davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I have had and continuously used the " Guitar Center '' credit card financed by Synchrony Bank for years and have always paid the account on time and managed the account online with the exception for one time that I paid it a day or two late and called Synchrony Banks customer service number to get the account paid immediately and they also waived the late fee. Recently I have noticed that Synchrony Bank, ( through whom I have several other open credit cards and in store credit cards with, and all which have been managed and paid on time ), have adjusted their websites when you log in to manage accounts to solicit you to accept digital paperless emailed statements. I NEVER selected this option and NEVER arrange for email statements as I get an average of over 100 emails a day and don't have the time to flag or sift out any potential email statement form teh several creditors that i have accounts with. Well, last month after I logged in to pay my Guitar Center account, apparently they arbitrarily switched me over to paperless statements and because of that, I missed my payment due date of XX/XX/21. So when I get an email warning me that my account is past due. I call them immediately to find out why and after dig up my previous paid statement and confirming with the customer service agent that my account was switched to paperless billing, I demanded that it changed back and that the late fee be waived as this was NOT selected by me. I also asked to be transferred to a US based manager which I eventually was after being disconnected and had to call back and start all over again. Now completely irritated, I was finally connected with a US Based agent who reluctantly waived the late fee and accepted my payment of {$60.00} over the phone and then she also disconnected my call after I demanded to speak with a corporate level manager as to why my account was switched to paperless billing without my knowledge or permission. At which point, my call was irresponsibly disconnected again! Little did I know that this agent also processed a closure of my account! Of which, I did not request. And now, after 3 days of phone call attempts, I can not get a hold of anyone in executive level consumer relations to determine both who and why exactly my account was discriminatorily closed or, why they are unable to re establish re-opening of the account. I did just a little online research and, have found and enormous amount of current lawsuits, class action suits, and extremely bad reviews against Synchrony online for this same reason as well as several others. I need help with this matter and am looking at the very real possibility of this going to court. How can you help?
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TX)

We sold our house in XXXX, 2021 and there was an escrow balance of {$3000.00} that we should receive, before we changed our address a check was sent to the address of the property that was sold. We talked to the mortgage company ( Guaranteed Rate ) and changed our address and then called back again to request a new check ( they would not take both the requests at the same time ) then they told us to wait 30days to call back to request a new check. We waited and called back on XX/XX/2021 and the representative we spoke with said they would issue a new check to the right address and it would take 10 business days. As we have not receive the check even after 20 days, we called back again in XX/XX/2021 and the representative is telling us that it can take 30 to 60 days to process this request and there is nothing they can do and would not provide any form of request ID or number. Especially during times like this ( Covid ) it is very hard to not have your own money to use for expenses and these big corporations are taking so long to return our money. Their estimated time of when we will get our money is XXXX - almost 4 months after the loan was paid.
Consumer complaint received 2024-04-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PNC Bank N.A. (CA)

I am writing to get relief for harassment by PNC bank ( Heloc division ) ongoing since XX/XX/XXXX. I have been struggling to work with PNC and have been complaining about this issue for more than a year. 

I applied Home equity line of credit with PNC loan XXXX ( XXXX XXXX ) in XX/XX/XXXX. Purpose of applying for heloc was to get a credit line for any future investments/repairs needed for my house. I had made very clear to the loan XXXX several times over phone discussions that I just needed the approval and no money disbursement at the time of approval. 

After few months heloc was approved ( Account XXXX : XXXX ) for amount of {$260000.00} and money was transferred to newly opened PNC checking account without my consent and knowledge. As I never wanted the disbursement of the money, I transferred the entire amount from PNC checking account back to HELOC account in XXXX installments of $ XXXX and $ XXXX. PNC doesnt allow transfer for more than {$99000.00}, thats the reason for XXXX different transfers. 

Later I figured out that PNC has charged me interest on the amount which I have been disputing ( and escalating ) since XX/XX/XXXX. 
PNC did not co-operate and sent my account for collections and later closed the HELOC line and reported to credit bureaus damaging my credit history. The amount disbursed never left my PNC checking account and was transferred against my knowledge and agreements. Please see snippet of all PNC hello transactions below. 

So far, I have worked with following PNC officials to get the issue resolved with no luck. 

XXXX : XXXX XXXX : XXXX XXXX XXXX XXXXXXXX client relations ) : XXXX Escalation Issue # : XXXX XXXX XXXX I am requesting your help to instruct PNC for the following : XXXX. Cancel/Waive the outstanding balance on the closed heloc line XXXX. Remove the property XXXX from the title of my house XXXX. Work with credit bureau to fix my credit history
Consumer complaint received 2021-07-26
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)

Money was transferred from our account using an unauthorized XXXX app, which we do not have, to person that we do not know. It is clearly a foreign name. Six transactions occurred in 39 minutes. One {$5.00} transaction and five {$99.00} transactions. I saw the transactions and reported them to Wells Fargo within 24 hours, stating that I did not make these transactions. They immediately shut down our account. They said they would investigate these transactions and let us know if they felt they were fraudulent or not. 

My husband and I are XXXX and XXXX years old. We basically use this Wells Fargo account for monthly drafts. We don't even know what a XXXX app is! We have our life insurance, long term care policy, and supplemental insurance drafted from this account. It is so evident to see that this is fraud. 

These transactions occurred on XX/XX/2021. On XX/XX/2021, we received a letter from Wells Fargo stating that they had completed their investigation, and that they found we made the transactions. We are in disbelief. Wells Fargo has done nothing to protect us.
Consumer complaint received 2019-12-13
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: Atlanticus Services Corporation (GA)

I had an alarm system installed by XXXX. I DID NOT authorize for my credit to be pulled and in no way did I authorize any relationship with Fortiva. I received a credit alert that a new credit card for {$4000.00} was placed on my credit file with a utilization of 40 percent. This WAS NOT authorized by me. I did not authorize the credit inquiry not the opening on any account in my name. 

I'm demanding that this account in its entirety be removed from my credit files an that any an all business relationships be ceased, in addition to the complete cancellation/return and refund or the security equipment provided by XXXX.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (NY)

On or about XX/XX/XXXX I applied for a mortgage only to be denied because my credit card issuer Banco Popular reported inaccurate information to my credit file as being over 30 days late when in fact it was never 30 days late. I contacted Banco Popular on XX/XX/XXXX and upon speaking with a representative she advised the account was not in fact 30 days late and NEVER been 30 days late. She immediately opened an internal investigation with the credit department as well as with the credit bureau case # XXXX. The representative advised to follow up on XX/XX/XXXX for an account status or a representative will contact us. To date we have not heard anything from Banco Popular. Now while I do understand things can get mistakenly inputted this was a significant hit on my credit file because of inaccurate information being reported. Further, pursuant to the Fair Credit Reporting Act only accurate information should be reported to my credit file and I promptly request this matter be investigated and removed.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

I received a letter dated XX/XX/2021 that my credit card had been closed due to " inactivity and / or information on my credit report. '' The letter stated that my credit score as of XX/XX/2021 was XXXX. It further went on to state " Delinquent or derogatory status on accounts is too recent. '' The credit score they are reporting is not what shows up on my credit reports. This of course negatively impacts my credit score. I called the number for the company but got a recording stating that my account is closed and there was no further information. The letter stated I could contact them to review information I feel is inaccurate but obviously I was not able to do that.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have item on my credit report that I would like be verified, XXXX XXXX XXXX  Opened on XX/XX/XXXX {$790.00}, XXXX XXXX Opened on XX/XX/XXXX {$740.00}, XXXX XXXX Opened XX/XX/XXXX {$17000.00}, XXXX Opened XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX  XX/XX/XXXX {$230.00}, XXXX XXXX Dealer XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im hoping someone can help me with complaint because I have had several issues with the XXXX, Transunion, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

Wells fargo closed my checking account due to XXXX XXXX falsely accusing me of harassing her. Wells fargo keeps saying that they have the right to close my account. I really don't care. They are missing my point altogether. They weren't exercising their right to close my account until XXXX XXXX falsely accused me after I got my new checking account open on XX/XX/2015, it was all set up by XXXX XXXX and the employees located at the XXXX XXXX location in XXXX XXXX. It started when I couldn't log into my account on XX/XX/2015. I called wells fargo and they told me my account had been compromised. It was compromised by XXXX XXXX and who else was tempering with my checking account & snooping in it. It took me a week to open my new checking account. It was all a setup because I never saw XXXX XXXX in the bank during that 1st week until the very last day I had it open. She purposely put her self at the bank that day to falsely accuse me she had those employees tell her my wear about so she could be at the bank. She was doing everything she can to ruin my life. She tried to have me arrested but the police didn't do anything but looked confused, about there is nothing going on here. But XXXX XXXX then complained to dane chambers about falsely accusing me of harassing her. He send me a very hostile and threatening letter telling me, that wells fargo was exercising their rights to close my accounts & he told me I better not go into the wells fargo that XXXX XXXX was at & for me not to enter any wells fargo. XXXX XXXX got her way about getting rid of me so did the employees at that branch. But XXXX was getting them involved they were the ones committing crimes against me
Consumer complaint received 2022-03-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Financial LLC (DE)

XXXX is the last time i was able to make a payment of {$50.00} From XXXX til now i receive txt messages from them several times i have spoke with XXXX XXXX XXXX i do not have any income at the moment i have no way to make any payments i revieced a phone call 23 - 32 times from different locations last week. 
Today at XXXX i recieved my last call and i explained that they are harrasing me i told the pervious people that i have no income at the moment she told me she didnt care i would have to pay {$5.00} and i again told her i did not have anything to give. They called monday twice, Friday, called XX/XX/18
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NV)

Sunrise Credit Services contacted me about XXXX XXXX XXXX account XXXX on XX/XX/2021. 
I sent a letter starting " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you '' and requested : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I never received documents from Sunrise Credit Services, but I received a letter starting that " Sunrise had already ceased collection efforts. " " Sunrise received the XXXX  complaints the next day, which was promptly forwarded to the creditor. We are pleased to report that in response, the creditor issued a credit adjustments to XXXX  the balance on XX/XX/2021 '' informed Sunrise Credit Services " collection agency '' that was representing XXXX XXXX XXXX to XXXX XXXX XXXX. 
On XX/XX/2021 I received another letter from Sunrise Credit Services in regards of the same unverified account and account that they sent the untruth statement and letter to the XXXX XXXX XXXX. 
Please see all the documents attached to this complaint as references.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (MA)

HI DIVERSIFIED ADJUSTMENT SERVICE ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

This is respected to bill send by XXXX when i switch the carrier. Back in XXXX XXXX had sent me network enhance device by one-time charge of XXXX $ and said I never have to refund the device and pay anything. Now in XXXX when I switched from XXXX they had put the charges of XXXX $ of that device for not returning. XXXX just trying to punish me moving from their service. 
I had asked XXXX to send me a proof of agreement I signed for returning the device then I will be ready to pay the amount, but they dont even send me the agreement of XXXX. 
I had called XXXX department 3 time and everytime they said they will investigate and come back to me but they never do. 
Now the XXXX is sending the charges to collection agency which is not fair.
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

I didnt know that the credit card company had put the account in collections until it showed up on my credit report. I later received a letter from Midland collections agency about the debt that they took over from XXXX XXXX XXXX  of XXXX. In the debt letter it stated that the debt was from XXXX XXXX and the only option it gave was to pay the debt. The information on the account details were inaccurate because the XXXX XXXXXXXX account has been closed for over 5 years. In the letter the charge off date was XX/XX/2020. Midland credit should not have been able to start collections on the account because the account is barred by the statute of limitations for North Carolina. Midland credit also did not acknowledge in any of the letters I received from them that I could dispute the debt. I have disputed this collections account since it was put on my credit report and it has not been removed. I asked for verification of the debt and have yet to receive it. Midland credit also increased the balance owed to XXXX which caused my credit score to drop even more because of this unlawful collection.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote the three credit bureaus, XXXX XXXX and TransUnion onXXXX XXXXXXXX XXXX. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2019-12-13
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. (CA)

I received an alert from my credit monitoring service that I have a 30 day late payment being reported to all three credit reporting agencies ( XXXX, Equifax and XXXX ) by XXXX XXXX XXXX from XX/XX/2019. I have never been 30 days late with this company as long as I've had an account with them so I immediately contacted TD XXXX XXXX to clear this matter up and they sent me a Credit Reference Letter on XX/XX/2019, which shows I have a stellar payment history with no late payment history on my account. As a result of this erroneous information being reported, my credit scores have taken a major nose dive and my credit rating impacted. I am distraught and disappointed that the information hasn't been updated as stated by XXXX XXXX XXXX and I request 30 day late payment be removed immediately from my XXXX, XXXX and Equifax file as it is inappropriate and inaccurate and it could also impact the excellent relationships I have with other creditors.