davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-01
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. (OH)

I have disputed a chapter XXXX bankruptcy shown on all XXXX bureau reports XXXX times over the past XXXX years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past XXXX years. Thus my complaint is against XXXX, transunion and XXXX for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. Thank you
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

So I got a Synchrony Bank Credit Card for my XXXX aligners. I paid monthly either the minimum or more, never late. For this months bill due the first of XXXX, I paid on time {$60.00} ( {$50.00} min ) the XXXX of XXXX. I used my moms card to help pay this time which went through with ease, transaction shows on her side as well. 
Today the first, I went to go to XXXX and when I went to pay, it said transaction denied. I checked my bank and it showed I was charged a Withdrawal/Overdrawn for {$30.00} from Synchrony Bank . I texted with an agent explaining and they said they had no charge of {$30.00} on their side, only the {$60.00} that went through. They said they couldnt do anything since they didnt see a charge on their side and to call. I call and same thing, that I must wait 2 days to dispute only if my charge shows on the Synchrony bank as well. I never once had an issue paying when I had a low amount of money paying on time and also charged an overdraft fee.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IL)

Someone opened a paypal credit card in my name in XXXX ( i moved out of that address in XXXX ). I got a summons for a court date and i told the judge it was fraudulent charges. He told me to work with the other party. The rep was from XXXX XXXX XXXX. 
XXXX XXXX XXXX who represents XXXX XXXX, i have complained to both that I did not make the charges and they should research the original application for credit and who applied for it. 
Now they keep sending me a bill demanding more than XXXX.
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

I was being charged {$2000.00} a year for auto insurance with XXXX XXXX which is outrageous. They raised my premium due to an accident that was clearly not my fault. 
So, I found a policy with identical coverage for {$1100.00} a year and the new insurance company started on XX/XX/XXXX. My insurance with XXXX was paid to XX/XX/XXXX. 
I DID NOT authorize XXXX to continue my coverage and it should have been cancelled for non-payment and instead, they chose to continue my insurance WITHOUT my authorization as I just found out over this last weekend by receiving a notice from a COLLECTION Company! This is WRONG WRONG WRONG. 
All 3 of my credit scores are VERY HIGH and I have worked very hard for that. This is injuring my credit history and XXXX XXXX ( Who is the Insurance Broker ) need to correct this and have it removed from my credit history.
Consumer complaint received 2017-12-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION (TX)

I tried to contact the bank first because somebody used the business card of our company to buy different items. As soon we noticed that some transactions happened in XXXX we went to the bank to block the debit card and to make a report. 

A couple of days ago the bank responded that they think we made the transaction. I have enough notes that we were in XXXX during the incident and all the transaction says something about XXXX. 

We want to resolve this issue because the amount is over {$3000.00} and we need the money to keep working. We just missed our sales monthly goal due to this incident because we did not had enough gas to keep driving and go to work with our employees.
Consumer complaint received 2018-01-08
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: WELLS FARGO & COMPANY (NY)

I relieved a letter today from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/17, stating my recent application for a XXXX XXXX XXXX XXXX credit card, which is issued by XXXX XXXX XXXX XXXX XXXXk, was denied. The problem is I have never filled out an application for this credit card, or any other credit card for that matter. I never authorized anybody to run my credit score, nor did I ever fill out any applications from wells Fargo bank. 
The credit agency that ran my credit without my approval is XXXX.
Consumer complaint received 2018-01-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (CA)

At the beginning of XX/XX/XXXX, I received a letter from the Bank of the West based here in XXXX XXXX metropolitan area. It invited me to open a Premier Checking account by XX/XX/XXXX, and maintain an average monthly balance of {$50000.00} in eligible accounts. By XX/XX/XXXX, {$600.00} bonus will be credited to this Bank of the West Premier Checking account. 

I took the offer and opened a checking account and a money market & Savings account in XX/XX/XXXX. An amount bit over {$50000.00} was deposited and maintained there until the end of XX/XX/XXXX. At the early XX/XX/XXXX, I checked my accounts with the Bank of the West. There were no {$600.00} bonus credited as the letter promised. I called their customer service phone number, a woman with harsh voice told me, the bonus would n't credit to my accounts because there had been very little activities in my accounts during the said time. 

I stated that the invitation letter mailed to me only required : 1. Opening deposit must be received and deposited to the account no later than XX/XX/XXXX. 2. Accounts must be in open status and have a positive balance as of XX/XX/XXXX.  3. Bonus must be credited by XX/XX/XXXX. 4. All accounts are subject to the Bank 's standard terms and conditions and Schedule of Fees and Charges. I did n't see any regulation/demand on the letter stating that the new opened account ( s ) must have certain level of activities during the above said time in order to obtain the {$600.00} bonus. 

The woman in their customer service just irrespectively rejected my request to have the {$600.00} bonus promised by their invitation letter. 

The Bank of the West used a false advertisement to allure me to open a new account with a big amount of money deposited and maintained in it for about five months for their usage. Then just refused to execute their obligation as we both parties agreed at the beginning. It 's a dishonorable and fraudulent action. 

I am a retiree with limited income. I do n't have necessary resources to challenge their disgraceful schemes targeted on me and other people alike. 

I am submitting you my complaint herewith and hope you would take actions to make the Bank of the West to give me the credit for the bonus they offered.
Consumer complaint received 2017-12-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION (TX)

I have two accounts with XXXX XXXX XXXX. 

SOMEBODY USED MY CREDIT CARD TO BUY THINGS FROM XXXX. THEY EVEN CHARGE ME ISA FEE. 

THE TOTAL AMOUNT IS MORE THAN {$3000.00} THE BANK SAYS THAT I APPROVED THE TRANSACTIONS THAT I DID NOT.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MA)

I demand from PayPal that whatever amount they have received in the account XXXX, any credit transaction in this account I demand that it be remitted to the original credit, since this account was sold without my consent to XXXX XXXX XXXX. Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral or other transfer of any interest in a debt will cause the consumer. I have never consented to PayPal to sell any alleged debt. And to tell you that your information is incorrect, I have never had an account with XXXX  XXXX bank, it is false that I made a payment to you from a XXXX  XXXX  XXXX  account. they will have to prove that information because it is false.
Consumer complaint received 2018-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-12-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (OR)

Letters to XXXX XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. After calling the company who could find no record of my account but stated they had a fire 15 years earlier in their records storage building. Second call with my brother XXXX XXXX with no satisfaction I wrote to the XXXX, XXXX XXXX. 2nd letter brought a response, also not satisfactory. 
Letter in response from XXXX XXXX XXXX/XXXX/XXXX,
Consumer complaint received 2020-04-19
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. (TX)

XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (MD)

Roundpoint Mortgage Servicing I submitted my Loan modification application with all proper documentation on X/XX/2017. The company kept saying they did n't receive it or it wasnt complete. During that time they even removed my application and said I had to start over. I resubmitted 13 times and made hundreds of calls over the past few months. They finally said my application was complete on XX/XX/2017. I am awaiting their response now. I believe my application should have been fast tracked and I still have to wait.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

PURCHASED A MONEYGRAM MONEY ORDER AT XXXX # XXXX IT WAS DAMAGED. I REQUESTED A REPLACEMENT. MONEYGRAM CHARGED ME XXXX DOLLARS TO REPLACE THE MONEY ORDER. I PROVIDED DRIVER LICENSE AND TYPED MY NAME CORRECTLY. I RECEIVED THE REPLACEMENT MONEY ORDER WITH ERRORS ON THE NAME. I WENT TO XXXX AND TO THE BANK TO CASH IT. XXXX  REFUSED AND THE BANK REFUSED TO CASH STATING THE NAME DOES NOT MATCH WITH THE DRIVER LICENSE. POLICE WERE SEEING ME AS A SUSPECT OF WANTING TO CASH A STOLEN CHECK. I AM THE PURCHASER OF THE MONEY ORDER AND THE ONLY PERSON THAT CAN CASH IT. SEEMS ANY TIME I TRY TO CONTACT THERE IS NO ONE TO SPEAK WITH. I HAVE USED THE ONLINE COMPLAIN GOT SUPPORT TRACKING # XXXX AND WITHIN MONEYGRAM THEY HAVE A FRAUD REPORT CENTER WITH A CASE # XXXX I NEED TO HAVE THE MONEY AS SOON AS POSSIBLE I HAVE REQUESTED TO HAVE IT AVAILABLE AT ANY BANK AND TO RELEASE THE FUNDS AS THE ERRORS ARE NOT MY FAULT. I SHOULD NOT BE CHARGED AGAIN XXXX TO GET MY MONEY BACK.
Consumer complaint received 2018-01-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

So I started off with XXXX on my loan in XXXX. Now I 'm up to XXXX on the same loan. I have been dealing with Navient who holds my loans. The loans have been put on forbearance and now been on income repayment plan but no matter what I do, my loan keeps going up XXXX dollars every year. This last time I asked why and they said it was the interest but if I look on the documents they gave me for all the income repayment plans and forbearance is explained the opposite. I also try to claim that when I graduated from XXXX, the loan was higher then what I applied for. XXXX XXXX/ Navient never looked into for me. I need help!
Consumer complaint received 2018-01-08
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. (PA)

Upon applying for a loan at my XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have XXXX XXXX downloaded on my phone. That night i got a ding from XXXX XXXX. XXXX XXXX XXXX had hit my credit ... like i had applied for a loan there. I have not. Also, XXXX/XXXX had onXX/XX/XXXX. And XXXX on XX/XX/XXXX ... There is no reason for any of them to hit my credit. As a result my Credit score has gone down from XXXX to XXXX and XXXX. I would like to know why and how they acess my account without me asking them to. I am trying to get my credit back in check. Any help you can give me would be much appreciated. Thank You, XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, a billing statement, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account attached in the document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character
Consumer complaint received 2021-02-09
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. (GA)

I disputed errors on my credit reports in XX/XX/2020. I sent letters explaining the errors to Transunion, XXXX, and transunion. I have not gotten a response in over 30 days from either company. I am aware that under the fair credit reporting act that these companies have 30 days from the date they receive my dispute to validate any inaccuracies on my credit reports. These unverified accounts are preventing me from funding that would help my business prosper.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

XXXX XXXX closed my XXXX XXXX account as soon as I paid it off in full. There reason was because of what the credit bureau reported to them. I had not once been late with a payment to this account and I had enrolled in automatic payments to assure that the account would be paid monthly and on time. I 'm very confused!
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Transaction issue — 
Company: TD BANK US HOLDING COMPANY (WV)

I gave my credit card number to XXXX for installation of internet service. I did not authorize any other charges on this card. I assumed as all communications service companies they would bill me direct after the installation was completed. The service had serious speed issues. Web page were at a constant slow crawl and would often time out before connecting. XXXX failed to correct these problems.. Please bear in mind that I was sold High Speed Internet Service. So after no action the first 30 days I called to cancel the service. I was transferred to XXXX XXXX and he talked me into continuing the service while they work on the issues. Another 30 days past with no action on their part and I called and cancel again. At that time the customer service rep told be they would cancel the service and send me prepaid postage boxes to return their equipment and send me a final bill, and that would be the end of it. Target Bank Redcard has taken it upon themselves to resolve this issue by billing me for a early termination fee that I should not even owe and while at the same time XXXX has also billed me direct. For a service I never received.
Consumer complaint received 2021-09-11
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: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2018-06-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (CA)

I have no knowledge of these accounts and need to have them removed from my credit report. I am just starting to clean up my credit and I realized that there were accounts that are not even mine. I have filed complaints with XXXX  but have not been able to do the same with XXXX. Their site is garbage. I really need help with this.
Consumer complaint received 2018-01-08
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: Experian Information Solutions Inc. (LA)

I recently placed a fraud alert on my credit report because I was the victim of identity theft. The account does not have my name or third generation attached. How was this account opened? The following account XXXX XXXX XXXX XXXX was opened fraudulently on XX/XX/XXXX. I have filed an affidavit with the local police department and sent copies of it to the credit bureaus. I also reported the issue to XXXX XXXX XXXX XXXX. Although, the company has not responded. I expect that it will be resolved quickly.
Consumer complaint received 2018-01-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (IN)

I have an item on my Equifax report that is from a company called XXXX XXXX for XXXX. This is not mine for starters, and they have changed the date of delinquency on 4 different occasions, it appeared for the first time in XX/XX/XXXX and recently as of XX/XX/XXXX, they changed it to XX/XX/XXXX. Thus constantly moving the drop off date. 
It should drop off this month ... XX/XX/XXXX, but they changed the date. 
I have reached out to both XXXX and Equifax to no avail!! 
Please help. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXXXXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.