davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL (NY)

I am contacting you about an issue with Synchrony Bank holding onto my money for over six months. I transferred funds from my bank account to my PayPal account, but the funds have not been stored in PayPal. PayPal has been depositing my funds without my authorization to Synchrony Bank. Neither Synchrony Bank nor PayPal notified me that I had become a client of Synchrony Bank or disclosed any account information. I only discovered that I am a client of Synchrony Bank after receiving an email from Claim department of PayPal " This email was sent by PayPal on behalf of Synchrony Bank to provide important account servicing information regarding your Synchrony Bank account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your Synchrony Bank account. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, USA '' . I even don't know the number of my account. 

On XX/XX/XXXX, I transferred {$930.00} from my PayPal account to my daughter 's PayPal account. PayPal Transaction ID XXXX. Synchrony Bank notified me through PayPal that my daughter would receive the money on XX/XX/XXXX ( see attachment ). However, more than six months have passed and my daughter has yet to receive the {$930.00}. 

I filed a dispute in the Resolution Center of PayPal, case number XXXX . I sent the claim to Synchrony Bank. On XX/XX/XXXX, I also filed a complaint with the XXXX, case number XXXX. However, I have not received a response to either. 

I am requesting Synchrony Bank to either refund the money to my PayPal account or transfer it to my daughter 's PayPal account
Consumer complaint received 2024-06-05
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)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I transferred the full balance on this credit card to another lender who paid the last bill in full. Now the bank ( Truist ) is charging me {$31.00} interest on a XXXX balance. 
When I called them they stated to me I had not been making payments but that is not correct. In the past 90 days I sent them the following pymts : I paid {$150.00} with check # XXXX, on XXXX. 
I paid {$140.00} with check # XXXX on XXXX. 
I paid {$150.00} with check # XXXX on XXXX.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

PLEASE BLOCK AND REMOVE I urgently ask for the removal of the unauthorized inquiries from my credit report, as they were not initiated by me and are causing significant distress. These accounts were not authorized or approved by me, and it is unfair for me to be held accountable. I urge you to promptly address this issue.
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (TX)

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

XXXX XXXX  - I was in the process of placing an online order on XX/XX/2022, when I stepped away for a few moments to find a code for a bonus item. When I returned to my computer, the order had been processed and I was denied the opportunity to enter the code. I then called customer service to complain, and was told I could not add the bonus item, nor could I cancel my order! The person I spoke to was rude when I questioned why I could not cancel my order since I had just placed it ( within 30 minutes )? 
Comenity - XXXX XX/XX/2022, I went to Comenity online to pay the balance for the order I was forced to accept as there was no plausible way to return it without incurring more expense on my part as the order came piecemeal. I thought that my payment was accepted, however, when I noticed a few days later that I had not received a receipt via email, I went online to find that the payment had not posted. I again attempted to make the payment online and it apparently went through. Their records should show my login and attempts to process the payment well before the due date. 
on XX/XX/2022, I wrote to Comenity with my card enclosed and requested that my account be closed and I be sent a final bill. That request was ignored as well. 
I was alerted to their posting to my consumer credit account from XXXX XXXX. It appears that they refused to close my account, and instead added late payment charges and interest and then reported my account as closed in XXXX, 2022, with a balance of over {$300.00} for which they finally sent me a paper bill! I have been receiving harassing robo calls from Comenity ( sometimes 4 per day ) for months now despite having told them on the phone twice that I did not owe them anything. 
It appears that XXXX XXXX is intent on forcing customers to place orders, then has glitches in their online payment system, then proceeds to trump up late and interest charges while refusing to close the account, harassing people by telephone, and then proceeds to destroy one 's credit rating. 
As I have told them on the phone, all I want is the bogus charges and detrimental credit report removed. I will speak to a lawyer before I pay them another dime for an order I could not cancel!
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (DC)

Chase Bank holds funds longer than the listed time of 2-5 business days on every deposit going into my account. This institution also does not make at least {$220.00} available for withdrawal or check writing by the next business day. 

Local Check Deposit From National Banker Association Deposit on XX/XX/XXXX current hold time XX/XX/XXXX {$7100.00} Local Check from XXXX XXXX  Deposit on XX/XX/XXXX held for 7 Business days {$6200.00} Cashiers Check XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX funds released after calling XXXX XXXX to verify funds after 5 Business Days. {$2000.00} Local Check from XXXX XXXX  Deposit on XX/XX/XXXX held for 7 Business days {$3000.00} and {$4000.00} Recurring Customer Deposit Local Check from XXXX  XXXX  Deposit on XX/XX/XXXX held for 7 Business days {$8200.00} Recurring Customer Deposit
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The information being reported on my XXXX XXXX. This account was never late and or 60 days past due. The account was paid in full on XX/XX/year> there was 30 day a late payment reflecting on XX/XX/year>. That information was reporting error. They corrected the error, and in return the credit bureaus updated the information and reported that XX/XX/year> was 60 days late which is incorrect.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am the consumer, XXXX XXXX. XXXX XXXX has failed to procure MY written permission for XXXX XXXX to report anything on my credit. XXXX XXXX and the credit reporting agencies are in violation of the FCRA. I have notified the credit reporting agencies with failed attempts to resolve the issue.
Consumer complaint received 2023-12-22
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. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-11-12
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: Experian Information Solutions Inc. (FL)

1. XXXX XXXX XXXX ( AUTOMOBILE DEALER, USED ) XXXX # XXXX 2. INQUIRY TYPE : PERSONAL LOAN COMPANIES ( XXXX XXXX XXXX ) XXXX # XXXX 3. INQUIRY TYPE : BANK CREDIT CARDS ( BANK CREDITS CARDS ) XXXX # XXXX 4. XXXX XXXX XXXX  ( BANK CREDIT CARDS XXXX # XXXX 5. INQUIRY DATE : MORTGAGE REPORTERS ( XXXX XXXX XXXX ) XXXX # XXXX 6. XXXX XXXX ( MORTGAGE REPORTERS ) XX/XX/XXXX # XXXX 7. XXXX XXXX XXXX ( MORTGAGE REPORTERS ) XXXX # XXXX 8. INQUIRY TYPE : MORTGAGE COMPANIES ( XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

This letter is a formal complaint that TRANSUNION, XXXX AND XXXX are reporting inaccurate credit information in my credit report. Date of last activies, date report and high balances are different in all tree credit bereaus. Anything in my credit report have to be 100 % complete and accurate and those dates are inacurate in all three credit beraeus. 

Alleged Creditor : XXXX # XXXX Alleged Creditor : XXXXXXXX XXXX  XXXX # XXXX Alleged Creditor : XXXX XXXX XXXXXXXX This is a violation of the FCRA and I respectfully request that they remove this listing immediately.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

My Verizon visa credit card administered by synchrony bank shows my account past due even though the payment was made on the due date, midday via the credit card app. 
Instead of acknowledging the payment, the account indicates that it is pass due. I spoke with the synchrony bank customer service agent, XXXX, employee number XXXX. She informed me that the payment was pending in their system which causes the account to be listed as past due. I think this is an injustice for the customer. I made the payment on the due date. A payment that is considered past due accrues more interest and a late fee is assessed. 
The minimum amount due was {$68.00}. I paid {$250.00}, on the due date in the XXXX Including the late fee which has not yet been assessed, more interest is accruing because of the delay in the recognition of the payment.
Consumer complaint received 2024-01-13
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. (PR)

In accordance with the Fair Credit Reporting Act, XXXX Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-04-28
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. (PA)

I am experiencing significant XXXX due to the presence of this account on my credit report. Despite providing all necessary documentation to have it removed, it continues to negatively impact my credit score and overall financial well-being. I urgently request that you take action to remove this account from my credit report, as it is causing me undue stress and anxiety. I implore you to consider my situation and take prompt action to rectify this issue.
Consumer complaint received 2023-11-30
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. (NC)

- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am a victim of a fraud, scam, and identity theft. I have been a loyal customer of Capital One for almost 30 years. My savings account had several wire transfers of thousands of dollars ( totaling {$110000.00} ). Once the transfer was taken out, the transfer appeared back in my account so I figure all was okay. This happened several times and I started calling Capital One. Despite several, stressful calls to Capital One, this issue was not resolved and the wire transfers were/have NOT returned back to my account. I called one time and the specialist that answered said she " can't do anything to help me ''. Even after they were made aware that I was a victim of identity theft. Someone has use my information to initiate wire transfers and sent my hard earned money to multiple people, and companies I have never heard of. Several other fraudulent transactions, loans, and credit card lines have been made on my accounts. 

List of Wire Transfer Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-16
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. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (WA)

On XX/XX/2024 my checking and savings accounts through Sofi were put on hold without providing a reason. It was the XXXX of the month so I was attempting to pay rent and pay my credit card bill but the payment did not go through due to the account being frozen. I called the bank and they refused to give me information on why the account was frozen. I assured them that there had been no questionable recent transactions and gave permission to unfreeze the account. The security team maintained their refusal to provide any justification and said they were looking into the issue and I should call back the following day. I have called back 2 days in a row without any further information being provided with the customer service representatives hanging up on me if I persist in requesting more information.
Consumer complaint received 2024-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I do not recognize any of these inquiries, upon checking my credit report these are the inquires I found. These inquiries violate multiple laws, one of which is 15 U.S. Code 1681b Permissible purposes of consumer reports On XX/XX/XXXX, XXXX XXXX  XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX XXXX  inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud.
Consumer complaint received 2024-06-18
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. (CA)

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX FIRST XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 can not furnish an account without my written instruction 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. 
For the last 120 days Ive disputed these accounts and disputed with the furnisher all have failed to verify my identity or even respond.
Consumer complaint received 2023-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (MO)

I originally took out this loan for a home repair. The tech did not do the work, and I had to have the work done by another company, which I just paid for myself. The original company was and is aware that their tech did not do the work to fix the issue and is not charging me anything else. 

The problem is Affirm. I have repeatedly explained the situation to them, and they are still harassing me for payment. The other company is aware of what happened, but I can not get these companies to communicate. Affirm just keeps harassing me with calls and emails. Today they called me at XXXX XXXX. Enough! 

Now I also have come to understand they can and will report me to the credit bureaus for non payment. And I am sure they will too, despite me not owing the amount they are harassing me about anymore.