusing and only list deferred interest for the promotion. 
On XX/XX/XXXX statement, I contacted via the chat function on PayPal and spoke to a representative in the name of XXXX XXXX and asked them why the minimum payment is {$970.00}, of which promotional balance was in the amount of {$100.00} and {$270.00}. He then informed me there is a non promotional balance in the amount of {$590.00}. Please note this is not reflected anywhere in the statement. I kept asking for the breakdown of this {$590.00}, and they finally said it was for a cash advance of {$290.00} made on XX/XX/XXXX to XXXX and another Cash advance charge in the amount of {$210.00} made on XX/XX/XXXX to XXXX and proceeded to say these are not considered interest free promotions. However, both these purchases are on the deferred interest purchase program las part of the promotion they never explained to me why these were considered cash advances. These charges are still on my list as deferred purchases. After all this, I still did not receive a clear break down of the {$590.00}. I paid {$1000.00} to the credit card bill. 
This month, XX/XX/XXXX statement, I contacted them today to ask why again my payment for the next month is {$1000.00}. The customer representative in chat, named XXXX XXXX XXXX, said I have {$470.00} in expiring promotions and then once again {$590.00} in non-promotional balance. When I asked again, for a break down of the non-promotional balance for {$590.00}, XXXX could not answer me because she/he was unable to figure out the non-promotional balance and it needs to be investigated. I refuse to pay {$1000.00} without getting a clear breakdown of exactly what I am being charged for and why. 
The statements presented to me are unclear of what I am being charged for and I think Paypal Credit and Synchrony need to be investigated for predatory credit practices.
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: PNC Bank N.A. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PNC Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Dear PNC Bank, I am writing to dispute inaccurate information regarding an auto loan that is currently listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), Section XXXX, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX ] - **Creditor** : PNC Bank - XXXX of XXXX XXXX XXXX Auto Loan Information Upon reviewing my credit report, I found that the above-referenced auto loan account contains incorrect information. Specifically, [ explain the discrepancy, such as incorrect payment history, inaccurate balance, incorrect account status, etc. ] In compliance with the FCRA, I request that you investigate this matter and remove or correct the inaccurate information regarding this auto loan on my credit report. Please complete this investigation within the required XXXX period and provide me with the results of your investigation. 

Additionally, I ask that you notify the creditor of my dispute and ensure that they cease reporting the inaccurate information. Under the FCRA, it is required that all information reported to credit bureaus is accurate and verifiable. 

For your reference, my personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. Please confirm once the correction has been made. If you require any additional information, please contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (CO)

The account is in the name of the trust. The owner died XXXX XX/XX/year> and I am the successor trustee. The current trustee. I have been trying to get control of the account since XXXX and it seems that there is a problem with legal review that the legal team at PNC is unable to resolve. The local representative has been responsive and resubmits paper, death certificates, to legal for review. What does the legal team need to turn over control of the account to the current trustee? It is now XXXX, 2 months later.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I recently received an offer from Capital One for a new credit card that advertised a 0 % APR on both purchases and balance transfers. Understanding that terms might change upon approval, I proceeded with the application. 

After my application was approved, I received an email from Capital One confirming the approval of my credit card with a credit limit of {$10000.00}. The email also included the following terms : A 0 % introductory APR on purchases and balance transfers for 9 months A 29.99 % variable APR after the 9-month introductory period However, upon reviewing the official documents and checking the terms in my Capital One app, I discovered that the 0 % APR for balance transfers was not honored. Despite the approval email clearly stating that both purchases and balance transfers would have a 0 % introductory APR for 9 months, my actual account terms do not reflect this offer. 

I contacted Capital One to address this discrepancy, and they escalated the case. However, even after the escalation, they have not honored the terms stated in the approval email. This inconsistency between the initial offer, the approval email, and the final terms has caused significant confusion and frustration.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MI)

My account ( PNC Checking ) had XXXX $ XXXX XXXX XXXX XXXX  ) withdrawn from it on two separate occasions both werent authorized and both were disputed one was refunded one wasnt. After speaking to XXXX XXXX Executive Client Relations Specialist at PNC bank She told me the disputed transaction was verified at the ATM with the PIN number upon withdrawal using my debit card. 
I have documentation of polices reports concerning the matter and was informed the RFID signal, PIN number and magnetic swipe can all be replicated by criminals. Upon explaining this to XXXX XXXX this morning ( Monday, XX/XX/year> ) she mundanely expressed it was nothing she could do for me even though my money had standard FDIC insurance in my checking account.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (OH)

I have filed the same report several times. Nothing is ever done. All of the notes are on my file. 
Basically on XX/XX/XXXX of XXXX I came in and took {$3000.00} off my line of credit. 
In XXXX, Bank from Pnc called me set up a review not once but twice. I miss both of those appointments and the next time I went to use my line of credit in XX/XX/XXXX it was closed. According to PNC, PNC closed it on XX/XX/XXXX. So why would a personal banker be calling me and scheduling reviews for me when I have no other services with Pnc except for a line of credit which, according to you guys was closed in XXXX???????????? I have the emails from the personal banker. After filing XXXX report, PNC Is being dishonest by saying that my credit score dropped in XX/XX/XXXX. But it didnt. I pulled my credit from XX/XX/XXXX, so Pnc is being dishonest. I have all of the documents and I have filed every time I filed these reports and nothing is ever done!!!!! Pnc wants me to submit all of my information into a department that doesnt have anyone that works there. Why would I submit paperwork to a reinstatement office when my credit score is lower than when you closed my HELOC bc my credit SCORE DROPPED XXXX POINTS When Pnc closed my line of credit abruptly and for no reason
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

Account # XXXX I ask that this company submit the original wet ink note with signature and a copy of the original creditor on the 1099-C. The note holder or the equitable title owner are the only positions who should receive payment.

If the contracts that was signed was taken to be collateralized wouldnt the debit/ credit books balance each other according to Proclamation 2039 Banking Holiday by Congress and Franklin D. Roosevelt in 1933?

Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (OK)

I am writing to formally request the removal of an unauthorized inquiry from my XXXX credit report. This inquiry was conducted without my consent, and I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( a ) ( 2 ). 

Details of the Unauthorized Inquiry : Company Name : Navy Federal Credit Union Date of Inquiry : XX/XX/year> Credit Reporting Agency : XXXX XXXX XXXX for the Request : Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report if it is " in accordance with the written instructions of the consumer to whom it relates. '' I have not provided any written instructions or consent for [ Name of the Company ] to conduct a credit inquiry on my XXXX report. This unauthorized inquiry is a clear violation of my rights under the FCRA. 

Additionally, 15 U.S.C. 1681c ( a ) ( 1 ) states that inaccurate or unverifiable information must be removed from a consumer report. As the inquiry was neither authorized by me nor conducted for a legitimate purpose, it qualifies as erroneous information and should be removed immediately. 

Impact of the Unauthorized Inquiry : The presence of this unauthorized inquiry has negatively impacted my credit score and overall creditworthiness. It reflects inaccurate and misleading information on my credit report, which can hinder my ability to secure credit and other financial services. 

Requested Action : I am requesting that the CFPB investigate this unauthorized inquiry and ensure its prompt removal from my XXXX credit report. This action will help to correct the inaccuracy on my report and prevent any further adverse effects on my financial standing.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to address an issue concerning an account listed on my credit report. The account in question, XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX. XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information, including [ describe any specific inaccuracies, such as incorrect balance, payment history discrepancies, or disputed charges ]. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve this matter.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Consumer complaint received 2024-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC (TX)

When I closed on my home on XX/XX/XXXX the total amount that I went into contract with UMW and what was listed on the closing documents and I had agreed to pay for my mortgage was {$2800.00}. After the loan was secured and paid the company this agreed amount, UMW unexpectedly increased my mortgage payments to {$3000.00} with the explanation of an " estimated tax analysis '' and did not provide me a fair opportunity to discuss arrangements to keep the monthly mortgage to what had been agreed upon on the closing documents despite me advising that I applied and was approved for Homestead exemption and their projection of tax analysis is not a fair position to increase my mortgage amount. 

Secondly, I was sadly laid off from my job in XX/XX/XXXX, I am Single with only unemployment benefits of {$2000.00} a month to cover my expenses. I paid XXXX 's mortgage payment and spoke to several UMW representatives to advise of my current financial hardship situation to come up with a plan for XXXX 's payment. No financial assistance options were offered as other financial institutions have. UMW advised that once I allow the loan to become default that they can look into increasing the monthly mortgage payments to see if I can catch up. This seems unreasonable and an unfair practice.
Consumer complaint received 2024-06-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I have an unfair interest rate based on my verifiable income, high interest rate, length of time with the credit union, agreement for automatic payments, and 100 % on-time payment history.
Consumer complaint received 2024-06-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FULTON FINANCIAL CORPORATION (NJ)

in XXXX i was in foreclosure proceedings and they would not negotiate the 2nd mortgage. I ended up brining the first mortgage current. Then called Fulton to work on paying 2nd mortgage. They advised me it was charged off. Eighteen months later I was contacted by a attorney representing Fulton demanding payment. I entered agreement to make payments. Since that time Fulton has not been posting payments correctly and causing me to incur % on principal balance unnecessary. In XXXX they held 12 mths of payments and did not credit correctly- resulting into me incurring unnecessary interest charges on the principal balance. Now they are running months behind cashing my check and crediting my account. Each month interest is incurred off the principal balance. Their neglect to credit my account timely results in unnecessary excessive interest. I have written them numerus times. They did correct the non credit amount in XXXX- but DID NOT audit my account to credit me the unnecessary interest charges. The attorney will not even respond in timely manner- i have to demand filing a complaint. This is violation of ethics and is causing me monetary damage. I am a senior citizen and being treated unfairly. I have made payments on this account since XXXX and it still has the same balance due to their mistakes. Noone cares
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Skrill USA, Inc. (MO)

The company contacted me to say I had a past-due balance, although they would not state to what company the amount was owed. I requested a copy of any invoice or contract. The documentation they provided was a contract for credit card processing services for my business, however, neither company on the form handles my payment processing. I have no business relationship with either business on the form. They also provided invoices from a processing company which show no transactions occurred with this company, thus the company did not process any transactions for my business. 

The contract is dated XX/XX/year>, which is significant in that I had just experienced check check fraud prior to that date. A check was stolen, washed, and someone attempted to deposit it fraudulently. The contract provided by XXXX XXXX has the same bank account number as the stolen check, however, I had closed this account a couple of weeks prior to the contract, due to the fraud ( at the bank 's request ). If I were truly signing a contract for new credit card processing services, wouldn't I use my new, current bank account number? Further, the signature on the contract is not mine and looks to be a poorly attempted forgery. I did not complete or sign this contract, it is a complete fraud.