davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

We have a XXXX with Synchrony Bank that matured XX/XX/2024. I called Synchrony Bank on XX/XX/2024 to close the XXXX and have the money wired to another outside account. In a previous call on XX/XX/2024 I was told to call the bank the day of maturity and there would be no fee and no problem to close XXXX  and transfer the money. On my XX/XX/2024 call I answered all the security questions, then the rep sent me a text message with a Code that I was to give her. Which I did. Then she said she had to sent me an " XXXX '' XXXX  XXXX letter that would contain another Code. Once received I need to call bank and give them the code. Today is XX/XX/2024. I have not received a XXXX XXXXXXXX letter with a XXXX. I called the bank on XX/XX/2024, was told the I would get the XXXX  XXXX letter on XX/XX/2024. I called on XX/XX/2024 and was told I would receive XXXX  XXXX letter on XX/XX/2024. My last call to the bank was XX/XX/2024. The rep I spoke to that day said no XXXX  XXXX letter had been sent and he did not know what was going on. He said I needed to wait for a XXXX  XXXX letter. I don't know where to turn. They are holding our much needed money. I understand about security. However, we have done business with this bank in the past. No problem receiving our money. Banks withholding a customer 's money and giving out false information and not given any avenues to pursue for help, should be against the law.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Klarna AB (CA)

On or about XX/XX/year> I asked KLARNA for my account number so I could arrange direct payments from my bank with the goal of increasing payment in excess of the minimum payment to decrease the amount of interest I would be paying. The request was made on their internal app so there is no email record. They responded on the XXXX of XXXX stating 1 ) my type of account had no account ; and 2 ) they have no mechanism for receiving bank or additional payments. 
As KLARNA is an international company with a US office in XXXX, OH, that seemed unlikely. In an attempt to negotiate, I suggested that I would simply either mail additional payments to their home office or use their internal tools to make and electronic payment. They responded again on the XXXX that they don't accept additional payments and my only option is to pay that monthly minimum or the entire amount. 
I have attached those email conversations.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-05-13
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. (MI)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-07-01
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Navient Solutions, LLC. (FL)

I received back in XX/XX/XXXX from the Departure of Education notifing me that I have been approved for debt relief under the XXXX XXXX XXXX This is part of the XXXX XXXX commitment to delivering relief to borrowers whose schools engaged in unlawful conduct. 

The U.S. Department of Education ( ED ) has determined that the federal student loan ( s ) you received to attend XXXX XXXX XXXXXXXX on or after XXXX XXXX, XXXX, and on or before XXXX XXXX, XXXX, are eligible for a full discharge. This means the remaining balance on the eligible loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ).

Your loan ( s ) will be discharged based on an ED finding that XXXX XXXX XXXXXXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at the Art Institutes from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections XXXX XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by XXXX XXXX  XXXX, ED has determined that it is appropriate to discharge the loans made to all students who attended XXXX XXXXXXXX XXXX during the time period described above. 

I reached to Navient for assistance to get my private student loan discharged under the School misconduct discharge application. They reply with a letter denied to provide me the application because my type of loan ( direct customer ) doesn't not meet the criteria.
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (TX)

Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. XXXX, XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2024-08-08
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)

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX I am deeply concerned to find several accounts on my credit report that do not belong to me. These fraudulent accounts are causing significant distress and are preventing me from securing essential credit. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I urgently plead for their immediate removal. Please expedite the investigation and correct my credit file as soon as possible. Thank you for your prompt attention to this alarming matter.
Consumer complaint received 2024-05-25
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)

On friday XX/XX/2024 i received an inquiry on my Transunion credit report from XXXX XXXX I strongly believe this is a Mistake because that is my credit union but that inquiry is not attached to an open account.
Consumer complaint received 2024-06-15
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MOHELA (VA)

This is the follow-up on complaint XXXX this is XXXX XXXX concerning the student loans through Mohela that started out at XXXX then XXXX now it's XXXX they keep adding on even though they've been contacted even through you guys that it's fraud. I have froze my credit reports as soon as I realized by XXXX XXXX that there was somebody using my identity so they didn't do any more pulls just kept adding to the loans cuz I also added identity statement about my identity being stolen I had mailed a copy of my license social security card and the application to the XXXX XXXX XXXX XXXX XXXX Missouri Mohela to have these loans discharged I have not heard anything from anyone still can not get through to anyone try to go back through student aid XXXX they keep hanging up on me my next step I guess it's consult a lawyer it's my only choice
Consumer complaint received 2024-05-31
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)

These items do not belong to me and or were never late XXXX XXXX balance {$4900.00} not my account XXXXXXXX XXXX XXXXXXXX {$21000.00} not my account XXXX XXXX XXXXXXXX {$12000.00} not my account XXXX XXXX account was never late
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and XXXX XXXX. The Accounts in question are XXXX XXXX**************, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX-**************, XXXX XXXX XXXX, DEPTEDXXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX The account is illegally publishing derogatory and inaccurate information on my consumer report.
Consumer complaint received 2024-05-25
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. (KS)

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.

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 inructions.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 2024-05-25
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Subject : Seeking Financial Settlement and Damages for Inaccurate Information I am writing to formally address the issue of inaccurate information reported on my credit report, which has caused significant harm and distress. Despite my previous request for the removal of erroneous data resulting from the Equifax data breach, the inaccuracies remain uncorrected. As a victim of this breach, my information was illegally sold and bought, leading to the unauthorized accounts listed below being added to my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have severely impacted my financial standing, credit score, and overall well-being. Despite Equifax 's admission of the breach and my documented evidence, no effective measures have been taken to resolve the issue. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair reporting. The continued presence of these inaccuracies on my credit report constitutes a violation of my rights under this Act. Consequently, I am seeking a financial settlement for the damages incurred, including but not limited to : XXXX. XXXX XXXX caused by the breach and its consequences. 
XXXX. Financial losses due to higher interest rates, denied credit applications, and other credit-related issues. 
XXXX. Any legal fees incurred while attempting to rectify this situation. 

I am requesting the immediate deletion of the aforementioned inaccurate accounts from my credit report and a financial settlement to compensate for the damages I have endured. I expect a response within 30 days from the date of this letter. Failure to address this issue promptly will compel me to pursue further legal action. 

Please find attached documentation proving my status as a victim of the Equifax data breach and the consequent inaccuracies on my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Subject : Denial of Credit Request Under UCC 2-325 Dear BANK OF AMERICA XXXX XXXX hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent denial of my request for a " Confirmed Credit '' under UCC 2-325.

I submitted my request for a " Confirmed Credit '' with the understanding that it met the necessary criteria and requirements, as specified under the Uniform Commercial Code ( UCC ) 2-325, which pertains to " Letter of Credit. '' It is with great disappointment that I received a denial for my application, as I believed it to be compliant with the relevant provisions.

I kindly request that you provide me with detailed information regarding the reasons for this denial. It is of utmost importance to me to understand the specific aspects of my request that did not align with the requirements of UCC 2-325. This transparency will allow me to rectify any issues and reapply accordingly.

As a conscientious business partner, I am committed to adhering to the established legal and financial standards set forth under the Uniform Commercial Code. I firmly believe that my application met these standards and should not have been denied. Your feedback on the reasons for this denial will be instrumental in ensuring my future applications are in compliance with the relevant regulations.

I kindly request that you provide a written response within a reasonable timeframe, outlining the specific reasons for the denial and any steps I can take to rectify the situation. Additionally, if there are any specific requirements or documentation I should provide in a revised application, please inform me so that I can address them promptly.

Thank you for your immediate attention to this matter. I look forward to receiving your response and working together to ensure that future requests for " Confirmed Credit '' are handled in accordance with UCC 2-325. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (SC)

In accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604, A Section 2 : It also states, a consumer 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 and consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-25
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)

YOUR COMPLAINT I, as an individual with rights protected under 15 USC 1681, assert that XXXX, TransUnion, and XXXX, as credit reporting agencies, are subject to the regulations outlined in the same statute. My rights under this law have been repeatedly violated. Therefore, I request the removal of the accounts and Hard inquiries detailed below. As per 15 USC 1681, I maintain the right to privacy, and XXXX did not obtain written permission from me to disclose these accounts.XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-25
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)

Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (CA)

XX/XX/2023 disputing {$58.00} and want my account closed. Spoke with XXXX at XXXX and would like to speak to a manager regarding this issue. he says within 5 days. I expressed that I want my security deposit back and he informed me it would take 10 weeks to refund the security deposit. 

This company has predatory business practices and it should not take 10 weeks to process a refund. Nor should they charge me a late fee or membership fee. 

This company has not satisfied my complaint
Consumer complaint received 2019-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have on numerous occasions tried to have this debt removed off my credit reports from this company. It is showing that I have a total of 3 credit cards with all negative balances and maxed out how is that possible as previous stated I have been a victim of ID THEFT even with the internal revenue to the point I have a specialized pin I use to my federal income taxes. I can verify that I only opened one of the credit cards and I still have that one card in my possession ending in XXXX. Please see what can be done so that the company removes this information on my report because it is negatively impacting my character and credit history any assistance that you can provide will be greatly appreciated the account numbers that are in question are : # XXXX balance is also showing for XXXX and also XXXX now how can a company say I owe this many cards if the first one is defaulted why are they issuing more cards this information needs to be updated and removed immediately