davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I am filing a complaint today against Synchrony Bank for their extremely unfair and misleading business practices and abysmal service that they provide their customers. I am pretty sure they are not even a real bank and are just scammers collecting peoples data to ruin their credit scores to fulfill some sort of ill minded, ego boosting agenda that does not make any sense whatsoever. I am aware that I am far from the only person that Synchrony has taken adverse action against, and I am simply curious as to what I have done so horribly that this bank decides to make an attempt to ruin my life. I opened this account XXXX XXXX XXXX and was given a limit of {$8500.00} and I had never missed a payment and kept my utilization relatively low. My account was always current and in good standing. I am unsure what I did wrong that Synchrony decided to, firstly, lower my limit to {$330.00} and SIGNIFICANTLY decrease my credit score, they later closed it. All I ever did to this bank was be a reliable customer, and clearly it was a horrendous decision. Since this financial institution is a scam, I suggest a complete and total investigation be done against Synchrony and shut down this horrendous company for good. Synchrony believes that because they are childish and petty that it is okay to ruin a person 's credit and attempt to make their life significantly harder. I am unsure why doing business as agreed with this company made them decide to create unnecessary barriers from allowing me to obtain future credit, purchase a home, car, etc. I paid this account as agreed from the beginning and there is no winning with Synchrony. They are a scam who will damage any and all applicants credit score regardless of their payment history and relationship with them. Furthermore, which further proves my point that this company is a scam, they are continuing to send me emails encouraging me to apply for their other products and saying that I am pre approved. It is mystifying that a bank who has done me so horrifically wrong and is making me out to be a terrible person is trying to convince me to further do business with them. No person should fall victim to this scam again. Synchrony can either reinstate my account that had always been paid as agreed, or they can cease and desist all marketing contact with me immediately since it is out of the question that I will ever do business with them again.
Consumer complaint received 2024-06-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

Follow up to FRAUD CHARGES on XXXX Synchrony XXXX XXXX account. 
XX/XX/year> Spoke to XXXX and Synchrony bank. Synchrony responded 60 days later stating I need to pay the charges, but they did not provide additional evidence as to why. 
As I have stated before I was at work when the charges were made and my badge entry key is listed below. 
The XXXX 's XXXX receipt is listed below. This proves my case. If I purchased a XXXX  in XXXX, with a warranty, why would I need a XXXX 2 months later from XXXX? 
I placed a fraud alert through the Bureaus regarding this account. I also sent in a formal complaint to XXXX, XXXX and XXXX reviews.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

On XX/XX/XXXX around XXXX XXXX I went to the bank to make a deposit of {$2000.00}. The ATM says it takes up to XXXX pills I had all XXXX and it was XXXX bills. I put my money in the ATM and first it read that it wasn't able to deposit all bills so when I read it I it open back up and I tried to get my money but then it closed. After it close I was like okay it's count my money because I heard it shuffling around when it was complete with counting the money, something came up that said it was not able to complete the transaction but it didn't get my money back. I put my car back into the slot to check my deposit and there was no {$2000.00} that I just put in the machine. I immediately call the bank to get it fixed. They really no help and sadly it was Friday and now I have to wait until Monday. Very inconvenient, I think the bank should be open 7 days a week because now the bank robbed me and I have to wait to see if I'm even going to get my money back. That is a large lump sum of money that I can't afford to get away.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I applied for this credit card. They wanted me to go online to activate it. Once I tried to. The company wanted a {$35.00} a month service fee. So I called the # on my card that I received through the mail. And the individual. Told me yes there is a monthly fee. So I told the individual I wasn't going to activate the card. I hung up the phone and cut the card up. Without activating it. I received a letter in the mail .stating that there was fraudulent activity on this credit card I never activated. I perseved to call the 1800 # and the individual said that he could not see the problem until I activated the card online. Bank of America. Is the company
Consumer complaint received 2024-06-28
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. (IN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account # XXXX
Consumer complaint received 2019-08-01
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2023-11-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST HORIZON BANK (LA)

This is the third time I've had problems with this servicer I had nothing but problems when this was taken over by First Horizon They are the worse Now they'd trashing my credit again and sending me default notices They also still showing a balance of over {$10000.00} in deferment for some reason I owe these people nothing! 
This is exhausting I do not know why there is a deferment balance I do not know why they lose or misplace my payments I do know they owe me thousands of dollars because of them not applying my payments correctly
Consumer complaint received 2024-09-10
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. (FL)

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 Delete hard inquiries for me bc I didnt request anything from them
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to express profound dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the companies associated with the fraudulent account. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent account would be expeditiously removed. 
It is noteworthy that both XXXX and XXXX have already expunged this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when the aforementioned bureaus have already removed it. I urge you to delete this account from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 
XXXXXXXX XXXX
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

On XX/XX/XXXX and XXXX XXXX purchases were made through bet mgm online which is a sports site and those were not my purchases. I tried to dispute these with my chime bankers and was told I needed to wait until they settled the payments. Once that happened I immediately reported it as fraud and requested a new card as well as changed my pin. They didnt even take the proper time to investigate my claims which were 2 were denied well before 24 hours of me making the claims. I then requested the documents used to determine their decision on XX/XX/XXXX and have yet to receive those. I started a rebuttal for both claims and those have both been denied without documentation as well! I filed a police report the same day the disputes were filed. This is ridiculous I have done everything on my end. I was at work when these charges were coming out of my account.
Consumer complaint received 2024-06-28
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. ()

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not FIX these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (GA)

The company is XXXX XXXX. My XXXX monthly payment was supposed to come out of my account but it didn't so I was considered XXXX  days late. The credit bureaus dropped my credit scores by XXXX points which I don't understand how could XXXX  day late drop your score by XXXX points. There has to be something that could be done to credit bureaus to drop anyone 's score that low. I know there have to be some law to stop these horrific scores from effect a person 's credit for XXXX  day late. Can you please help? 

Thank you
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found out that my identity was stolen and my accounts were used in fraudulent activities online. I immediately reported this to the company and bureaus. I even called and requested for XXXX today to kindly delete and close the account that got compromised but they insist on keeping it on record for 7 years. That is very unfair. The account is fraud and I request for it to be closed and deleted from my credit reports. I am willing to pay the dues if I have to, but please delete this asap. I expect nothing more from XXXX because I now know how inconsiderate they can be, so yes, if they want my money, just take it, but delete this account from my credit reports. Here 's the fraud account info : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have addressed these issues numerous times, but the bureaus have not responded to my complaint. Please delete all the accounts and inquiries listed below. I sent my letters on XX/XX/XXXX, and am awaiting your prompt response. Delete these items immediately! 

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 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Delinquency report dates vary when I call and across Bureaus thus there are errors. Accounts have reached 7 year statue of limitations of Florida and are in violation of it by not being removed. Additionally accounts are paid off and closed. Please help, I have been dealing with this for a long time without any success. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of fraudulent activity and have researched how to remove the fraudulent items from my report. I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. According to FCRA Section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. Attached are documents to assist in removing the accounts, inquiries, and erroneous personal information posted to my report. Here is the list of items opened without my permission : TransUnion 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. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove such items within 4 business days of receiving the request.
Consumer complaint received 2019-07-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Receivables Network (CT)

XXXX XXXX indicates he has a file on his desk about me, has left messages threatened to file adverse action against me. I have no knowledge or received documentation regarding " the file '' XXXX XXXX represents Sage Capital Recovery XXXX Ext XXXX He contacted me several times this week at work. 
Today XX/XX/19 I called him back, asked him to refrain from calling or leaving messages at my work place. I stated my name and repeated twice to stop calling my workplace.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this account is not mine, i have never had an XXXX  account also my address are wrong i only live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- PLEASE HELP MY INFORMATION WAS STOLEN - ACCOUNT - XXXX XXXX  - XXXX - NOT MINE
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXXXXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm writing to formally dispute any mistakes that my credit report might have contained. I've discovered a few major errors in the account details after thoroughly reviewing the data. These mistakes are concerning since they can have a detrimental impact on my financial condition and opportunities. 

These discrepancies need to be corrected right away for my credit profile to continue being realistic and accurate. I require a thorough investigation into the disputed items and their immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ). 


I've supplied supporting documentation that outlines the differences for your review and consideration. Since this issue is vital to maintaining my financial security, I truly appreciate your quick attention to it.
Consumer complaint received 2024-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I am very disappointed! My student loan servicer MOHELA recently switched to mohela lied XXXX XXXX. When they did, they added to my balance.it should say I owe about XXXX not my original loan amount!!!
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2023-05-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2015-04-22
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MS)

may car got repo and it was in good driving conditions. I told them to come get the car because I could n't afford the note due to my divorce. but I never heard from this company again after they came and got my car. i 'm sure the sold the car more than its worth but they still holding me accountable for the car. and I want them to take this off my credit report.