davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank and Venmo for engaging in predatory practices and unjustly withholding my funds, resulting in significant financial harm and emotional distress. 

On XX/XX/year>, I made a payment of {$600.00} through Venmo to Synchrony Bank, which was promptly processed and deducted from my XXXX XXXX account on the same day. However, despite the deduction, Synchrony Bank has failed to reflect the payment in my available balance, thereby withholding my funds for an unjustifiably extended period. 

The actions of Synchrony Bank and Venmo in this matter are nothing short of predatory. By withholding my funds without valid justification, they have effectively cheated me out of my hard-earned money, causing undue financial strain and emotional turmoil. This deliberate misappropriation of funds demonstrates a blatant disregard for consumer rights and highlights the predatory nature of these financial institutions. 

Furthermore, the lack of transparency and accountability in addressing this issue is deeply concerning. Despite numerous attempts to seek clarification and resolution, I have been met with vague explanations and minimal assistance. The refusal of Synchrony Bank and Venmo to promptly release my funds and provide adequate explanation only exacerbates the distress and frustration I have experienced.

It is evident that Synchrony Bank and Venmo have prioritized their own financial interests over the well-being of their customers. Their actions not only violate consumer protection laws but also erode trust in the financial system as a whole. As a consumer who has been victimized by their predatory practices, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to hold Synchrony Bank and Venmo accountable for their misconduct. 

In addition to seeking redress for myself, I implore the Consumer Financial Protection Bureau to take proactive measures to protect consumers from falling victim to similar predatory practices in the future. By holding financial institutions accountable for their actions, we can ensure a fair and transparent financial system that serves the interests of all consumers. 

I appreciate your attention to this matter and look forward to a swift and satisfactory resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (VA)

I would like for the parties involved to do what is fair and equitable to me as a consumer and deleting the items I identified as identity theft on my consumer reports. 


XXXX XXXX XXXX XXXX XXXX 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 2023-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CO)

I have tried multiple times to contact anyone working at Nelnet. The website is awful with multiple pages broken and direct people to customer service. However, when calling customer service nobody answers the phone even after being on hold for almost two hours! This is a terrible, terrible company. Please go read the hundreds of complaints and stories just like this on thier XXXX XXXX. How am I suppose to make my payments in XXXX when I can't even reach anyone at Nelnet?
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

CitiCard on XX/XX/2023, reported to all three agencies that an account had a balance and was delinquent. That card was settled with a debt consolidation company a year ago. CitiCard just reported this false information this month. I have reached out to CitiCard, the three credit reporting companies and XXXX XXXX. CitiCard said the balance was XXXX and sent me a letter. The three credit reporting companies and XXXX XXXX said the information was correct and would not change it.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

I purchased reading materials from XXXX on XXXX previously. Somehow I got subscribed to this 'online service '. I do not know what this service is nor have any need for any services. All I wanted was to purchased were the reading materials. I got an unexpected charge today for {$23.00}. I want this charge cancelled/refunded. There should be more notifications of an automatic charge. I did not utilize any online service from this company.
Consumer complaint received 2023-05-12
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2024-05-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (NY)

My car was totaled and TD Bank incorrectly requested the entire loan amount instead of the amount they were owed. 

They have been unhelpful by requesting verbal and written permission to send me the approximately {$7000.00} that is owed to me. 

XXXX reached out and sent the information on XX/XX/XXXX and TD Bank confirmed receipt and said the check was on the way. On Friday, XX/XX/XXXX I called for an update and they said they had no confirmation from XXXX about any approval. 

I do not know what to do. They have been nice on the phone but condescending when pressured for an answer. 

My TD auto account number is XXXX and they have erased all of my account information from the website.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Addressand SSNCard.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a letter sent out to me that said I could settle an account on my Credit Report for XXXX XXXX XXXX. It was in Collections, and by setttling it ; it would move out of collections and be closed within good standing. It updated ( good standing ) on 2 reports, was sold to another lender though, and. Im having an issue getting TranUnion Credits Report updated, Its returned back on other reports, like XXXX XXXX, and now Im having it difficulties getting it removed from the collections section ; paid off, and showing in good standing. I had disputed it too soon at first, unaware of what it was in XXXX. Because of that TranUnion wont allow me to ever dispute it again, and its impacting my score terribly on that particular Credit report, and now all of them as this new lender cross paths as I settled and paid it off, and is placing it back everywhere it seems
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY (NY)

I have a home mortgage with TD Bank. They are currently harrassing me, claiming that my XXXX taxes are not fully paid. This is a lie, they are fully paid and I spent time confirming this with the State of New York. I have been sent two letters from TD Bank, both asking for proof of payment. The XX/XX/XXXX letter requested proof sent to an e mail address provided. I sent that proof on XXXX. A receipt from my bank showing taxes paid. But TD Bank continues to send threatening letters, the most recent one on XXXX, asking for the same proof. I would like to stop being harassed by TD Bank and would like them prosecuted to the full extent of the law for this harassment. 
Thank you for your time. 
XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

On XX/XX/2024, I Applied For A Platinum Card With XXXX XXXX, However I Was Denied. This Is Unlawful As I Am The Creditor Extending My Credit With This Company, and As The Creditor I Have The Right To What I Define What Credit Is To Me As Well As The Right To Authorize The Furnishment Of My Information In Which I Did Not. As A Result My Information Was Given Out and I Suffered A Lose Mentally and Physically and Financially, Not Only That But It Showed Up On My Consumer Reports.
Consumer complaint received 2024-05-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NC)

I don't recall having a contractual relationship with this collection company IQData INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-01-16
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)

My name is XXXX XXXX I am not a third party company I am sending this complaint without assistance from any one. I noticed that XXXX XXXX has been reporting Account name XXXX  XXXX  Date opened XX/XX/2014 a CHARGED OFF account with a {$2200.00} balance. 
I don't recognize how this account is reporting on my credit report. 
I don't recognize the account number, the account status, the payment amount or payment terms, the account high balance nor to I recognize the late payments. 
This account is not mine. I did not receive a 1099c form when it account went into a charged off status nor was I given the option to opt out of having personal information shared with third party companies. 
I did not authorize any of this nor did I consent for this company to access my credit file. This debt collector has not provided me proper debt validation for this debt. 
Please delete this from my report.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

My macys account payment history does not reflect what XXXX and XXXX show which should be XXXX late payment history. under XXXX it shows that i have two 30-day late payments. this is inaccurate as i have spoken with the creditor directly and my account status was updated to paid as agreed with XXXX and XXXX. please update my payment status to current/paid as agreed and i would like the late payment deleted and removed. If i do not hear back in 30days, this inaccurate information needs to be deleted
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

Ive disputed the validity of this debt. The company refuses to remove this debt although theyve provided no information for debt validation and/or debt verification. A collection company is also reporting this debt. The amounts are between this creditor and the collection company dont match and neither have been validated. This is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX  should be promptly removed to prevent further damages related to the FCRA violation. The information in incorrect. It hasnt been validated. This company and the collection company are report different information for the same account.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Dear Consumer Financial Protection Bureau : My personal information was apart of an Equifax breach of data. My information was sold and bought illegally because I was a victim of this data breach. I am requesting and want these items deleted from the credit bureaus up an including Equifax, XXXX, and XXXX effective immediately. I am attaching proof that Equifax has admitted and stated that I was in fact a victim of this data breach. 

Equifax has done nothing. I have disputed these several times in the past. I have been denied credit, loans, car financing, and even rental units because of the impact that this has had on my credit score over the past several years. Pleases help me delete these illegal accounts and negative information from my credit report ( s ). 

Thank You. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OR)

I made all the payments as required and paid off account. The company went through changes and then after I asked for a letter stating account paid off they sent it. Then another address sent another letter saying that I now owed a different amount. I paid the account off. This company does predatory lending practices and I have filed a complaint with the Federal Trade Commission and the State of Oregon Attorney general/Consumer Protection agency . There was no response for a long time and now I see my credit report was looked at again by this company. They need to stop and they have been a bad loan provider. This account is closed. I have all the receipts and pay off letter
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. (FL)

I sent a letter off on XX/XX/2023. I have my tracking number. To remove personal information that. I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violation of my federally protected consumer rights.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC. (NC)

They keep giving me excuses that the late fees were for previous months. In XXXX I paid two payments, paying off the card XX/XX/23 ( due date XX/XX/23 ) and was charged {$40.00} late fee. Purchased an item on XX/XX/23, paid two payments one on XX/XX/23 and one on XX/XX/23 which paid the account off again. Received a late fee of {$27.00}. Made two charges on XX/XX/23 to XXXX which was only supposed to be {$72.00} but was charged {$180.00} ( disputed all but {$72.00} on XX/XX/23 - still havent got a response ), and the second charge of {$210.00} for the XXXX XXXX on XX/XX/23 for one night stay ; I now have a pending ( suspicious ) charge for the XXXX XXXX for {$20.00} dollars dated XX/XX/23. I checked in on the XXXX and checked out on the XXXX.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX, I received an offer from Chase that said " Get {$900.00} for both ( an extra {$400.00} bonus ) ChaseTotalChecking + Chase Savings ''. On XX/XX/XXXX at noon, I had an appointment with XXXX XXXX at the Chase Bank branch on XXXX XXXX XXXX XXXX, XXXX, VA. 

Before opening the account, XXXX and his supervisor confirmed my eligibility for the {$900.00} bonus. However, after the account was opened, I discovered that I would only be eligible for a {$200.00} bonus. Furthermore, my account would not be eligible for any checking or savings bonuses for the next 24 months. 

Chase and their employees misrepresented my eligibility to the {$900.00} checking and savings bonus. Enclosed is the bonus offer I received from Chase.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: CREDIT ACCEPTANCE CORPORATION (IN)

In XXXX of XXXX I was involved in an hit and run accident. They ended up totaling my car. I went through Credit Acceptance and had Gap coverage as well. After everything was settled they still say I own {$3000.00}. I was told gap was supposed to cover the cost. I have been back and forth with them not getting any clear answers. They are now trying to sue me.
Consumer complaint received 2021-11-04
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. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX 2020
Consumer complaint received 2024-05-24
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: U.S. BANCORP (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXXXXXX and XXXXXXXX XXXX Laws Dear ELAN FIN SVC, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws specific to XXXX XXXX XXXX 

It has come to my attention that ELAN FIN SVC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. These local laws are designed to protect consumers from fraudulent activities and unauthorized credit reporting. 

I assert unequivocally that I have not provided consent for ELAN FIN SVC to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a disregard for federal and local laws.

I demand, with the utmost certainty, that ELAN FIN SVC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant XXXX XXXX identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ELAN FIN SVC will promptly rectify these egregious violations, respecting my rights under federal and local laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-03
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)

Fruad Accounts And Inquiries on Credit Report. 

XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX. XXXX XXXX XXXX XXXX {$5200.00} XXXX. XXXX XXXX XXXX {$720.00} XXXX. XXXX XXXX XXXX {$1900.00} Inquiries XXXX. XXXX XXXXXXXX XXXX, XXXX. XXXX