davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

I am reaching out to express my ongoing concern regarding the unresolved matters pertaining to my recent fraud claim. While I acknowledge your admission of responsibility and the resolution in my favor, I must convey my serious disappointment with the insufficient response received thus far. 

Upon reviewing my credit report today, I discovered that Synchrony Bank is still listed, despite confirming the fraudulent nature of the claim on XX/XX/2023. Under legal obligations, financial institutions are mandated to promptly report instances of fraud to credit agencies. Unfortunately, I observed that Synchrony Bank failed to notify XXXX, even after the resolution of my fraud claim in XX/XX/2023. It's important to note that this neglect is violation of the Fair Credit Reporting Act ( FCRA ), a federal law that prohibits creditors from furnishing inaccurate information to credit reporting bureaus. 

This oversight has significantly impacted my financial standing. The delayed correction of the fraudulent activity has adversely affected my credit score, prompting a three-month pause in my business activities to engage credit repair services. Consequently, my credit score, consistently in the XXXX, plummeted to XXXX due to a harsh pull initiated by Synchrony Bank. The financial losses incurred and the disruption to my business operations are substantial, considering the severity of the identity theft. 

The origin of this incident, stemming from a routine XXXX XXXX appointment, highlights the unexpected and distressing nature of this identity theft. The gravity of the damages caused can not be overstated. 

Upon contacting XXXX, it was confirmed that Synchrony Bank failed to fulfill its legal obligation to report the fraud, exacerbating the adverse impact on my credit score.

I believe in the importance of resolving this matter amicably and trust that Synchrony Bank will take swift action to rectify the credit reporting issue and provide the requested compensation. However, I must emphasize that, regrettably, I will have no option but to pursue legal action if these concerns are not adequately addressed.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN EXPERIAN AND XXXX, THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

EXPERIAN : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed. 
XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

6. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of XXXX XXXX  XXXX XXXX Account Number : XXXX*** This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a jointnotification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed. 
7. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX  Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed. 

XXXX : 1. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.
Consumer complaint received 2023-12-25
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 (FL)

To whom it may concern I spoke with fraud department from Sams Club over and over again. They never fixed the problem so I had no choice then to close the account because charges was being made that it wasnt me. I came to realize it after a year that I was noticing that all my credit cards was being paid off except Sam. Got upset because nothing was done.

I made a police report and gave them the case number as well. Sams every month reports to the credit viewer and managed to keep my scores low Verizon does the same thing I dont know what the heck is going on case # XXXX. 
Thank you have a great day. I hope someone can do something. Thank you. Phone and Sams credit card has been compromised and Ive reported it. Thank you
Consumer complaint received 2023-10-09
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. (NY)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XXXX they were saying that a bad check was past. They never disclosed an amount. They never told me where the transaction happened until XXXX. I filed disputes with Bank of America twice, one in XXXX and one in XXXX of XXXX and that is when they told me that the bad check was for {$1200.00} and it was cashed in XXXX, Illinois. After they disclose that information they closed the account and told me that I had to pay for the bad check. Basically hindering from doing any other type of banking activity. Whenever I call to dispute the check they give me the runaround and refuse to give me any documentation that I am the one who cashed the check.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

On XX/XX/ 2023 I opened a chime bank account. I deposited {$1500.00} on that same day. On XXXX XXXX I received an email from Chime stating that they were closing my account. They did not give a reason or refund me my money that I deposited in the account. Over the course of the last year I have 14 documented times where I have called as well as emailed with Chime and was still never able to rectify the situation. In XXXX I gave up. I didnt know what else to do. Somebody gave me your link, and I finally am feeling hopeful again.
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/ SYNCHRONY BANK closed and charged off a major credit card account ending in XXXX in my Name. SYNCHRONY BANK states they own the account, but they do not own my information in said account. SYNCHRONY BANK proceeded to sell my information to XXXX XXXX XXXX XXXX without my written permission ; constituting identity theft as well as well as violating the Gramm-Leach-Bliley Act as SYNCHRONY BANK is a financial institution who is to remain compliant with the FTCs Gramm-Leach-Bliley Act. XXXX XXXX XXXX now has all my Nonpublic information. And per contract law, XXXX, XXXX has no enforceable contract with me.
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

In XXXX, I signed up for auto-debit which allowed MOHELA to automatically withdraw money from my account every month when my payments were due. By doing so, they would decrease my monthly payment by {$30.00}. I received a confirmation email on XX/XX/26 stating that I will be enrolled in this program. 

However the last few payments that have been automatically deducted still did not reduce the payment by {$30.00}. I am still paying the full amount monthly AND being automatically withdrawn from my account.
Consumer complaint received 2023-04-18
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my deep frustration and disappointment regarding the continued presence of a charge off, account included in bankruptcy, and public record entries on my credit report, despite numerous attempts to have them removed. Regrettably, I must inform you that this is now several attempt to address and rectify this issue, yet the problem persists. 

I demand immediate and decisive action to thoroughly investigate these inaccuracies and ensure their complete removal from my credit report. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future and to restore my trust in your company 's integrity. 

I urge you to prioritize this matter and take all necessary measures to address it promptly. My confidence in your company 's ability to uphold the highest standards of accuracy and accountability depends on your prompt and effective resolution of this issue. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX  XXXX XXXX Balance : {$2400.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

We have received letters stating we have exceeded the minimum number of payments. Yet balance was not XXXX out and they have started taking our direct deposit payments again. It's MOHELA and they blame feds for transferring our loan around. No one can give us a straight answer except " it's being taken care of ''. When we call we get " it can take up to 90 days '' ... .it 's been over a year now!
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

In XX/XX/2021 I learned that Wells Fargo aided and abetted XXXX XXXX XXXX in defrauding me out of {$25.00} XXXX dollars. Wells Fargo knew or should have known that that company was engaging in financial abuse of a vulnerable person like myself and did nothing to help me but instead turned a blind eye.
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently noticed after disputing account with TRANSUNION, that the accounts came back inaccurate again. I am filing to have TRANSUNION commence a reinvestigation regarding some accounts I originally disputed. The accounts I speak of are incomplete and violate 15 USC 1681e ( b ).
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6200.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

I am getting threatening phone calls from Navient, they are asking me to take money from my XXXX to play for my private student loans from the XXXX XXXX of XXXX from 2008. 
Navient had also called my childs daycare looking for me in regards to these student loans.
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

Im a full class member of XXXX XXXX XXXX and lender Mohela has taken loans out of forbearance and now reporting them as 30 days past due. They have not processed the full discharge as approved by the class action suit and they are continuing collection efforts and harassing me. Ive requested them to place back into admin forbearance and they said no also asked federal student aid to notify them of this requirement and they have notified Mohela twice but Mohela still refusing.
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

Documents uploaded on XX/XX/XXXX to show proof of income for plan Sent email on XX/XX/XXXX to inquire on status of loan due to no updates. Was supposed to be contacted within 15 business days XX/XX/XXXX message was finally responded to saying my documents are still being processed. 
It has been 3 months to process proof that was asked from me. Loan was in forbearance then active, accrued interest then set to forbearance again. This is fraud as I am providing documentation yet they are unable to process within the time frame that they are putting my loan in Forbearance
Consumer complaint received 2024-05-29
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. (TX)

FAILURE TO INVESTICATE : XXXX Experian stated the bankrupcy would remian on my account not advising me where the source of information was provided from. The court DO NOT give this information to the credit bureau this is a violation of my FCRA RIGHTS- Bankrupcy is not a credit its a court account and courts do not verify or provide data to the credit bureaus. This is inaccurate information and a violation of my FCRA rights. Please remove this inaccuracy from my credit report or provide where this information was given from since the court do not provide the credit bureaus with this information.
Consumer complaint received 2024-04-29
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. (MN)

In accordance with the fair credit reporting act. The list of accounts below have violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX account # XXXX XXXX XXXX acount # XXXX 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 with out my writing instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the folling items of information any other adverse iteam of information, other then records of conviction crime which antedates the report for more then 7 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 information is inaccurate
Consumer complaint received 2023-12-29
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank has been shutting down all my accounts I have with them and reducing my credit limits even with my good payment history and being a long time customer with them. I did reach out to them on XX/XX/23 and they stated I was a high risk and they keep pulling my credit which results in inquries being placed on my credit report. I have some of my accounts with them over XXXX and I always pay on time or before time, so I need to know why are they harassing me by closing down my accounts and reducing my limits
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XXXX of 2022, a XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$9700.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.