davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

The synchrony bank amazon prime store card has been charging interest fees without disclosing the correct payment amount to avoid interest fees. I called today to ask where online or on the invoice to determine that amount. I have been paying on time according to the promotional balance information and have been charged interest fees for a year. During my call, the representative from synchrony confirmed there was no way online or looking at the invoice to determine how much should be paid to avoid interest fees. In my opinion this is done specifically for synchrony to mislead consumers. I asked for them to refund all the interest fees and they said they were only to remove for one month. I would like to see the synchrony to remove all interest fees, and to clearly provide what payment is necessary to avoid interest fees online and within their statements.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.
Consumer complaint received 2022-08-11
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for the XXXX XXXX and the bank 's records ( learned through more research both parties require ). Please remove these files as they were the results of Identit Theft : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these information belong to me I will require all documentation that bears my signature ( another research item I found that requires the Credit Bureaus to verify with 100 % accuracy that each itms is 100 % true, accurate, correct, complete & VERIFIABLE ). If the Credit Reporting Agencies do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (TX)

I have been a victim of id theft and reported such incident to the proper authority. 
i have several accounts and inquiries that i do not recognize and asked that they be blocked, deleted. Subsection 604 in the FCRA ( which is the same as 15 USC 1681b ) I didn't authorize the reporting of that debt to the credit agencies. 

Unauthorized Inquiries need to be deleted XXXX XXXX XXXX XX/XX/2022 ON EXPERIAN CREDIT REPORT XXXX XX/XX/2022 EXPERIAN CREDIT REPORT XXXX, XXXX XX/XX/2022 XXXX CREDIT REPORT XXXX XXXX XXXX XX/XX/2022 XXXX CREDIT REPORT CREDIT PLUS XX/XX/2022 XXXX CREDIT REPORT
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (WI)

World finance sold the account back in XXXX and charged it off as a lose. They stopped reporting on it and then suddenly in XXXX decided to start reporting again and raised a {$520.00} balance to over {$3000.00} when I brought this to their attention and told then they could not do this and they could not longer report to my credit as they had sold the account they ignored me and continued to report on my credit.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XX/XX/XXXX XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XXXX/XXXX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE, DAMAGING TO MY CHARACTER, and also fraudulent. To date, I have not received results of the requested re-investigation. In my previous request, I listed my reasons for disputing the information. Those reasons included making sure that the information being furnished was accurate. Neither credit reporting agency has been able to prove accuracy and completeness of their reporting on my personal credit reports. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please see my reasons for dispute below : Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : CXXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX All the listed accounts are in violation of my consumer rights with regards to my consumers right to privacy. This harmful public information is placing my life and the lives of my family in danger. Please remove these negative, harmful and fraudulent accounts from my report. I just want to live free as God intended. Violations so far- 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I also understand that you are required to notify me of your results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. Sincerely, XXXX XXXX
Consumer complaint received 2022-07-31
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. (DC)

I called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/XXXX is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file. 

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (GA)

I was dealing with an dispute made on XX/XX/2019 regarding transactions made while I was at work and one particular transaction was at an ATM machine where there are cameras. I spoke with an account specialist who open up the investigation in the amount of {$240.00} and change. Well yesterday I was suppose had a call back from her supervisor which she closed my dispute after I reported the company to the better business bureau three times.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (PA)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX : XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2023-07-11
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. (FL)

attached is the CERTIFIED MAIL FROM USPS XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open options Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2020-08-28
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. (CA)

On XX/XX/2020 i filed disputes with all 3 credit bureaus. I have yet to received a reply from any of them. Its has now been over 50 days and i feel that more then enough time to reply to my request.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I had deposited ample funds to pay my bills for XX/XX/XXXX. After paying an online bill I checked my online account on XX/XX/XXXX at XXXX and found that I had a negative balance. After checking my recent account transactions deposits, I found a check cashed for {$800.00} on XX/XX/XXXX. I did not recognize the transaction and downloaded the image of the check from the bank website. The image of the check showed that it had been altered, the original payee was changed from an institution to an individual name, the original amount was written out and changed to a larger amount and the original amount was changed from {$80.00} to {$800.00}. Also, my signature was altered but the memo section of the check still showed tithes. The back of the check was also accessible online and it was totally illegible as to where the check was cashed and the person signed the back in script. I called the US Bank 1800 line and submitted a check fraud report immediately. I asked if they could tell who was the cashing institution and they said they couldn't. Then the next day on XX/XX/XXXX I went to my bank branch and reported the fraud and closed the account. I asked for my funds to be restored to my account but my bank refused and said they would need to investigate first. A report was submitted by the bank agent on XX/XX/XXXX, but this person did not follow proper submission procedure and so the report was not filled with this bank 's fraud department ( it just sat in limbo!! This person should be retrained!! ), and when I checked on progress I had to make a 2nd report and ask for a re-submit on XX/XX/XXXX with the bank fraud department. In the meantime, The person submitted the forged check again ( same check number as verified by the caller ) at another bank and asked this bank to cash it. This bank called me to verify that it could be cashed and I said, " no! '' and told them it was forged and I asked the caller how they got my name and phone number. The caller declined to tell me and would not tell me where this branch was located. I tried again by telephone on XXXX and XX/XX/XXXX to ask the bank to please restore my deposited money which was taken out by this forged check but they are refusing. I have made a police report, I have copies of the forged check, dates, times and transaction references of the forged check cashing and I need restoration of my funds. I am not a criminal. This time lapse in resolving the problem of this check forgery resulting in removal of my deposited amount has created a financial burden on me and many mental, emotional hardships and I need my account restored to pay bills. This is more than a month later as of this date, this is time enough to resolve this issue with the evidence available.
Consumer complaint received 2023-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I have tried numerous times to get validation from this company. I have sent several letters in which they ignored. I have filed complaints through the consumer financial protection bureau. They company just sends a blanket letter stating they didnt receive appropriate documentation and then apologize but do not fix the issue. There are nothing but complaints about this companies tactics, collection attempts, and falsely claimed owed debts yet they continue to refuse to validate appropriately the debt. At this point I have seemed legal representation to take action against this company. They continue to report falsely to my credit report and other customers therefore we will no address them through legal actions. This company should not even be allowed to conduct business with all of their complaints and illegal tactics.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HYUNDAI CAPITAL AMERICA (MA)

I paid my Kia lease off early and they have been reporting me as charged off/judgment for 2 years.

I turned my XXXX XXXX lease in early XX/XX/XXXX the same day we bought my new XXXX XXXX. ( They documented my grounding receipt for XX/XX/XXXX ) The XXXX lease was scheduled to end XX/XX/XXXX. I made a final payment of {$1300.00} on XXXX, XXXX, XXXX to close out the lease thru XX/XX/XXXX. I was waiting for the final statement, taxes etc if any. I tried calling them 2 weeks later and they had no receipt of the car for months. XXXX XXXX XXXX lost the car. 
Finally in XXXX XXXX XXXX I received a letter stating I owed them taxes etc at {$840.00} and I paid that XX/XX/XXXX and received a paid in full letter. 
I only noticed this recently when I was refused a credit card offer and the explanation was due to a charge off on the account. When I called XXXX, the automated system stated I had just made a payment of {$840.00} on XX/XX/XXXX! My last payment to them was on XX/XX/XXXX. 
They are also reporting that I paid monthly from XXXX and made monthly payments. I did not as I paid upfront to end the lease on XX/XX/XXXX and was waiting for the final bill. They are not reporting me as paid early and paid in full. 
The grounding receipt is wrong as I grounded it the same day I bought the XXXX XX/XX/XXXX and NOT XX/XX/XXXX. 
This is costing me money because I can not refinance my home unless this is remedied, this is also causing me emotional stress as I have complained and called the company who does not care to remedy this..
Consumer complaint received 2023-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (RI)

I have submitted a complaint already on this issue. I understand the company has time to respond, however we have called and left messages and no response back. This is costing my husband and I hundreds of dollars a month due to their error. I have spoken to town hall and received documents supporting the payments were always made quarterly and never in one lump sum. I advised fifth third of this and they continue to state that they were told by the old mortgage company that they were to be paid in one lump sum. However, I also have the proof and documents to so that they old company paid quarterly. Our mortgage has gone up and we want it back to the original amount. We can't not pay what they are claiming in the meantime because they would foreclose for not paying the amount. This was completely their mistake, and we should not be responsible for it. They can request a refund from the town and then pay quarterly like that should have been the whole time. Our broker has even explained this to them on a three-way call, stating he has the proof in the closing documents stating how the escrow was set up. This needs to be handled and fixed ASAP as we again are paying hundreds more a month that we should and that is really adding up over the months.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My husbands credit score decreased on XX/XX/XXXX & XXXX, 15points each without any explanation We contacted both Experian several times and FICO and they gave us vague answers as to why, which were completely irrelevant. 

We are about to close on a house and we are stuck because our lives are hinging on this and we can not get answers We feel we as consumers who have our hands tied should at least know WHY a score has changed or dont change it! We are being ripped off by credit bureaus and their reporting Report but explain or dont report!! 

We dont know if its an error or we are doing something wrong