davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CO)

I have been using my XXXX XXXX from Synchrony Bank since XX/XX/2023. I earn XXXX Dollars for XXXX purchases that can be applied to my monthly XXXX bills. While Synchrony shows that I have earned these dollars on my statement, when I go to XXXX, there are {$0.00} XXXX dollars available. Both companies blame each other. Synchrony said they completed a form to link accounts, and XXXX says I have to solve this with Synchrony. As a consumer, I am stuck in the middle and being volleyed between both companies ( who are partners -- and the card is issued as the XXXX card! ). I want to see the XXXX dollars that I have earned and be able to apply them to my account. Why does this seem to be so hard? This is how the card is marketed and advertised.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NJ)

I had a XXXX XXXX account through Synchrony Bank which was closed due to nonpayment. The past due balance showing on my credit reports is {$1200.00}. I called Synchrony Bank yesterday to resolve the balance and was told that they are no longer collecting on the balance and a 1099-C was issued for the previous account balance and as such, I was unable to make any kind of payment and was directed to dispute the status with the credit bureaus. I disputed the information with all three credit bureaus, and XXXX has already finished the dispute, but the reported balance was not changed and is still showing as past due for {$1200.00}. I dont understand what XXXX supposed to do if XXXX cant make a payment to resolve the balance but that it wont update to {$0.00}. It is impacting my ability to access new lines of credit.
Consumer complaint received 2024-05-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (AZ)

Overview : In XX/XX/XXXX, I took out a deferred interest loan for {$16000.00} with XXXX XXXX XXXX, XXXX ( XXXX ) for XXXX XXXX installation. The loan had an XXXX " With Pay Deferred Interest '' ( WPDI ) promotion, which allowed for deferred interest if payments were made timely. 

Promotional Terms : Promotion Duration : 18 months, ending XX/XX/XXXX. 
Grace Period : Payments could not be more than 30 days late, or the promotional offer would terminate early. 
Events Leading to the Complaint : XXXX XXXX : In XX/XX/XXXX, XXXX payment was made 36 days late, exceeding the XXXX grace period, allegedly causing the promotion to terminate. 
Lack of Notification : Despite the promotional offer being terminated, the subsequent billing statements from XX/XX/XXXX to XX/XX/XXXX continued to reflect a " Promotional Expiry Date '' of XX/XX/XXXX, and showed the deferred interest charges as {$0.00}. 
The loan overview document from XX/XX/XXXX also showed a promotion expiry date of XX/XX/XXXX, and deferred interest not included in the total balance. 
XXXX of Accrued Interest : In XX/XX/XXXX, I contacted XXXX to get a loan payoff amount, but there was no mention of my promotional period having been terminated. 
In XX/XX/XXXX, I contacted XXXX again for a loan payoff amount, only to learn that the deferred interest promotion had ended over a year ago due to the late payment, and all deferred interest charges were now being included in the payoff balance. 
Had I been notified of the termination of the promotional offer at the time of the late payment, I would have paid off the loan to avoid accruing interest at 17.99 %. 
Impact of Lack of Notification : The lack of notification resulted in a significant increase in my loan balance due to the retroactive interest charges. 
The billing statements misled me into believing that the promotional offer was still active. 
Resolution Requested : Reinstatement of Promotion : Re-instate the deferred interest promotion and waive the accrued interest charges. 
Correction of Statements : Adjust my account to reflect accurate statements based on the original promotion. 
Supporting Documentation : Loan Overview Document ( XX/XX/XXXX ) : Shows a promotion expiry date of XX/XX/XXXX, despite the promotion being voided. 

Billing Statements ( XX/XX/XXXX- XX/XX/XXXX ) : Each statement reflects a promotion expiry date of XX/XX/XXXX, and XXXX deferred interest charges. 

Conclusion : The misleading billing statements and lack of proper notification caused significant financial harm. I am seeking fair resolution by reinstating the original promotional terms and correcting the accrued interest charges.
Consumer complaint received 2024-05-10
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (OH)

I contacted the company in XXXX of 2024 to ask why I was receiving my billing statement only XXXX days prior to in being due, I tried to explain that there would be no way that I would be able to mail my payment to you and receive it on time. They did not respond. I then contacted and filled a complaint against the company with the XXXX in XXXX of 2024. They failed to respond. 
Since my payment has been last for the past XXXX  months since I only receive my paper statement about XXXX  days before the payment is due. This isn't right.
Consumer complaint received 2024-01-05
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. (NJ)

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 USCS 1681. 

These are the inaccuracy to stopping me to get the ability for apply new Car Loan, applying for the credit cards or in the future to apply for a Mortgage or personal Loans, All of these Accounts has violated my Rights. 

These are my CLOSED CREDIT CARDS with Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : 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 conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 S -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 2022-11-28
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. (MI)

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being XXXX percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the inaccuracies attached on the letters.
Consumer complaint received 2024-05-09
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE (FL)

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-01-05
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-09
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. (NY)

I am writing to you with a sense of urgency and frustration that can not be overstated. It has come to my attention that despite repeated attempts to resolve the matter, fraudulent account continue to plague my credit report. This is an outrageous violation of my rights as a consumer and can not be tolerated any longer. 

Your persistent failure to rectify this situation is not only unacceptable but also deeply concerning. The presence of this fraudulent account is tarnishing my financial reputation and causing significant distress. I have been the victim of identity theft, and your bureau 's negligence is exacerbating the situation. 

This account is need to be remove : XXXX XXXX XXXX. 

I demand immediate action on your part to cease reporting this fraudulent account on my credit file. Your inability or unwillingness to do so reflects a gross dereliction of duty and a blatant disregard for the law. It is abundantly clear that your bureau 's practices are inadequate and must be rectified without delay.
Consumer complaint received 2024-05-09
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. (SC)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

In XXXX of 2014 My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been several fraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile.

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2024-05-09
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. (OH)

This account does not belong too me. This account belongs too my sister XXXX XXXX XXXX I reside at the same address for 4 years now and can provide proof and documentation .This account needs to be removed immediately before I seek legal action.
Consumer complaint received 2024-05-09
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 & block 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 XXXX XXXX
Consumer complaint received 2024-01-05
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. (NJ)

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

ACCOUNTS XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX DELETE THIS ACCOUNT because of violation of 15 USC 1681e ( b ), 15 USC 1681i ( 5 )
Consumer complaint received 2023-05-05
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: Waypoint Resource Group, LLC (IL)

During the time of my incarceration someone stole my identity. They have the wrong birth year on XXXX credit report and addresses. I have 4 accounts, XXXX XXXX XXXX  {$590.00} on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account I never approved or asked to be added to on XX/XX/XXXX and also XXXX XXXX XXXX  {$720.00} on XXXX XXXX XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX  Can you please investigate and remove from the report.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I hope this letter reaches you in good health. I am writing to express my ongoing frustration and disappointment with the persistent challenges I have faced in attempting to remove fraudulent items from my account. Despite multiple attempts, these items remain unresolved, causing significant distress and concern. 

I have diligently pursued the correction of these entries through multiple attempts, as outlined below : Initiated contact with your customer service department to report and request the removal of fraudulent items from my account. 

Submitted a formal written complaint, providing comprehensive documentation and evidence supporting the fraudulent nature of the items in question. 

Engaged in follow-up communication with your fraud department, providing any additional information requested and cooperating fully in the investigation process. 

Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing distress and financial insecurity. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future. 

If this matter is not resolved satisfactorily within the exact timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX 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 2024-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Someone requested refund and filed a case from PayPal. Me and my friend sold items to her. She had received all the items in XXXX. I have shown PayPal my evidence. But PayPal still closed the case in their favour which is unfair to me. I lost XXXX XXXX Also my friend lost XXXX XXXX