davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX I am writing to express my dissatisfaction and frustration regarding a recent issue with my account ending in XXXX with XXXX XXXX, and the failure of Synchrony Bank to acknowledge receipt of essential documents I sent to resolve the matter. 

On XXXX, I sent an affidavit of identity, along with a copy of my ID and a utility bill, to the address provided by Synchrony Bank in order to verify my identity and resolve an issue with my account. My account has been frozen pending verification, and it has been over 21 days since I mailed the documents. 

The documents were sent to the following address : SYNCHRONY BANK XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX providing all necessary documentation and ensuring proper delivery, I have yet to receive any confirmation from Synchrony Bank that the documents were received and being processed. As a result, my account remains frozen, causing inconvenience and financial hardship. 

I am deeply concerned about the lack of communication and the delay in processing my documents. This situation has caused undue stress and inconvenience, and I expect a prompt resolution from Synchrony Bank. 

I kindly request that you promptly investigate this matter and confirm receipt of the documents I sent. Additionally, I urge you to expedite the verification process and unfreeze my account as soon as possible. 

Please provide me with updates on the status of my account and the resolution of this issue at your earliest convenience. I appreciate your attention to this matter and expect a timely response. 

Thank you for your understanding and cooperation.
Consumer complaint received 2022-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I've recently applied for a loan for an investment property home improvement. The Loan was denied for reasons that don't accurately follow the listed process for credit approval. I have an existing loan with this company, have never had a late payment, and was approved by the company when at the time I applied for it I had more credit debt and inquiries than I currently have. Additionally, my credit score is higher currently than when I was approved for the previous loan. There claim that I have " too many recent inquiries '' for which the total amount is only 4 and this includes there's recent inquiry. The most recent inquiry was 6 months ago and the other 2 are a year old. None of my revolving credit is over 50 % usage yet they claim it is too high. My overall credit is 45 %, and nowhere on the site does it state the threshold of what is considered " too high ''? Based on what they do state on their site which is " Apply, Accept Loan, and deposit '' as well as the " Characteristics shared by XXXX customers '' my applications beyond qualify but the reasons for decision-making do not add up and are misleading and or inaccurate to the process of applying.
Consumer complaint received 2022-09-22
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 XXXX Account # 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 without my written instructions
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Colony Brands, Inc. (AZ)

I am a victim of fraud. In 2018 I was contacted by the state of California that my social security number had been compromised. Someone had used my social security for employment, credit cards etc. I had consolidated my debt with XXXX XXXX XXXX contact Midnight Velvet for payment. They never completed the payment. I did not know Midnight Velvet had me down as a collection. Please remove all information from my credit report.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NV)

I opened a dispute for items i bought and returned I provided Wells Fargo everything they wanted Including my tracking # for the return And Wells Fargo will not give me my money
Consumer complaint received 2023-09-28
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: OneMain Finance Corporation (GA)

One main financial has failed to comply with their agreement. I was told on a previous loan before refinancing to have additional purchases such as *if something were to happen* and I did. I put in a hardship XXXX weeks ago and called and they are just now returning my call requesting money for a missed payment XX/XX/2023 Prior to the missed payment I have tried to contact the XXXXXXXX XXXX  office. XXXX hung up on me during the conversation and I attempted to call back and she stated the XXXX will call back and a later time and hung up once more. Its so unfortunate that these XXXX XXXX  companies have employees that lie and are distasteful to deal with.
Consumer complaint received 2023-09-28
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)

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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OK)

Around XX/XX/XXXX I contacted Navient to get my account taken care of and gave them my XXXX  XXXX XXXX XXXX. In the meantime, I had an issue with XXXX  and changed my direct deposit and finances over to XXXX XXXX. I contacted Navient spoke with a customer service rep and provided the account and routing number and asked that XXXX be the autopay account to draft on. I signed requisite forms etc. Then on XXXX, XX/XX/25 I received multiple phone calls from Navient accusing me of not making the payment and autopay had not been moved from XXXX to XXXX. I logged into the account and shared with customer service the details of my previous conversation with Navient. She responded asking me if I had the payment? I told her yes I did and it was a human error that the last rep did not follow through on XXXX being the autopay account. After she took my payment she shared that her " system '' could not process the autopay nor the deferment recently agreed upon. She promised she would call me back at XXXX XX/XX/25 to complete the autopay and deferment. No call back and my account is still outstanding and its harrowing to communicate with Navient. The reps talk over me, they don't llisten, nor do they honor their word.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This is a violation of 15 usc 1681a Transaction history is not part of a consumer report.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, 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)

For the last two years, I have asked XXXX, XXXX, and Experian to delete a charged-off account that I have with XXXX XXXX  because they keep re-aging it, which is a violation of the FCRA. However, instead of removing the account based on their inaccurate reporting, they keep re-aging and reporting the account with the same factual error ( re-aging ) which is a violation of the FCRA. This account 's date of last activity was on XX/XX/2020. Yet, XXXX and XXXX keep moving the the date of last activity to every month, including this one, and Experian moved it to XX/XX/2020 and has never bothered to correct it. I have sent letters to all three bureaus almost every month for the last year requesting the account to be remove. Yet, they have ignored my requests and keep re-aging the account in violation of the FCRA. The date of last activity determines how long an account will stay in my credit report. By re-aging this account they are repunishing me over and over again and the account will never drop off my credit report.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Upon review of my Credit Reports. I found that I have numerous Hard Inquiries on my reports that I did not authorize. ( See Identity theft report ) The following are Hard Inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-28
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)

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. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

National Credit Systems has reported on my consumer credit report for XXXX, XXXX, and XXXX a debt that I do not owe and they are saying the account is currently open. I do not have a debt with XXXX XXXX XXXX nor did I allow this to be placed on my consumer report so it was done without permission. The dates on the account show that it was active since XX/XX/2016, with account number XXXX. 

In accordance with the Fair Credit Reporting Act National Credit Systems account # XXXX has violated my rights. 

15USC 1681 SECTION 602 states I have the right to privacy.

15USC 1681 sECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-04-30
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. (TX)

Hello! 

I have tried contacting these companies but nothing is working and these credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on with this, The credit bureaus have Zero respect for the laws.

they need to be held accountable for their action toward consumer thanks
Consumer complaint received 2022-10-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account name Account number XXXX XXXX XXXX XXXX XXXX  services XXXX XXXX XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-07-22
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. (LA)

On XXXX, XXXX, XX/XX/2022, and In accordance with the fair credit reporting act, this creditor XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Capital One the financial institution and the ConsumeXXXX reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX Capital One whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My wallet was left at a bar and later recovered but no credit cards were missing. A day or two later various miscellaneous charges started to occur on XX/XX/22 through a period of XXXX in ( TX ) and out of state ( CA ) for a total of {$15000.00}. Once I noticed the various charges I called in and disputed the charges and received a new bank card in which the charges were removed from my account. Two months later without being notified of reasoning the charges were billed back to my card on my XXXX statement which ultimately lowered my credit score due to the charges being over the limit and effecting my utilization. I had to call and re-open the claim and talk with multiple agents for them to advise that they billed the charges back because the transactions were " in-person '' chip based. I have provided a police report of the situation to Bank of America as well.
Consumer complaint received 2024-03-27
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: National Credit Adjusters, LLC (SC)

I inquired about their services for debt consolidation. I decided not to use their services, and did not sign or authorize any contract, nor did I give them any credit card or banking information. However, when I looked on my credit report, they are showing a {$450.00} fee. I received absolutely no service, I did not sign or authorize any services, nor received any. I only inquired about their services.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (IN)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXXXXXX XXXX XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries