davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

What is this complaint about? 
My Synchrony credit card ( pep boys ) closed my account due to a high balance on my credit card and that I was over the credit limit by {$79.00}. Synchrony credit card fear due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk As of XX/XX/XXXX, I have a balance of {$2400.00} and I have been with Synchrony bank since XXXX I have never missed a payment never late 30,60, or 90 days. I made all my payments on time ( I enclosed a copy of my payment history from my credit report ) What type of problem are you having? 
The problem I'm having is due to the fact of synchrony bank closing my account my credit score went down 22 points causing me not to be able to apply for other credit due to a low score rating. 
I am attending college and I need to apply for a student loan this grievance of lowering my score by 22 points affected my ability to further my education and or apply for further student loans due to my credit score being too low. 

What happened? 
The actions that were taken by Synchrony bank : Synchrony bank closed my account on XX/XX/XXXX after checking my credit score. 
According to Synchrony bank they claimed my score was XXXX on XX/XX/XXXX which they said was too low and that I was a high-risk customer. 
Synchrony banks fear is due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk clientele, which is clearly discrimination of my ability to be a valued client. 
Synchrony bank pulled my credit score from XXXX XXXX Credit Bureau on XX/XX/XXXX which XXXX XXXX gave an inaccurate score of XXXX. 

What company is this complaint about? 
Synchrony Bank ( pep boy credit card ) Who are the people involved? 

Myself Synchrony bank XXXX XXXX
Consumer complaint received 2022-05-28
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. (CA)

In accordance with the Fair Credit Reporting act, DEPT OF XXXX account XXXX and XXXX XXXX Account number XXXX have 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 See below for account reporting information on three credit reporting agencies : Experian Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Education Loan XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number ( XXXX ) XXXX XXXX Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment po box XXXX XXXX, PA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Open Date XXXX XX/XX/2013 Account type Installment account po box XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NV)

On XX/XX/XXXX I used my US Direct Express Card at XXXX XXXX in XXXX XXXX where I live. On XX/XX/XXXX I checked my account for an expected deposit and noticed the account was empty and there were many charges that I did not make. 
I contacted them immediately and had the card cancelled and reissued. On XX/XX/XXXX I received two letters. The first one stated that I was being given a partial refund of {$730.00} for the completed investigation. The second said I was being issued a provisional credit of {$5300.00} for the not yet refunded amount until the investigation is complete. I did not receive the provisional credit so I contacted them on XX/XX/XXXX. I was told that it may have just not posted yet and to call in a week if it wasnt there. I called back a week later and was told that they took the provisional credit back because it was a large amount. They were still investigating and it would take 45 days. 
I called on XX/XX/XXXX and was told they were still investigating and needed more than 45 days, that it may need 90 days and to just keep waiting. 
I called again on XX/XX/XXXX and someone named XXXX opened an escalation and that it would take 3-7 days to be resolved. I called again eight days later on XX/XX/XXXX and was told that the escalation was open but that it may take another 1-3 weeks to complete the investigation. 
I own a business and was under the impression that they should have issued the provisional credit regardless of how much it amounts to if they take longer that 10 or 15 days. I still havent received it. 
The investigation should be pretty easy considering I was saving money in this account and not spending much, then all of a sudden someone went on a spending spree and emptied the account in a week all in a state I am 1000 miles from. 
Below is a list of the fraudulent charges. All of them are from the XXXX, MI area. I live in XXXX XXXX, NV and have not left town in years. Several of them are bill payments to debt collectors and car/phone/power payments. The card never left my possession. One of the charges is XXXX which is a purchase to get my personal information, Im sure. 
XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$65.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$100.00} ( Refunded ) XX/XX/XXXX XXXX {$34.00} ( Refunded ) XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$69.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXX XXXX XXXX {$98.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$23.00} ( Refunded ) XX/XX/XXXX XXXX {$880.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$650.00} XX/XX/XXXX XXXX  {$29.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00}
Consumer complaint received 2022-05-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

My complaint is against Midland Credit Management, which is a collection agency for XXXX XXXX. I have been paying my debt but they insist in reporting a higher amount of what I actually owe. I have called, send emails and letters asking for a review of my account detailing the payments I have made and the outstanding balance in order for me to pay it off and close this matter. I have been ignored even when I have sent them copies of of the checks they have received from me and paid by my my bank ( XXXX ). Their online page shows some payments but a check for {$2300.00} is not listed and therefore, the balance is incorrect.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SUNRISE CREDIT SERVICES, INC (NY)

I have a derogatory listing on my credit report that was paid and satisfied. The negative report is from Sunrise Credit on behalf of XXXX XXXX XXXX in the amount of {$150.00} dated XX/XX/2021.
Consumer complaint received 2022-05-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (KY)

XXXX failed to give me my title to me after i paid them XXXX dollars down payment then i walk outside to have my truck stolen by someone and XXXX has yet to acknowledge that they took my truck and havent told me where it is so i can go get my truck nor have they sent me the title.
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (KS)

I opened a CareCredit account so I could afford dental work. I am paying off my card as quickly as possible. In the meantime, this company is charging approximately {$54.00} per month for a scam " card security fee. '' I have asked NUMEROUS times for these bogus fees to be refunded and they have assured me that they would. That was about a month ago. Today I get a billing statement AND IT INCLUDES ANOTHER " security fee. '' I have called numerous times with no help of any kind. This is a complete scam and usury. I am now owing XXXX my initial dental purchase and NO ONE at CareCredit or synchrony bank will make this stop or refund the fees as they have said would occur. This is extremely frustrating and it is financially abusive to consumers.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have filed dispute with this company various times and all they have done was move late payment around I had one late payment there was an agreement to push the payment to the back of the loan due a hardship and they reported my account late. The lates are inconsistent on my credit reports. Each time I contacted them they said its nothing they could do. This lender is so bad XXXX XXXX they had a lawsuit against them having predatory lending to people who could barely afford the cars that were financed.
Consumer complaint received 2022-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

TRANSUNION COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} XXXX XXXX Original Creditor : XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXX XX/XX/XXXX
Consumer complaint received 2022-05-28
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: CORELOGIC INC (ID)

In XX/XX/2020, mine & my husbands credit was hit with a hard inquiry from CoreLogic, even though we did not apply for any new loans/credit cards/mortgage/apartment rental. We are unable to get ahold of anyone at CoreLogic and it has lowered my credit score by 15-20 points when an inquiry was unnecessary and not approved. I have not received any paperwork regarding this inquiry from CoreLogic. I have no idea why they would have ran my credit.
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2020-11-06
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: Experian Information Solutions Inc. (NC)

THIS COMPLAINT IS BEING SENT AND AUTHORIZED BY MYSELF! EXPERIAN  STOP REJECTING MY COMPLAINT AND RESOLVE THE CONCERN! 
I HAVE ALREADY SUBMITTED XXXX  AND ATTORNEYS GENERAL COMPLAINTS!
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

I HAVE APPLIED FOR A SHORT SALE OF A PROPERTY IN  XXXX , NC AND WAS PREVIOUSLY TOLD IT WAS APPROVED. WE OBTAINED A CONTRACT FROM A  PERSPECTIVE BUYER  SEVERAL MONTHS AGO, BUT  XXXX  KEEPS ASKING THE SAME QUESTIONS OVER AND OVER AGAIN, ASKS ME  XXXX  SEND IN  ADDITIO0NAL  DOCUMENTATION, WHICH BY NOW ARE DOCUMENTS THEY ALREADY HAVE. THE PEOPLE WORKING MY FILE, EVEN THE UNDERWRITER APPARENTLY HAVE LITTLE EXPERIENCE OR KNNOWLEDGE OF THE MORTGAGE INDUSTRY AND CONSEQUENTLY THEY KEEP ASKING STUPID QUESTIONS THAT NO MORTGAGE PROFESSIONAL WOULD ASK. I SEE NO END IN SIGHT OF THEIR INCOMPETANCE TO RESOLVE THIS SIMPLE TRANSACTION AND FEEL THEY ARE FORCING MNE INTO FORECLOSURE WHEN I HAVE BEEN ATTEMPTING TO WORK IT OUT WITH THIS SHORT SALE FOR ABOUT 6 MONTHS NOW. WE ARE AT RISK OF LOOSING THE BUYER DUE TO THE INCOMPETANCE OF CHASE MORTGAGE
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (IA)

I have been a victim of identity theft while in a coma. I suffered from amnesia as well for the last year. Someone stole my identity. My identity has also been involved in multiple data bridges the most recent date of breach being with XXXX. I did not consent to anyone pulling my credit or authorizing any credit cards. I believe someone in my family took advantage of my medical situation, but I can not prove it without the proper documentation to protect myself. Also, these companies are reporting inaccurate negative information on my credit file with all three credit reporting agencies. I have a right to do process, I also have a right to arbitration on these accounts. SEE STTACHED DOCUMENTS.
Consumer complaint received 2022-05-28
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. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (AZ)

Calvary collection agency is trying to collect on a debt for a MasterCard account via   XXXX   XXXX  . I do not recall ever having a MasterCard and have tried repeatedly to get proof the debt belongs to me by requesting a contract from Calvary bearing my original signature. Calvary has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that Calvary has been unable to provide this information and the debt still remains on my credit. Calvary is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XX/XX/XXXX and Calvary states it was opened  XX/XX/XXXX . Per the Fair Credit Reporting Act, changing the date the account is opened is against Federal  Regulations.
Consumer complaint received 2022-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (UT)

I am a Venmo customer. 

I have been frozen out of my account with no explanation. Just the email below. 

I tried to use online chat and to call. Nobody seems to be able to help or explain why this is happening. There is no appeals process or way to escalate? They wont answer their email either. 

Here is the email : We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. 

We ask that you please remove any and all references to Venmo from your website and social media accounts. 

You may transfer the remaining account balance to your bank account but you will no longer be able to access your Venmo account. 

We thank you in advance for your cooperation. If you have any further questions, please reply to this email. 

Sincerely, Team Venmo
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. 
Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 and XX/XX/2022 2022
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OK)

purchased a food truck on XX/XX/XXXX through XXXX, and it was supposed to be delivered to me on XX/XX/XXXX. I reached out to the seller several times, and he told me that he will send me the title in the mail, but he only sent me a letter stating that the title will be in the mail next shipment. I reached back out to him and he said he sent the food truck, but he was only using the letter for a tracking number from USPS to provide XXXX with a tracking number, so XXXX would think he sent the food truck to me. I never received the title or the food truck. I spent {$10000.00} only to receive a piece a paper in the mail, stating, I would receive the title within next shipment, that I never received, nor did I receive the food truck.I reached out to pay pal to reverse the payment and they said the wasn't and for me to deal with XXXX because they don't deal with vehicle.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Central Holdings, LLC (AL)

Under XXXX5 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX