davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I submitted my payment in full and in a timely manner via check sent through the USPS for the payment period of XXXX of 2023. XXXX is roughly XXXX miles from the processing facility in XXXX XXXX, unless ponies are still the backbone of the USPS mechanism, the envelope should have been received well in advance. Yet, I was charged a late fee of {$25.00}, and interest of {$39.00}, which I dispute. Additionally, I expect on my next bill to see some interest blood money added on. I can not control the mails, but when I drop the payment in the box in a timely fashion I do not think unscrupulous banks should be able to delay reception of on-time payments 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 I know the MAIL-BOX RULE has been upheld in countless cases, yet ignored by the financial system who nickel and dime honest people to death with fees and interest. I want all fees and penalties dropped and whatever sum they tack on next month to be waived in good faith. I'd like also for racism to end and for women have a fair shot in the workplace without having to smile and take it when harassed..
Consumer complaint received 2023-09-10
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (IL)

Dear XXXX, XXXX and XXXX, I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX Amount : {$690.00} Party Owed : XXXX XXXX Amount : {$770.00} INQUIRIES XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I am disputing this claim due to : I had know knowledge of these accounts addresses or inquiries nor did I give permission for anyone to sign up with their company underneath my information I have also sent dispute letters as well as FTC report to the companies and credit bureaus listed above This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (OH)

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting age can not furnish an account without my written instructions.

15 U.S.C 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2020-03-11
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: CITIZENS FINANCIAL GROUP, INC. (MA)

Summary of issue : A mortgage loan officer from Citizens Bank pulled a copy of my credit report ( hard credit inquiry ) without my authorization. 

Details : On Saturday, XX/XX/2020, I went to the Citizens Bank branch at XXXX XXXX XXXX XXXX, MA XXXX to make a deposit into my checking account. After I was done with the transaction, I asked the teller if they could let me know their current 15 year fixed mortgage refinance rate. The teller said he didn't know what the rates were but if I left my phone number he could have a mortgage loan officer call me and let me know the rates. So I provided my phone number to him. That afternoon I received a call from the Citizens Bank mortgage officer who provided me with the current rate. As the rate was too high compared to other mortgage companies that I had already inquired with, I said I was not interested, but she could let me know if the rate falls on Monday. This was a process I had gone through with 3 other lenders and they were keeping me posted on the rates. 
Shortly after I hung up, I received an email alert that a lender has requested a copy from my credit report. I was very concerned as I had not given anyone permission to pull my credit report. I contacted the Citizens Bank mortgage officer to find out if that was her. I did not hear back from her until the following day when she said that indeed she had pulled my credit report in order to give me a more accurate rate. ( I attach a copy of her email response ). I followed up over the phone and when I said that I had not authorized this credit inquiry she said she thought that I had given my permission to the bank teller at the branch. I have shopped around for mortgage rates and have refinance twice in the past without any lender ever pulling my credit simply to quote me a rate. I had not given her any indication that I was planning to refinance with her. 
I find this extremely unprofessional and feel that my privacy has been violated. Just because the Bank has my personal information ( because I have a checking account there ), this doesn't give these individuals the right to use my personal information without my permission.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have been charged with late fee even I pay on due date exactly. The capital told me because its when they received the money they posted to my account in which I dont believe that. Because when I make a payment with my debit card like I always do the money go directly to my account and my available money go up.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently checked my credit and notice this company has placed a collection on my credit. I have no knowledge of this company or even had an account with the original company which is XXXX. I called to confirm with XXXX that my name was not on my husband electric bill because my husband has been taking care of this bill for over XXXX  years. They confirmed that my name was not on his account. I called the XXXX XXXX XXXX over XXXX different times and once I gave my personal information they hung up the phone on me. I have recording these incidents with the witness of my attorney. 
I was a victim of Identity theft years ago and noticed upon my release from prison that my personal information had been compromised. Two long years of proving the accounts did not belong to me they were finally removed and now this is happening. I have kept all of my passwords and personal information very safe so I'm not sure how this came about but I'll love for someone to please help me. After years of XXXX  and changing my life this is a step back for me especially because this isn't my debt. Please help me 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 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
discover home loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (CA)

I PULLED A RECENT CREDIT REPORT AND IM STILL FINDING FRAUDULANT ACCOUNTS SHOWING UP ON MY CREDIT REPORT. THESE FRAUDULANT NEGATIVE ACCOUNTS ARE HURTING MY CREDIT PROFILE TREMENDOUSLY AND HINDERING ME FROM APPLYING FOR CREDIT. INACCURATE REPORTING IS ILLEGAL AND I HAVE DISPUTED THIS MULTIPLE TIMES. I WOULD LIKE FOR ALL NEGATIVE FRAUDULANT ACCOUNTS TO BE DELTETED ASAP. I DESERVE 100 % ACCURACY FROM THE XXXX XXXX XXXX NOT A COMPUTER GENERATED OR DATA BREACH REPORTING FROM ANY XXXX. INCLUDED WITH THIS MESSAGE IS MY MOST RECENT CREDIT REPORT FROM XXXX XXXX XXXX PLEASE LOOK AT THE INACCURACIES AND FRUADULANT ACCOUNT NUMBERS AND HOW THEY ARE REPORTING. AGAIN I KINDLY ASK FOR THESE ACCOUNTS BE DELETED/REMOVE FROM MY CREDIT REPORT AND UPDATE MY NAME TO ONE NAME, ADDRESS, AS SEEN ON MY XXXX ID.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My complaint is how my credit score is calculated. I have no debts, I pay my bills on time, and I do not have a history of negative credit behavior but because I have one old account that I refuse to pay an amount of {$210.00} on because I feel I was unfairly charged my score has dropped XXXX points from XXXX to XXXX. All because they say I owe them {$210.00}.
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (IL)

I recently got a job at a firm that audits Wells Fargo and in order to avoid financial independence issues going forward, I am trying to close my Wells Fargo credit card account XXXX. However, for some reason the account closure functionality on Wells Fargo 's self service online portal does not work for this account.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a complaint against XXXX XXXX XXXX account # XXXX on XX/XX/2023 because I found inaccurate reporting on my credit reporting from XXXX XXXX XXXX and according to the FAIR CREDIT REPORTING ACT I have the right to 100 % accuracy on my credit report. I complained about the inaccurate DATE OPENED, HIGH CREDIT DISCREPANCIES, LAST REPORTED DATE DISCREPANCIES, DATE LAST ACTIVE DISCREPANCIES, DATE OF LAST PAYMENT DISCREPANCIES, & TWO-YEAR PAYMENT HISTORY DISCREPANCIES. The company responded on XX/XX/2023 that the information reported on my credit report was verified and accurate which is completely false because I pulled my credit report after my monthly report updates on XX/XX/2023 and XXXX XXXX XXXX still has inaccurate information and discrepancies reported on my credit report. The law states that if ALL inaccurate information & discrepancies arent updated within 30 days of the complaint then the account MUST be DELETED from consumers credit file. I request that the account is deleted from my credit report immediately! 
I have attached documents to support my claim such as : - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - Companys response that verified was accurate and verified which is NOT TRUE. with response HIGHLIGHTED According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy section ( 5 ) ( A ) ( i ) states : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Consumer complaint received 2023-09-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc. (TN)

am a victim of both the XXXX and XXXX data breaches. I have experienced frequent fraud accounts since! If these accounts are not removed immediately, i will be filing litigation against all 3 credit bureaus ASAP!
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Free Credit Report : I have for more than five years, requesting a free credit report from this ( Equifax ), as of this writing, they have not provided a report to me. I hope, through your office, the agency can tell you why and what is the reason they have not provided the report for me. This agency have denied every credit inquire made on my behalf.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XX/XX/2023 RE : Social Security Number : XXXX To Whom It XXXX Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Full Address : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Consumer complaint received 2020-03-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Federal Student Loan Doc Prep LLC (NJ)

It was advertised as LOAN FORGIVENESS SERVICE under the XXXX Umbrella. Spoke to a man named XXXX XXXX XXXX Ext # XXXX. Had me on the phone for over an hour. I explained to him I was sick for a few years LOST EVERYTHING & I HAD FILED BANKRUPTCY. Well he took all my information ect. He gave me all the right choices???? He put me on HOLD 15 MINS. Came back to the phone and OFFERED ME A 20 YEAR PLAN. Sounded real nice during that time I asked him WHATS THE CATCH. HE EXPLAINED TO ME SINCE I FILED BANKRUPTCY I WOULD MAKE A PERFECT Client???? XXXX told me the sooner I pay for the PLAN IN FULL. I COULD JUST REPORT MY EARNING EVERY YEAR FOR NEXT 20 and at {$500.00}. IT WOULD BE IDEAL. I MADE MY 1ST PAYMENT FROM MY CHECKING ACCT # XXXX FOR {$250.00} ON XX/XX/XXXX. Once payment went thur XXXX told me that a person named XXXX or XXXX would be getting in touch with me. 5 days later I WAS INFORMED THAT I WAS DENIED FOR THE LOAN FORGIVENESS PROGRAM. I CALLED SEVERAL TIMES JUST TO BE TOLD THAT THEY a Document Company. I WENT BACK AND FORTH WITH THE WOMAN NAMED XXXX XX/XX/XXXX XXXX ; XXXX XXXX, SHE TOLD ME XXXX IS OUT OF THE OFFICE AND WOULD CALL ME AFTER THE HOLIDAY???? WELL ITS XX/XX/XXXX NO REFUND OR PHONE CALL. THIS COMPANY IS A SCAM AND I WANT MY {$250.00} BACK. I DIDNT NEED THEM TO FILE ANY PAPERWORK ON MY BEHALF I COULD HAVE DONE THAT FOR FREE. THEY ADVERTISED AS A LOAN FORGIVENESS COMPANY. HOW MANY OTHER PEOPLE ARE OUT THERE????? PLEASE HELP ME GET MY MONEY BACK.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

I wrote a letter to check and verify these accounts for a 100 % accuracies and completion if not under the fair reporting act please delete. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WI)

I would like to highlight a pattern I've become privy to with SYNCHRONY. As you can see, the first complaint response from them, through the CFPB, I was DENIED my right to revoke POA and my payment instrument ( MY DIVIDEND COUPON ) which I endorsed to SYNCHRONY, was denied ; however, SYNCHRONY failed to return my coupon. 

I recently received a letter from SYNCHRONY, asking me to complete a form for revocation of POA. I followed their instructions and the fax number they provided, for me to send my paperwork, was invalid ( attached ). It appears as though this is some kind of a deliberate game, interfering with my family time and quality of life. Upon further discovery, after reading their public Indenture Trust Agreement, which they've unlawfully breached, I also found two relevant cases involving complaints against SYNCHRONY, which resonates with me, unfortunately. It appears I am not alone in my suspicion of criminal practices. 

" XXXX XXXX Synchrony Bank, Civil Action XXXX : Plaintiff XXXX XXXX XXXX filed XXXX XXXX XXXX Synchrony Bank and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX violations of the Fair Debt Collection Practices Act ( FDCPA ) and claims for breach of contract, fraud, and intentional infliction of emotional distress. 
The dispute arose from a debt owed on a Lowe 's credit card that XXXX had settled through Freedom Debt Relief ( FDR ) with Synchrony Bank. 
Despite the settlement agreement, a debt collection agency, XXXX XXXX XXXX, filed multiple Warrants in Debt against XXXX, alleging unpaid debt on the Synchrony credit card. 
The Warrant in Debt was eventually dismissed without prejudice, but XXXX & XXXX filed a third Warrant in Debt. 
XXXX filed a complaint with the XXXX XXXX XXXX XXXX ( CFPB ) and received communication from Synchrony acknowledging the settlement of his account. 
The case is ongoing, and Synchrony 's motion to dismiss some counts was granted in part and denied in part. 
XXXX v. Synchrony Bank, XXXX XXXX. XXXX : Plaintiff XXXX XXXX XXXX filed XXXX XXXX XXXX Synchrony Bank, alleging XXXX Synchrony failed to furnish accurate credit information to the consumer reporting agencies ( CRAs ), which impacted his creditworthiness. 
XXXX had accrued credit card debt with Synchrony and claimed that Synchrony reported his outstanding debt to the CRAs, affecting his credit reports. 
The court denied Synchrony 's motion to dismiss the complaint, allowing the case to proceed.