davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank just cancel my account out of nowhere and it messed up my credit for no reason when I made all the payments on time. I didn't even know that was legal to do to a consumer. So XXXX5 U.S. Code 1681 C-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in Void. Thank you for your time.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (IL)

I reach out to XXXX to investigate the XXXX account and why is it in my account when I have no knowledge of this account and I never open this account and they told me to reach out to the XXXX company which I have and they have no information about that account and they arent able to send me a letter due to having no account open that is XXXX under my name and Im so confused why is it taking so long to get it off my credit? I called several numbers and no help at all. So please help this is hurting my credit and I need to have it removed.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

All of my student loan accounts were paid in full as of XX/XX/22 and the credit agency refused to report a XXXX balance on all of them and mark them as paid. The last update they had was XX/XX/22. They did not update my file intentionally even after they were given proof of paid status.
Consumer complaint received 2019-09-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Finance (OH)

I took my loan out with XXXX. NCP Finance does their lending. 

I was told that there would be a coupon credit to my account if I come to their location to pay off this loan. Yesterday I was told that is only if I pay it off early. I was never told that just that it would be done at payoff. There is nothing in my loan documents or disclosures that explains this. Also with the fee they added my APR is over 430 %. Ive already paid {$1700.00} on a {$900.00} loan. Now they want {$1000.00} more. They are predatory lenders.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX i received an email from wells Fargo that I had been approved for a credit card. I called the number in the email and told them that i did not apply for the credit, do not send the balance transfers that were associated with the application. The lady said not worry that it will be taken care of. On XX/XX/XXXX, we received a bill from wells Fargo showing that the transfers were made when we told them not to do it. 
So we asked them how to correct it and we were told that XXXX would have to send the money back to Wells Fargo. XXXX has tried more than once to do this. Finally in XX/XX/XXXX, according to the statement from XXXX, the larger payment of {$7500.00} was returned to Wells Fargo. But Wells Fargo keeps saying that they never received the money back nor will they tell me the account information to send the money to. The one thing that they do was close the account and most people agree that you can not send money to a closed account, but again, wells Fargo will not say where to send the money. So in the meantime, my XXXXredit score has dropped over 100 points and wells Fargo refuses to provide a possible solution for the issue. All you have to do is look at the statements from the XXXX accounts and you can see that the money was never used, that it sat there and in the case of the smaller amount, {$1000.00}, is still there. There has been no benefit from these transfers.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation (CA)

I have asked Avant for copies of my contract with my signature. They are reporting two  accounts with one included in bankruptcy which I have never been in. 

I have asked for both accounts on my credit reports to verify the signature and they have not sent me copies after a few request to do so. The included copies show a payment schedule but no proof of payments made and no proof of a signature. 

Thank you
Consumer complaint received 2022-12-01
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. (MS)

There are 2 items on my credit report that do not belong to me. One is from XXXX XXXX, the other is from XXXX XXXX. The consumer reporting agencies and secondary data furnishers have violated my rights and continued to report these false accounts despite the fact that I notified them in XX/XX/2022. I also have provided them an identity theft report. According to The Fair Credit Reporting Act Section 605 B, any consumer reporting agency must permanently remove and block any item from a consumers file that the consumer informs them is a result of identity theft. Also, my rights are being violated for the simple fact that the accounts are furnished on my report without my written permission. This is a violation of 15 US Code 1681 Section 604 a Section 2. XXXX XXXX  is committing tax fraud by reporting this false account. The IRS considers charged off accounts to be income.
Consumer complaint received 2021-07-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have contacted XXXX, XXXX, and XXXX  repeatedly since XXXX of 2021 about a fraudulent auto loan with Bank of America. I disputed as fraud and sent in supporting documents along with a police report and FTC report. I was told the account was verified but no supporting documentation was sent to me to verify this. I reached out to Bank Of America XX/XX/2021 informing them about the fraudulent account. Bank of America sent me 2 letters dates XXXX XXXX, and XX/XX/2021 informing Me that they had completed research and denied my claim.Bank of America never provided me with any documents to support this decision. Ive been unable to rectify this situation over the phone as Bank of America will not provide me with their method of verification or anything. I explained to Bank of America it is a direct and willful violation of the FCRA to continue to report fraudulent unverified information on my credit report. I have attached my certified mail letters with return receipts, along with my FTC report, and correspondence from Bank Of America.
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TN)

Sirs and Madams : Wells Fargo is jerking us around in every possible way with exhorbitant fees and charges ( i.e., account negative, check paid, insufficient funds applied ), forced me to pay a {$31.00} fee on a Wells Fargo Cash Wise Visa card to stop an Au to pay when, in fact all that I needed to do was call a number that was given me by Wells Fargo to stop the AutoPay, which was free gratis - never advised that I could effect the same end, free gratis, telling me that I had funds available on said cash wise visa card, when, in fact, they exacted a {$35.00} insufficient funds fee applied when I received money from an ATM for said funds available, told Wells Fargo that I wanted to change my account number to forego additional charges from any and all Auto Pay instances, to find later that they carry everything to my new account, thereby making the account number change meaningless for all practical purposes -- a total waste of my time as they referred everything to the new account. Had more than {$250000.00} in their money market savings account that never earned a single red cent, which was a total wash - no moneys earned ever in the account. Wells Fargo is purposefully not fully informing account holders of consequences and matters involving their fees and charges, nor advising account holders of no money, possibly, would be earned in their money market savings account. When I deposit money into the account, they extract huge amounts, reportedly fees that I never knew, no was informed that they were applied and the money taken out. They are carrying a negative amount in my account and in lieu of insufficient funds available, they are both paying some, and applying insufficient funds. They need to be closely audited and monitored for their practices as they ARE crooked. Also, Gas Bill payment was returned when funds WERE available.
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OH)

In XX/XX/2018, have applied for carecredit under Synchrony bank for a XXXX XXXX in the amount of {$1500.00}. The total cost of the XXXX XXXX  was {$1300.00}, and this is charged on the XXXX of XXXX 2018. I was informed multiple times by the worker at the dental office and the representative of carecredit that this load has no interest and the load will be pay off in 18 months. They recommended me to enroll in autopay to prevent late payments, so I did. After 20 months, they continue to charge my card, and after reviewing the online statement which they sent to me with little to no information in the email body. I discover that I currently still have a remaining balance of XXXX, which was more than what I start off with. After contacting them, I was told that the zero interest promotion ended in XXXX ( which I was not informed or contacted by anyone ). They told me that the minimum payment that I make every month is not sufficient to pay off the loan in full, and they place a XXXX dollar interest charge on my account in XXXX. After further investigation online I found that Carecredit had history of this ill behavior, and was charged by CFPB to refund XXXX XXXX dollars. They fail to follow the enforcement of " representatives will contact most CareCredit consumers within 72 hours of the initial transaction to explain the product to them over the phone. In addition, for certain transactions of more than {$1000.00}, consumers will enroll directly through a CareCredit representative and not through the doctor or dentist office representative. '' I talk to them about such matter, but the representative was rude and insist that I have full responsibility for the balance. He threatens to hurt my credit score, so I have no other choice but to pay the amount in full at this time.
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MoneyLion Inc. (CA)

I had a chapter XXXX BK which recently got discharged not to long along. I previously had a Money lion Plus membership, as well as an active investment account with Money lion. Dealing and battling identity theft is draining financially so i go to withdraw my investment money from my Money lion  account, and i was told i couldn't withdraw because of an outstanding debt i had with them. I called money lion to see why i couldn't withdraw my investment funds, and the agent told me i couldn't withdraw because i stilled owed them X amount of dollars.So before i could withdraw, I needed to pay what i owed them. I told him that any alleged debt has been wiped, and they can not collect on a debt that has been discharged in my Bankruptcy, That is illegal and against the law, and that i will be seeking legal action against them for every violation they accur.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (CA)

I opened an account to transfer XXXX to be paid {$700.00} to keep the amount for 90 day. When I opened the account they just provide me XXXX account which it has been charging me $ 30 month when my saving was under {$50000.00}. At the time of opening they didn't offer any other saving account for not charging {$30.00} under the required amount. There were no explanation for my to choose a different account not to be charged. 
I have been charged {$30.00} since last XX/XX/2021. I visited the bank and closed my account with the bank. 
I believe they have to explain other option to the clients other than what they like to offer.
Consumer complaint received 2022-12-01
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.
Consumer complaint received 2022-12-03
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. (IN)

They are reporting to equifax that I have a charged off credit card account with them. The purchase was returned and the account was to be closed. There never was an amount due because I returned the item within 3 days and closed the account. I want this either changed to paid as agreed or deleted from my credit profile with equifax
Consumer complaint received 2023-03-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (KS)

I contacted XXXX about this loan and loan amount. I only borrowed {$1000.00} and they are trying to collect more than I owe. They refused to provide me with a detailed statement when asked. These loans are a rip off and very unaffordable. These type of business should be illegal because its almost impossible to pay it back.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

ENHANCED RECOVERY COMPANY has put a debt collection notice on my XXXX  credit report. This account was already removed from my report and they have tried to illegally re-age it by adding it with a new date to make it appear as if it is a new account. I have not received anything prior to this notification and it is detrimental to my credit score and my ability to use my credit to rent an apartment, buy a car, and other things that require a good credit score. 


I have filed a complaint with the CFPB before and they had to remove it. Now they are trying to add it again in hopes of damaging my credit score and causing distress to my life. This needs to stop. 

I will also be filing a report with my California State Attorney General to let them what this company is doing.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX : 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 Has violated my rights :15 U.S.C. 1681 section 602 A. states I have a right to privacy.

:15 U.S.C . 1681 section 604 A. section 2. also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-21
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: Bread Financial Holdings, Inc. (GA)

Hello i have contacted XXXX numerous times have disputed these inquiries several times. They were not done by me and I have no knowledge of these inquiries. COMENITYBANK/WAYFAIRCARD XX/XX/2020 COMENITYCAPITAL/MPRCCXX/XX/2020 COMENITYCAPITAL/MPRCC XX/XX/2020 these items still remain on my report
Consumer complaint received 2019-10-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (FL)

My husband recieved a call from a debt collector on XX/XX/2019 at XXXX XXXX EST from ( XXXX ) XXXX, regarding an old bill from XXXX. He asked them to call back for me after XXXX and then they started to give him information about this debt. My husband was never on this account and he asked them several times to just call back for me because this sound like a personal business matter. They refused and kept giving out information regarding the debt asking him to make payment arrangements for this debt. I have asked them to stop callimg amd just send communicate in writing only. I feel that my privacy has been violated.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I sent a letter on XX/XX/2022 to the three major credit bureaus XXXX, Transunion, and XXXX to remove personal information that I do not want on my credit report ( I am attaching the tracking information ). 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 is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-12-01
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. (TX)

I would like you to review the docket number and type of public record because it is violating the Fair Credit Reporting Act. You are allowing slander and erroneous information on my credit report and are falsely claiming that it is verified. Please remove this public record for violating the Fair Credit Reporting Act. Your butts need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete, and NOT VERIFIED! Delete this immediately! 

XXXX  XXXX Bankruptcy Filing Date XX/XX/2016 XXXX  XXXX
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CO)

My federal student loans were forgiven through the PSLF program ( I'm an XXXX XXXX military member XXXX XXXX  ), and I received confirmation from Mohela via a memo dated XX/XX/2023 through my account 's digital mailbox ( memo attached ) stating that I met the requirements for the PSLF. The amount for the 2 forgiven loans ( {$18000.00} ) is still showing on my credit report because Mohela has not contacted the reporting agencies to confirm that those loans should be struck from my records. Being XXXX XXXX military and moving to a new base every 3 years, it will negatively effecting my ability to plan for and get approved for our next home loan. 

Additionally, I made additional qualifying payments toward the PSLF program while my application was in review. A Mohela representative ensured me that I would receive a refund check from the US Treasury for the amount of those additional payments that I made to my federal loans. I have not received it. 

Its been almost a year since my package was approved and processed, and these two simple administrative issues are still unresolved.