davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (PA)

I wen to the branch directly to close my personal and business checking and savings accounts XXXX XXXX, I later found out that the accounts were not closed. I have called PNC several times and already filed a complaint directly with them in regards to not being able to close my accounts. I just spoke with them in XXXX about receiving a notice that an account I thought was closed months ago was closed in the negative for fees. I contacted them and was told that they would remove the account charges and I had no more accounts showing open. I am also not sure if they reported negative information on the business account that they failed to close after they closed it for a negative balance. I just received another notice that my personal business account is negative. I asked that all my accounts be closed and contacted PNC several times over a six month period asking to close my accounts. I filed a complaint with PNC and was contacted to say they would address my concerns and I still have another account that is still open and now negative. PNC continued to keep my accounts open after my request and charge me fees that XXXX XXXX and was again stonewalled and told that they could not pull up any information without me providing them the last deposit amount on an account I thought was closed and have no information on. I was told to go to the branch but when I do they told me they can not assist.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 AN # XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXX/XX/2021
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

On XX/XX/22, an alleged debt collector ( transworld systems ) contacted my parents, who live in a different state from me, to collect a debt that allegedly belongs to me relating to an XXXX XXXX account. I do not have an XXXX pass account or even a car registered under my name. The first representative was extremely rude to my elderly father and then to me. When my wife called back to try to ascertain the issue, she was hung up on. She called back a second time, at which point a different representative answered, who was able to figure out with my wife that it must be an XXXX pass error. Their number is ( XXXX ) XXXX
Consumer complaint received 2022-08-29
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. (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-29
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: ENCORE CAPITAL GROUP INC. (CA)

in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1682 Section 602 States i have the right to privacy.

15 USC 1682 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (LA)

Nelnet contacted me concerning my student loan and their representative said I needed to consolidate the loan. I was concerned, due to financial losses I was counting on loan forgiveness. I was paying the loan on a regular basis and was under an income repayment plan. I was told the billing would resume in two months. This consolidation occurred for the months of XX/XX/XXXX and XXXX of XXXX. I was deeply concerned when Nelnet wanted to do this because I did not want any lapse in my repayment play. I did not ask for a consolidation. The loans had previously been consolidated early on. The representative reassured me that was not the case and my payment history would be continuous. Now after applying for loan forgiveness, I am informed I was placed on administrative forbearance by Nelnet for those two months so my record was interrupted. I specifically said that I did not want any lapse in my payment schedule. Now only one of the loans is showing as receiving continuous payments after this consolidation and on the one loan that is showing a recored, there are only 40 months of continuous payments recorded instead of over nine years. I was lied to by XXXX. I was afraid of their business dealings due to all of the recent bad publicity and now I understand why. I won't describe my situation but I have taught college level classes to disadvantaged and non-traditional students for over twenty years. However, I had two forbearances due to financial concerns but worked diligently to maintain a continuous payment record over the last nine years. This is incredibly distressing. I can't retire and am suffering from XXXX that may limit my future employment. I do not know what to do at this point.
Consumer complaint received 2022-10-06
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. (NJ)

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account XXXX # XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I purchased a XXXX XXXX XXXX and used their finance company, XXXXXXXX XXXX/Synchrony Bank XXXX I setup automatic monthly payments as their promotion required. I made 2 payments and everything was fine. Today, XX/XX/2024, I received a message from my bank, BOFA, saying I had no money in my checking or savings account. Synchrony Bank, without my permission, made a payment of {$13000.00}. I did not authorize this payment and they took all of my money from my accounts. I now have no money in both my checking account and savings account. I have never missed a payment on my mortgage and now I will not be able to pay it or my other credit cards. I feel like I've been robbed. BOFA said they were trying to make a stop payment but didn't think it would go through. I called Synchrony Bank and they said they can mail me a check back but they can't even expedite it. I never made any changes on the amount they can withdraw from my checking account. I have never missed any payment on any loan I have taken out and now I will because of them.
Consumer complaint received 2024-03-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (NY)

Approx XX/XX/24 I got a call about a debt against me from an urgent care visit. They asked me for my credit card information over the phone, and I said I was uncomfortable with that and requested a website portal to pay the debt. Looking into the legitimacy of the website I found multiple complaints about it being a scam company. I looked into the visit I had with the urgent care and the urgent care company said they had voided the payment because I did not leave with any diagnosis. Because of this I did not pay the debt company. They have repeatedly called me, daily, harassing me. I have not been answering and they never leave a message.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THAT I WAS NOT LATE ON THIS XXXX  & TRANSUNION HAS IT INCORRECTLY REPORTED IN MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU XXXX LAST CHANCE TO " CORRECT '' THIS ACCOUNT. 
XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2023-09-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I have been contacted by this agency repeatedly claiming that I owe a debt. On XX/XX/2023 I sent SOUTHWEST CREDIT SYSTEMS a debt validation letter requesting valid proof of claim that I am legally obligated to pay the alleged debt. This company has failed to supply any documentation that has my wet ink signature agreeing to pay the alleged amount, an explanation showing me how you have computed the amount, nor confirmation that the account has not crossed the statute of limitation ( XXXX ) period. I do not believe that I owe this debt, and I have disputed it and allowed the agency an appropriate amount of time to show evidence of this debt to be valid, but the agency have disregarded these repeated requests to validate the debt. On XX/XX/2023 I sent a cease and desist letter because such conduct from this company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. SOUTHWEST CREDIT SYSTEMS have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I demanded that the agency cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. This company has failed to remove these negative remarks. On XX/XX/2023 I sent an Affidavit of Truth because I do NOT have a contract or a " wet ink '' Signature with the CORPORATION. This agency has also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX, XXXX my prior, written consent.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I was for an XXXX XXXX Membership on my XXXX store card held by XXXX XXXX which was not authorized. When I was alerted that a membership fee would be charged ( this was in XX/XX/XXXX ) I initiated an online chat with an XXXX representative and they advised the membership would be cancelled and no fee would be charged. Evidently the representative did not cancel the membership and they I was billed {$120.00} on XX/XX/XXXX. I reached out to XXXX a second time and advised them the membership was supposed to have been cancelled. The representative said they would cancel and issue a credit for the fee. When I received my Synchrony statement in XXXX I was shocked to see that fee had not been credited and in addition there was a late fee and finance charges. To further complicate the issue my account is showing delinquent so I initiated a dispute with Synchrony and asked for a temporary credit while the dispute was in progress. Synchrony refused and said I would need to wait until the dispute was reviewed. When I advised Synchrony I would contact the CFPB the OCC and XXXX   they closed my dispute by saying that the charge was for an XXXX XXXX Membership and to contact XXXX!!! I feel that both the merchant ( XXXX ) and credit card issuer ( Synchrony ) are engaging in unscrupulous practices and predatory lending that leaves the customer with no recourse ( basically they charge what they want when they want and the consumer is powerless to challenge what they are doing ). I appreciate any assistance the CFPB can provide in helping me resolve this matter. Thank you
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC (KY)

There was a debt of {$4900.00} from XXXX-XXXX XXXX in XX/XX/XXXX. XXXX XXXX   contacted me and setup a payment arrangement of an initial payment of {$1100.00} and {$200.00} per month in XX/XX/XXXX. These payments were automatically taken from my account from XX/XX/XXXX - XX/XX/XXXX. The account was closed and no additional charges were made to the account. After these {$200.00} payments for 18 months my balance was still {$4500.00}. XXXX-XXXX XXXX would not let me make payments to them and insisted on me working with XXXX XXXX. During this period my account was charged a monthly {$35.00} late fee, even though XXXX XXXX set up the terms of the payment. I have tried to contact XXXX XXXX and XXXX-XXXX XXXX over the last 2 years with no success. There has not been any written or verbal communication as to why this has not been resolved. My last all to XXXX-XXXX XXXX, the customer service rep just told me it was a valid balance with no explanation why that determination occurred. There is also no one at either XXXX XXXX or XXXX-XXXX XXXX willing to review my dispute in detail with me and perform the appropriate investigation to status my account appropriately and remove the incorrect balance. The last time I contacted the XXXX-XXXX XXXX customer service the representative made the following comments to me. " Everyone in the world knows how a credit card works '' and " This has been going on awhile, You just need to pay the balance ''. 

I have detailed and sent this dispute 3 times to XXXX-XXXX XXXX  and the Collection Agencies.
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MN)

I contacted Equifax on XXXX to remove my fraud alert. I then received a letter from Equifax saying my request was forwarded to XXXX and XXXX. Surprisingly, both XXXX and XXXX created, instead of removed, the extended fraud alert for me. In the end, I have two more unwanted fraud alerts. Moreover, it is difficult to remove an alert from XXXX because they request additional documents that I can not provide now. It is also unfair to me to spend extra time and efforts because of others ' mistakes. These alerts without my consent have no contact information attached and thus effectively prevented me from getting new loans or opening new credit lines and ruined my financial plans.
Consumer complaint received 2019-02-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners (TX)

Got a call on XX/XX/XXXX from a third party asking me to contact XXXX XXXX out of CA and ro provide a case #. I am told by XXXX XXXX that I have an lawsuit that is in prelit in regards to an a debt with XXXX XXXX from XXXX. That they have been sending me letters about this.I was told I could settle the claim at that time and if i did not pay that then they would take me to court and I will owe more then {$5000.00} including attorney 's fees and expenses. I have never received any letters from XXXX XXXX or XXXX XXXX about any money owed. I asked the company to provide me with statements or an account number to prove that I owed this money. The rep told me that they did not have to. That and document 's that they had would be provided to me in court. If i did not pay something like {$1200.00} at that time, they could sue me. I would not be able to negotiate and could garnish my income and or tax return. I kept asking for proof. She then asked me for my email address and that she would send me a letter about it. I gave it to her only wanting further information, thinking this was just a scam. Never did i agree to any of the claims. I called XXXX XXXX Recovery Dept and they do not have any accounts in my name. Current or past. The rep at XXXX XXXX told me to insist on the company provide me with proof of this debt. Even an account number and give it to XXXX XXXX to research. I do not owe this money. Nothing has ever showed on my credit report of any money owed to XXXX XXXX  or any other company. I have made major purchases and this would have showed up.
Consumer complaint received 2019-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

i got acletter from chase XXXX XXXX XXXX XXXX, ohio XXXX my email addy XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- absolutly zero help regarding two unauthorized no signature from me authorizing yhese two transfers ...

and both transfers sent to company named XXXX but both wire transfers using two diff banks um shady!

the one on XX/XX/XXXX for XXXX XXXX dollars. the second XX/XX/XXXX for XXXX XXXX dollars ... 

now when you buy with a credit card a signature is necessary to validate your purschase. debit card pin #. whherees the signature authorizing and for future why not require notorizer signatures. anyone can sign. 
you guys know my email address and whats XXXX dollars matter but if i robbed a bank suddenly swat seams abd chase does mot give a XXXX ... so i want my XXXX back the chase reference number for reporting this fraud/theft XXXX
Consumer complaint received 2019-02-03
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (AL)

XXXX XXXX I noticed that there were several unauthorized charges to my card and I notified Regions Bank and XXXX. I was told to allow the pending charges to clear and I could dispute them along with the other charges that totaled {$930.00}. I received specific instructions from Region how to handle a situation of this nature in XXXX and the next month when I became victim I followed all the procedures I contacted the bank the same day I noticed. All the transactions occurred between the XXXX and XXXX of XXXX I cancelled my card contacted XXXX and informed them of unauthorized charges which had happened for the third time with their company. I was told by Regions I would receive paperwork as to why my dispute was denied over 5 times and as of today XX/XX/XXXX I have yet to receive any evidence that an investigation was ever attempted. XXXX admitted my account may have jeopardized yet refused to refund my money. This whole situation was even publicized on the Alabama news stations and other banks vowed to refund customers their money. Regions has been dishonest and unprofessional and violated their own written polices and procedures.