davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

On or about XX/XX/2024, Synchrony Bank closed my Rooms to Go account and locked my access to the account 's login without prior notice or explanation. Consequently, I have not received any account statements since the account was opened, significantly impairing my ability to manage the account effectively. 

On XX/XX/2024, I discovered a {$41.00} late fee charged to my account. This charge was due to my inability to access my account online, a situation entirely caused by Synchrony Bank 's actions. Despite multiple attempts, I was unable to log in through both the mobile application and the website. Consequently, I was forced to call Synchrony Bank on my only day off during their operational hours to manually unlock the account and make the necessary payment. 

When I requested a refund of the {$41.00} late fee, Synchrony Bank declined, stating that it was not their responsibility. However, the inability to access my account, which directly led to the late fee, was due to Synchrony Bank 's decision to lock the account without notifying me. 

This series of actions by Synchrony Bank has caused undue stress and financial burden. Their refusal to acknowledge and rectify the situation is unacceptable. As a consumer, I have a right to access my account information and receive statements regularly to manage my finances responsibly. Synchrony Bank 's actions have obstructed these rights and unfairly penalized me. 

I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Synchrony Bank. Specifically, I seek : A full refund of the {$41.00} late fee. 
Assurance that Synchrony Bank will provide timely statements and notifications regarding any changes to account status. 
Implementation of measures to prevent such occurrences in the future, ensuring that customers are not unfairly penalized due to actions taken by the bank.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC. (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : SOFI BANK NATIONAL XXXX XXXX
Consumer complaint received 2023-07-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

All requests took over 30 days to resolve. XXXX, Equifax and XXXX all report my student loans twice. They report the balances as late when the student loans have been discharged completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for XXXX  credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the discharged student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the XXXX credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. Even with a XXXX  in XXXX, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.
Consumer complaint received 2024-07-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (PA)

XXXX XXXX [ XXXX XXXX XXXX ] XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau [ XXXX XXXX XXXX ] [ XXXX XXXX, XXXX XXXX, XXXX ] Dispute of Collection Agency Violating Rights I am writing to file a formal complaint against [ MRS BPO LLC ] regarding their practices that I believe are violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, 2024, I received a collection notice from [ MRS BPO LLC ], claiming that I owe [ {$2200.00} ] for [ XXXX ]. Upon reviewing the notice, I have identified XXXX instances where I believe XXXX XXXX has violated my rights as a consumer : Failure to Validate Debt : Despite my request for validation of the debt in writing within XXXX  days of their initial contact, MRS has not provided any documentation substantiating the debt but yet they placed a collection under my consumer report. This violates 12 CFR 1006.34 ( b ) ( 5 ) which states that during the validation period, debt collectors can not engage in any collection activities or communications that contradict or overshadow the consumer 's right to dispute the debt. This also includes the right to request the original creditor 's name and address FAILURE TO DISPUTE : I was never given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) MRS BPO LLC is violating my rights by by using false misleading misrepresentation and deceptive means MRS has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Enclosed with this letter are copies of relevant correspondence are records of communication attempts. 


I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ MRS BPO LLC ] for their violations of the FDCPA. I also request that [ MRS BPO LLC ] cease all collection activities against me until this matter is resolved. 

Please contact me at the above address or by phone at XXXX if you require any further information or documentation regarding this dispute .Thank you for your prompt attention to this matter. 

SIncerely, XXXX XXXX
Consumer complaint received 2024-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OR)

I have requested a School Misconduct Discharge Application multiple times since XX/XX/year>. However, Navient refuses to send one and states that it will not even consider my application if I did submit one. I have valid claims of misconduct by the institution - and am also included in the XXXX v XXXX settlement- but they refuse to consider them because of the institutions non-profit status. This violates the promissory agreement and the Holder Rule- as these loans would not have been obtained if it were not for the institution 's misconduct and the misconduct of Sallie Mae ( now Navient ).
Consumer complaint received 2024-06-10
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)

There are items on my credit that do not belong to me, I have filed an FTC report and sent to the three bureaus, some of these items are still reporting erroneously : XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$1800.00} XXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXXXXXX {$350.00} XXXX XXXX {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} I am attaching my license and an FTC report.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report, as well as unauthorized inquiries. To verify my identity and address, I included a copy of my ID, Social Security card, and 1099 form. 

In my dispute letter, I specifically requested the following information from Equifax : Details on how the disputed item was verified. 
The date when Equifax contacted the creditor and furnisher. 
Contact information for the creditor and the furnisher. 
The name of the person who verified the item. 
The method of communication used to verify the information ( e.g., phone, email, mail ). 
Confirmation whether the creditor and furnisher provided any sensitive personal information such as my Social Security Number, address, and date of birth during the verification process. 
Despite my clear and thorough request, I have not received any response from Equifax. According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item of information in their file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit bureaus must ensure the accuracy and completeness of consumer credit reports.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to report an XXXX XXXX  issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my fi le. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My XXXX ( in XXXX ) & XXXX ( in XXXX ) Credit cards were reported at over limit Both credit card companies corrected those errors on my online accounts and with the credit bureaus. 
( Thank you very much XXXX XXXX XXXX! ) The remaining issue I have is it appears, the negative overlimit mark hasnt been retracted on my credit reports. 

Thats all I need. 
Please retract the negative overlimit marks with the credit bureaus re my XXXX card ( XXXX ) XXXX ( XXXX ) Your speedy remedy would be greatly appreciated!! 

It came to my attention that those marks may still be reporting to the credit bureaus when I applied for a credit limit increase was turned down bc of the over limits re my XXXX and XXXX cards according to the letter I received. 

Thank you so much for your timely assistance with this matter!! 

Please all 3 Credit Bureaus so any Overlimit Remarks are retracted from my XXXX, Equifax, XXXX reports Re XXXX card ( XXXX ) XXXX ( XXXX ) THANK YOU!!
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am once again requesting the removal of information from my credit file that resulted from alleged identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to remove any items within four business days of receipt. Additionally, some items are unknown to me and have been removed from other bureaus, raising doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14
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 submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-07-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

I can not remember the date of the issue but the card is a gift card from prepaid gift balance. When I first received the gift card ( XXXX of 2023 ) I checked the balance and it showed {$100.00}. When I went to make a purchase, it was not working. I called the number on the card and was told it has a balance of XXXX. I found it odd since I had not used the card and was only in my possession for a day. The company didnt tell me when or where the purchase was made. They told me to send a fax, a copy of my ID, and my social security number. I of course did not do this. Its been months since the issue because it was already stated the balance was {$0.00}. However I was gifted the card with {$100.00} and would like to be able to use it.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

Response to CFPB # XXXX, XXXX Just today I received a response from XXXX with Ally Financial XXXX I do not have her email therefore I want to sum up this whole ordeal as I understand it and hopefully she can tell me if I am correct in the understanding? 

I took out a XXXX loan with Ally in XX/XX/XXXX and never once have missed a payment so much as even a day late. Not once. I co-signed for man daughter back in XXXX. She turned her vehicle in XX/XX/XXXX and later received a note saying she owed XXXX. Then in XX/XX/XXXX she received another letter stating she owed a new balance of XXXX. At the time she turned in the vehicle she was told she had to pay an additional XXXX monthly to compensate for her over mileage. We assumed that was the end of that. 
Then XX/XX/XXXX a letter came to the house saying she owed XXXX. I immediately sent the bill to her and she paid it. 
Now, I find a charge off on my credit report saying I never paid the XXXX. We moved from XXXX XXXX XXXX XXXX in XX/XX/XXXX to XXXX XXXX XXXX. Supposedly there were many attempts to collect that debt from me for the XXXX that I never received. I took out the loan for XXXX in XX/XX/XXXX so Ally certainly had my address. Why was mail still being sent to XXXX XXXX XXXX XXXX, I am and have been paying XXXX a month since XX/XX/XXXX and never once been late or missed a payment. Common sense tells you I would pay XXXX had I known. How many times was I contacted via phone? None. How many letters were sent to my new address XXXX XXXX XXXX? Not one. I have been a loyal Ally customer and I get XXXX charged off? That's the thanks I get? Unbelievable is all I can say. 
I will add, just today I sent letters to Ally CEO XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Ally XXXX XXXX XXXX. Not to mention Ally offices in XXXX Mn and XXXX Ky. I had no idea this was all over XXXX because today was the first I'm hearing about it. I assumed it was over the XXXX I am and have currently been paying. 
Come to find out the collection company said in the letter to my daughter she had XXXX amount of days to pay and avoid collection. She paid within that time frame yet Ally still charges off the XXXX and puts it on my credit report all the while I had no idea it was even owed? Unbelievable.
Consumer complaint received 2023-09-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

XX/XX/2023 I contacted Carrington Mortgage to make a payment due to not being able to send in by mail since Im overseas. I spoke to a supervisor XXXX that was very kind and advise after accepting my payment ( over the phone since my checking account is in the system ) that I would be able to make my payment via online or calling if needed. I attempted to make a payment of XXXX to my account XX/XX/2023 at XXXX and spoke with XXXX teller ID # XXXX that refuse to take a payment from me over the phone. My account has been flagged and sent over to the credit bureau once again flagging my clearance. 
XXXX XXXX did the exact same thing while under an active COVID for essence and still transferred my account to Carrington. Something needs to be done this is unacceptable and making it very challenging for members to make payments.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against XXXX  XXXX XXXX XXXX with the three major credit bureaus regarding a charge-off account issue. Despite attempts to resolve the matter, the three credit bureaus have failed to provide adequate information and assistance regarding my charged-off account.
Consumer complaint received 2024-06-14
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. (FL)

Per the FCRA as a Federally protected consumer. I am now opting out, of any and all authorization.

I the consumer may have given you written, unwritten, verbal, non verbal per 15 U.S.C 6802 and Privacy act of 1974.

Account I want to Opt out of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Opt out of these accounts
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-06-14
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX