davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/XXXX and XXXX synchrony bank debt my checking account for the entire balance of my XXXX XXXX credit card. This resulted in a positive balance on this credit account. 
Around XX/XX/XXXX I requested a balance refund and was told it will take up to 15 working days to receive the refund check. 
15 days passed and I received a letter from synchrony Bank stating I was not eligible for refund. 
Around XX/XX/XXXX I called synchrony Bank to again request the balance refund and was told it will be mailed and to expect 15 working days to receive this refund check. 
On XX/XX/XXXX called to inquire about the status of the refund check and was told they will reissue it.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX charged the incorrect account for charges for XXXX XXXX he is not on my account nor authorized, XXXX has contested charges thru this merchant as they falsely misrepresented themselves and he disputed with this company that they took out these charges from the incorrect account as XXXX used to be on my account last year and was removed for my account because he is no longer a teenager. This company has been disputed by XXXX because they charged him for an XXXX package thru XXXX and then he was charged for a car and hotel fee at destination he already paid for these charges. Bank of america is aware that XXXX was not on my account when these charges were pulled from my account.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMERCE BANK (MO)

Debt of XXXX was paid in full on XX/XX/2023. I was told in writing that it would be reported as paid in full within 45 days. They neglected to handle the matter. 

My credit score has suffered from this account reporting negatively. I called and asked for a correction. It's now the end of the year and it's still reporting negatively.

I am now requesting that the account be deleted from all 3 credit bureaus as, this has affected my interest rates on a recent car purchase, slowed my process of securing a home as a first time buyer.
Consumer complaint received 2023-12-13
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

My accounts are with Synchrony Bank and they are Care Credit Card and Amazon XXXX card. Both have been active and used for many years. I was abruptly notified that both accounts were closed due to returned payments. I may hve been late on a few payment but promptly paid the the day after they were due. After hundreds of timely payments I may have been late on one or several payments over the last five years or so. In addition when my payment is late they assess me with a forty dollar late fee which I pay. My balances are not excessive and I have paid them hundreds in finance charges. I find the egregious as my Care Credit Account has a line of {$8000.00} and had used about {$3000.00} of it.So now I still owe the balances and continue to make make payments on time. I need the Care Credit line to pay some uncovered dental work.Do I have any recourse. They so aggravated me that I am tempted to stop paying them anymore and let the pursue me which will be unsuccessful since my only income is my Social Security benefit which is more than enough to satisfy all my finacial obbligations.
Consumer complaint received 2023-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

My loan servicer is Mohela. I called Mohela today ( XX/XX/2023 ) and told the representative that I had received an itemized billing statement for the first post-pandemic payment that I made on XX/XX/XXXX, which contains itemized repayment amounts for each loan and the total repayment amount, but had received only an auto-debit notification for the second payment I made on XX/XX/XXXX, which contains the total payment amount only. I requested a billing statement for my XX/XX/XXXX payment and for all future payments. The representative told me that because I had signed up for auto-debit payments, I had forfeited my right to receive monthly billing statements. I asked her if I had ever been informed of this policy in any communication from Mohela. She said this policy was contained in my auto-debit application approval ( see attached XXXX  ) and the terms of my auto-debit agreement, but I havent been able to locate a passage in either document that states this. Mohelas Auto Debit Disclosure states : XXXX ) Auto Debit Statements. You will receive a monthly account statement from Servicer including each student loan on Auto Debit. [ https : //www.mohela.com/DL/resourceCenter/AutoDebitDisclosures.aspx ]. I believe I am entitled to an itemized monthly billing statement that contains how much I am repaying for each loan, and not just the sum total of all loans contained in my monthly auto-debit statement.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: The CBE Group, Inc. (FL)

In accordance to Fair Credit Report Act XXXX Account # XXXX, has violated my rights. 

15 Usc 1681 Section 602 States I Have the rights to Privacy 15 Usc 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 Usc 1666B : A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MN)

On XX/XX/23, I contacted AidVantage, my student loan servicer to understand how I can make a principal only payment on my student loan once my regular monthly payment had been made. I received a confirmation that the request for information was received but I never received a response. So on XX/XX/23, I spoke with XXXX XXXX, Employee ID XXXX who told me that any payments I make in addition to the regular monthly payment will automatically be applied to the principal balance and will not be applied towards the interest. I was very clear that I want all additional payments, above my monthly payment, to ONLY be applied to the principal balance of my student loan. I was assured several times that all additional payments would go towards the principal, not the interest. As a result of this conversation, on XX/XX/23, I submitted an additional payment for {$160.00}. XXXX and see that {$18.00} of that payment went towards interest and the remaining went towards the principal. On XX/XX/23, my automatic payment of {$320.00}, which is double my required monthly payment of {$160.00}, was posted to my account and shows that {$72.00} was applied to interest. 
It is unethical financial practices to not allow people to make principal balance payments against their debts. I have a legal right to payments against my student loan principal balance and AidVantage does not apply barrows to do this and in fact, was misleading about my ability to do this. I am requesting that AidVantage apply all payments previously made and made in the future, in excess of my monthly payment, be allocated it towards my principal balance only.
Consumer complaint received 2023-12-13
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 (FL)

There are 2 hard credit hits on my credit report that I did not do. I want them to remove the hard hits to my credit. One of the company is XXXX and the other is Lowes.
Consumer complaint received 2024-04-03
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)

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. 
**See Attachment, I have several accounts about 30 they are highlighted in Yellow has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

***I am not able to get a job in my career field or even buy a home for me and my kids. I am not able to assist my XXXX XXXX due to lack of income because of my identity fraud. This is hurting my life and my kids. I am a XXXX XXXX and trying to live. Please remove this false negative information. Thank you
Consumer complaint received 2023-09-22
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. (NV)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I contacted the risk and closure department today XX/XX/2023 I was told I can go to a bank branch and receive funds from my checking account that was closed. Im thankful and happy about this however since my bills are way past due and I face eviction I need the funds from my savings accounts as well one savings had {$500.00} another had {$1000.00} again to reiterate this is a problem I face eviction from non-payment of rent I take care of my Aunt that is XXXX and on XXXX my Aunt can not stay in a shelter and we do not have family here in this state that we could stay with not to forget to mention it is holiday time and I literally have no money because BANK OF AMERICA HAS IT ALL. If Bank of America needs proof of where my money came from I can provide proof Ive received my money from employment, unemployment, student loans, and personal loans I'm willing to provide this information if it helps. A check for the two savings accounts being issued is unacceptable I need to retrieve all funds from all accounts by showing up in person with my ID and SS card to verify my identity. This is unacceptable please please please help get this resolved so I can retrieve all funds at one time.
Consumer complaint received 2023-12-12
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank closed my XXXX XXXX XXXX Account claiming that I made a {$30.00} that was returned. This was a payment supposedly done in XX/XX/2023 when my Synchrony Bank Account was on a Natural Disaster Deferment. In other words, no payment was retired. Therefore, I did not schedule a payment for the month of XX/XX/2023. My bank, XXXX XXXX does not have a record of such a payment even being presented from Synchrony Bank for {$30.00}, during the month of XXXX. The last payment my bank has was made and cleared my account on XX/XX/2023, for {$7.00}. Because of the supposed {$30.00} payment being returned, Synchrony Closed my XXXX XXXX XXXX Account. Once again, I did not make the payment of {$30.00} in the month of XXXX, nor did I authorize anyone to make a payment on my behalf.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NE)

TD Retail Card Services XXXX XXXX XXXX XXXX SC XXXX Credit Card opened by someone else with my credit information in fraud and now they are changing my address. I am concerned about timely resolution. 

I was notified by my company 's Fraud Protection Agency. I contacted TD Credit Card Services and was told there was no account open in my name or social security number on XX/XX/2023. 

I put a freeze on my credit through 3 credit bureau reporting agencies to stop future issues. 

I received 2 letters stating that I had requested an address change on XX/XX/2023 from TD Retail Card Services. I tried to call and customer service was helpful and told me to call a different number for Retail Card Services. She explained there are different types of cards issued by this company. I tried to call them and they are only open Monday - Friday XXXX - XXXX.
Consumer complaint received 2023-12-10
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX acct XXXX XXXXXXXX, XXXX XXXX XXXX acct XXXX XXXXXXXX and XXXX XXXX acct XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-11
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX XXXX They put a late payment and collection on me for this account, i was in the military when someone took this out in my name, i let the company know but they did nothing about it, I am taking legal action but this is gross negligence that is affecting me and needs to be deleted
Consumer complaint received 2023-12-10
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 Disputed the payment accuracy of this XXXX account XXXX that is now closed I requested proof that all these payments were in fact late but looks like they are only re-arranging the late payments between months and updating them which I have proof of this also payments are reporting with different statues across all three bureaus how is that possible? In XXXX on XXXX XXXX XXXX XXXX and XXXX are all 30 days late and XXXX marked as 60 days late the account was closed in feburary how are payments still being reported as " on time '' for the remaining months on a closed account? the " update statues '' states " too new to rate '' this account is closed with two year payment history not possible next thing on experian XXXX and XX/XX/XXXX are marked as 30 days late but XXXX XXXX XXXX are current where XXXX is marked as late which one is it? XXXX again reporting different statues from the other two XXXX XXXX and XXXX are late XX/XX/XXXX is late but is current on the other two I am demanding that this account be removed from my credit report by law all three bureaus have to be reporting the exact same accurate information in addition the payment history/ dates late across the board have numerous innacurate information All 3 bureaus are provided with same reporting information and have failed to report accurate information after if any negative remark is found that is innacurate or keeps reporting i will not hesitate in bringing legal action against XXXX for violation of XXXX after deleting this account please provide me with an updated credit report reflecting the changes.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian is improperly reporting an invalid credit report from XXXX XXXX XXXX whom XXXX sold an invalid invoice in my name. I have already attempted to resolve the issue with both XXXX and Experien, and neither will cooperate in removing the invalid report. Please remove this from my record and hold XXXX, XXXX, and Experian accountable. As a consequence of this fraudulent report, my credit score has dropped over XXXX points and I am unable to procure necessary financing to live my life.
Consumer complaint received 2023-12-10
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. (DE)

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. 

Contact callers ( 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of infor mation 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 2024-06-10
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. (TX)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section XXXX part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (OH)

Received a prepaid debit card in mail from cash app. I did not authorize or create any account and currently do not have a cash app account. Received card on XX/XX/23. There is currently an unauthorized account in my name on cash app.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.