davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (OH)

Complaint sent to Synchrony on XX/XX/2020 for Synchrony 's application of retroactive deferred interest without notification. I have received no acknowledgement or response from the company either in writing or online. {$6100.00} was sent on XX/XX/XXXX electronically and applied to the account balance by Synchrony. The retroactive interest charge has not been removed from the account. 

Complaint sent by letter : " I recently discovered we were charged deferred interest in XX/XX/2020 for a remaining credit amount on a XXXX carpet purchase, account. The interest charge was significant 45 % of the current balance but most importantly I was not notified of the upcoming end of promotional period so that I could pay of the remaining balance. A warning was printed on the statement, but of course I was highly encouraged by Synchrony to sign up for electronic statements which means I never get the actual statement. The monthly bill reminders I receive instead include a minimum payment but make no mention of the ending promotional period. This practice of steering customers to electronic statement and then omitting any promotional balance date information is deceptive and very much in Synchronys best interest. 

I am immediately sending the outstanding XXXX purchase balance of {$6100.00}. I ask that you remove/credit my account for the total interest charge of {$2700.00} added to the balance on XX/XX/2020. There are two additional monthly payments from XXXX and XX/XX/2020 which may result in over crediting the account, these can be dealt with separately. ''
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

Beginning on XXXX  XX/XX/XXXX at XXXX XXXX, I checked our checking account balance and found that someone in California got a hold of our debit card number and started charging over {$1100.00} in food an entertainment! I called the credit union ( America First ) at XXXX. I was sent to call center in XXXX who took my report and supposedly put a hold on the transactions that were unauthorized and not yet cleared out account. Later in the morning, when credit union opened at XXXX XXXX I called again to speak with someone here. They informed us that they have put a hold on the account and to go in and get a new debit card. We did so right away. We were told that this issue would be taken care of in about 3 days and was high priority due to all of the charges. Well, here it is XX/XX/2022 and the credit union has let all transactions go through and empty our account of all funds plus pulled money from a line of credit to cover the fraudulent charges!!! 
We have had absolutely no money to live on as we had just received our auto deposited pay checks when this happened and the credit union could care less. I called again today, and was told they have just made this high priority but I was told week it was high priority and being worked on. Again we have no money and the credit union is lolly gagging about getting it back to us. We are having to use a credit card through them at this point. They say they don't know how much longer it will take, but we will receive a letter in the mail when complete!!! Very unprofessional and absolutely no security on our money what so ever. We need help, fast.
Consumer complaint received 2020-04-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN FINANCING CORPORATION (PA)

I applied for a loan from American Financing. Everything was going smoothly, and I was confident I was getting the loan. Although it was a FHA loan, and I had to repair certain problems on the house. For example, I repaired a railing on my front porch, and I also had to fill in a large hole in back yard because of pipe repair.. I also had to replace electrical outlets that were near water sources. The loan was signed and dated XX/XX/2019, so I was told that the loan was approved. The only reason I didn't get it sooner was because of work that had to be done on the house. 
Finally, everything was complete, and the only thing left was the closing. On XX/XX/2019, I was called by XXXX XXXX, and told that I was not getting the loan. He said the stimulus bill the government passed had changed the investors minds. The reason I didn't qualify was my credit score was too low. The FHA guidelines state that my scores are good enough to satisfy the loan. American financial said my scores had to be at least XXXX. I believe that this company committed fraud. Also, these new guidelines should not apply to me because I already had the loan, and started this process last year. WELL Before the start of the pandemic. I thank you for your time in reading this.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO
Consumer complaint received 2021-07-27
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. (NV)

XX/XX/2021 I contacted the the creditors about XXXX/XXXX  XXXX  being an account I didnt open. they told me to pay the balance and they would remove it even if it wasnt me. 

XX/XX/2021 I also contacted XXXX/XXXX  with the same problem and they offered me to pay. I did and no results.

I submitted a FTC report and locked my credit.

Every Bureau deleted except EXPERIAN.

Ive wrote them letters and they refuse to even correct the new information. They are making my life hard because if identity theft.

Account need to be deleted from Experian : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-02
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: I.C. System, Inc. (OK)

Dear XXXX  / XXXX  : I am responding to your contact about a debt you are trying to collect. 

Please supply the information below so that I can be fully informed : Between XX/XX/2020 and XX/XX/2020, a new account in collections was added to your report. The collection agency is I C SYSTEM. The original creditor was XXXX XXXX  XXXX. 


This debt was removed over 3 years ago for lack to validation within 30 days by all 3 Credit reporting agencies. Please go back in history and check to see the deletion. Now IC Systems is reattaching the debt again 3 years later. THIS IS ILLEGAL Attaching the debt 3 years later also stretches the date, which is also against the Fair Credit Reporting Reporting Actwhich is also ILLEGAL. 

Please remove from all Credit reporting agencies and they after frauding the debt and the date When I wrote the company itself, I demanded a copy of they contract or bill, and they could provide neither and nothing, not even original creditor, date of debt. Which is irrelevant since the debt was never validated 3 years ago within 30 days and removed from all 3 Credit Agencies, and NOW is put back on with a new starting date ... all illegal according to the Credit Reporting Reporting Act I am unsure WHY when I disputed the debt, your company validated the debt with NOTHING to prove the debt was good. Especially after it was proven invalidated years ago, and removed. Somebody needs to do their job more carefully. This lowered my credit 49 points. 



I expect this debt to be removed from my credit report IMMEDIATELY. I will be filing a complaint with the : State of Oklahoma Attorney General, XXXX XXXX XXXX  FBI XXXX  Fraud Division
Consumer complaint received 2022-10-03
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. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-03-24
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (PA)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (TX)

ok so the credit agency have just completely disregarded my consumer identity and i want to know how is it even remotely possible to report inaccuracies on my credit report with no reporting company? there is mistake after mistake on my consumer report? how many laws will they be able to break. how much of my livelihood will they be able to destroy? account in question 12940 they 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 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 2020-03-24
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. (AR)

XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$180.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-24
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. (AR)

XXXX XXXX  sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$180.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are Portfolio Recovery Acct XXXX Bal {$400.00}, XXXX  # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX Bal {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.
Consumer complaint received 2020-04-02
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: Sensible Auto Lending, LLC (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : SENSBLAUTO XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-02-25
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)

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX