davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
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)

T

o : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}. 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/2020 and the subsequent response received on XX/XX/2020 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. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5900.00} -This is not my account.
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}.

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/2020 and the subsequent response received on XX/XX/2020 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.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5900.00} -This is not my account.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I have sent Santander Consumer USA validation letters back in XX/XX/2020. I have disputed this account several times asking for validation of debt and have not received any correspondence back from Santander Consumer USA. They also have incorrect information reporting to my XXXX  and XXXX  credit report.
Consumer complaint received 2020-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Fund (CA)

I discovered that the lender added approximately {$1800.00} in unstated, unauthorized, and unwarranted, legal fees after I took out a loan with them. I contacted the lender and asked them to remove the fees.

I informed them that there wasn't any mention of said fees in my loan agreement. The lender could not identify any clause in the contract that outlined any such fees, and they refuse to remove them still. This is a violation of fiduciary duty, fraud, and predatory lending.
Consumer complaint received 2019-11-23
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: LEXISNEXIS (NV)

I have sent my FTC affidavit to these companies so they can remove the erroneous information that they report to the credit reporting agencies also I sent in a request not to release any of my personal information to any of the credit reporting agencies no limited to but XXXX, XXXX, and XXXX. These 3rd party companies are still refusing to freeze and or remove information on my file even after sending my FTC affidavit. This is my final attempt to rectify this situation before seeking legal action. I am a nevada resident and I did not file bankruptcy nor do the accounts whom are on my credit belongs to me which are under a bankruptcy. The information XXXX XXXX and LexisNexis are not of mine. Obviously someone with a similar name but different demographic information is getting mixed up with my name.
Consumer complaint received 2019-11-23
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: Clarity Services (NV)

I have sent my FTC affidavit to these companies so they can remove the erroneous information that they report to the credit reporting agencies also I sent in a request not to release any of my personal information to any of the credit reporting agencies no limited to but XXXX, XXXX, and XXXX. These 3rd party companies are still refusing to freeze and or remove information on my file even after sending my FTC affidavit. This is my final attempt to rectify this situation before seeking legal action. I am a nevada resident and I did not file bankruptcy nor do the accounts whom are on my credit belongs to me which are under a bankruptcy. The information Clarity Services and XXXX are not of mine. Obviously someone with a similar name but different demographic information is getting mixed up with my name.
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
Consumer complaint received 2020-09-13
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank pulled my credit three times in a 20 day window for a secured credit card, because of their own mistakes. Per Regulation B also known as the Fair Credit Reporting Act, I believe that since the additional pulls were due to their own incompetentce, they could have reused the first pull. Instead, as a young consumer my credit score has been affected due to a high number of hard inquiries ( 3 our of my 4 hard inquiries are due to their incompetentce ).
Consumer complaint received 2020-09-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 and on XX/XX/2020 Bank of America charged me a {$5.00} " Monthly Maintenance Fee. '' It seems perhaps this is because my savings account balance fell below {$300.00} in XXXX, although if this were the case and falling below {$300.00} triggered such a fee, such a threshold is not mentioned on the website nor their documentation, and simply has not been communicated to me. 

Obviously this violation is de minimus, but the simple facts are ( 1 ) BoA never notified me either by email, text, phone, or letter about this fee or what I'm supposing is this {$300.00} rule, ( 2 ) I reviewed both their saving account page and their personal schedule of fees listed on my account, and neither mentions this {$5.00} fee or {$300.00} rule, and ( 3 ) I have maintained a savings account at BoA for over a decade without incurring such a fee. Although I am out a mere {$10.00}, I shudder at the true amount of money BoA is unjustly making at consumers ' expense by using such tactics -- charging a fee that is never mentioned to the consumer -- a fee whose existence can not be proven until it is incurred out of nowhere.
Consumer complaint received 2020-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OR)

I had an account with XXXX XXXXXXXX XXXX XXXXXXXX for over 3 years, but have only done 2 transactions with it. Each time it was the same type of transaction, transferring funds from my personal credit card to my personal checking account. The transfer didn't provide any benefit to me, it was just moving funds from one place to another. 

The first transfer in early XXXX caused no problems. When I did it again in XX/XX/XXXX, however, Square closed my account with no warning. They did accept the {$30.00} or {$40.00} fee I paid them, however. The transfer was for {$790.00}.
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}. 
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 ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (OH)

A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (UT)

XXXX Credit Card is charging larcenous interest & late fees even though I'm making regular payments. 
Activity for XXXX XXXX XXXX XXXX Current Balance : $ XXXX $ XXXX Last Payment XX/XX/2018 $ XXXX
Consumer complaint received 2018-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America granted a home equity loan on my property on XX/XX/XXXX with an appraisal and full underwriting requirements met. In XX/XX/XXXXthey notified me that the account would be blocked and they would only accept principal payments and interest. They would not re-advance any funds to the original loan amount. I had paid over {$8000.00} additional principal by XX/XX/XXXX ( I have paid and additional {$16000.00} since then ) and none of this I could use if ever I needed it. I was told I could get it re-instated if I provided comparable sales information to refute their claim of a value drop of 44 % in one year three months. Insurance, city assessed value, first mortgage holder, all have increased value or stayed the same. Now BOA say I can only be re-instated if I go through the entire underwriting process and have my rate increased. 
I went to another bank to replace the BOA Equity line and they agreed to loan it to me. My problem is that Bank of America says that because they had it in their original agreement with me that they want {$450.00} penalty to allow me to pay it off in total. I was never late on this or in any dealings with BOA, I have savings with them but even though they will not fulfill their obligation under the loan terms they expect me to have to pay a penalty. I think they should either waive the penalty or live up to the terms of the original loan. I have sent a letter to their executive relations department in North Carolina requesting this solution and I await their response. I spent over three hours with 6 of their customer service department, only to be told that nothing can be done because it's " policy of the bank ''.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I am writing because my personal credit rating dropped 180 points when I applied for a business credit card through Capital One. 

I received the attached invitation to apply for a credit card with Capital One. Per the instructions, I applied on-line and was approved for a card. We have used the card for a month and are not delinquent in our payments : our first payment is due about XX/XX/19. The card was approved XX/XX/19. Much to my surprise, I received an alert from XXXX XXXX on XX/XX/19 that my personal credit rating was downgraded on XX/XX/19 from XXXX to XXXX : entirely because of the credit card being applied to my personal credit rather than the corporation. When I called XXXX XXXX, they informed me that I simply needed to request that the credit request be reported via our tax ID number rather than my social security number as it is a business credit card. When I spoke with several people at Capital One, they informed me that we report to both business and personal credit agencies as my name is on the card and that is just the way we do it. 

This is incredibly damaging : as you can see from the flyer, there is NO indication that this card would impact my personal credit rating and I have no way of correcting it even though I have not been delinquent in paying debt, ever. This credit ding NEEDS TO BE REMOVED from my personal credit and accrue to the corporation as it is a BUSINESS and not a PERSONAL card. Even my application shows I am not the sole proprietor of this business. I would NEVER have applied for this card if I thought it would damage my personal credit so dramatically.
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (CA)

US Bank, and by extension, XXXX ( their bill pay system ) have screwed me. They have taken several payments from my account without the funds in my account. I have attempted to deal with them directly and I keep getting told how it was my fault and how I had to do all the work to get the money they took from me back. And now, a month later, I 'm finding out from my auto loan company that US Bank has received funds back from them, and I have n't received all of those back into my account. So, now, it certainly appears like they 're keeping the money that they took from me. I no longer use the account because I 'm not willing to be taken advantage of again. US Bank and XXXX are horrible, they blame the consumer, and then they keep your money. They say that they contact you, they say that they send letters to you, but then you never get them. They leave pre-scripted phone messages, and they are not very helpful in general. Of course, that is just my opinion. But, also my opinion means that they wo n't ever see a dime of mine again. And, if needed, I will go to court to fight for that. Because they are wrong in this situation and I will shout it from the rooftops, if necessary. I do not understand how a bank this size ca n't take responsibility for a fairly minor issue and just take ownership and cover the costs of their mistake. I deserve the {$1200.00} or so that they attempted to take from me and then they charge me for it.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Company : XXXX XXXX  XXXX Location : XXXX, Virginia Address : XXXX XXXX XXXX XXXX XXXX Number : XXXX Suspect : XXXX/XXXX  XXXX XXXX   XXXX XXXX Number : XXXX I recently started a business and I was looking to open a business

account with XXXX XXXX, however, after the bank representative told me that I couldn't I figured there was something going with my credit. I went home and checked my credit and saw a HARD check from this company listed above. Other Details : Recently I was granted a 2 year protective order against my biological father, and I believe he works at this company. Statement : This was done without my authorization and I am incredibly upset.
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USI Solutions Inc. (MO)

Sometime in XX/XX/2018, I started receiving phone calls from USI Solutions , Inc regarding a credit card from XXXX  XXXX XXXX that was in collections ( and also had a judgment against me ). In wanting to clean up my credit, I agreed to make a payment of {$2400.00} to settle the account. I received a letter stating the settlement agreement on XX/XX/2018. I made the payment. on XX/XX/2018 I received a letter stating the account was paid in full. 

in the process of applying for a loan, I was told the judgement was still on my record and was owned/initiated by another company. I contacted that company and was told the account was never settled and they didn't know who USI Solutions is. 

on XX/XX/2018 I contacted USI Solutions, Inc and spoke to a XXXX XXXX, who was very rude to me. He first told me he didn't know what company they had purchased my account from, so then I ask for a verification of debt letter, for which he told me the account was closed, and then told me it would take 30 - 90 days to get a verification letter, and then told me I would have to speak to the woman who handled my account but she wasn't there that day. 

So now, not only do I still owe over {$4000.00} for the judgement account, I can not get information on from USI Solutions as to how they have the account and to get my money back.
Consumer complaint received 2018-07-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Siwell Inc (TX)

On the end of XX/XX/XXXX I e-mailed XXXX XXXX XXXX company that the payment date is incorrect and would they up date it. I receive a note by e-mail saying they would check on it. 
In the end of XXXX it was still not corrected, XXXX XXXX  XXXX said they were having computer problems then and they would check on this. 
To THIS date and several e-mails to them again almost begging I have asked them to update the payment date. It shows " last payment made XX/XX/XXXX '' as of today 's date, XX/XX/XXXX. 
One lady said they can't do this, the credit agencies have to, when all three agencies said the mortgage company has to report last payment, that they were not allowed to change any dates without the mortgage company requesting this. 
XXXX XXXX XXXX company refuses to update my credit report all all three credit agencies, it is hurting my credit score. 
To ME, it is simple, but for some reason XXXX XXXX  XXXX won't do anything, can you help me?
Consumer complaint received 2020-03-26
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: CITIBANK, N.A. (PA)

I have filed a dispute in regards to the incorrect information that is on my credit report. Which relates to late/missed payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX  Monthly Payments Sunoco/CBNA XX/XX/XXXX $ XXXX  Monthly Payments XXXX XXXX XXXX XX/XX/XXXX {$62.00} Minimum monthly payment
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NC)

On XX/XX/2016, XXXX XXXX XXXX  was opened. We had a car with them and surrendered the vehicle due to undisclosed information for the temporary insurance they provided. The agreement was for us to utilize their insurance until we found a company that would insure our vehicle under full coverage. At the time we only had liability. Our monthly payment was higher due to XXXX XXXX insurance. A few months later we gained full coverage with XXXX  and called XXXX XXXX to give them the information and to cancel their insurance and go back to our regular monthly car loan payments. They told us they will not cancel their insurance it will continue on for the duration of our loan. We were outraged, we tried to speak with upper management. We was unsuccessful. We told them we would not continue business with them. They did not disclose that information nor did we sign any documentation stating their temporary insurance will stay on for the duration of our loan which meant we would have to pay two full coverage car insurance plus the car note payments. We told them to come and pick up the vehicle. We explained we placed new tires on the car, and replaced the car battery. They sold the car at an auction and did not include the updates. They then told us we had a remaining balance to pay them. We were again outraged. After a few months of searching for free legal representation, we received a notice of our credit report scoring plummeting tremendously due to XXXX XXXX placing us in collections. XXXX XXXX reported every month of non payment, even though we tried to state the fraudulent act they committed on us. We lost out on home purchasing due to them and as a result we had no choice but to pay the settlement amount they suggested to us in order for them to close the account and have it removed. It is 6 years later, they still havent removed themselves from our credit and placed the account as a charge off. We paid them in full.