davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

During XX/XX/2019, I mailed a monthly payment check to USAA Bank towards my USAA RV  loan ( ending in XXXX ). I mailed a personal check on time for the payment amount of {$180.00}. Unfortunately the payment amount was actually {$180.00}. I was inadvertently XXXX cents short on my check. As a result, USAA issued me a 30- day late payment to the three major credit bureaus. After lengthy telephone calls and written requests for forgiveness to USAA representatives, USAA was adamant that the damage that they did to my credit was justified on their part due to my past XXXX  cent payment mistake. 

I was so frustrated with USAA reducing my FICO score over 50 points for a XXXX cent mistake on my part I immediately sold my RV and paid off the USAA RV loan.That was my first step to permanently end my banking relationship with USAA ( I have been associate with USAA since I was XXXX years old. I'm in my XXXX 's now ). 

Only after I filed my original ( first ) complaint during XX/XX/2019 with this Federal agency, which is a consumer protection watchdog over banks, did USAA CEO 's office finally agree to remove the related 30 XXXXday late from my credit history with the 3 major credit reporting agencies. They agreed that their actions against me were frivolous ( USAA 's notification of their 30  day late adverse action reversal/correction on file ). As a result, both XXXX  and XXXX removed the 30 XXXXday late from my credit reports, via USAA 's update to them. However, based on my telephonic discussions with XXXX XXXX, they were allegedly never notified by USAA to remove the 30 XXXXday late payment from my credit history. 

As a result. during XX/XX/2019, I finally place an investigation request with XXXX XXXX to remove USAA 's 30- day late mark on my credit report. The same 30- day late that USAA originally agreed to remove. In response to XXXX XXXXXXXX XXXX investigation, USAA decided to instead reissue their XX/XX/2019 30- day late RV  loan payment to the 3 major credit reporting agencies. 

I can't express enough my frustration with USAA 's unprofessionalism. As a result of USAA 's reissuance of a 30- day late for my frivolous XXXX cent RV loan payment mistake, I have been declined a mortgage refi loan due to XXXX and XXXX reducing my FICO score approximately 50 points ; due to USAA 's 30  day late payment reissuance notification ( My XXXX XXXX score remained the same ). 

To any potential consumers who wants to bank with USAA, I would strongly discourage any banking relationship with USAA ; via my personal adverse experience with them. I have always had positive consumer banking relationships with XXXX XXXX XXXX XXXX and XXXX XXXX. I would instead recommend those two financial institutions for loans
Consumer complaint received 2023-01-22
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. (WI)

I submitted a dispute to Equifax which mistakenly has the wrong spelling of my name. This is not my name. My name is not XXXX. They asked for evidence, I included images of my driver 's license ( attached ). They denied my claim, because they said I hadn't submitted evidence. I contacted them and told them I had submitted the evidence. They found it and said they would get back to me. They maintained the dispute anyway. I have no accounts in the name XXXX anywhere because this is not my name.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: SYNCHRONY FINANCIAL (NM)

On XX/XX/2017 I was making on online Walmart purchase when at checkout I was offered a {$35.00}. refund on any first purchase of {$75.00}. or more if I used the Walmart card. I applied only to get the {$35.00}. off - I do not need a credit card. I was transferred to Synchrony Bank ... who I told that I did not want their Mastercard ... I wanted a Walmart card. He said that I did not qualify and had to get the Synchrony which was the same as a Walmart card. It is not ; it is a Mastercard. Upon completion of the application process he says, your card will be mailed to you. I insisted, no, I need it right now in order to make my first purchase with the card in order to get the {$35.00}. He said, I can not give you the card # ; it must be mailed to you. I insisted again because I thought this was not what the offer online said, but he promised that this was the procedure and when I got the card, I was to use it and then I would get the {$35.00}. off. He was offensive and abrupt and unyielding. I was not pleased with this because we were about to leave on our annual XXXX trip to be gone for some months and quite frankly I was afraid that by the time we returned I would forget to use the card and get my discount. The card arrived in our forwarded mail some weeks later. I went to Walmart with the barcoded special discount that came with the card and welcome package and tried to use it to get the discount. The store said they had never seen this offer before but scanned it into their computer and told me that I would get this discounted off my credit card statement. I did not. I have done everything I can with both Synchrony and Walmart customer service in an effort to get them to honor this discount and they refuse. throughout the process I was never told that there would be a time limit of any kind. This advertisement may still be on the Walmart online shopping checkout. We are Seniors and feel that we have been taken severe advantage of.
Consumer complaint received 2018-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (UT)

On XX/XX/XXXX we purchased a brand new Hyundai Sonata from XXXX XXXX in XXXX Utah. We opted to put it on a loan ( altho we could have written a check and paid for it outright ) as they were offering an additional {$1000.00} in rebates. So we financed it and their finance department told us to pay a large chunk as soon as the loan was live online. 
The loan is through XXXX XXXX ( XXXX ), not through the local dealer and the problem lies with XXXX XXXX. 

On XX/XX/XXXX I made a payment of {$24000.00} that was to be applied 100 % to principle only. But they did not do that. They applied it to principle ( {$24000.00} ) & interest ( {$34.00} ). This made a complete mess of the loan. We should have 6 or 7 payments of {$440.00} each remaining, the payoff should occur in XXXX or XX/XX/XXXX. 

But their mistake caused multiple problems : 1. It changed the due date of my NEXT payment to XX/XX/XXXX! 
2. It changed the amount due for each payment to {$300.00} instead of {$440.00} I have called them 6 times at ( XXXX ) XXXX and I am getting the run around. 

I called first on XX/XX/XXXX as that is when I first noticed the error. I was told it should be fixed in 24 hours. It was not fixed in 24 hours. 
I called again on XX/XX/XXXX and was given the runaround again and this time I was told it would take 3-4 business days to reverse the payment and apply 100 % of it to principle. 
I called on XX/XX/XXXX as the problem was still not fixed. At this point I asked for a supervisor who was supposed to escalate it. 
I called on XX/XX/XXXX when I went online and found no changes to my account again. 
I called today, XX/XX/XXXX and was finally given to a supervisor named XXXX who told me that she would take care of it TODAY and call me back. Right now, 4 1/2 hours have elapsed and she has NOT called me back. So I called again and this time I got someone named XXXX. I asked her to transfer me to XXXX. She told me that she didn't know who XXXX was and couldn't do that. And yet, after I told her my next step would be to file this complaint, she had a miraculous restoration of memory and she told me that XXXX must be on a break or out at lunch. ( So she was lying to me in the first place about not knowing who XXXX is or where she was ). XXXX told me she would submit the request AGAIN and it would take ANOTHER 3-4 days. By this time, I'm boiling over and I said, " You have been telling me that for 9 days! '' So that is where I left it. I am frustrated beyond belief and in the meantime, we continue to accrue interest on the loan that we should not be accruing. 
I have dealt with them before on a short-term loan ( similar circumstances ) and just getting a simple address change done took 8-9 phone calls. They are maddening and should be thoroughly investigated. 
XXXX would like us to recommend them to our friends. Sorry. I can recommend the car itself but I would never, ever recommend XXXX XXXX to anyone.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX and XXXX were sent disputes in regards to fraudulent activity for accounts : XXXX XXXX  XXXX Account #  XXXXXXXX XXXX  XXXXXXXX XXXX-Account # XXXX XXXX ORIGINAL CREDITOR FOR XXXX XXXX  XXXX DEBT ACCOUNT # XXXX Verification of debt was not validated and no proof of verification was returned. 
Updated FTC # XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above.This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-07-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (CA)

I have a HELOC account with bank of the west. On XX/XX/XXXX, I made a payment of {$11000.00} for my HELOC account from my checking account with bank of the west using internet banking online. My outstanding balance was {$11000.00} on XX/XX/XXXX. The amount was deducted immediately from my checking account. However, it was never credited to my HELOC account. I have contacted the bank so many times over phone and email. The phone support kept asking me to wait for 2 business days 5 times and email support never respond. The phone support says it is escalated and will be resolved in 48 business hours but it never happens. I keep following up every 2 business days and it is frustrating to hear the same story. I want to pay off the loan and close my account but they are not processing this payment and the interest keeps incurring. I do not want to make a duplicate payment. I suspect there is some foul play at the bank with the payment issue to just prevent me from closing the loan account.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SUNTRUST BANKS, INC. (FL)

My checking account with Suntrust closed, causing my online banking profile to become invalid despite me having a Suntrust Credit card. I have contacted Suntrust multiple times to rectify to no avail. I need access to online banking to be able to use this CC effectively.
Consumer complaint received 2019-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Account Services, Inc. (NY)

DEAR ALLIED ACCOUNT SRVS, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX COLLEGE ORIGINAL AMOUNT {$2300.00} PLACED FOR COLLECTION : XX/XX/2019 PARTIAL ACCOUNT NUMBER : XXXX SINCERLY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2019-12-16
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: EQUIFAX, INC. (AR)

EQUIFAX ALLOWED XXXX XXXX LOAN NO.XXXX BE RE-INSERTED 67 TIMES WITH OUT 5 DAY NOTICE TO CONSUMERS BY CHANGING ACCCOUNTYPE ETC..
Consumer complaint received 2019-12-16
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: Incomm Holdings Inc. (MS)

I purchased a {$500.00} prepaid visa gift card ending in XXXX and used it to make a purchase at XXXX, a grocery store. However, when I returned the item from XXXX and was refunded, the cashier mistakenly refunded me {$.00} XXXX XXXX cents XXXX more than the original purchase amount. Although the refund was processed, my card was shut down because of the trivial discrepancy and I was forced to call Incomm customer service because my funds were frozen, and I could not buy food or pay for gas with my card. 
Incomm customer service told me to send them a photo of my original return receipt via email, as that is the only document I have. I sent that email days ago, without any response. I have just called Incomm customer service twice again today, and both times I was put on hold and then hung up on. This is absolutely inappropriate and no way to treat a customer or a human being. I am filing this report because as of now, Incomm has stolen {$500.00} from me and is unwilling to respond to my submitted documents. I even used the referenced case number in my email, but despite going the extra mile, I still have not gotten my money back. Incomm has obstructed my attempts to resolve the matter with them directly and has been completely evasive and disrespectful. This is clearly fraudulent activity and I demand my cards full balance reinstated and the card re-activated for use.
Consumer complaint received 2021-07-30
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: Experian Information Solutions Inc. (GA)

I sent a dispute letter over 40 days ago to experian and they have failed to deliver updated results so now they are still investigating this dispute which is a violation of the FCRA.
Consumer complaint received 2021-07-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire stress on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise.
Consumer complaint received 2021-07-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire stress on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$0.00}, {$4000.00}, {$5000.00}, {$0.00}, {$6600.00}, {$1600.00}, {$2000.00}, {$1500.00}, {$0.00}, {$680.00}, {$11000.00}, {$790.00}. 

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 ) -- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX  XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$2000.00} -This is not my account. 

9. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- COLLECTIONS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$680.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$790.00} -This is not my account.