davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

XX/XX/2023 Went to PNC Bank to withdraw funds from their ATM. I requested the XXXX inside give me larger bills than the {$20.00} bills I withdrew. I stood in line for several minutes while the one XXXX who finally waited on me, in spite of not having any Customers when I walked up to the counter. Even with that, she made me wait an unreasonable amount of time to be helped, asking for my debit card just to exchange the funds. I had just withdrawn money from the ATM machine in the building. I had my receipt in hand and yet she insisted on seeing my debit card. Even though she asked for my debit card, she did not ask for my driver 's license or ID. After giving her my debit card, she stayed in my account on the computer screen for at least XXXX minutes. There was no reason for this employee to be in my account looking around just to make an even money transaction. I asked her what she was looking for and she did not answer. Verification of an account does not take that long. With that, she proceeded to give me {$10.00} bills when I specifically asked her to for larger bills. As a result of this employee giving me so may small bills, I accidentally overpaid the workers I needed to pay. Had she given me 4 {$50.00} bills like I asked her to ; the chances of that error would have been greatly reduced. I was very uncomfortable with this employee accessing my account for that long since my Social Security number is so readily available in my account. In addition to this action, this bank always wants to access my account even if I walk in for something as minor as a checkbook register. I have gone to other banks for a check register, and they hand them out without question. PNC bank always want to upsell you on a credit card or some other promotional item.be hassled and have to sit in a banker 's office while they go into your account just to obtain a " free '' check register. Additionally, my, mailbox has constantly been overrun with offers for a credit card since the day I opened my account. In addition to that, last week I received one of many unsolicited calls from a banker at my local branch. He said it was not important on voicemail. I did not return the call because I knew it was just another sales pitch. I have never done business with a bank of this low caliber, and I will be researching to find another due to the unusual practices of PNC Bank.
Consumer complaint received 2023-01-10
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2020-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (TX)

My vehicle was totaled back in XX/XX/2020. I called Westlake Financial and they  informed me of my balance after the GAP insurance paid. I told them I did not have the complete balance that day and I needed more time. The representative offered for me to do an extension so that would help me with the last payment I owed. At that point I agreed and we moved forward. I paid the last payment after the extension was granted and noticed they charged me for another months payment. I then spoke to several supervisors who informed me that due to the extension it generated another payment. I was furious because the representative never told us a new payment would generate. Why would I have agreed to this when the vehicle was totaled. They now in turn have charged more fees and they keep going up.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have had this card for 3 years now. At the time I applied I was only eligible for a secured card with a {$200.00} limit. They advertise that after 6 months of good payment history they will give you a unsecured card with a higher limit. I have requested a credit limit increase many times, and to be given an unsecured card. I continue to get denied and told they will review it and increase it automatically. In 3 years with a great payment history they still have not given me an unsecured card, raise my limit, or allow me to apply for an unsecured card because I already have a secured card. I also have a Capital One Walmart unsecured card that has only a {$300.00} credit limit, also had it for years with an excellent payment history, but again, no credit increases. I have literally only had 3 payments that were just a couple of days late in the whole 3 years, and they were due to a mistake, not failure to pay. I have had a checking account with them for 4 years and get regular weekly direct deposits from my paychecks. So they don't even need to verify my income.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

I opened a checking account with Chime on XX/XX/2022 and updated my job to have my paycheck direct deposited into this account. On XX/XX/2022 my account was closed immediately without giving a specific reason. After hours of calling and talking to multiple people from chimes member services they could not give me a specific reasoning why my account was closed and could only tell me that I must of violated one of their agreements. I was only able to have one paycheck deposited into this account before it was closed for the amount of XXXX, because of opening the account I was given a free {$15.00} from chime as well as a free {$100.00} because I used direct deposit and it was their bonus. On XX/XX/2022 I initiated a transfer from my chase checking account of XXXX dollars to be sent to my chime checking account and it was to arrive on XX/XX/2022 to that account. Since my account was closed on the XX/XX/2022 I have lost access to any of my funds in the account and have already sent document to chime to prove my identity but they have not gotten back to me and have made no effort to assure me that my funds will be returned to me. I need assistance contacting this company and have my funds returned to me. Thank you
Consumer complaint received 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I purchased the vehicle in XXXX with Credit Acceptance being the finance company then covid happened so I was on the covid relief program but when it ended I was still struggling so I wasn't able to pay they came and repossessed the vehicle they sent out a letter saying it was sold and that was in XXXX and now it's XXXX they're trying to garnish my wages this doesn't seem right and the amount they said I owe is not the same as the paperwork I received can you please help me...
Consumer complaint received 2022-10-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX. In XXXX of XXXX XXXX  illegally repossessed a vehicle I had with them. XXXX XXXX then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of { {$13000.00} } and I should have been due some amount of equity returned from the sale.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: TD BANK US HOLDING COMPANY (NJ)

My employees had given me a {$50.00} XXXX ( TD Bank ) gift card for my birthday. I never used it ( it even still has the sticker on it that needs to be removed before use ). I found it in a box with other gift cards in XXXX during COVID and realized that it expired XX/XX/XXXX. I wasnt going out or spending much money in XXXX due to the pandemic and not working, and I knew that I could have the money put on a new card. I phoned the number on the card yesterday, finally ready to begin to go out again, to ask about having the balance ( {$50.00} ) put on a new card. I was told that the card was registered in XXXX ( I have no way of knowing that ), that the card has been closed, has no value, and that I should throw it away. The card does NOT list NJ, where I live, as one of the states that has a monthly inactivity fee. It says on the back of the card that the funds do not expire. It also says, You can request a replacement card at no charge, following the Good Thru date if there is a remaining balance. Does it make sense that the unused card has no value?
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NJ)

Hi, I had installed the roof and gutters under a Fixed Pay Project Plan for 60 months from Lowes in XXXX / XX/XX/XXXX Suddenly in XX/XX/XXXX, it was converted into a purchase with interest added at 26 %. I have called several times in the past three weeks- One of the Customer Service agents mentioned that it was a computer glitch that changed all my information incorrectly. She said that she would excalate it to the manager. However, nothing has been done as of yet. 

I would like the Fixed Pay of 6.99 % to continue from XX/XX/XXXX on the amounts, without it being converted into a purchase with interest rate of 26 %. Additionally, the interest charged from XX/XX/XXXX should be credited back into my account. 

It is a Lowes XXXX Credit Card. 

Thank you XXXX
Consumer complaint received 2023-09-08
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 (LA)

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2024-04-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (AZ)

I have requested information from BMO countless times and all information BMO has provided to me has been incorrect and false. I am still not able to make payments as all checks have been sent back to me with a notice stating account can not be located. The contact numbers provided are not correct as any of BMOs associates are not able to locate me still. I have now been told that the only way to pay is by cash or cashiers check. 
BMO is impacting my finances!

I have been to a dealership to see what they can do. The dealership did request a payoff amount but the amount the dealership shows is somewhat different to what BMO shows by a substantial amount!

I dont trust that BMO is being honest and are in compliance with the law.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XXXX XXXX Balance : {$940.00} {$940.00} No. of Months ( terms ) : 0 0 High Credit : {$940.00} {$0.00} Credit Limit : {$600.00} {$600.00} Past Due : {$940.00} {$940.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XXXX XXXX  Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXXXXXX XXXX  Date of Last Payment : XXXX XXXX  Two-Year payment history Month 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 Experian 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 RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-09-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (FL)

I am a XXXX XXXX  who was out of work due to illness. I let this company know and even pushed my payments back. A friend made payments on my behalf that was reversed later down the line. I was not aware of the reversal until weeks later where I proceeded to make a payment to get caught up. This company is reporting that I am 60 Days late on my payment which Can not be accurate at all.
Consumer complaint received 2023-10-24
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 (NC)

I received an email saying that I still owe XXXX after my card was paid off and they said that it went to the full amount of my XXXX XXXX XXXX XXXX XXXX  I called the number in this email Im not receiving any information back but my email is saying I still owe the full amount so where did the XXXX go? 

I had my card stolen. They shouldve still withdrawn the {$35.00} because the new card was linked with the old account number. They shouldve never even missed a payment.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AR)

When I opened my account in XX/XX/XXXX I was given a {$2000.00} Credit Limit. I paid way more than my minimum amount due every single month. I was trying to raise my credit score. In XXXX of XXXX, I made a payment mid month, and then on XX/XX/XXXX I paid {$800.00} for my XXXX payment which was an early payment. On XX/XX/XXXX I paid my entire balance off in the amount of XXXX. I did this right before I left to go to Colorado which was 18 hours away from home to take my daughter to a medical specialist. I had used every penny I had to my name to put on this credit card to help my credit, with the expectation that it would be available for my future use. They instead lowered my credit limit to {$390.00} as soon as I paid the balance off. I called immediately to inquire to the reason and dispute it. I was told that it was reduced due to a late XXXX payment ( that I paid early in the amount of {$800.00}! ). I could not get them to fix the situation but I was given a fax number to fax in my dispute. I was told that I could suspend payments until the dispute was responded to and resolved. I went to Best Buy and faxed the dispute from there, I also contacted my bank to dispute the payment since they put me in a horrible situation being 1000 miles away from home with no money or no credit card to use. The bank agreed with me about my dispute and issued me a provisional credit, and later issued me a final credit for the {$1900.00}. Last year before they closed my account they told me they would set me up on a {$60.00} month payment plan, and would raise my limit once it was paid off. I electronically signed the documents for the payment plan, and then they instead closed my account further harming my credit. They are still reporting late payments and now a charge off even though they never responded to or resolved my disputes.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank (FL)

I have a business account at Synovus. 
On XX/XX/2023 there was an unauthorized withdrawal of {$6100.00}. The description on the transaction was : XXXX XXXX XXXX Paymnt XXXX XXXX XXXX XXXX. 
This was reported to the bank on XX/XX/2023. The bank refuses to reverse the transaction because it was not reported within 24 hours of the occurence.

I was not aware that I am required to monitor my accounts 24 hours a day.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

my information was used without my consent multiple times and has caused harm to me and my report setting me back in a major way by violating a law that prevents the use of a report without a consumer consent. I need these accounts removed
Consumer complaint received 2022-10-27
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. (OH)

XX/XX/2022 I received a message that my dispute was closed by Equifax information Service LCC to my claim first and foremost I have not received any authentication or what step the took for the investigation XXXX. No original validation from the original creditor or XXXX. According to XXXX XXXX XXXX XXXXXXXX ( A ) States I have a right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) it also states a consumer reporting agency can not furnish a account without my written instructions.also XXXX ( c ). ( A ) ( XXXX ) states, no consumer reporting agency may make any report containing any of the following items of information any adverse items of information other than of convection of crimes which antedates the report by more than XXXX XXXX. Also XXXX XXXXXXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the reason knows or has reasonable cause to believe the information is inaccurate. Notice I have file a XXXX Financing Statement and addendum/ a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with XXXX Security Agreement with {>= $1,000,000} total of value collateral in security agreement is XXXX in place I'm preparing a lien on all three credit bureaus for all reporting violations and each violation is XXXX in federal reserve notes or gold or silver coins this is a notice by law you Have XXXX XXXX XXXX to delete all items off my credit report and send me the investigation process and the original contacts from the lenders loan XXXX of this debt.
Consumer complaint received 2023-01-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 


XXXX XXXX XXXX XXXXXXXX, 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