davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
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)

One year ago, I purchased a bunk bed with a third sliding bed at the bottom, from XXXX XXXX ( furniture store in my town ) they gave me two lines of credit through Synchrony Bank for them so it was one for the XXXX  XXXX and the other one for the XXXX   XXXX. 

After delivery the sliding bed DID NOT fit the bunk bed so I called XXXX XXXX ( retail  store ) and they took it back, they told me that theyd be back to give me another on that would fit. Now after one year of giving multiple calls, store visits, calls and complains to Synchrony bank no delivery of the sliding bed has been given to me and the worst part I still have a debt to Synchrony Bank for a merchandise that I never receive. I informed Synchrony Bank about this since the beginning and about two months ago I spoke with them again I was told to re-visit the store one last time on behalf of Synchrony Bank to demand the sliding bed, the owner told them that he would do it for sure but he never delivered it. 

My frustration is that I informed about this to Synchrony Bank since the sliding bed didnt fit, they told me to wait for the delivery and if I dont get it, they would do a charge back. I asked them multiple times over a year to charge back the balance but the representatives all the time say I must request the merchandise to the furniture store. They destroyed my credit.
Consumer complaint received 2021-01-22
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: JPMORGAN CHASE & CO. (OH)

# 1 ( JPMCB  ) I received hard inquiry on my credit report showing that I applied for a product. I called to verify that I did not apply for any new services or products from company. They informed me that I would have to contact my credit bureau to dispute this transaction because it was no longer in their hands. When I noticed the hard inquiry in the account it was XX/XX/XXXX from JPMCB card. I called on XX/XX/XXXX thru XX/XX/XXXX. 

# 2 ( ) XXXX XXXX XXXX offered a loan through their program. When applying they stated that I will not receive a hard inquiry on my report and as I come to find out, I did indeed receive a hard inquiry. On top of that the agent whom I was working with informed me that the loan was denied and couldnt move forward. I then received a called from her supervisor and manager stating the they do apologize for the miscommunication and error on behalf of my account but the loan which was applied for was approved. They went on to say that the agent whom I was working with was a new hire and was just learning how the loan process works. I did not go through with the loan and ask if they could remove that information and inquiry off my credit report. They informed me how to contact XXXX or the other credit bureaus to have the loan inquiry removed due to the negligence on their behalf.
Consumer complaint received 2021-07-06
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. (ND)

We have 3-business VISA accounts and 1-personal account, our charges each month on all the cards is often in the tens of thousands of dollars, but we do not make monthly payments, our balances are paid off 100 % each month. The Credit Reports make it look like we have a considerable amount of debt and are making monthly payments, when we actually have none, other than one mortgage through our company XXXX XXXX, XXXX, for the XXXXXXXX XXXX in downtown XXXX, XXXX. We have no personal mortgage debt on our 2 homes and 2 condos. We have been trying to increase our CC limit to {$100000.00} as we are in the process of furnishing our XXXX XXXXXXXX XXXX home that we have just built and will be making significant furniture purchases. Regardless of our monthly expenditures the full balance will always be paid off. 

XXXX XXXX relies on the credit report to justify a credit increase, it is ludicrous for them not to look in-house to know we never carry over a balance. Why they rely on the credit service makes no sense under these circumstances.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (GA)

I applied for a car, furniture, credit at the dentist and credit card. Did not get approved and have many hard inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.
Consumer complaint received 2022-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I have an on-going complaint being resolved with XXXX XXXX  XXXX  for defaulted my loan without any cause. However, now that it is in the transition phase of being resolved, I am having issues dealing with the loan servicer XXXXXXXX XXXX uses for their loans, FirstMark. I have tried to reach out and get them to reinstate my deferment, since it was wrongly taken away with no reason. My payment was due yesterday and now they have marked it as late and charged me for something that was never in my control.I have also reached out to XXXX XXXX hoping they could mediate, since it was there mistake in the first place. They have not responded to me. I should not be penalized for two collaborating companies and their lack of communication and documentation on the problems they created in the first place.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was CAPITAL ONE BANK USA NA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Someone opened an account in my name at the bank of america. I caught it on time and asked the bank to close the account and reported the matter to the bank 's fraud department. 

Two weeks later Someone, apparently the same person, accessed my checking account at the same bank and added a new email address and phone number and was attempting to transfer money using XXXX. I caught it on time and froze my account which I subsequently closed and opened a different account. 

I also froze my credit reports out of precaution.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

The other day I received a job offer from my college to be a personal assistant. The scammer sent me a check that ended up being fake. After I pay the man bills the bank took the money out of my account, the money that was mine in the account and now I am left negative. The bank didnt want to help me recover the funds and now Im stuck with money to pay off and my bills to pay off
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

This deleted been deleted from my XXXX from my credit report this information is affecting my credit score across all platforms and demand this be deleted on all credit bureaus under ( FCRA ) 15 usc 1681 ( I ). Metro ( E-OSCAR )
Consumer complaint received 2020-08-20
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Please be advised that as of XX/XX/22 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX, XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. 
Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violatons. 
Warm Regards, XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management claim that they have the court order and rights to contact my employer. They also contact my colleague and emailed my personal information and spreading my confidential information to my colleague, which is they told me that Judge authorized them to do so. 

Midland Credit Management claim that I owned money from XXXX XXXX, I have been request more documents to approved that is my account from them, Midland refused to provide any documents to me and keep sending the letter to my employer ( They said that is court order to allow them to do that ) Also they emailed the secure message to my colleague as well ( Midland told me that Judge also authorized them to contact my colleague ). 

Finally, Midland provided me with three bank statement of XXXX. Which is my name on the statement and the address I can not recognized. 
Since I'm disputing the case, Midland should stop contact my colleague and my employer. 
I will file the Fraud affidavit also will report the issue to the local policy office.
Consumer complaint received 2022-09-22
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. (IN)

In accordance with the Fair Credit Reporting act the following accounts are out of compliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The aforementioned accounts and creditors have violated my rights. 

According to 15 U.S.C 1681 section, 602 A. States : " I have the right to privacy. '' Additionally, 15 U.S.C 1681 section 604 A Section 2 : states " a consumer reporting agency can not furnish an account without my explicit written instruction. '' 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (WI)

Fmb Omaha bought out the bank that my credit card was with, which I had set up with auto pay. I had never been late in paying the card because the auto payments came out of my checking account each month. I received no notification that my auto payments would stop after the buyout. I then received a call that my account was past due and immediately paid the past due amount but the delinquent remark had already posted to my credit report. I called the bank to ask that the remark be removed, since it was not my fault that the auto pay stopped with no notification, but was told there was nothing they could do about that. It is now affecting my credit score drastically. I am asking that the delinquent remark be removed as I immediately made the payment once I was notified that the auto payment did not go through
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NJ)

Multiple credit cards lost and used. Discover unable to find sufficient evidence and/or request specific evidence from merchants. Multiple calls to both discover and merchants made to attempt to resolve all fraudulent charges made in the XXXX Florida area. 
No identification presented to any merchants including hotel and water sports rental was requested from discover. No surveillance at any location. Name at check in was not mine. Email address and phone number used to make purchases also not mine. 
XXXX XXXX XXXX XXXX  FLMerchandise {$2400.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX  TXMerchandise {$90.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX TXMerchandise {$90.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Merchandise {$170.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX NJMerchandise {$13.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXXFLMerchandise {$5.00} SECURITY DISPUTE ADJUSTMENT 0XXXX XXXX XXXX XXXX XXXX FLMerchandise {$160.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX FLMerchandise {$130.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX  FLMerchandise {$33.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX FLMerchandise {$510.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX  FLMerchandise {$11.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX  NYMerchandise {$300.00} SECURITY DISPUTE ADJUSTMENT
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Woke up to find my checking account XXXX due to an unauthorized debit transaction of XXXX $ from money lion? I also noticed my email account was changed on the mobile app. I spoke to customer service and immediately filed a claim spoke with XXXX XXXX the chairman of citizens bank who apologized for my inconvenience but I will need to wait until the claim is processed up to 10 businesses days before my money is refunded. I also expressed my concerns regarding the lack of security the bank has provided. She blamed the entire situation on me. Stated I needed to set up an alert system that they could not assist me with that. That I should have set up a new account and transferred all my information over to it, I should have changed my username and password ect. I was told on the first incident that occurred. I explained that the representative told me that the situation was taken care of, and no further action was required I also received the letter stating that my credit from the first incident would be permanent as the transaction was fraudulent and no further action was required from me. I am a XXXX XXXX of a XXXX XXXX XXXX I do not receive any assistance. I can not have my only source of income compromised by the bank. They allowed someone to alter my email address and take large amounts of money from my account with out even notifying me at all. And they refused to expedite the claim because they stated they are processing too many claims at the moment. I have no idea what I am going to do I have no money to take care of my kid or myself this is considered as an inconvenience to the bank and not an emergency as they are not taking any responsibility and are holding me responsible.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am XXXX XXXX XXXX and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
US DEPT ED XXXX Balance : {$3900.00} XXXX XXXX  XXXX : {$2300.00} U S DEPT OF EDXXXX XXXX XXXX {$3600.00} U S DEPT OF EDXXXX XXXX : {$5700.00} U S DEPT OF EDXXXX XXXX XXXX {$5300.00}