davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

Hello, I got notice that XXXX XXXX they closed account that I called to have closed because they continued to let money go out of it and charge me after draft fee 's over and over. Like XXXX every two weeks. So, I opened another account, and they left stuff come out anyway of a tune of XXXX plus. So, before they closed it, I was putting in money again to bring it to a positive and took my direct deposit off that account. So well and behold 3 checks came in and they rejected 1 of them and opened the account to bring in a check for XXXX and an XXXX something waited over 21 days and sent me a check for what was left over for the amount of XXXX and charged me for more overdraft charges. Instead of sending all the checks back and let me pay them accordingly without overdraft more charges. They are horrible to deal with held my checks for 7 to 10 days then held the check they cut me for 7 to 10 days. They need to be shut down for their shady business.
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (FL)

XX/XX/year>2024 I received an email around XXXX XXXX  that my card was activated following that email came in several account alerts that my cards were being used at several different merchants. With that being said, I had never use the cards and they were in my safe with the stickers on them and never activated the day all this happened upgrade went through a merger and another bank took over the accounts so I feel this fraud could be an inside job. I tried to log into my Upgrade account and I got a message that said Access denied. I then called upgrade and spoke to a representative and as I was on the phone with her, I was able to log into my account and confirm that the activity that was pending was fraudulent I was told to wait until the transactions posted and I could dispute them. I mentioned to the representative that I have never used this account in the manner of swiping the card as a line of credit. If I needed funds, I would just advance it into a checking account and use them that way. The agent assured me that they would do a full investigation on this claim, I received an email a couple days after the claim was filed that my claim was denied. I called back Upgrade and requested my claim to be reviewed and it was reopened, but not without a battle. I supplied a police report and a written statement that I was willing to prosecute whoever made these fraudulent transactions. I then received an email on XX/XX/year>2024 that the claim once again was denied I asked them to explain to me why as I did not make these transactions and the agent told me because there was no fraud pattern. I then asked to be transferred to a XXXX that told me there was nothing else she could do. The claim could not be reopened again, and it was denied. This type of treatment is unfair as I did not make these transactions and I should not have to pay for something I did not do as I am a victim of fraud. u Upgrade should do a chargeback to the companies that the fraudster used my card. I feel Upgrade did not do their due diligence and request information and surveillance from the merchants to support my statement that I did not make these transactions. Times are tough and money is tight and upgrade just does not care about their clients and does not do a thorough investigation to be able to come to the resolution of this fraud and see that these transactions were not done by me. As the client, you can not even speak to the dispute, chargeback fraud team, you have to speak to a Customer service agent who puts you on hold while they communicate with the fraud team. I will be seeking legal representation as this is not right. I feel like they labeled me as a liar and that they feel I did these transactions. The verbiage they used is no fraud pattern
Consumer complaint received 2024-06-25
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. (PA)

I am writing to dispute an unauthorized inquiry on my credit report. In accordance with 15 U.S.C. 1681b of the Fair Credit Reporting Act, I am requesting that [ XXXX ] investigate and remove this inquiry from my credit report. 
I have recently reviewed my credit report and noticed an inquiry from XXXX XXXX XXXX XXXX ] dated [ XX/XX/year> ]. I want to clearly state that I did not provide written consent for [ XXXX XXXX XXXX ] to access my credit information or to perform any inquiry.
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (TN)

In the year of XXXX I decided to purchase my first car. I was XXXX at the time and a college student that lived XXXX hours away from home and really needed a car for school. I came up on these people called American Car Center and saw that they were willing to accept people without having to really dive into credit, which at the time sounded good for me because i was just starting my credit and it was not where it should be to purchase a car and it resulted to a lot of people turning me away because of that! I finally found a car that fit me at the time and it was a XXXX XXXX XXXX XXXX for XXXX but they started to upcharge and add many fees and it ended up totaling to XXXX which was a terrible deal that i noticed farther down the line. The company ended up going Bankrupt and closing down the year after i received my car and was bought by Westlake Portfolios which is a company that is bad with responding and bad with communication and providing proof documents.I have been in a situation where i was told one thing and what was said in the calls was never documented or sent over to my email as they always say that they are going to do and this has resulted in getting my car snatched before and as i looked into the company i have found that it has happened to more people like me hence the XXXX star rating. I really want to get out of this deal and into a more spacious car but i can't because everytime i contact the refinancing center for them they never answer me and I am constantly repairing this car every week almost and have been ever since i got the car and it is so frustrating because i am a full time busy car student and i have this high XXXX car that is not worth it hanging over my head.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (NC)

CREDIT MANAGEMENT LP is falsely reporting on my credit. 
I have never had any accounts with them. Per my research CREDIT MANAGEMENT LP is a debt collector. They are falsely reporting to my credit! Account XXXX XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! 
( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( XXXX ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than XXXX days after the date on which the report was first requested I request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature with CREDIT MANAGEMENT LP. 
Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. I will also be seeking {$1000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of 15 U.S.C 1692g I further remind you that, as in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (IL)

I had a XXXX XXXX, XXXX appointment with XXXX XXXX in XXXX Illinois XX/XX/year>. The representative presented a bill for the services rendered that day, tooth brush, and mouth guard and future follow-up care. I opted out of the toothbrush, mouthguard and future appointments and paid for the services in full to that date. I told her I was not coming back and confirmed I was paid to date. 
However, I still got reminder calls for appointments I never set and continue to get a {$350.00} bill for services that I never received. I called to speak with this representative and she hung up on me.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I would like to clarify that I, XXXX XXXX, did not authorize any inquiries or applications for credit with Toyota Motor Credit Corporation, nor did I provide consent for the use of my personal information in such a manner to anyone or other party on my behalf. It is concerning to me that my personal information was used without my consent, and I would like to address this matter promptly. Furthermore, I dispute the accuracy of your statement that I initiated an application on XX/XX/XXXX, as I have no record or recollection of such an action. I did not conduct any purported verification process or conversations with your agents regarding this application, and I deny providing any personal information for this purpose. Your inquiry on my credit profile is fraudulent. Please provide me with any documentation that support your assertion that I initiated an application or provided consent for the use of my personal information. Additionally, I request that you cease any further inquiries or use of my personal information without my explicit consent. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character I am requesting proof of authorization submitted by myself to the company Toyota Motor Credit Corporation giving them permission to legally report on my credit profile. Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX, and other applicable laws. From my records, I have not given them permission to do so. They are reporting information to the credit bureaus and public records without my authorization. I've mailed them XX/XX/XXXX requesting this information to be returned within 30 days and have not received any letter via mail as requested back. Under the FRCA, they are required to do so and have not done so. As a result, I am requesting they remove the information provided to them illegally from their records and to companies as it is unauthorized by law. 
I will take further action if necessary to protect my rights and interests in this matter. I look forward to your prompt response and resolution of this dispute. Thank you for your attention to this matter.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I had an unauthorized transaction on my Charles Schwab debit card where it was fraudulently used online at XXXX. The bank claims that because it is a debit card, it will take 90 days to complete the investigation, unlike credit cards, which typically take only XXXX weeks. This situation makes me very apprehensive about keeping my money at Charles Schwab, as the bank has not fulfilled its duty to protect my finances. 

Fraud Date : XX/XX/year> Amount : {$370.00} XXXX  My call to XXXXXXXX XXXX : XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Complaint XXXX The inquiries below were made without my permission or knowledge, and I believe they are negatively impacting my credit score. 

This is the list of the inquiries that I am disputing : Inquiry by XXXX XXXX on XX/XX/2023 - EQUIFAX Inquiry by XXXX XXXX on XXXX XXXX- EQUIFAX I have made several attempts to contact the companies responsible for these inquiries, but they have been unresponsive and have not provided me with any information about why they made the inquiries or whether they have any legitimate reason for doing so. 

I have also tried to dispute these inquiries with the credit reporting agencies, but they have not been able to provide me with a satisfactory explanation for why these inquiries remain on my credit report. 

I believe that these inquiries are unjustified and have no legitimate reason for being on my credit report. They have caused me significant stress and financial hardship, as they have affected my ability to obtain credit and have lowered my credit score. 

I am therefore requesting that the CFPB investigate this matter and take action to remove these inquiries from my credit report. I believe that this action is necessary to protect my rights and ensure that my credit report accurately reflects my creditworthiness.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NJ)

XXXX ( beauty company ) conned me into a " trial package '' for a certain type of treatment in XXXX of this year ( 2024 ). I was told I was registering for a " payment plan '', and was never once charged, and never once gave the company ( XXXX ) any payment information. I was promised that if I enjoyed the first visit, I would be able to pay the " payment plan '' on a monthly basis. I then did more research, and learned that this company frequently scammed people, and did not want to visit. I cancelled my appointment both on the phone, and via email with multiple representatives. Two months go by, and I notice that my credit score had gone down XXXX points! I soon figured out that XXXX had used a credit card company to open up an account to charge $ XXXX under my credit, in my name. I then urgently contacted every single person and company I needed to, including all 3 credit unions via disputes on their websites and physically sent in evidence that the account was opened fraudelently. I got confirmation from the representative from XXXX that I had intitially spoken to that there was a " miscommunication '' and that she would be alerting XXXX to close my account. I spoke on the phone with XXXX to set up a dispute. I got a letter in the mail the other day stating it could take up to 90 days to resolve the dispuite. XXXX has settled my dispute but only partially, and I am still seeing a {$74.00} balance on the account. I defintiely need to make sure my credit score reflects what it used to be, ASAP. Via the XXXX dispute results, I was directed to create a report here. Please advise! I would love all the help I can get, here. It's been a headache! 

Thank you in advance. 


Best, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC. (GA)

On XX/XX/2024 I sent a letter to CAINE & WEINER for Validation for a account they posted on my credit report. I gave them XXXX  days to provide me with the documentation they have for this account. Which they failed to today is XX/XX/2024 which is past XXXX   days so this account should be deleted off my credit report. 


ATTACHED WILL BE THE LETTER I SENT TO THEM
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items belong to me. The Credit Bureaus have failed to send me copies of documents I have been asking from them. I have also sent dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Complaint Regarding Unfair Account Closure - Synchrony Bank Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint against Synchrony Bank for the unfair closure of my credit card account ending in [ last XXXX digits of account number ]. 

Background : I opened this account in 2022 and have consistently made all payments on time. 
I have never missed a payment on any of my Synchrony Bank accounts, including this one. 
I have an automated payment set up for this account. 
Recently, my salary has increased to {$120000.00} annually. 
Issue : I recently discovered that Synchrony Bank closed my account without prior notification. 
When I contacted customer service, they informed me a closure letter was sent, but I never received it. 
Impact : This unexpected closure is concerning for several reasons : It potentially damages my credit score despite my history of on-time payments. 
I am unsure of the reason for the closure without receiving proper notification. 
Request : I kindly request the CFPB to investigate this matter and urge Synchrony Bank to : Reopen my account if possible. 
Provide a clear explanation for the closure, considering my positive payment history. 
Advise on any steps I can take to minimize the potential damage to my credit score. 
I have attached copies of my recent statements for this account ( if applicable ) as evidence of my on-time payment history. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

A transfer was made from my father 's Estate 's Brokerage account into my bank account for around {$16000.00}. 

Shortly thereafter, my account was blocked. 

Originally I'd called and asked Capital One why my account was locked, as per instructions online. I called several times the XXXX  I gave information as to the origin of the money, which was from the brokerage account. This was not the XXXX  time I'd transferred money from said account, either. 

During this call, the lady on the phone told me that Capital One would no longer be doing business with me and that my money would be mailed to me via check or send via XXXX transfer and that my accounts would be closed. This was not an issue. A bit disappointing, of course, but it wasn't a huge concern. 

After not hearing back for a few days, I'd called back again, where I was told my account was under investigation and that my account was not closed. Naturally, I was confused, because I had been told the opposite a few days prior. With the investigation on-going, I let it sit for some time. 

I called XXXX more time and was met with the same story. 

Now some time later, I see that all of my Capital One accounts are closed, and that they're transferred all the money in said accounts to an account they seemingly can not disclose. ( Information I was given after I called them, but I was never reached out to as far as I'm aware. ) Naturally, this is an issue because not only is my money now missing, I do not even know where I'd begin to look to retrieve said funds.
Consumer complaint received 2024-06-16
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (AL)

Last week I tried to make a payment that was leftover from the previous payment due on the their website. It said I owed $ XXXX order to apply for anymore cash from my acct credit. I tried 3 times to make the payment. Each time it was denied saying something was wrong with my card info when it was all correct and there was a balance of cash money in my bank account of like {$350.00} or {$60.00}. Due to my schedule I had to get back to doing what I was doing and it slipped my mind to call them. When I got home that afternoon my car had been taken. They took it for a {$120.00}.