davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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: SYNCHRONY FINANCIAL (TN)

I am complaining against Synchrony Bank for their refusal to remove a fraudulent inquiry from my consumer credit profile. Despite having filed reports with both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, Synchrony Bank has failed to take the necessary actions to rectify this issue. 

I discovered a fraudulent inquiry on my credit report by Synchrony Bank. I immediately took the following steps : 1. Filed a report with the FTC.

2. Submitted a complaint to the CFPB.

Despite this, Synchrony Bank has refused to remove the inquiry from my credit profile, and sent a response to me challenging the validity of my identity theft matter. I have no open accounts from those inquiries and need them removed. All inquiries in which continues be furnished from Synchrony Bank to my credit profile negatively impact my credit score and overall financial well-being. Synchrony Banks inaction is not only causing me undue stress but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information from consumer credit reports. I respectfully request that the CFPB take immediate action to ensure Synchrony Bank removes the fraudulent inquiry from my credit report and ensures compliance with all relevant laws and regulations.
Consumer complaint received 2024-05-18
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. (GA)

Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/1994 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXX ), XXXX XXXX under the account number ( XXXX, ), XXXX XXXX under the account number ( XXXX ), XXXXXXXX XXXX  under the account number ( XXXX, ), XXXXXXXX XXXX  under the account number ( XXXX, ). I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud.
Consumer complaint received 2024-05-19
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)

The consumer finance reporting agency which is you guys are here to protect my rights as a consumer. I need you guys to do your jobs respectfully and remove these accounts from my credit report. The account I have a major problem with is the account I had with the Department OF ED/ XXXX. The Account number for this account is XXXX. This Account is closed and paid off with the Department of Education but it appears on my Experian account 28 times with different opening dates. Its also appears on my Experian account under the name XXXX with the same account number. This account with the Department of ED/ XXXX and Navient with the same account number is hurting my credit score and hurting my chances of obtaining credit .Its not fair or right for this paid account to be appearing on my credit report 28 times that's excessive and hurting my chances of getting credit. It also needs to be known that all of these accounts are 10 years or older and accounts should only be on a credit report for the most 7 years.
Consumer complaint received 2024-05-18
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: Experian Information Solutions Inc. (CA)

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up.

Additionally, please send me an updated copy of my credit report after your reinvestigation. 


Account Name : XXXX XXXX XXXX. 
Account Number : XXXX
Consumer complaint received 2024-05-28
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: SYNCHRONY FINANCIAL (NJ)

I have seven hard inquiries on my report that I do not recognize. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Syncs/amazon XXXX XX/XX/XXXX Syncb/TJX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Tracking number are as followed : XXXX Account names : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXXk NA XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX IN 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 an account without my written instructions. XXXX5 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 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

I have abput 5 withdrawls from my Debit card that someone took out money in another state. 
the amounts where {$200.00} {$200.00} {$500.00} {$300.00} {$200.00} They where takin and bank wont give me money back. even though it clear shows we made a purchase here in XXXX Il on the sameday as the money was taken out in Florida
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I hope you're well, but I need to express some frustration. I've been trying to get my credit report from EQUIFAX, but they keep saying no. This is the tenth time I've tried, and it's really not okay anymore. I've included extra documents to support my case, like copies of my ID.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (MI)

I recently have looked at my credit report there is multiple inquirys that were not made by me. 
The second thing is one of my accounts one main financial. shows a late payment and is incorrect. I called they said they would fix it but only updated with XXXX but not XXXX XXXX or XXXX 
1 : their was a hard inquiry from XXXX. This was not done by me 2. There was a hard inquiry by XXXX XXXX done not by me 3. There was a hard inquiry by XXXX XXXX done not by me.
Consumer complaint received 2024-05-20
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: EQUIFAX, INC. (MS)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-09
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. (CA)

Take this complaint seriously, it is absolutely stressing me out and making me anxious on how could this happen. These companies pulled up my credit report without my authorization nor consent. I do not recognize these inquiries nor have applied for these.
Consumer complaint received 2024-05-20
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: EQUIFAX, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-18
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. (IL)

I do not recognize these credit inquiries and I have ask for them to be removed but the bureaus did not do as I asked I am providing a identity theft report from my Experian and I am requesting the inquirys to be removed because they are inaccurate and not mine.
Consumer complaint received 2024-07-02
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. (AL)

I have been sending FTC Reports from identity theft website and Transunion will always make a excuse to why they cant remove the Accounts that listed on my credit report ( like sayin the FTC report ) is invalid when they remove the hard inquiries that was listed but didnt remove the account also today XX/XX/year> I called to try to speak to either a supervisor or a US Representative and 2 agents answered the phone one name XXXX and the other name XXXX they wouldnt transfer my call they said they doesnt have the option to transfer me and hung up in my face very rudely. Transunion is very corrupt. I been sending them FTC report that came off the website and them been telling me for 2 years now that the valid FTC report that I sent is not valid they constantly making excuse I also just spoke to a supervisor from transunion who name is XXXX and he told me that the federal trade commission documents that I sent in was invalid also I been trying to get these accounts remove for 2years now and they telling me the same thing These accounts that on my Transunion Credit report is not on XXXX XXXX XXXX and XXXX why Transunion is being sued from FCRA and CFPB that have Fradulent information reporting on people credit and they want investigated or remove the items I have a attorney involved im taking legal actions I had enough
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (SC)

My Sephora Visa Card held with Commenity Bank expired in XXXX of 2024. I did not receive an new card with an updated expiration date, so I contacted Commenity Bank via phone customer support in XXXX and requested a new card. My request was processed however I never received the new card. I made subsequent requests for a new card on XX/XX/2024 and again XX/XX/2024, both times confirming my address on file is correct, but I still have not received a new card. I have not had trouble receiving any other mail. 

On XX/XX/2024 I contacted Commenity Bank again to explain the problem and requested that they send a new card via mail service with a tracking number. I was told it's not possible to send me a new card through the mail with a service that uses a tracking number. I asked what I was supposed to do- if I do not have a valid credit card, I can not use the account. 

Without a new card, I am unable to access my account for purchases, redeem earned rewards, or take advantage of extra points and rewards only provided to card holders rendering the account useless. 

My only remaining option is to pay the balance and close the account. The customer support agent agreed with my assessment. Therefore, Commenity Bank is not upholding their end of the credit agreement.
Consumer complaint received 2023-09-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Waterfall Revenue Group (NJ)

My wages are being garnished. This company sent all of the correspondences to an address that was not mine for a wage garnishment. By default, the judgement was granted and the company has seen proof that this medical bill was paid. Collection agency described as " Waterfall '' or " XXXX XXXX '' has some sort of relationship with the judge in XXXX XXXX and brings their cases there. My debt was not in XXXX XXXX and I am not from XXXX XXXX.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc. (NY)

AIDADVATAGE says I owe over XXXX. Since XXXX and that my name is XXXX XXXX XXXX. I've never used XXXXXXXX XXXX XXXX  in my life They kept trying to get me to say on a reordered line that it's me and it's not so I will not scammed This is on my credit report also ..this is unfair and I want either payment for the pain and suffering I've endured for thf past 30 hrs over this embassment or I want it disposed of I will not pay a bull under someone else 's name
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have made multiple attempts and have physical documentation of my XXXX XXXX disputes with XXXX, XXXX and Experian dating back and starting in XXXX of 2023 and certified mail every XXXX days until now. All 3 of the credit bureaus ignore my dispute requests and continue to publish inaccuracies on my credit report and fail to notate that the account is even in dispute. 

XXXX - This account is inaccurate and has been re-aged since the date of delinquency/date of last payment do not match across the XXXX credit bureaus. 

XXXX XXXX - This account is in violation for failure of notating this account is and has been in dispute for months. 

XXXX XXXX - This account is inaccurate in the payment status and history. One credit bureau reads as current and the other shows late. 

XXXX - This account is inaccurate showing late 60 days on a closed account
Consumer complaint received 2017-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This letter is being sent to you in response to a computer generated, unsigned letter dated XXXX XXXX XXXX, letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. <P/>This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. <P/>At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : PORTFOLIO RECOVERY ASSOCIATES, LLC. The state law for OHIO in which I am a resident, your letter does not meet the minimum standards of the OHIO UNIFORM COMMERCIAL CODE Chapter 1319 : MISCELLANEOUS CREDIT TRANSACTIONS see 1319.12 O.R.C. Taking Assignment of Debt.
Consumer complaint received 2024-05-18
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: Experian Information Solutions Inc. (CA)

I disagree with the account listed below, which still appears on my credit report despite your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are significantly affecting my credit score. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified this account, so I may follow up.

Please also send me an updated copy of my credit report following your reinvestigation. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2017-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of Americas check hold policy/risk department literally put me and my fiance in harms way being out at sea without the insurance we tried to purchase before the trip. We sold our home in XXXX California and drove across country to pursue our dream of living on a boat and travelling. We had a credit union in California but needed to open an account that would hopefully allow us easier access to our funds. On XX/XX/XXXX I went into the XXXX, Florida branch to deposit the funds from my credit union in California. I spent over an hour with a branch manager to make sure that I understood their Hold Notice ( see attached ). They give you {$200.00} upfront and then Hold code A was supposed to be released allowing me access to {$4800.00} and then hold D was to be released on XX/XX/XXXX for the remaining balance of {$15000.00}. Neither of those dates were honored even though I have the Notice of Hold outlining the dates and amounts. ( see attachments ) I was not notified by phone, e-mail, or text that they were not honoring the hold notice. I was informed at the grocery store by the cashier that my card did not go through. Upon my effort to find out why, I was informed that they did not release the {$4800.00} and that the {$15000.00} was going to be held until XX/XX/XXXX. The risk department wanted to place the burden of proof on me that the check had actually cleared. Now, that I dont have internet access what they want me to produce is not possible. They blamed my credit union saying that would not verify the check had cleared. The credit union offered to do a three way call with them to validate that the check cleared. That was not possible because the risk department much like the XXXX XXXX XXXX never speaks to the customer. I was able to supply them with the front and back of the check but that did not suffice. Apparently it takes 24 hours to escalate within the risk department so now we have lost yet another day. I spent three full days trying to resolve this to no avail. All I received was lobotomy type responses from all of their terrified employees to go off script and try and help. We did run into trouble and did need to get towed to the tune of {$1300.00} ( see attached receipt ). BofAs draconian, arbitrary, greedy hold policies turned what was supposed to be a beautiful trip into a XXXX nightmare. This has to be a violation since I have the hold notice that was not honored and through no fault of my own. The cash was not actually in my account until XX/XX/XXXX @ XXXX XXXX in the morning.