davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
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 — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (MD)

I bought a car XX/XX/XXXX financed thread Suntrust my first payment was XX/XX/XXXX we pay that payment over the phone on time. The second pay was done on their web page with their bill pay to make things easer so that is what we did we summited the payment through web site and we got a conformation paper that i printed. So we payed the third payment through there web site again. When we went to the web sit to pay the 4th payment we noticed that the payments were rejected. In the mean time Suntrust had reported it to the credit bureau as being late and behind in my payments So we pay the payment up and call Suntrust to see what happened ad found out that they summit the account number to XXXX XXXX wrong and the were kicking pack the payments. So after we found out what the problem was we ask Sun trust to remove the derogatory statements from the Credit Bureau they said the would investigate it and let me know so I got conformation from my bank that proved that I made the payment and they kick them back. Sun trust came back with there decision that they were not going to remove the derogatory from my record and said it was my fault because I didn't check my bank account. I asked them why they didn't call and let me know they said that they did but didn't not leave a message I asked them what phone number did they call and they wouldn't tell me they said I could get it from the CFPB. The problem is from the web site and their bank. It had lowered my credit rating so I couldn't purchase the house that we were closing on in 24hours. I gave them all of the facts in documents can you please help us in resolving this problem.
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I have contacted the merchant and pay pal with supporting photographs of receiving WRONG product. This has not been resolved since XX/XX/XXXX, Pay pal representative, XXXX, directed me to return product to address on XXXX XXXX. 

To further upload tracking and receipt to PayPal.com/Il/uploaddoc I called to follow up and representative told me i had to wait for an email correspondence and was unhelpful in assisting my resolution of a three week open case for a product refund that I DID NOT ORDER
Consumer complaint received 2020-06-27
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: SYNCHRONY FINANCIAL (FL)

This is the THIRD CFBP complaint, as company has NOT taken proper steps to resolve my issue. History is below. 

On XX/XX/XXXX Synchrony pulled a credit report on my name / SSN but the credit enquiry was fradulent so I contacted Payplan/Syncrony the same date of the credit pull, to ask they remove it from my report. They told me it would be addressed in 7-10 days and acknoledged it was fraud. Case number with Paypal/Syncrony for that call is XXXX. I called in several times to follow up but speaking to someone who can help is close to impossible at this financia, institution, the system is made such that the consumer has to give up. 

On XX/XX/XXXX I submitted my first complaint to the CFBP, and someone from the Office of the President reached out to me on XX/XX/XXXX and told me I needed to wait 60 days from XX/XX/XXXX, which was date they removed it from XXXX reporting. The CFBP complaint ID is XXXX for that date. 

I wait. 

On XX/XX/XXXX as the issue is not resolved and multiple failed attempts to solve via email and phone with the Office of the president of Syncrony I file another complaint, XXXX. 

They responded with this info : On XX/XX/XXXX, we submitted an electronic request to the major credit bureaus to have the PayPal Credit inquiry dated XX/XX/XXXX, deleted from your credit bureau report. Previous requests were submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please allow up to 60 days for the credit bureau to update. 

More than 60 days have passed from XX/XX/XXXX, and again I contacted Syncrony via office of the President and I hear crickets. 

I have also a pending case with the FDIC as Syncrony is a member bank. 

I expect a swift resolution from Syncrony. Not a stock email telling me to wait another 60 days, because the chances that I wait another 60 days to have nothing solved is too high. Syncrony must resoilve the issue directly wit the credit reporting agencies and ensure that whatever is causing this not to be solved is ADDRESSED. 

I also had contacted the reporting agency, and they promtply replied in XXXX telling me that such disputes need to be solved with the financial institution. 

XXXX XXXX
Consumer complaint received 2020-06-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This complaint is in regards to credit card dispute of XX/XX/2020 for {$380.00}. 

On XX/XX/2020, USAA informed me that they will refuse to refund {$380.00} from XXXX XXXX ( XXXX  ) for a cancelled airline ticket reservation because the COVID-19 pandemic. 

USAA refuses to issue a written guarantee to refund the money if XXXX XXXX files for bankruptcy or there is no vaccination available by the time the voucher expires. 

USAA is enabling XXXX XXXX to apply 2 sets of standards because of the pandemic. One for XXXX XXXX in order to get exceptions & breaks, in addition to federal financial assistance. The other is for USAA members/consumers as myself by taking my money to use it as collateral for additional financing and warrants. 

The COVID-19 pandemic is a clear force majeure event. A force majeure entails both parties effectively voiding a contract and being returned to their previous position. It doesnt allow one party ( XXXX XXXX ) not to perform while still keeping the money. This unearned money in the books is being used as collateral for additional financing and warrants. XXXX XXXX carries chargeback insurance. 

USAA ( and XXXX XXXX ) are disregarding the Fair Credit Billing Act and Truth in Lending Act. The chargeback mechanism exists primarily for consumer protection. Holders of credit cards issued in the United States are afforded reversal rights by Regulation Z of the Truth in Lending Act. 

COVID-19 continues to be out of control in the US, including Florida. The Centers for Disease Control and Prevention ( CDC ) is clear : Because travel increases your chances of getting infected and spreading COVID-19, staying home is the best way to protect yourself and others from getting sick. It is highly probable that vaccination is not going to be available by the time the voucher expires. 

In regards to credit cards disputes, USAA is NOT for its members, but for the merchants, such as XXXX XXXX.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (LA)

National Credit Adjusters is reporting that I have a new debt with them starting on XXXX.This is incorrect, the debt was purchased from XXXX XXXX and is scheduled to fall off of my credit report next year. They are falsely putting this on my credit report as a debt that started in XXXX. The debt was not their debt they purchased and are trying to restart the debt. This is in violation of the Fair Debt Reporting Act.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

This account is closed with an outstanding balance but they continue to report it as open as Im missing payments to purposely hurt my credit score. 

Car was mechanically totaled because dealer failed to disclose it has not had a recall serviced on and had previous body work. Car is no longer in my possession.
Consumer complaint received 2020-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
CAPITAL ONE XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-06-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

On the XXXX XXXX, when transferring XXXX $ to XXXX on TransferWise, it will be XXXX until it's finished, after waiting until today, My account has been deactivated. site signs of appropriating money, my account was deactivated by no reason. TransferWise don't send any email about the completion then blocked my account for no reason. 
Please give my money back
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  and Transunion are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

XXXX # XXXX. 

Bought the Card in late XXXX. Visa gift card was compromised. On XX/XX/XXXX I got an email saying that a replacement card would be sent out within a maximum of 15 business days. It has now been 20 business days and I still have not received the replacement card. Their customer service is awful. Never do business with the black hawk network card carriers. Absolute crooks.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 120-180 ) days late on the USD/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove theis however, I have not been successful.
Consumer complaint received 2020-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (AL)

I have two separate banks one is PNC and the other is XXXX I use PNC for bill paying and normal deposits. I use XXXX for my work as an XXXX XXXX. I was trying to link my PNC account to it that way I could transfer money between the two and cit out some of the extra fees, I was also trying to create an account with XXXX the stock buying app. PNC would not allow the linked accounts. XXXX gave a message to contact the CFPB however I contacted PNC first to see of they could help. It was through there app not the phone. The person said it was not there problem I told them what was going on and the message that XXXX gave me. They said they don't know what to tell me and they have never heard of the CFPB. Then they ended the message. Unlike other times when I messaged them for something these messages were deleted after the call ended. My previous messages are still up as well as the survey I took after this incident. I should be able to transfer money from my own account when I want to. Please help.
Consumer complaint received 2020-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

signed up for transunion thinking it was a free credit report. 

they ask for personal information like name date of birth ect. 

when i got to the bottom it asked for my credir card info. 
i was timed at first to put it in and then i XXXX why does transunion want my credit card it stated it was for further verification on my personal info like if the adress was matching ro my and so forth so i entered my card number. then i got to checking my account to see if my previous activity i made on XXXX went through and XXXX sure enough i was charged {$26.00} from transunion!!!!!!!!!. i tried calling both them and my bank but being XXXX. no one is open at the moment but i plan to call my bank first thing and stop that XXXX payment. 

these people are a rip off and scam artist. and these people need to be stopped!!! 

during covid-19 of all times. my imcome is limited and yes i just ordered off XXXX. but i purchased tires and head light bulbs for my highlander so i can see at night and not blow a tire with a XXXX in my car. i make decent decisions with my finances and being on unemployment at the moment that {$26.00} they STOLE from me could have went to diapers or wipes or any countless other things. im glad i caught it off the get go and cancled the " subscription '' that i never even agreed to immediately. 

stop these XXXX crooks this happened on XXXX
Consumer complaint received 2020-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.
Consumer complaint received 2020-06-25
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: AMERICAN EXPRESS COMPANY (TX)

I purchased flights on my card in XX/XX/XXXX for travel in XX/XX/XXXX. XX/XX/XXXX the airline cancelled our flights and I requested a refund through them first. I never heard from the airline in 2 weeks so I decided to dispute the charges with my credit card company ( American Express ) on XX/XX/XXXX. I was told that the charges disputed would be resolved by XX/XX/XXXX. I never received any kind of update. I started calling the week before XX/XX/XXXX to look for an update. I was told I had to wait until XX/XX/XXXX. So I called back XX/XX/XXXX asking for the resolution. They told me they have no idea when it'll be resolved and to just keep waiting. I have asked to speak with supervisors and I just keep getting the same go around. No resolution. It's been 8 weeks. And they can't give me an update because they don't know how much longer it could be.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cogent Road, Inc. (CA)

Upon conducting a personal credit report review, I noticed that a company named FUNDING SUITE ( Actual Company name : XXXX XXXX prior company name : COGENT ROAD )  conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. 

This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. 

No consumer notification was submitted and this negligent act resulted in the personal credit damage. 

FUNDING SUITE ( Actual Company name : XXXX XXXX prior company name : COGENT ROAD ) conducted unauthorized credit check for the following date : XXXX XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (OK)

The week or day of XX/XX/XXXX, I was told by Kia Motors finance customer service representative to friendly render ( reposess-give back ) my XXXX XXXX XXXX although my car payments were up to date. The dealership big red sports and imports mistakenly financed the vehicle in my XXXX mother 's name rather than adding her as my cosigner and wouldn't correct the error and told me that after 6 months of payments that I would be able to call Kia Motors finance and that they would put the account in my name in which that was invalid and didn't happen, I was told that I would have to go to the dealership and refinance in my name and attempted to before ( 6 months of payment history ) and after my mother passed away XX/XX/XXXX and they resorted to offering a new vehicle sale, not to refinance. I sent XXXX with Kia Motors finance my mother 's death certificate and was made aware in XXXX of XXXX by the XXXX XXXX back-office that since there was not a power of attorney, the vehicle couldn't get placed in my name and that since the title was transferred over to me due to the vehicle being for my use and the payments were up to date and made by me since the account opened on XX/XX/XXXX that my name and mailing address, contact/profile information would be updated to my information and to continue to make payments as usual in which I did prior to being told to give them back the car by customer service. My car payment wasn't due until XX/XX/XXXX, customer service told me to friendly render the car on XX/XX/XXXX and I left it at a XXXX dealership on XX/XX/XXXX and advised XXXX XXXX XXXX XXXX XXXX  along with his XXXX XXXX customer service verbally, by chat/instant message & their online portal the location of where I left the vehicle for them to reposess ( friendly render ) per their request.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America send me a letter said current or past delinquency, derogatory public records or collections account, current or past delinquency with one or more of my creditors, Im all way paid my credit card, car loan, student loan on Times. I cant understand why my credit going down for any reason please help thanks
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TN)

All three credit bureaus : Experian, XXXX and XXXX can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records incidate my revolving credit has been established 14yr, 10 months. This was NOT reflected on my credit bureaus until I disputed a negative rating from XXXX, which was removed. Nearly immediately this Negative factor arose and no one will or can explain.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Equifax is incorrectly reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.