davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL (FL)

I bought my XXXX XXXX phone on XX/XX/2017. I was very excited to have a new phone that had advertised a plethora of amazing features. Including the best camera on the market, and unlimited photo memory. In addition to the top of the line features, XXXX included a leasing feature that was almost too go to be true. With Synchrony Bank you could get approved for the XXXX phone almost immediately and pay 0 % apr for 2 years. Well, as it turned out it was too good to be true. The product that I have received is nothing near to what was advertised. I got a phone that does not even receive text messages or phone calls half of the time! 

I called for help within 30 days and was given the complete run around from XXXX. They have no location where you can return your phone or get help. They have a service center in a remote location who's sole purpose is to deny customer refunds after getting faulty products ( out of their 15 day warranty ) anyone after will have to suffer a {$700.00} loss and get a REFURBISHED replacement of what was supposed to be a WORKING PHONE. 


So in Regards to Synchrony Bank, I had called to report XXXX XXXX False Advertising of providing a working phone and decent service. In hopes that they might protect me with a refund as any other bank would do in a fraudulent situation. Ie. XXXX, XXXX, XXXX XXXX ... All file claims within hours to protect customers. 

What I got was a claim that was filed and a letter that would be returned within 60 days by paper mail. Mind you, I have a life and can not sit and wait all day for paper mail which I did not receive because I had moved. This claim said that ( XXXX did not accept my claim because of the 15 Day Refund policy!!! ) I waited 60 days to hear the same thing XXXX told me about their Fraudulent activity. 

It has been about 7 months with a broken phone, I do not receive important calls or texts ever. They tried to troubleshoot but it still did not work. 

So what I want to know is why XXXX and Synchrony Bank are protecting either 's relaxed approach to customer fraud. I have paid {$700.00} and have been completely scammed by two of America 's biggest retailers. 


All of my calls were recorded, but the only answers I kept getting were the contractual agreements. Well I did not contractually agree to buy a faulty phone.
Consumer complaint received 2022-10-15
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. (NY)

I have a XXXX XXXX  on my credit report. I have disputed many times with the credit bureau and ask for verification that this debt belongs to me, All the credit bureau sends back is payment history which I did not ask for that. I ask for what is the method of verification the credit bureau has been using. How did the credit bureau determine that this debt belongs to me without no verification. 

This charge off collection is reported completely under a different name that is attached to my credit report. My full name is XXXX XXXX XXXX. I want this charge off to be removed. The credit bureau also went ahead and close a charge off account
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

These need to be removed from my equifax credit report. I have already disputed them multiple times and they keep coming back up, causing me to have to re dispute them again. I am a victim of fraud and identity. This account and inquires are fraudulent and they are not mine. 

Item disputed XXXX - XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I believe I am a victim of fraud or identity theft and this account was fraudulently opened in my name. 
Item disputed XXXX XXXX XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine.
Consumer complaint received 2022-10-15
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXXnquiry Date XX/XX/2022
Consumer complaint received 2021-06-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (FL)

I previously filed a CFPB complaint XXXX on XX/XX/2020. The mortgage company Lennar Homes/Eagle Mortgage responded saying that they would work with us to resolve. Lennar has made no effort to resolve the issue to our satisfaction. After closing Lennar changed our mortgage from a FHA to a Conventional Loan without our knowledge, Lennar clllected MIP of {$3700.00} at closing and monthly payment of {$150.00} for a year and never sent the money to the FHA to fund the loan. We were only made aware when we tried to refinace and were told we didn't have FHA loan although all of our closing documents show we do. We would like you to reopen our original complaint to get them to resolve the issue. We contacted a lawyer but Lennar failed to respond to their request fro information.
Consumer complaint received 2017-07-19
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: Credit Plus Inc (FL)

Credit Plus misused the access I gave them to my credit reports and over the course of 6 days managed to run my report on 3 additional days for a total of 6 inquiries than what was authorized throughout my home buying process. These excessive inquiries are preventing me from obtaining the credit needed to purchase a vehicle. The only AUTHORIZED inquires were from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The following is a breakdown of the UNAUTHORIZED inquiries : XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX & XXXX & XXXX  XX/XX/XXXX XXXX After discovering the excessive inquires, I contacted Credit Plus and they provided no relief. I then received a copy of the authorization I signed with my lender which did not say that they would use my credit reports excessively. They did not address the fact that I was disputing inquiries that were not authorized. I am disappointed in the process for which they chose to use my authorized signature to retrieve my credit report on so many unneccessary occasions.
Consumer complaint received 2018-05-10
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: TIDEWATER FINANCE COMPANY, INC. (VA)

TIDEWATER FINANCE COMPAN XXXX XXXX XXXX XXXX VIRGINIA XXXX, VA XXXX ( XXXX ) XXXX The account was always paid on time and the company made and error and had agreed to correcting this with the bureaus. This corrected itself for one month and then came back. They are not keeping their word on making the account show current. I was never late. I actually paid the account in full as they are not honest. This company was recently the account that was used by XXXX XXXX who is no longer in business. 

I have demanded this be corrected.
Consumer complaint received 2023-02-10
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. (IL)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) 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, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : FXXXX : XXXX... 
U S DEPT OF EDXXXX : [ NO ACCOUNT NUMBER ] U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX XXXX : XXXX... 
USDOE/XXXX  : XXXX... 
XXXX XXXX : XXXX... 
XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Consumer complaint received 2021-06-16
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: JPMORGAN CHASE & CO. (NY)

XXXX XXXX-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX  XXXX -I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXXXXXX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXXXXXX XXXX - You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Consumer complaint received 2021-06-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXXEvaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX -I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX - You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Consumer complaint received 2022-10-15
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. (FL)

on XX/XX/2022 Certified Letter : SENT AND CONFIRM ( 1 ) XXXX ( 2 ) XXXX ( 3 ) XXXX 3 letters was sent each to different credit bureaus XXXX, XXXX XXXX TRANSUNION and before send multiple disputesI just received my investigation results. Being waiting for and I saw some accounts were verified. However, how is that possible if the open dates is inaccurate, the date last active is inaccurate and date last report is inaccurate this investigation was executed an very inaccurate way I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed you violated these laws as well : This ground for removal ALSO I HAVE ONLY TWO ADDRESS AND ONLY ONE NAME : XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) ( Delete this account immediately, unless you want to pay {$1000.00} per violation ) I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

the law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

i haven't given these accounts written permission to furnish these accounts on my credit report. 

1. Account XXXX : XXXX Account XXXX : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account XXXX : XXXX Account XXXX : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account XXXX : XXXX Account XXXX : XXXX 4. Account XXXX : XXXX Account XXXX : XXXX 5. Account XXXX : XXXX Account XXXX : XXXX 6. Account XXXX : XXXX XXXX Account XXXX 7. Account XXXX : XXXX XXXX Account XXXX : XXXX 8. Account Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX Account Number : XXXX 10.Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 11.Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX 12. Account XXXX : XXXX XXXX XXXX Account XXXX
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 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 instruction 15 USC 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 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 USC 1681section 602 A. States I have the right to privacy.

15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 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 instruction 15 USC 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 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 USC 1681section 602 A. States I have the right to privacy.

15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2021-06-16
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)

There are multiple student loans on my credit report that do not belong to me I have not opened these I have not been a studernt for many years and I have not used any of these I need them off my credit report since they belkong to someone else please help. 

Account Name : XXXX  Account Number : XXXX XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.