davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

We lended XXXX dollars from synchrony bank in XXXX XXXX while buying appliances.we enrolled for paperless but never got statements in mail or email after multiole requests.Recently we were reviewing all accounts due to changed situations.To our shock, we found out that 1.After promotional period ended synchrony bank charged me interest not just in balance left but for total amount for XXXX percent interest, which is never heard of. 
2.I have explicitly asked them to remove insurance in XXXX over phone but they never did and kept charging 3.After paying them close to XXXX dollats, synchrony is expecting me to pay another XXXX to settle balance 3.In current covid situations this has been impossible and we r at total loss 4.please help n stop such fradulent practices 5.they hided all this in fine print n deceiving customers
Consumer complaint received 2023-11-07
Product: Credit reporting 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. (CA)

ON XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX AND XXXX XXXX XXXXXXXX ON XXXXXXXX XXXX MADE AN UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I was advised by employees at XXXX and Transunion to fill this out to remove the fraudulent and unauthorized inquiries from my credit report. Please remove them as I do not recognize them.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 XXXXXXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-11-07
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-19
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. (TX)

RE Account Numbers XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party.

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request.

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as Experian, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Consumer complaint received 2023-11-07
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. (OH)

I recently discovered that my credit report with Experian, XXXX XXXX, and XXXX contain account transactions that I do not recognize. The information contained in the reports do not match any transactions made by me. I have also been receiving calls from creditors which I know nothing about. 

Because of this, I have filed an identity theft report. I never gave any written consent for any of the companies being reported to furnish any of my identifying information to credit reporting agencies. I also never gave Experian, XXXX XXXX, and XXXX any consent or authority to obtain and utilize my identifying information. The credit reporting agencies are supposed to take reasonable procedures to ensure that they have proper consent and authority to report a consumer 's identifying information. 

I am not happy that my identifying information has been compromised and that the credit reporting agencies have overlooked this. These actions are considered to be criminal and are completely unfair to me.
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my XXXX Credit report theirs is one negative item that's 80 days past due its a fraud account last four XXXX it supposed to be removed from my XXXX Credit file I have a federal trade commission identity theft report on and on experian theirs two negative items that supposed to be removed from my experian credit report I have a federal trade commission identity theft report on file and trans union theirs is three negative items that supposed to be removed from my transunion report
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (NJ)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (IL)

My complaint has two parts : 1. I found that I am a member of Amazon Prime. even though I don't make enough purchases on Amazon to justify spending for this service. I canceled my Prime membership about one month ago. 

2. I have an Amazon credit card from Synchrony Bank that I used for purchases about once or twice since Synchrony claimed that I would get a discount by doing so. I then began receiving requests for payment, which I expected. I responded each time by paying in full. I stopped using the credit card when I noticed that monthly requests for payments continued, even many months afterward. The amounts appeared to be somewhat arbitrary, ranging from 35 to 50 dollars monthly. I finally called Synchrony Bank on XX/XX/XXXX to request an explanation. They responded that the charges were for Prime membership and for interest charges. Ideally, I would like to receive a refund for the amount that I overpaid and that these monthly requests stop.
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (TX)

The collection creditor " XXXX XXXX XXXX '' was recently removed from my credit report because I had no knowledge of it. Now it has been again wrongly added to my report but Equifax won't give me the option to dispute it. I only found out it was on my credit report because " XXXX XXXX '' notified me. I have tried to reach out to Equifax to dispute this account in the past and recently but was unsuccessful.
Consumer complaint received 2023-11-07
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. (VA)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$69.00} ; XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX Balance Owed XXXX {$330.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX
Consumer complaint received 2023-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I stopped going to my flight school ( XXXX XXXX XXXX ) and had them return the remained of the loan to Meritize. Meritize was notified on XX/XX/2023 that the remaining balance was being returned and the loan was going to be canceled. Meritize cashed the check, according to the flight school 's bank records, on XX/XX/2023. The money has not posted to my account as of today, XX/XX/2023. The company says the process takes 30-45 days, which I am past now, and I also believe to be fraud. No lender should take 45 days to post a payment while still collecting interest on that money. After I told the company that I thought it was fraud they said the the interest on the returned money would be refunded, however, they would not tell me how much money I still owed. Because of this I am not able to pay off the remaining balance and am therefor still paying interest on the remaining balance. I believe that they are doing this on purpose to defraud me of money. I have called several times and have been contacted several times by email, and they keep telling me that they are going to help me, but nothing seems to ever happen, and I just keep getting charged interest.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MA)

I've been attempting to make payments towards my loans since XX/XX/XXXX on my loans and even scheduled the payment for after the pause ended for the pandemic and Aidvantage keeps reversing my payments. I've used debit cards with maxed out withdrawal limits and savings account wires and both are being reversed. My last payment is now considered late and I'm being charged for being late. 

I've attempted payment on these dates : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, {$630.00} XX/XX/XXXX, {$630.00} XX/XX/XXXX XX/XX/XXXX, {$620.00} XX/XX/XXXX
Consumer complaint received 2023-11-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2023-11-07
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. (NJ)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XX/XX/XXXX
Consumer complaint received 2020-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Delta Management Associates, Inc. (VA)

Delta Management sent a letter to my employer asking the institute to deduct {$240.00} bi-weekly to service my defaulted student loan. I tried to negotiate the amount but the company refused to listen to me or work with me. I continued to pay until the federal government suspended all payments and collections in 2020 when COVID-19 break. 

Delta Management continued to convince my employer to deduct three payments and sent to them even when the Federal Government suspended all student loan payments and collection activities. 

I contacted Delta Management in XXXX and spoke to them almost every day to refund the money taken to me but they refunded one payment out of the three and promised to refund the rest in two weeks and that has not happened, I continue to call at least once a month all that I hear from the staff is " I am requesting a refund for you and it will take 2 weeks to get to you. '' I have not received the two refunds since XX/XX/2020. Please help me to get my refund since my request is informed by a legislative instrument. Any time I called in the past, they take my address and phone number which I willingly provide but they consistently said " we have a wrong address. '' but they have sent a check to me by address. 

Thank you for the support XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

We were offered a streamline refinance by our mortgage company, XXXX XXXX XXXX. The process began XX/XX/2020. After submitting all required documents, we received conditional approval and were told by our processor, XXXX XXXX out of XXXX, PA that they were just waiting on subordination from our other bank. After that initial communication, they began to be unresponsive and non communicative. 

We would go through weeks that turned into months and several attempts to acquire updates, both by phone and email with no response. I would have to contact the XXXX for him to contact the processor and even with internal communication among employees, there would still be a lack of response and no updates. 

On XX/XX/2020 I contacted my other bank to check on the subordination request from XXXX and they stated they never received any request to complete a subordination. We are now on month 4, going on 5 months pretty soon with no updates or status on what is going on with our streamline refinance. I have written letters to XXXX XXXX and emailed the processors boss with no progress. 

We honestly dont know what else to do ... This process has been very frustrating to say the least.
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX