davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-02
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (IL)

We recently tried to move {$30000.00} of our college savings for my daughter to Synchrony Bank, but have found Synchrony to be very unfair and deceptive in their process. After a month, they have yet to open the account or begin paying interest. I have called them several times and continue to get different excuses each time I call. One person ( XXXX ) suggested in his message that we endorsed the check wrong. ( But when we call him back during his supposed work hours, he never answers the phone and he never returns our call. ) Another said the system had timed out and I needed to start the process over. And a third suggested that maybe it was because my daughter did n't have a credit history. ( I tried to apply before she turned XXXX, but Synchrony descriminated against minors and refused to allow us to apply. ) I 've tried to call Synchrony at least 10 times and they rarely return my calls and when they do, they call when we 're at work so they do n't have to talk to us. 

This all started when I started the application on XXXX XXXX, 2016. At the end of the process, Synchrony 's system responded " Thank you for your interest in opening a Synchrony Bank account. We 're working on your application. If we need additional information, we 'll contact you within 3 business days. If you have any questions please call us at XXXX. Account opening ID : XXXX. '' Having heard no concerns after 3 days, we withdrew the money from our credit union and mailed it to Synchrony ( so it was a bank check, not a personal check ). Since that time, they have n't opened the account and wo n't give us a straight answer as to why or what they need to resolve the problem. I 've tried to escalate to a member of management, but they do everything possible to not escalate. They are very resistant and will only give in after the customer gets angry. When I finally got the call escalated to XXXX, I thought maybe I was getting somewhere. But then she did n't return my call either and was careful not to provide her full name or phone number. 

They are also abusing the process by keeping our check and not returning it so that we can go to a different Bank that really wants our business. We 've lost nearly a month 's interest, not to mention the time for all of these calls and now this complaint just to try to get our money back. 

Last week, I left XXXX yet another voice mail sharing my expectation that the funds were back in my hands by the end of the week. I received neither a response nor the check. When I called today, they insisted that I explain the whole thing over again. I had to again get angry to get the call escalated, but then XXXX response was more excuses and to blame me for not calling the right area of the bank. 

This is probably the worst service I 've ever received from a bank. Please help me get my money back from Synchony and stop them from abusing other customers this way!
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: MoneyLion Inc. (IL)

on XX/XX/XXXX i plced an order for 8 egg rolls from XXXX XXXX  the rotal was XXXX dollars they charged me XXXX i contacted the merchant and then charged me XXXX additional dollars for what rhey claim was an error fro XX/XX/2022 for an XXXX XXXX  i no nothing about nor was i even made aware of i want these charges refunded back.
Consumer complaint received 2017-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (KY)

at XXXX XXXX. i received a phone call from enhanced recovery at XXXX XXXX giving me a phone number which being the same as above, with a medical number of XXXX stating that this was a debt collection agency, when i called to the number to complain they want me to sign up for a free florida vacation. If you answer the questions to satisfy them they switch you to a XXXX XXXX talking about the free vacation. I told them i received a phone from enhanced recovery and had a reference number stated above and they hung up. This telephone number calls my phone numerous times a week, so i decided to return the call and found out it was fake, i would like to have this business checked out, i am on the do not call list, thanks
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NJ)

I am formally making a complaint against synchrony bank regarding my guitar center card ( acct # XXXX ), I received a voice mail from them today ( XXXX/XXXX/16 ) informing me that my account was past due XXXX payments and a delinquent was reported to the credit bureaus, which is the sole negative on my credit history ever and has lowered my fico. 
I informed them that there must be an error because I have been enrolled in autopay for the past 2 years, I was also informed that there are XXXX late charges ( $ XXXX {$60.00} ) and they stated they will not remove them, I even pointed out that the XXXX & XXXX payments posted without issue, however, the last person I talked to that hung up said she did n't see any information ; I have been attempting to resolve this issue all morning and have gotten nowhere, I have been hung up on 3 times today when I ask to speak with a supervisor, I dont know what recourse I have but this can not be allowed to stand and I can not be bullied and have my credit score impacted when I have never had a derogatory or late payment with any of my accounts and there is no on I can talk to to resolve this issue.
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that are still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2021-11-21
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. (TX)

I had some fraudulent items on my credit report, I submitted this information in a letter to the credit agencies. It has been over 50 days, and I have not heard back from these agencies. Here are the tracking numbers that show they received my mail, but ignored my requests. XXXX XXXX, XXXX XXXX, and Equifax XXXX. These agencies ' neglecting my account has caused me a great deal of distress and to lose various opportunities.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MO)

Ditech sent my Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX. Section 5 of that statement is a table showing " What Happened Since My Last Escrow Review. '' The column titled " What You Actually Paid to Escrow '' is missing an entry of {$260.00} for the month of XXXX. This number plays a key role in arriving at my true shortage. I wrote a complaint letter to Ditech on XXXX/XXXX/XXXX and received Ditech 's response on XXXX/XXXX/XXXX. In its response, Ditech states " Please note that as of XXXX XXXX, XXXX, a payment had not been received ; therefore, the monthly escrow payment of {$260.00} was not reflected for XXXX XXXX, after the analysis was completed. '' Failing to insert this number for XXXX XXXX inflated my total shortage by {$260.00}. I disagree with Ditech because I have never missed a payment and although my payment due for XXXX XXXX, XXXX arrived XXXX/XXXX/XXXX ( after the XXXX/XXXX/XXXX analysis date ), Ditech should have inserted $ XXXX ( expected payment ) for XXXX XXXX, just like the entry for XXXX XXXX. I wrote a second letter dated XXXX/XXXX/XXXX asking Ditech to reference its position within RESPA 's Regulation X and Ditech refuses to respond. I presume Ditech may not have responded as it is claiming this t be a " Duplicative Notice of Error '' ( 1024.35 ( g ) ( 1 ( i ). Even if this is true, I still believe they are required to notify me within five business days of making such a determination ( 1024.35 ( g ) ( 2 ).
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : MB # XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: North American Credit Services (FL)

Two amounts appear on my credit score under  XXXX only. The amounts are {$500.00} and {$340.00}. They are originally debts from XXXX XXXX XXXX. The filing collections co is North American Credit Services. Both debts were paid off on XXXX XXXX 2017. North American Confirmation numbers are, # XXXX and # XXXX. At this point North American has neglected or refused to take this off my credit score. Thanks
Consumer complaint received 2022-10-13
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX Balance XXXX {$12000.00} ; XXXX XXXX XXXX Balance XXXX {$4800.00} ; XXXX XXXX XXXX Balance XXXX {$7100.00} ; XXXX XXXX XXXX Balance XXXX {$3600.00} ; XXXX XXXX XXXX Balance XXXX {$7000.00} ; XXXX XXXX XXXX XXXX Balance : {$190.00}.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (FL)

I SEND A LETTER TO EACH CREDIT BUREAU BY XXXX ON XX/XX/2022. THE TRACKING NUMBERS ARE AS FOLLOW ; XXXX # XXXX, XXXX # XXXX AND EQUIFAX # XXXX. I GIVE CLEAR INSTRUCTIONS TO REMOVE INFORMATIONS I DONT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802. NO FINANCIAL INSTITUTION SUPPOSE TO SHARE MY INFORMATION TO A THIRD PARTY PEOPLE. 
THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (TX)

I recently reviewed my consumer report and noticed there was a collection account opened back in XXXXXXXX XXXX XXXX  with XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX, I have no knowledge of this account, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Consumer complaint received 2022-12-17
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6900.00}.
Consumer complaint received 2021-11-21
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. (OH)

I Recently checked my credit profile and i saw Multiple fraudulent accounts and fraudulent inquiries. Those fraudulent accounts are XXXX {$18000.00} XXXX XXXX {$780.00} XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$5200.00} XXXX XXXX {$360.00} XXXX  XXXX {$1000.00} The following inquiries are fruaulent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I Have reached out to the furnishers and they each told me to contact Experian, XXXX & XXXX. I have filed a FTC REPORT, AN IDENTITY THEFT REPORT AND A IDENTITY THEFT AFFIDAVIT!
Consumer complaint received 2021-11-21
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. (MN)

The XXXX XXXX Installment Loan Account listed on my Experian and XXXX credit report for {$5200.00}, and that was opened on XX/XX/2021 is not my account. Its a fraudulent and unauthorized installment loan account. The XXXX  XXXX XXXX credit inquiry from XX/XX/2021 is a fraudulent and unauthorized credit inquiry.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (OK)

I deposited a fairly large check into my checking account. The check cleared. The funds are still in the checking account. But they have closed my account and will not mail me a check for the remainder on my account. Isn't this illegal?
Consumer complaint received 2022-12-17
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. (LA)

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$7000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (PA)

I am a consumer affected ( by Equifax XXXX website report ) by the Equifax breech. They directed me to sign up for free for their Trusted ID. Yet when I attempted to do so, the log in page showed that someone had used my email to do so already ... .and that my birthdate and Social did not match. After a month of contacting Equifax about this ( see attached emails ) I still Can not log into Equifax XXXX TrustedID site, nor can I get a password reset.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (AR)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account : XXXX XXXX XXXX Balance Owed : {$2600.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (GA)

We sold our home and paid the full amount of the mortgage to Newrez Mortgage Servicing {$120000.00} on XX/XX/23 via wire transfer from the closing attorney. It has been over 30 days and the account is still being reported actively open and late. I called Newrez on XX/XX/23 and advised them that they legally have to report my credit accurately every 30 days, but was advised by their loan servicing department that they will report my account paid in full at 60 days after the loan was paid off in full from XX/XX/23.
Consumer complaint received 2024-02-17
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. (FL)

In accordance with the fair credit reporting act account # Account info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured 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 2021-11-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (WI)

On XXXX I received an email that Paypal has permanently restricted my account with no explanation or reason for restricting. I've used this account for personal purchases and family transfers and they can not state why it was restricted with money still in my account.
Consumer complaint received 2021-11-21
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)

I started asking for reinvestigation on accounts in XX/XX/XXXX. I spoke with a consumer law professor and he told me to send it again and i did but nothing changed. I have been reporting these same accounts since XXXX and it is now XX/XX/XXXX and they are still reporting the accounts. I also filed an identity theft report with the FTC and also sent the XXXX a signed FTC report which was notarized and mailed first class mail, certified return receipt. The company then sent me a letter saying that I need a police report but XXXX XXXX ( A ) states provide FTC Identity Theft Report, Identification, and confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. So now it's clear that they are continuously violating my consumer rights. In XXXX they sent a letter that said that they couldn't verify my identity and asked for the same identification that was sent and the next day I received a letter and email telling me that they verified the accounts. So you verified the accounts after you stated you couldn't verify me, The Consumer, natural breathing person, and Original Creditor? That alone makes no sense.