davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (FL)

I opened a " High Yield Savings '' account at Synchrony bank on XX/XX/23. I funded the account via an ACH pull transfer into my Synchrony account from an external account I held at another financial institution. I submitted the ACH request at Synchrony on Wednesday XX/XX/23. The funds were withdrawn from my external account on Thursday XX/XX/23. The funds should have been received and posted to my Synchrony account on Friday XX/XX/23, yet the funds were not posted until Monday XX/XX/23. Synchrony did not credit me interest for the period between XX/XX/23 to XX/XX/23. 

I called Synchrony and asked for the missing interest to be credited. They refused. They claimed that ACH deposits can take up to 3 business days. I told them that XXXX, the institution which manages the ACH network, told me the transfer only takes XXXX days and that based on the dates I conveyed to them the funds should've reached Synchrony on XX/XX/23. XXXX also indicated that financial institutions who participate on the ACH network are required to post funds on the day they are received. I asked Synchrony to provide me a copy of the ACH transaction log, which includes the relevant dates including date of funds receipt, a log which XXXX told me is available to financial institutions. Synchrony refused to share the transaction log for my ACH transfer.

Here is the relevant funds availability clause from Synchrony 's account agreement : " Funds from ACH deposit transactions that we originate for you will be available for withdrawal on the fifth Business Day after the deposit has been credited to your account if the deposit is the initial deposit to your account and on the third Business Days after the deposit has been credited to your account for subsequent deposits to your account. If you register your external account with us and complete the Banks random payment verification process for that account, funds from all deposits from that registered external account will be available for withdrawal on the Business Day that we receive the deposit. '' Source : https : //www.synchronybank.com/documents/account-agreement.pdf I registered the external account on XX/XX/23 and entered the ACH random deposit amounts into my Synchrony account on XX/XX/23, after which the external account was marked verified. I initiated the ACH pull transfer using that verified profile the same day. In other words, I satisfied Synchrony 's stated requirement for funds being available " on the Business Day that we receive the deposit ''.

Based on my online research many other account holders at Synchrony have experienced similar delays in deposit posting and missing interest accrual.
Consumer complaint received 2024-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

On XXXX XXXX i received the letter from Nelnet stating that they are going to discharge {$84000.00} of student loans and it will happen in XXXX days. They will also remove from crediit report in that amount. They have failed to comply and give me the run around and will not comply. Please help to resolve.
Consumer complaint received 2024-03-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

I have a Target credit card account which the server is TD bank I have this card for over XXXX  years. Starting in XXXX, my payments started being returned I was charged late fees as well as bounced check fees. I disputed this with TARGET. I always have much more in my account than my payment amount and I do not bounce checks. I was told by the target rep that I had been revoking my payments and that is rthe reason that they are being returned Of course I have not been revoking my paymnets. 
I then called my bank, XXXX. I was told that targe was not presenting the payment to them. I once again disputed with Target since they now reported to the credit bureau that I was late or missing payments. 
This continually happened. Target is rude and nasty and will do nothing to solve the problem. I called XXXXXXXX XXXX again and this time ws told that Target ws not presenting the payment as an ACH payment, which is the reason that the payment is being returned. Target will don nothing about this. They since have closed my account causing my credit to drop approximately XXXX points. They refuse to refund any fees and they completely ruined my credit due to their error
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I'm currently in the process of securing a mortgage loan to purchase a house. Through this process it was brought to my attention that I had duplicated XXXX loans on my credit report that was generated on XX/XX/XXXX by XXXX XXXX. I contacted XXXX XXXX immediately to get a better understanding on why my loans appeared to be duplicated. XXXX XXXX was able to give me the information needed to determine that the duplication was happening with XXXX. The other XXXX credit bureaus, XXXX and XXXX, are not showing this erroneous information. I reached out to XXXX to receive a copy of my report on their end which showed that I had the same loans open with both Department of Education NelNet and XXXX. However, this should not be the case because in XXXX of XXXX, my loans were transferred from NelNet to XXXX. I opened a dispute with XXXX to have the balances with NelNet updated to the correct amount which should be XXXX. However, Nelnet responded to the dispute that my accounts were valid. I contacted NelNet right away and spoke with them several times throughout the last few weeks. Each time, Nelnet assured me that my balances for all the accounts were XXXX but due to a " consumer suppression '', they were unable to report anything other than the last report that they had for my loans which was a report generated in XXXX of XXXX that showed that my loans were still active with Nelnet. By Federal Law, XXXX is required to verify that all of information on my account is 100 % accurate. This is not the case at moment because I have on my XXXX credit report balances with Nelnet when in fact those balances should be XXXX. I would really appreciate any help that I can receive in this matter because this is negatively and severely impacting my mortgage loan approval. I will be attaching documents with all of the accounts from Nelnet showing that they were transferred and have XXXX balances. Also, I will attach letters from both Nelnet and XXXX stating my loans were transferred to XXXX.
Consumer complaint received 2015-06-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: APPLE RECOVERY, LLC (NM)

Apple Recovery continues to call our number, trying to collect a debt that is not ours for a person we have never heard of. Their initial response to our complaint was to ask us to call a non-toll free number to remove our telephone number, and that they do not have a record of our SSN. They should have been provided with our phone number already and should have no trouble removing it, but they have not.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NH)

I sign up for a 4 year interest free account with Synchrony Bank through XXXX XXXX, then on the first month they take the full amount out of the loan my bank, almost {$8000.00} I wasn't expecting. The payment should have been around {$160.00}. I call them on XX/XX/XXXX and they apologize after trying to blame me for their mistake. They tell me they will reverse the payment and I should see it in the next two weeks. Two weeks go by and nothing so I call them again, now they tell me it takes 15 business days. I call at the one month mark and they apologize and tell me that the refund was never processed and that they are going to cut me a check and mail it, could take 2-3 week. What garbage. Deceptive at worst, incompetent at best, either way I would never do business with this organization again.
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (WA)

I recieved a call from a debt collections Agency called Dynamic Recovery Solutions. I am very careful with my bills and mobey owed and I know for a fact I have NO DEBTS needing collections, especially any that I would n't have information on. I read online the kinds of threatening tactics they use towards other people and do not wish to be threatened over nothing myself.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Denali Capital Holdings, LLC (IL)

Denali Capital , LLC is reporting incorrectly. They are reporting that my account is still delinquent as of XX/XX/XXXX, but it was paid off in XX/XX/XXXX. I did dispute this with XXXX XXXX XXXX which was the original creditor. Also, Denali has reported to the bureaus according to XXXX XXXX XXXX that there is a medical code on the account. Which is also inaccurate because it is not medical. XXXX XXXX put the issues of the reporting errors on Denali Capital , LLC.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX has inaccurately reflected negative information on my credit score which has corrupted reputation with potential landowners leasing property, and employment chances were nulled as a result of providing impermissible information about me according to the FAIR CREDIT REPORTING ACT.

FURTHERMORE, has charged to reveal my credit score information to myself which again violates the FAIR CREDIT REPORTING ACT.

CONSEQUENTLY, I have contacted and filed a complaint with them in the past year demanding that they correct, delete, and/or remove the erroneous information on file. subsequently after being charged a fee which was never reimbursed and has violated the FAIR CREDIT REPORTING ACT.

REPORTING agencies mustn't disseminate erroneous or outdated negative information which is a complete violation of the FAIR CREDIT REPORTING ACT.

XXXX XXXX is not allowed to send my information to any employer nor any entity without my written consent clearly indicating that it is permissible, and in doing so is a direct VIOLATION of the FAIR CREDIT REPORTING ACT. 

AS a consequence of these blatant VIOLATIONS the undersigned has experienced an extremely poor score and must be corrected immediately. 

In truth, ( E.R ) XXXX XXXX
Consumer complaint received 2016-03-11
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE (CO)

This lender used unethical practices to secure a fraudulent pre qualifying letter, paying for inspections, home appraisals, and earnest money, and then the weekend before closing telling us we did n't qualify for a mortgage. This lender has affected multiple individuals in the real estate sector, and consumers. The lender and the company was very unethical, and cost us much money. I expect to be paid full restitution of damages. This place is horrible, very disrespectful, and unethical. They should n't even be open for business.
Consumer complaint received 2023-08-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NV)

I checked my credit report and noticed their negative reporting. I sent a validation of debt letter to the credit bureaus and the collection company asking for documents that prove the debt is mine. Neither of them could send anything. The collection company responded with a letter stating they couldnt find my account. I sent a second letter with copy of their reporting and asked for validation for the second time. Its been over two months and they never responded but the negative reporting is still in my credit profile
Consumer complaint received 2023-01-30
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. (TX)

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Dismissed Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Dismissed Past due amount {$0.00} Fraudulent Account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$26000.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$6600.00}
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The credit reporting agencies were given 30 days to produce all verifiable documents of this account on XX/XX/2021 in accordance with the statue 609 FCRA. That was 107 days ago. 
And now they are wanting another 60 days?? 
I believe my rights are being violated in accordance to the 611 and 623 FCRA. 

At this point, without verifiable evidence, the am ex account must be removed from my report immediately! It is affecting my ability to get a mortgage.
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX is reporting as an collection account on my credit reports. I never received any bills or collection notices. I have never opened up any XXXX account in XX/XX/2019. I have requested for validation of this debt and still havent received anything as of today. This account was opened fraudulently. I have disputed this account and havent gotten no where. I dont have no acknowledgement of this collection and its ruining my credit scores.
Consumer complaint received 2020-07-09
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. (TX)

I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

I received mutilply calls from a collection agency I answered and was told this is attempt to collect debt I advise I would no longer want to receive calls from this company contact me through mail only and I need a validation letter of debt sent to my current address I havent received the letter nor have the calls stopped the debt is still on my credit report negatively impacting me and slowing down my house search progress in such a hard time with my lease end date approaching and pandemic rising in my area I need this to be remove immediately! Thanks so much for your help
Consumer complaint received 2015-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

TransUnion Credit Reporting has consistently failed to report on my credit report the existence of my XXXX XXXX XXXX credit card. Both XXXX and XXXX report the existence of this credit card, but not TransUnion. When I phoned TransUnion in XXXX XXXX about this material omission, I was told by TransUnion that they never heard of my credit union, and that the only way TransUnion would report my credit card is if XXXX were to contact the TransUnion Sales Department ( and become a client of TransUnion ). However, when I then spoke with XXXX XXXX XXXX, they told me they already report to TransUnion, and other XXXX credit card members do have their XXXX Credit Card information being reported by TransUnion. XXXX told me to go back to TransUnion to file a complaint, but again, TransUnion already told me to tell XXXX XXXX XXXX to contact a sales rep from TransUnion. Below is the last email I received from XXXX XXXX XXXX about this matter : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On Fri, XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX wrote : XXXX XXXX, I had reached out to Trans Union on more than one occasion after speaking with you informing them of this specific issue. 
I confirmed XXXX does report its data to TU ; in addition, we tested other member accounts from XXXX to XXXX and they are reporting accurately. 
Both XXXX and XXXX are reporting your credit card correctly. 
My recommendation would be for you to contact them directly ; the following information was received from their web site : CREDIT DISPUTES Dispute an item on your TransUnion Credit Report or check the status of an existing dispute XXXX XXXX XXXX XXXX | VP Collections Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ma XXXX XXXX XXXX XXXX | Tel XXXX XXXX XXXX| Fax XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This suggestion by XXXX XXXX does not actually help me, because I had already contacted TransUnion and TransUnion already told me they never head XXXX XXXX XXXX Union, and the only solution is for XXXX XXXX XXXX to contact a sales rep from Trans Union to open an account with Trans Union. 

Clearly, someone here is not telling me the truth, but there is nothing more I can do about this situation. 

I would like TransUnion to report the existence of my XXXX XXXX XXXX Credit Card which is an account I have had for several years now and already appears on my other XXXX credit reports.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

For some odd reason my XXXX score keeps going down with Experian. It dropped XXXX points and Im not even using any of my credit or had my credit ran for any reason but my score keeps dropping after all I did to pay it off to have it in a proper place. 
There is no reason for my score to drop. And being that I filed a complaint against them in the past I think that this is their way of punishing me for that. Because there is absolutely no reason for my score to decrease
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

Hi I had to open up a new case due to the company now responding but decided on only returning half of the unauthorized charges on my account, they returned only {$5000.00}, but the case was for {$10000.00}. So I was waiting on a debit card for months now From my Chime account I was sent via email from Chime and through phone. I was contacted by people claiming to be chime agents to help me with my debit card process I received a email from Chime stating the day I will receive my new debit card Unfortunately I didn't realize they were scamming my bank account with a app called anydesk and while I was working i never noticed my account was completely withdrawn to nothing and I never received any notifications from Chime about my account activity getting withdrawn in one day so fast until the next night out from work realizing I have no money for my bills or to eat I had to call Chime and i made a dispute with Chime cause the XXXX Zero Liability Policy. which stated card holders will not be responsible for unauthorized charges i also gave the Dispute agent at Chime The FTC report and number. & attached the evidence of the email and phone numbers they used and sent to me and the transactions of the total of my account which was withdrawn so Chime can start a thorough investigation like they told me. Chime sent me a email the next day with no thorough investigation stating after investigation with partners no errors had been made on your account you will not be refunded any refunds. I also requested the documents used for the investigation and they just sent me a screenshot of the bank statements I emailed to Chime for the investigation. help best regards.