davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

I am writing to bring a serious matter to the attention of the Consumer Finance. My complaint pertains to unauthorized interest charges that I have been facing from Synchrony Bank in connection with my credit card account with XXXX XXXX XXXX. 

On XX/XX/XXXX, I availed of a credit card through XXXX XXXX XXXX 's website, with the understanding that I would be eligible for a XXXX interest-free financing offer. Based on this assurance, I proceeded to make purchases using the credit card. However, since the initial purchase, I have been consistently charged interest, despite fulfilling all the criteria for the free financing option. 

I have attempted to resolve this issue by reaching out to Synchrony Bank 's customer service on multiple occasions. Unfortunately, my attempts have been in vain as they have been unable to rectify the problem or provide any reasonable explanation for the erroneous charges. I have attached relevant copy of purchase records and chat transcripts with XXXX XXXX XXXX for your reference. 

My total purchase amount from XXXX XXXX XXXX stands at {$2600.00}, which I have diligently paid in monthly installments, with the final payment made on XX/XX/XXXX. However, to my dismay, Synchrony Bank claims that I still owe them {$1800.00} due to alleged interest charges. I vehemently dispute this claim as I have made every effort to comply with the terms of the free financing agreement. 

I am a middle-class individual with a strong track record of responsible bill payment and a XXXX XXXX of XXXX, which reflects my financial credibility. Therefore, I find it inconceivable that I would willingly incur interest charges and late fees. My intention is to promptly resolve this matter and seek justice for the undue financial burden caused by Synchrony Bank 's negligence. 

I kindly request the Consumer Finance 's intervention in this matter to thoroughly investigate the issue and ensure a fair resolution. I believe that I have fulfilled all the obligations as a customer and should not be held accountable for erroneous charges that are beyond my control.
Consumer complaint received 2023-04-06
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-02
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. (OH)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-02
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SANTANDER HOLDINGS USA, INC. (CA)

Notice to agent is noticed to principle, notice to principle is noticed, to agent this is to inform the CFPB of a bad practice from Santander Consumer USA the company is collecting a debt, the company Is sending threatening letters in order to collect a debt. The company is threatening the consumer to repossess his vehicle. My understandings are the following 15 U.S. Code 1692d - Harassment or abuse. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. and since I am aware of the law the company needs to follow rules and regulations and since the company is being Combative, I would like to proceed with 15 U.S. Code 1667d - Civil liability of lessors
Consumer complaint received 2023-04-02
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: Experian Information Solutions Inc. (NY)

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 XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 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 2023-04-06
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. (IL)

I have asked the credit bureaus several times to review and verify the late payments on both accounts of Dept of ED / XXXX account number XXXX. They have came back as verified and accurate. I have researched and found that the late payments are not accurate and need to be deleted. In accordance with Fair Credit Reporting Act Dept of Ed / XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states that I have the right to privacy. 15 USC 1681 Section 604 A states that a consumer reporting agency can not furnish account information without my written instruction. And all information should be reported accurately.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, I recently pulled my credit report to try and buy a home and noticed damages on my credit report, As well as multiple inaccuracies. With the damaging credit report, I was not able to move forward with my applications for my family home. In accordance with 15 U.S.C 1681 there should not be anything damaging on my report, it is defamation to my character. As well as 15 U.S.C 1681 602 ( a ) Accuracy and fairness of credit reporting. 

I did dispute all accounts on XX/XX/XXXX asking for validation on debt they came back XX/XX/XXXX as verified or they updated the accounts. and put me past due on XXXX account which shows open in XXXX. Consumer reporting agency may not report outdated negative information that is more than 7 year this account is showing 7 years and 4 months. account they did not validate
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NC)

I have called several times over the past 2 years to get information from the National Credit Systems in XXXX GA who claim they are collecting a debt from an old apartment complex where I lived over 5 years ago. When I moved I did n't owe the company any money now this collection was just placed on my credit with any rights to validate or dispute I have sent several cease and desist letters and they have refused to respond or take the item off my credit.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Hi- I reported that I was the victim of wire fraud to both my bank Chase as well as the bank that received the funds, XXXX XXXX. The wire was for a purchase of {$13000.00} and occurred on XXXX reported this morning on XXXX. 

I started to get suspicious when the seller told me they dropped my package and provided a XXXX number. I of course checked but it was just a label and had not yet been scanned. After 24-hours I started to get suspicious so I contacted XXXX. They confirmed that they did not physically have it and that I should check with the seller to see when they would be dropping it off. From this point, the pieces all made sense. I started looking through everything. The name on the bank account didn't match the home address. The XXXX label was printed half way across the state from a different location. An email address that XXXX only could find linked to the sellers posts. 

Now feeling helpless, I contacted Chase on XXXX hoping they would put their expertise on full display. They seem to showcase their " fraud protection '' as something a customer should feel peace of mind about. On the contrary I was told that this was my fault and my liability since I initiated the wire however they would put in a request and contact XXXX XXXX to see if anything could be recovered. They said this is a long process and no guarantees. 

I contacted XXXX XXXX on XXXX and they did not have a way that I could report wire fraud on an account I had sent money to. I asked if there was anyone I could talk to regarding how they handle wires on fraudulent accounts- they said that the wire transfer team does not take calls. 

I am frustrated that these huge banks haven't figured out how to work together to protect customers. They make it so easy to send money but when the criminals use the system against us the road to recovery is a long-winded process. Banks should stop being a safe haven for criminals and work to help customers trust that they'll be taken care of.
Consumer complaint received 2023-04-06
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 
Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : 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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Equifax intentionally held up accurate credit reporting from my creditors. I informed Equifax that XXXX and XXXX were notified by 4 of my creditors and Equifax skipped an entire month or more of updates. When I called they ignored me and wasnt able to properly communicate being off shore and reading scripted responses. I was placed on hold for almost 2 hours on my last call them hung up on when no one wanted to address why my Equifax file was not updated in a timely manner. They stated every 30 days and the amount that was reported from the creditor in 30 days they did not input the details to avoid the work. My creditors even answered the disputed and they refused to updated even after being aware the amounts reported were incorrect. In turn Equifax improperly reflected my hood credit standing causing a denial in a major purchase. The representatives are very rude and dismissive .. this causes great concern when they have access to all of my personal information. To date this still hasnt been corrected.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (SC)

Those are not my accounts on any of those things on there that are delinquent and I never had a car from Ally financial I never had a credit card from synchrony XXXX and I peed off and my XXXX card is not closed nor my XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my Transunion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter The INCORRECT Address that should be deleted is XXXX XXXX XXXX, XXXX Georgia XXXX and XXXX blue XXXX XXXX XXXX  XXXX XXXX XXXX Georgia XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX Georgia XXXX. The CORRECT Address is XXXX XXXX XXXX, XXXX XXXX GA XXXX. 

I am also showing an incorrect EMPLOYER of XXXX XXXX that needs to be deleted.
Consumer complaint received 2023-04-02
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. (OH)

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. 
Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : 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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-13
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: OneMain Finance Corporation (TX)

One main financial sent me a lot of loan offers in my email and stated check offer that will not impact credit then during they loan application process I selected self employed, I have an auto loan they run my bank account for 2 years transaction then approved my loan. The sent me an email requesting for my vehicle registration and pay stub. Vehicle insurance with {$1000.00} deductible. Their advert is misleading and their process is misleading. I had attached screen shoot of my application that indicated I selected self employed and I have auto loan they had a hard pull on my credit report as against soft pull on their email marketing.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XXXX XX/XX/XXXX ~ {$400.00} XXXX XX/XX/XXXX ~ {$500.00} XXXX XX/XX/XXXX ~ {$500.00} XXXX XX/XX/XXXX ~ {$1000.00} This amount of monies was taken from my account by scammers who hacked into my computer and took complete control of my computer, and I had to have the XXXX XXXX from XXXX XXXX come into my home and I had to completely shut down my computer and not use it and cancel all of my appointments over the internet with my providers. They had also hacked into my cell phone and I had to call XXXX for them to do a scan and get things cleared up in my phone, as well. 

Because my bank says that I provided my PIN each time a transaction was done they say that I was part of the scam and they do not TOLERATE scams, and they took back the provisional monies that they deposited into my account and they refused to give me back my monies. 

This all started on XX/XX/2022, with me getting a call from scammers pretending to be XXXX, and them describing my printer and them telling me of a new program that they have, and I thought that it was a great program and I had no idea what I was doing, but I had opened the door and let them in and they put more than XXXX files on my computer and took complete control of my computer and I had to jump through hoops to get the control back from XXXX to prove that it was me. 

The real XXXX did contact me as the scammers had blocked their calls but after XXXX cleared my phone I talked with them, and they told me to go to the police which I did and they have everything locked in their headquarters as the scammers wanted me to destroy the cards that I had bought but I refused. I am not able to find the police report that they gave me, but the scammers even called me while I was at the police station, and they heard the call and told me to block them. 

I had the claim with my bank reopened as one gentleman told me it was obvious that I was not a part of what was happening and that I was taken advantage of but my bank still insists that I was part of the scam and they are refusing to refund my monies.
Consumer complaint received 2023-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I sent in a letter to Experian on XX/XX/2023, requesting an investigation into items on my credit report. 

On XX/XX/XXXX at XXXX I received a email saying that they believe I did not request this investigation and that they believe it was from a third party, it was not, it was from me! 

The email is as follows : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 


I called them and informed them that it was indeed myself that submitted the request for investigation, and they advised me over the phone that there was nothing they can do. 

On XX/XX/XXXX, I sent another letter to them accusing them of stalling my legal right to request an investigation into items on my credit report and advised them that it was indeed myself that requested the originally investigation. 
Again, on XX/XX/XXXX I received the EXACT same stall email at XXXX. 

I have sent 2 letters to Experian myself ( NOT from a 3rd party ) and both times they have refused to action a legal requirement that I XXXX XXXX XXXX requesting an investigation into certain items on my credit report. They have stalled and gone over the 30 days that they are supposed to investigate within.