davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
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 {$810.00}, {$0.00}, {$690.00}, {$590.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

I purchased two flights to travel to XXXX in XX/XX/2020. XXXX placed restrictions because of COVID and I could not legally enter the country. XXXX XXXX refused to offer a refund but they offered to change my trip but it had to be before the end of XX/XX/2020and there were no other flights the same price so I had to pay an additional {$460.00} to change the flight to XXXX. In XXXX XXXX still had strict restrictions on travel, and I legally could not go on my trip. When I called the airline and the third party I bought the tickets  from ( XXXX ) they refused to give me a refund and said I had to pay even MORE money to change my flight, which again had to be within a year. I was being scammed out of money, the airline could not legally offer me the services I paid for and instead made me pay more  money to change the flight to another uncertain time. I then disputed these unlawful charges with my credit card company, which is US Bank and they are refusing to help me.
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

On XXXX I had opened a new checking account with Santander Bank, N.A. I had used a promotional code to set up my checkings account to receive a bonus of XXXX $ after haveling a direct deposit of XXXX or ore in the first 90days of opening the account. I did reach the limit and I waited the full 90days. Now it is well beyond 90 days and I still have yet received my promotional agreement. I did reach out before my 90days where met and they did confirm my account would qualify for it.
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (FL)

On XX/XX/2020 I sent a payment on cashapp too my husband but sent to his old account which cashapp themselves closed out months ago. It has no cashapp $ hashtag name at all, phone number, or email so how the payment was even sent is beyond me It was sent to XXXX. The payment was suppose to go to $ which cashapp stated during emails back and forth that the account was tied together with the other. 
Once payment was sent I realized that there was no recipient just XXXX and immediately contacted support and requested refund. XXXX also contacted cashapp and they stated that the transaction was cancelled and money would be sent back. On XX/XX/2020 I contacted Regions bank and informed them and asked to dispute charge. On XX/XX/2020 I disputed charge with my bank again as I had not heard anything back on the previous day of reporting. XX/XX/2020 I contacted my bank again to see what was going on. They stated Cashapp refused to return $ and the {$300.00} is valid. XXXX and I both have been nonstop emailing cashapp back and forth as they dont have a # to call they have completely stopped responding to me and they sent XXXX another email stating that refund was issued on XX/XX/2020-XX/XX/2020 that it would be returned to the sender and it has not and them stating that along with disputing my transaction with bank states they are trying to keep my {$300.00}. They have sent XXXX and I both emails saying it has been over 3 days since they have heard from either of us and closing out the case. We have emailed daily. Please help
Consumer complaint received 2020-10-15
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: Bread Financial Holdings, Inc. (NJ)

I had an issue with my Comenity Capital Bank credit card for Forever 21. I never received an order and was issued a refund. Regardless of this, the company continues to charge me interest and late fees on a purchase that I never received. I filed a complaint with the XXXX a while back and received a letter from Comenity Capital Bank stating that my account was XXXX  out and closed as per my request. As of XX/XX/2020 the letter states that my account balance is XXXX. I was also receiving harassing phone calls from restricted numbers at all hours of the night which is illegal. I usually wouldn't close a card because it would hurt my credit, but I had no choice as per these phone calls I just wanted them to stop. I have attached a photo of the document below ; as well as a photo of my credit history report which states that I had 100 % payment history until this point. Also I filed another report with the XXXX  yesterday and today ironically I received emails from XXXX XXXX stating that my account was updated to past due. My credit score of over XXXX has gone down to XXXX and I was turned down for a new credit card. I am considering legal action against the company if this can not be reversed. I absolutely will not and refuse to pay any fees associated with an order that I did not receive. Please see below documentation.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NJ)

I wrote out a balance transfer check for {$2500.00} that was deposited by the recipient on XX/XX/2020. I was charged {$2900.00} on my credit card account, plus the 5 % transfer fee which is now {$20.00} over. I have been in contact with Citi card multiple, multiple times ; I have been hung up on after being stuck on hold for long periods of time. I have a copy of the canceled check showing it was for {$2500.00}. I received that about two weeks ago. Every time I call, I keep getting the same answers - it's being investigated, 7-10 business days, 2-3 business days, investigation is open. Citi literally stole {$420.00} from me ; since they won't fix it, it's theft to me. I don't understand how this can't be resolved. If I have a copy of the canceled check, then THEY have a copy of the canceled check. I've seen many complaints on social media about very similar situations with Citi card, and some have been going through this for months!
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (NJ)

Purchased a laptop for XXXX {$4000.00}, paid XXXX {$800.00}, signed up for promotional credits to use BestBuy credit with Citi Bank. 

Waited for my card to come in the mail, never arrived, probably got charged late payment fee.

Got a new card a month after payment is due, set up a new account with new card, paid whatever minimum was due over the phone.

Discovered the following information within the account : Username :  XXXX Email : XXXX The email is linked to : Cell : XXXX *** XXXX Backup Email : XXXX I made this purchase at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX I believe there is internal fraud with the man responsible for my purchase - a XXXX, XXXX XXXX, XXXX XXXX, very knowledgeable about computers.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I noticed a problem with a car loan from XXXX XXXX XXXX that had been paid off after an accident was still showing a balance. I tried to get it corrected. They corrected the balance but showed me as being behind over 60 days on that account. The account was never behind and I have the documents to prove it. XXXX made my credit record worse by doing this. I've tried to get it corrected with XXXX, Transunion, and XXXX XXXX XXXX. Thank you!
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

1 ) Citi charged me a {$25.00} late fee on XX/XX/XXXX and a {$29.00} late fee on XX/XX/XXXX. On XX/XX/XXXX I mailed out a letter to Citi formally requesting them to mail me my billing statements and to stop paperless billing. This letter is attached to this complaint. Citi failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees. If Citi disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS,  XXXX, XXXX, or a certified mail receipt. 
____________________________________________________________________________________________________________ 2 ) Citi drastically reduced my credit limit from {$15000.00} to {$300.00} because of this. This negatively affected my credit scores with the 3 major credit bureaus. The available credit is one of the factors used when determining credit scores. I respectfully request that Citi reinstate my higher credit limit or at the very least increase it from the credit limit I am currently at.
Consumer complaint received 2020-10-13
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: JPMORGAN CHASE & CO. (GA)

Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised
Consumer complaint received 2020-10-14
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. (OH)

This is account is not OPEN and the credit agencies will be held liable for this action by reporting INIACCURRENT information to my credit report. No activity has been going with account and payments have been made. This account should be reported as " CLOSED '' and the credit agencies are in violation of the Fair Credit Act 611. 

In addition, to that XXXX XXXX does not OWN this account and it was sold to another party, so how can they report " INACCURRENT information on someone credit report. 

LAST DATE OF ACTIVITY WAS THE LAST PAYMENT MADE. Where is that information? 

I will contact the Attorney General Office as well for assistance with this matter.
Consumer complaint received 2020-10-14
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. (IN)

How come everyone recognizes my complaint as a repeat, nobody recognizes they never answered my question. What is truly amazing is nobody at cfpb recognized that TransUnion response is a form letter. Here we go again.

OK so lets start out again this is a repeat probably XXXX times over. Trans Union keeps telling me I need to go to XXXX XXXX. I keep telling TransUnion I did go to XXXX XXXX. Trans Union keeps stating that all they do is report was given to them. Yet the last time I called Trans Union they claim that a report was never given to them stating that I was delinquent. Yet Trans Union did show me delinquent. And again to re-iterate XXXX XXXX  has given me documents showing that they never showed me as delinquent. So again I ask why did Trans Union report me as delinquent with no such report or information was ever given to Trans Union. So lets repeat everything Trans Union keeps telling me to go to XXXX XXXX. I have multiple times. Trans Union keeps claiming that all they do is report was given to them. Yet they refuse to give up a copy of this so-called report. Why will not Trans Union give me a copy of what they claim they have. Yet when I called Trans Union they claim they didnt have it. Trans Union cant tell me why they showed me as delinquent all of them as a guess someone screwed up at TransUnion. What happened at TransUnion is my question. Again I have gone to XXXX XXXX  many times so stop telling me I need to contact XXXX XXXX. Nobody ever reported to Trans Union that I was delinquent. Yet Trans Union showed me as delinquent. Why
Consumer complaint received 2020-10-13
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: JPMORGAN CHASE & CO. (NC)

Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IL)

Good afternoon, My name is XXXX XXXX. My husband, XXXX XXXX and I submitted a mortgage refinance application via Amerisave.com on XX/XX/2020. We were promised a rate of 2.25 % by originator, XXXX XXXX although we knew additional information and paperwork would need to be collected in order to lock in that rate. Our original Closing Date was estimated as XX/XX/2020. We have signed numerous lock agreements, extending the 2.25 % promised since early XXXX. Given our credit scores range from 790 to 850 and we have over 40 % equity in our home, which is a primary residence, I am very confused as to why this process is taking so long. XXXX XXXX was assigned as our processor in XXXX. Since that time communication with both XXXX and XXXX has been spotty. Sometimes they reply quickly to let us know that they were " just pulling up our file '' and will give us a call shortly which rarely results in a call. I have spoken with XXXX once in the past month where he said that he looked at our file and nothing looks out of place that would cause a delay, yet, here we sit, 105 days after our original application. I have asked repeatedly for this situation to be escalated. XXXX and XXXX have told me that they have both escalated with their managers but won't give me contact information on their managers so that I can reach out directly. My fear now is that this company isn't even valid and what if I sent a lot of very sensitive information to them with which they could do damaging things to my husband and I. I work for a Bank and am shocked that I am actually filing a complaint with the CFPB but I am truly at my wit 's end and am also very concerned. 
Application # XXXX Thanks! 
XXXX and XXXX XXXX
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The card rejects all the purchases on my Mastercard and XXXX card issues by BOA. I have contacted them 3 times but they refuse to discuss it unless I confirm the text message sent to me. I DON '' T HAVE TEXTING SERVICES.

It looks like an unprofessional supervisor initiated these limitations knowing that I don't receive text messages.
Consumer complaint received 2020-10-14
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. (GA)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER ALSO THESE ACCOUNTS ARE UNDER BANK REPUTCY I NEVER FILED FOR ANY OF THAT IN MY LIFE THIS INFORAMATION IS FALSE I WAS VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (MD)

My TD Cash credit card was blocked by the decision of TD, which decision I do not support.

According to TD : TD credit card blocked on XXXX, unblocked on XXXX According to TD : {$500.00} charged at a grocery store on XX/XX/2020, charge posted on 14th, payment of {$500.00} posted on XXXX According to TD : {$6.00} charged at the same grocery store on XX/XX/2020, charge posted on 21st, payment of {$6.00} posted on XXXX I didn't receive the 2 % reward for my {$500.00} purchase but received instead only 1 %. 
I asked about receiving the additional 1 % and was told that I had to wait longer. So I waited at least about one month longer. 
Then I asked about receiving the additional 1 % and was told that the store from which I made the {$500.00} was not considered a grocery store. So I made a {$6.00} purchase from the same store and waited almost a month. I confirmed that I had indeed received a 2 % reward on the {$6.00} purchase. 
Then I asked about receiving the additional 1 %, letting them know that I had received a 2 % reward on the {$6.00} purchase from the same store at which I had spent the {$500.00}, and was told that they wouldn't provide it.
Consumer complaint received 2020-10-14
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. (OH)

DEPT OF EDUCATION/XXXX  is stating the was late on the 5 account with the same account # XXXX. I will NEVER LATE ON THESE ACCOUNTS. 

Please provide method of verification of late payments and process used, I'm exercising my right under the Fair Credit Act as well. Please provide PHYISCAL PROOF of late payments as this information is not accurate. Fair Credit 611 Please correct payment history
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc. (SC)

The Santander Consumer USA wrote a loan for a used XXXX, and the loan was closed. The NC Attorney General filed a civil action against Santander Consumer USA for the very same reasons that included the used car loan. Both reached a settlement agreement, including the following settlement summary in attachments. The settlement was to remove all the debt and dissolve them from the credit report. The record should from Santander Consumer USA should be removed from the credit report.
Consumer complaint received 2020-10-14
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: Nelnet, Inc. (OH)

DEPT OF EDUCATION/NELN is stating the was late on the 5 account with the same account # XXXX. I will NEVER LATE ON THESE ACCOUNTS. 

Please provide method of verification of late payments and process used, I'm exercising my right under the Fair Credit Act as well. Please provide PHYISCAL PROOF of late payments as this information is not accurate. Fair Credit 611 Please correct payment history
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

the information on on my credit bankruptcy should not be on my public record i am victim of identity theft and mistaken identity ( date report XX/XX/2016 ) ref # XXXX this should not be on my credit report does not belong to me