davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

I have a XXXX XXXX credit card which was administered through XXXX XXXX until XX/XX/2024. Effective XX/XX/XXXX, Synchrony Bank is the new creditor. 
I tried to check my previous monthly statements today because the current balance that I was given by Synchrony seemed high.

I registered as an account holder and logged into my account. I only could see my past activity, not my monthly statements. I called customer service, and I was told that the statements are not yet available because they have not been uploaded yet. The customer service rep said it is going to take a while because there are so many XXXX XXXX XXXX  holders. My only option available, according to the customer service rep, to see my previous monthly statements, was for hardcopies to be mailed to me, which would arrive in XXXX to XXXX business days. 

I can no longer log into my XXXX account because the account has been closed. 
With XXXX, I opted for electronic delivery of my statements, because I wanted to be environmentally conscientious. Now, I can not even look at past statements to determine whether my current XXXX XXXX XXXX balance is accurate. 

There seems to be something illegal about a consumer not having access to past monthly statements because the statements have not yet been uploaded by the new bank. And the customer rep could not tell me when the past monthly statements would become available for viewing through my online account. Would you please help me with this?
Consumer complaint received 2023-11-16
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

I have received 2 new hard inquiries on my credit report for things I have never applied to. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/year> SYNCB/ TJX CO DUAL CARD ( bank ) on XX/XX/year>. 

The credit report so far only shows the deductions from the hard inquiries. It does not show if any of this was approved.
Consumer complaint received 2024-05-07
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. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MA)

My PayPal account XXXX was closed in XXXX due to fraud. Although the associated XXXX XXXX account still remained open, I could not access it online because the only way to access it was through my PayPal account, and my PayPal account has already been closed. 

This morning ( XXXX XXXX ), I received XXXX emails saying " You have new transactions on your PayPal Credit account ''. Because I don't have access to the account, I realized immediately that these were fraud transactions. I called customer service immediately. However after XXXX phone calls to talk to different customer service agents, I am still not sure if my issues have been resolved. They communicated very badly, and every time I talked to them, they were telling me different information. To summary, I have XXXX concerns at this point : XXXX. Dispute all transactions made on XXXX XXXX, since they are all fraud transactions. 
XXXX. Close this PayPal Credit account. DO NOT open any new PayPal Credit account under my name. 
XXXX. For the credit balance on my account ( {$140.00} I believe ), send a check of this amount to my mailing address. 
XXXX. Every month, I have a {$160.00} automatically scheduled payment to my PayPal Credit account. I need to cancel this auto pay since I don't want to keep overpaying my account.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (GA)

I sent a letter asking Experian, XXXX and XXXX to investigate my accounts. It has been over XXXX days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX  and XXXX  have XXXX  days to investigate and send me the results. 

And they also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below :
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MA)

My PayPal account XXXX was closed in XXXX due to fraud. Although the associated PayPal Credit account still remained open, I could not access it online because the only way to access it was through my PayPal account, and my PayPal account has already been closed. 

This morning ( XXXX XXXX ), I received XXXX emails saying " You have new transactions on your PayPal Credit account ''. Because I don't have access to the account, I realized immediately that these were fraud transactions. I called customer service immediately. However after XXXX phone calls to talk to different customer service agents, I am still not sure if my issues have been resolved. They communicated very badly, and every time I talked to them, they were telling me different information. To summary, I have XXXX concerns at this point : XXXX. Dispute all transactions made on XXXX XXXX, since they are all fraud transactions. 
XXXX. Close this PayPal Credit account. DO NOT open any new PayPal Credit account under my name. 
XXXX. For the credit balance on my account ( {$140.00} I believe ), send a check of this amount to my mailing address. 
XXXX. Every month, I have a {$160.00} automatically scheduled payment to my PayPal Credit account. I need to cancel this auto pay since I don't want to keep overpaying my account.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

Dear truist, I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the handling of a dispute I filed concerning a recent transaction. 

On XX/XX/23, I initiated a dispute with your bank regarding a purchase I made. I clearly communicated that I did not receive the item as described, and it was missing essential parts. To my dismay, it appears my concerns fell on deaf ears, as I received a letter advising me to wait until the package arrives before disputing the transaction. 

In an attempt to rectify the situation, I promptly called your customer service line to clarify that I had indeed received the package but that it did not contain the expected contents. During this call, I spoke with a lady from XXXX who acknowledged the mistake made by her colleague and assured me that she would take care of the issue. 

Regrettably, despite her assurances, no action has been taken to address the missing parts, and the matter remains unresolved. This has led to significant inconvenience and frustration on my part, as I am left with an incomplete item that does not serve its intended purpose. 

I understand that mistakes can happen, but the lack of follow-through and resolution after acknowledging the error is disheartening. I am exhausted from going round and round in this process without a tangible solution. 

I implore you to expedite the resolution of this matter and ensure that the missing parts are shipped to me at the earliest convenience. I believe a prompt and effective resolution is crucial in maintaining the trust and satisfaction of your customers. 

If necessary, I am prepared to escalate this matter further, including seeking assistance from relevant regulatory bodies. However, I sincerely hope it does not come to that and that your bank can swiftly address and rectify this situation. 

I appreciate your immediate attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-03
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. (PA)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus.
Consumer complaint received 2023-12-29
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed XXXX {$5500.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-03
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. (TX)

I want these XXXX loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My information has been leaked in recent data breaches and my information may have been used fraudulently without my permission. The following are discrepancies that were found on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Amount : {$440.00} # XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Amount : {$340.00} # XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX 

# XXXX. XXXX, XXXX. 
Amount : {$310.00} # XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$5900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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. (MD)

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XXXX XXXX, 2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XXXX XXXX, 2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX Balance : {$23000.00} will be investigated and updated from my report.
Consumer complaint received 2023-12-29
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. (WA)

My information was bought and sold illegally because I was a victim of equivalent data breach.I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothin.please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00}
Consumer complaint received 2024-01-03
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. (TX)

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute. 

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


Best Regards, XXXX XXXX
Consumer complaint received 2024-03-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I reported the capital one inquiry as fraudulent with XXXX and it is not going away. I contacted Capital One Auto over the phone and they requested I mail in the following : Name, DOB, address, SSN, fraudulent application number, and identity theft report. I mailed all this in to them and they are saying its still not enough proof.
Consumer complaint received 2024-01-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

* called Sunday XXXX - no voicemail - from XXXX - midland credit * called Saturday XXXX - no voicemail - from XXXX - midland credit XXXX called Friday XXXX - no voicemail - from XXXX - midland credit They tend to do this every few weeks on a recurring basis. Never leave a voicemail nor any correspondence. I verified their number ( s ) from their own site verbiage.
Consumer complaint received 2023-12-29
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXX Balance Owed : {$710.00} - tied up
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
Consumer complaint received 2023-09-03
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. (OH)

I currently have XXXX fraudulent accounts appearing on my credit report. 
XXXX. XXXX and XXXX {$16.00} XXXX. XXXX XXXX XXXX {$240.00} XXXX. XXXX XXXX {$190.00} XXXX. XXXX XXXX {$230.00} XXXX. American Credit Accept $
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Individual student loans were reported to the credit bureaus as in good standing. This provided my 28 year credit history. These were then removed and reported as one loan consolidated after I consolidated them and the 28 year history was removed which dropped my credit score due to it now only showing 7 month of credit history. These loans were supposed to stay on to show my 28 year history