davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00} {$7700.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-24
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. (WA)

I was applying for a home loan in XXXX and found out I had bad credit in XXXX XXXX because XXXX was reporting a significantly delinquent account of {$2900.00}. My lender suggested I open a dispute. This was on all 3 reporting agencies. I've never had an account with XXXX. I've also never lived in IL. I filed a dispute. Equifax was the first to respond saying they have updated my credit but have verified with XXXX that the account is mine. It's in error. I've been with XXXX since XXXX and NEVER had XXXX. I'm still with XXXX. I used to work for a bank ; so, I pay my bills.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

I have contacted USAA and with no resolution. I have also filed a previous complaint with CFPB and in return, USAA continues to call me 3-4 times a day harassing me with voicemails. I have spoke to several representatives from USAA and again, with no resolution, they keep telling me that theres nothing they can do, but yet continue to harass me several times a day with phone calls and voicemails. When I spoke with them, all they did was look for reasons to disregard the financial issues that took place, as well as the worldwide pandemic ( COVID-19 ) that also caused so many people to lose their jobs, including myself. Their complete disregard for these matters and continuance of trying to collect payments is inexcusable. Not only do they harass me with their phone calls, but the damage to my credit report is irreversible, the damage has been done, and further action needs to be taken.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (KS)

I attempted to contact synchrony bank regarding payment from my optional XXXX insurance. Claim Number XXXX. I was advised on a prior conversation that the creditor paid {$770.00} of the bill but also agreed to waive several charges for program fees, interest, and late fees. However, when I asked for a letter indicating this they refused to provide proof of such which I think they are legally compelled to do both under truth in lending and because I need to provide this information to my tax professional. Further, this account has been referred to a collection agency and I advised Synchrony Bank that while the collection agency cashed the {$770.00} check they are not waiving the rest of the bill so I need the benefits information in writing ( including what synchrony bank has agreed to write off for program fees, interest, and late fees ) so my attorney can get the collection agency to write the charges off and fix my credit. 

Please send me a breakdown of the payments and the write-offs as a response to this complaint.
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (FL)

I'm trying to do an international transfer using XXXX from my PNC bank account to my bank in XXXX. 
The first time I did this it worked fine. Now when I try to do a second transfer, then PNC will not let XXXX  connect to PNC. I guess they don't like competition.
Consumer complaint received 2020-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION (TX)

I have a loan with a company called Oportun. 

They do not provide ANY statements and/or information AFTER you sign for the loan. You can not access online how your payment is applied to your account. 

I have

two other personal loans, and BOTH of them reflect every charge, and every payment online. I can not get any statement from Oportun in writing or online, and two months ago they reported me as being late {$18.00} on my credit report - yet I h
ad no letter from them informing me of this in advance - clearly I would have rectified that!!! 

Also, I accidentally said yes keep my bank card as the default payment, and it gives you no option online to UNDO that!!!! Their service and structure is basically in XXXX, and their " shell company '' is addressed in California. 

Frankly, I do not think this company should be allowed to do business in the United States. On their web page - it says that you can pay by your bank account, and that does not work, and also the site says that is is secure - but there is no https in front of their web address. 

If I try to call to get any help - I can very rarely get ANYONE that speaks English as their native language. To date - I have not received ANY account statements ; any online account information that covers payments, interest, late charges, and during the COVID-19 issues - their words over the phone were VERY confusing, and not VERY helpful at ALL. 

And to even reach a person there - it's many numbers and steps, and you are basically sent to XXXX! 

I will NEVER borrow from this company again, but I feel as a United States Citizen - I AM ENTITLED TO MY ACCOUNT INFORMATION!!
Consumer complaint received 2020-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (PA)

This item is on my federal but I have contacted the agency they are an able to provide me proof they are a third-party that purchased the debt. She placed me on hold and transferred me to a voicemail after refusing to provide the requested information
Consumer complaint received 2020-05-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : SANTANDER CONSUMER USA. 
DATE OPENED : XX/XX/2012 AMT. XXXX THEY SAID THEY DID NOT RECEIVE A CLEAR ID, WE FAXED IT TO THEM AND THEY SAID IT WILL BE REMOVED WITHIN 48-72 HOURS, IT HAS NOW BEEN OVER A WEEK.. WE STARTED THIS DISPUTE 2 MONTHS AGO, IT HAS BEEN OVER 30-45 DAYS. WE HAVE PROVIDED THEM WITH THE POLICE REPORT, ID THEFT AFFIDAVIT AND ID THEFT REPORT.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

This is a follow-up of request - XXXX The Citibank team did not answer the request properly, as I complied with the requirements : Open a Regular Checking account in the Citi Gold account package between XX/XX/2021 and XX/XX/2021. 
Within 60 days after account opening, complete one or more qualifying bill payments for two consecutive calendar months and spend the {$1000.00} required minimum amount on purchases using your Citibank Debit Card. 
Only targeted Primary Cardholder is eligible to receive this offer and must be enrolled to receive incentive. 

I went online to get a statement of my transactions to show them I was right. 

Unfortunately, I don't have access to that information anymore. 

My request is that CFPB asks them to provide my history with them, and you will see that I complied 100 % with their terms. 

Therefore, please do not close this matter until we see the data. 

Thank you, XXXX
Consumer complaint received 2020-02-07
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: Experian Information Solutions Inc. (FL)

Received an alert on a collection account on my credit bureau file. 

XXXX XXXX Account number - XXXX Account was opened on XX/XX/XXXX under my social security number but a different individuals name. Collection account was posted on XX/XX/XXXX for {$1300.00} Called XXXX XXXX and the collection company they moved the account too..Both non helpful ... just told to pay the debt and then try and get a refund even if it was there issue/problem.

Completed dispute with Experian on XX/XX/XXXX. No update..they sat the information is accurate due to the social security number used is correct and the first name of the individual matches mine but different last name on the XXXX XXXX account XXXX
Consumer complaint received 2024-11-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

I have a XXXX card which is now owned by synchrony. I received a notice that I would be charged a {$1.00} fee for paper statements. I have been enrolled in paperless statements since my first bill. ALL members are now required to opt - out of paperless statements despite previously enrolling in paperless billing otherwise be subject to a fee. When I went online to review; I wanted to take screen shots to submit steps for this documentation, but when I clicked on paper billing, despite NOT saving, I was told I would have to wait 24 hours before making my selection change. This is not ok and a way for the banks to collect fees that a reasonable person might have a hard time understanding or assume they are already enrolled. This is complete abuse and should be stopped. I am well aware that many providers are taking the option of charging for service, but until the government regulates this or provides free electronic devices and wifi, this should not be allowed. Further it should not be allowed if you have already signed up for paperless to be required to complete again.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted progressive insurance about the balance owed in the amount of {$310.00}, and they agreed to waive the debt, stop reporting to the collections XXXX XXXX, and delete the negative trade line.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

VS CARD XXXX XXXX XXXX XXXX Comenity Bank/ Victoria Secret Credit Card which I have in writing. If a credit increase is granted you DO NOT HAVE MY PERMISSION TO DO A HARD PULL. ONLY A SOFT PULL OR I DO NOT WANT THE INCREASE. I HAVE my full credit avaialable which is {$700.00} I was on the phone for 3 hours with Comenity bank and I spoke to 12 different people. 

XXXX ID number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I WILL BE CLOSING THE ACCOUNT ONCE I RETURN EVERY ITEM I PURCHASED BACK TO THE VS STORE. 

I WANT THE INQUIRY REMOVED ON MY XXXX  ACCOUNT. 

I HAVE PROOF CLEARLY IN WRITING NOT TO PULL MY CREDIT AND ONLY GAVE PERMISSION TO DO A SOFT PULL. WHY WOULD I HAVE AN INQUIRY FOR TWO YEARS WHEN I STILL HAVE OVER {$600.00} AVAILABLE.
Consumer complaint received 2020-02-07
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. (NV)

I am a victim of identity theft. I didn't realize how severe until I took a look at my credit reports. The following accounts are a result of theft and are not mine. 

I noticed the following accounts and inquiries on my credit report. 

XXXX US Bankruptcy Court XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries 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 US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 inquiries 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
Consumer complaint received 2020-05-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX has a partnership with Synchrony Bank which caused Synchrony bank to charge me {$10000.00} in financing for a project that New Age Security was getting ready to work on for me. Before the project began, XXXX XXXX XXXX informed me that I would have to pay a processing fee of {$1700.00} before financing could be processed, so I withheld on paying that processing fee so the financing would not be processed. It came to my knowledge that XXXX XXXX XXXX and Synchrony Bank went ahead and processed the financing without me even paying that {$1700.00} processing fee. They did this without my consent or knowledge. Since, I cancelled the project before it started, they are claiming that I owe them {$2600.00} for the work they already did. I did not consent for them to process anything and they insisted that I pay for the work they already completed. So, they insisted on sending their completed work to my place of residence, which they never sent. Which then again proves that they are trying to cover up that they processed that financing illegally. Initially they charged me {$10000.00} fraudulently and I called and resolved it, then they went back about a month afterwards and fraudulently charged me {$2600.00}. My guess would be that they agent I was working with ( XXXX XXXX XXXX went ahead and paid the processing fee on his own so that he could gain his commission from the sale very quickly. This fraudulent debt has hardened and prevented my process of purchasing my new home amongst many other things.
Consumer complaint received 2020-05-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (SC)

My complaint is against XXXX XXXX XXXX. I have explained to representatives on a weekly basis that due to the pandemic, I was unable to make a payment until XXXX. I asked for a payment arrangement in XXXX as I did with our other vehicle lender. I was told it would be fine, just to call week by week as they were only to hold payments week by week, which I did call. Now when they call, they share that if I am not able to make a payment, they can not make any notes on the account. I am also told that no payment arrangement can be made until the balance is paid. Well I asked for an extension in the beginning and was told different things by different representatives. I know that these calls are recorded so you can listen to the nonsense for yourself. No I get calls at least 2 or 3 times a day, then received a letter saying once they are able to repossess the car, they will. I mean, this is a pandemic and seem to be the only lender threatening their patrons. This is an ongoing issue with American Credit Acceptance XXXX. I am not able to speak with a Supervisor and they will not email any updates regarding payments. The representatives are rude and just totally unempathetic to individuals struggling during COVID-19. I am really concerned with their unfair business practices and the constant harassment from representatives. I have had different conversations explaining our situation and it does not seem to matter and now it is getting out of hand. I am really not sure who else to contact.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have tried repeatedly all of XXXX to correct and have removed 2 bankruptcies listed on my credit file. Finally, XXXX has removed the bankruptcies from their database, however, the bankruptcies are still showing on TransUnion, XXXX, and XXXX as I have viewed my credit reports today. There are also other items that I have tried to dispute on TransUnion and XXXX  websites, but I was referred to submit information regarding my dispute in writing to them. No. I will not. XXXX  stated, they have already investigated this matter regarding my disputed items and didn't have to honor frivolous disputes. XXXX   dispute system has been down for several weeks now and I am not able to view anything. So, I am using an old credit report to dispute inaccurate information and also XXXX XXXX XXXX / XXXX XXXX XXXX is FRAUDULENT. It's listed on my credit report as me opening it twice with the same account number opened on XX/XX/XXXX & XX/XX/XXXX. I have requested to have all Regular and Hard Inquiries to be removed from ALL of XXXX thru XX/XX/XXXX. I have not authorized any inquires loans, credit, credit cards, by no means for anyone. This is INSANE!! PLEASE CORRECT MY CREDIT REPORT INFORMATION AND REPORT ACCURATE INFORMATION WITHIN 15 DAYS.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I left the USA on XX/XX/XXXX after I accepted an international assignment with my company. 

Before leaving I settled all my credit cards and debts. I had a credit card with XXXX XXXX  and I paid in full its balance. 

A year later, on XXXX XXXX, XXXX charged me an annual {$49.00} management fee for the credit card I believed was closed and settled. 

I was not monitoring this as I assumed I was in good standing with my debtors, so I didn't see nor pay it. 

I returned to the USA in XXXX of XXXX and I found in my credit report this outstanding amount affecting my credit score. I disputed it via Experian the week of XX/XX/XXXX. As a result XXXX  XXXX updated my report and it now shows the balance as Charged Off since XXXX all the way to today. This lowered my credit score from over 700 to XXXX. 

I have called several XXXX  customer services XXXX numbers and spent several hours on long waits. The XXXX employees I have spoken to do not know how to settle this and keep sending me to call other XXXX number lines/departments with no one assuming the solution. The XXXX   associates argue that the fee is so old, that they can not see it in their system anymore. I even offered to pay the {$49.00} ( even though I disagree with it ) in an attempt to close the matter and improve my credit score.  The XXXX customer services representatives again argue that the fee is so old that they can not settle it in their system, I disputed the account once more with Experian and XXXX came back with the same vague answer, updating the credit submission as Charged Off. 

On XX/XX/XXXX I sent a letter to : Dispute Resolution department Re : XXXX XXXX  Credit Card. 
XXXX XXXX XXXX XXXX, GA XXXX And I have not heard back from them. 

I believe this matter is unfair, a result of an internal mistake from XXXX XXXX, and is directly affecting my credit score. 

Could you please help me to solve and clean my credit score?

Thank you