davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MS)

I was approved for a XXXX XXXX XXXX XX/XX/2023 was suppose to receive it within 7-10 working days, I never have received the card even though an account has been set up at Synchrony bank XXXX I have tried to contact them to no avail, ( representative could not speak America English to well ). I received an email stating a card was sent out and would recieve it by XX/XX/2023 but I still have not received the card as of todays date, XX/XX/2023. IT is Account ending in : XXXX
Consumer complaint received 2020-04-30
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. (GA)

XXXX- XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Collections and XXXX XXXX violated my 609 rights by reporting incorrect information to TrainsUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXXXXXX -XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  and XXXX   XXXX reported that I applied for credit In which I never applied for. They violated my rights to have fair and accurate Information to my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report is violation on my consumer protection rights.
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, 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 an account without my written instructions.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

In XXXX XX/XX/XXXX around XXXX I ordered XXXX tires ( big items ) from XXXX using Paypal credit by Synchrony Bank XXXX The seller used a glitch on the system tricking the tracking number to make it look like it was delivered to my address. The tracking showed that the seller was in New York and my mailing address is in California. On XXXX XX/XX/XXXX around XXXX ( XXXX hours after my initial order ) the seller canceled the delivery at the same time it showed that the items were delivered to my front XXXX attached a picture that shows the time line of the item being in NY at XXXX am XX/XX/XXXX then got canceled at XXXX XX/XX/XXXX and magically appear at my front porch at the same time which is impossible. 

I tried to reason with XXXX but wasnt success, so I filed a dispute with Synchrony Bank. This voided my resolution with XXXX and they direct me to deal with the bank. Supportively, Synchrony should protect my interest since I never received that order. However I filed disputed 3 times and got denied all XXXX. I faxed them the evidence that I got in contact with XXXX to confirm that they never get that package nor deliver to me. The complaint that I filed against XXXX via BBB case number # XXXX showing XXXX admitted that the seller tried to send media product which not sufficient for the XXXX tires that I ordered.
Consumer complaint received 2020-04-30
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. (GA)

THE credit reporting agencies XXXX and XXXX are reporting a fraudulent account XXXX XXXX Account # XXXX is the original creditor and is now listed as XXXX XXXX XXXX ... ..this account was never reported to either XXXX  or XXXX ... .it was reported as a closed account only on EQUIFAX ... .and now they are reporting to the to other 2 bureaus as a collection and has dropped my credit score and I am in the process of purchasing a home ... .this is FRADULENT bs and this account should be removed and deleted immediately!! how are you reporting a collection that was never reported to either of the 2 bureaus to begin with and the account was Fraud! 

XXXX XXXX XXXX XXXX ( XXXX XXXX  ) no account number listed XXXX   XXXX XXXX XXXX ( XXXX XXXX ) no account number listed now how fishy does this sound ... ..this ACCOUNT IS FRAUD ... I am submitting the docs to prove it! I submitted my IDENTIY THEFT AFFIDAVIT in XXXX in 2019 ... I am attaching the documents now
Consumer complaint received 2022-06-10
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 Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-06-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-17
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: Experian Information Solutions Inc. (FL)

The account in question is XXXX XXXX XXXXXXXX. I disputed this account, and nothing was sent to me to legally verify this account. Experian is in violation of the FCRA. I am exercising my rights under FCRA 611 ( a ) ( 7 ). I requested a method of verification along with a re-investigation. Experian did not comply with my request for method of verification. On XX/XX/XXXX I disputed this item via mail asking Experian to verify the item was accurate. XXXX they advised it was verified but did not provide any information. On XX/XX/XXXX I sent a letter in asking for proof of verification. The status on my report has not changed and again no proof of verification was provided. On XX/XX/XXXX I sent a third letter via mail, asking for proof of debt and validation. On XX/XX/XXXX the system was notated that no changes were made. I am requesting this account be removed from my credit report, as it is not accurate, has not been verified and is negatively impacting me.
Consumer complaint received 2021-04-13
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. (MD)

On XX/XX/2021 and XX/XX/2021 I reviewed a copy of my credit report and notified each bureau of inaccurate information is currently being reported. In my letters, I asked them to validate these accounts and provide physical proof/verification that I am entitled to according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). To date, I have not received any physical proof validation and these items are still being reported negatively.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

My account was debited {$140.00} on XX/XX/2022 with Chime Bank in 2 transactions as an atm withdrawal. I disputed this immediately as I was at work all day with my card in my purse. When I contacted Chime Bank and disputed the charges, they denied my claim. This is stealing from customers and very unfair.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/
Consumer complaint received 2022-07-18
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. (LA)

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/XXXX to correct these suspicious pieces of information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-09-17
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: EQUIFAX, INC. (MO)

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 the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please 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 XXXXXX/XX/XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus 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 2019-05-21
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 — Their investigation did not fix an error on your report
Company: CMRE Financial Services, Inc. (CA)

RE : INTENT TO SUE DUE TO IDENTITY THEFT & FRAUD DELETION FAILURE This is my final intent to resolve this matter once and for all before embarking on filing a lawsuit against you. Let be crystal clear that I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. 

For yet another FINAL CHANCE, Please REMOVE this information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.CMRE. XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.CMRE. XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} I am willing to file a lawsuit against you for : Violation # 1 ( reporting inaccurate information to Credit Bureaus, violation of California Credit Reporting Act ) Violation # 2 : Failure to provide notice of late payment insertion as required by California Credit Reporting Act.

Violation # 3 : Failure to stop the reporting of fraudulent accounts after being presented with proof of identity theft.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (FL)

I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX XXXXXXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

i have TWO separate complaints against Chase Mortgage. The first one is that for 10 years they reported one of my mortgages as " Modified '' - the said loan was never modified, after MANY hours of documentation and phone calls back and forth to their executive offices they finally 2 years ago admitted their wrong doing and sent me letters stating they were fixing the incorrect information to all 4 bureaus. THen they did it AGAIN 6 months later.. then AGAIN 6 months after this. i have endless amounts of paperwork re my complaint and supposedly they are not " doing this again ''. Then in XX/XX/2018 i had made a Partial Payment on one of my mortgages. Around the first week of XX/XX/XXXX?, might have been an earlier month/, when i went on line to pay the rest of the payment on the XXXX i didnt see that they had applied the first {$500.00} or {$600.00} payment. I CALLED and spoke to someone on the phone/ overseas possibly and they informed me that they had inadvertently applied the funds to my ESCROW account to which i said NO - i wanted it towards the payment. The rep at the other end of the line said OK we will fix it/ do you want me to draft the balance of the payment from your normal XXXX XXXX checking account ending in XXXX.. i said  YES, she gave me a conf number and stated again that they had to FIX their mistake re applying funds toward the escrow vs actual payment. the following month i saw they had charged me a 30 day LATE reporting and DENIED that i had EVER made the phone call in the first place!. i again reached out to their executive offices/ provided AGAIN all the information and they wrote me back and basically called ME a liar! i have paid back XXXX  of XXXX  of $ $ to CHASE on the many many many mortgages i have had. they are incompetent and could care less about erroneous reporting. this XXXX on their part has cost me to have several CLOSED accounts AND have other limits dropped completely. for ONE LATE payment that they messed up on.
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (KS)

Jefferson Capital XXXX. Have conducted dirty tricks behaviors damaging my credit reports, change balance amounts back and forth, update remark C and change date that was open on the account. I have compliant to credit bureaus, but nothing was done about it.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (AL)

On XX/XX/XXXX, Chime systems were down. In the process of their systems being down, I attempted to transfer funds from that account to another account. The transaction declined on one end, but showed pending on Chimes end. I called And spoke with a representative that day who said that it will be back in my account that day. The next day it was still pending. I reached back out and spoke with another representative who told me it could take up to 3 days and to call back. On Friday, the funds were still pending. I spoke with a supervisor named XXXX who assured me it would be back in on the seventh day. On XX/XX/XXXX, I spoke with chime again who advised me to call back. On XXXX, I spoke with a supervisor named XXXX who told me I could file a dispute that will take up to 90 days and theres no temporary credit to be applied. It has been seven days and the transaction is still pending and Chime will not release my funds despite seeing that the transaction was cancelled by the other bank.
Consumer complaint received 2021-04-13
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: U.S. BANCORP (GA)

On or around XX/XX/XXXX, I received a prepaid Visa Gift Card in the amount of {$150.00} by my employer as a XXXX gift. 

On XX/XX/XXXX, I attempted to use the card for the first time and my purchase was declined by the retailer. When I looked up the card on XXXX, I found that the card was previously registered and spent by someone other than me ; even though the card had never been removed from its original protective Visa envelope until I attempted to use it for the first time on XX/XX/XXXX. 

I called the Visa Gift Card toll-free number ( XXXX ) regarding the apparent fraudulent activity and was instructed by the representative to fax a scanned copy of the front and back of the gift card, my drivers license, and either a purchase receipt or a written statement if a receipt was not available. Once faxed, I was instructed by the representative to call the same toll-free number after three ( 3 ) business days to continue the process. 

On XX/XX/XXXX, I faxed the requested information to the fax number provided by the representative ( XXXX ). 

On XX/XX/XXXX, I called the toll-free number as instructed. The representative told me the drivers license was not legible and that with no copy of a purchase receipt, Visa could not move forward with processing my claim. When I informed the representative that her colleague, on XX/XX/XXXX, advised me that in place of a purchase receipt, that a written statement would suffice. She said that was not correct and that she could not help me with the information provided. 

I asked to speak with a supervisor and was connected to one. I was told that Visa could not help me without a purchase receipt. Being that the prepaid Visa Gift Card was a gift ( without a receipt ) and I was instructed by a Visa representative to supply a written statement in place of the receipt, I asked to be connected to someone that had the authority to make a customer service decision. 

The manager told me that someone from Visa, who had the authority to reissue Visa Gift Cards, would call me within 3 to 5 business days. 7 business days have since passed and I have not been contacted by Visa.

Despite being an apparent victim of fraud, I am now being stonewalled by Visa in having this issue resolved.