davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit card — Store credit 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 (TX)

It started out a Dispute of XXXX  of Goods and Services! On ( 5 ) separate occasions Synchrony reopened my Dispute because the Synchrony employee understood the issues of Blemished Goods and the ( XXXX  ) Scabby Installation. 

XXXX XXXX has a PDF, " How to install Replacement windows ''. Please document this, as the manufacturer 's Instructions Clearly State, that the Gap around the window frame and the rough opening is only 1/4 '' at top, bottom and left and right sides! 

In which you can clearly see a scam in the process that was stopped the same day the installer was here to install these Blemished and a Broken window. 

Synchrony Bank Lowe 's Advantage card Dispute Team are NOT and DO NOT Favor Customers. Synchrony Accepts Fraudulent Documents in which the Date of " Certificate '' of Completion is the next day XXXX. 

There is NO Signature from me, XXXX XXXX, nor my wife XXXX XXXX. We had XXXX XXXX XXXX XXXX XXXX XXXX, TX, come out to give a ( bid ) Estimate. He was XXXX founded by what he saw of the partial install that XXXX XXXX XXXX had started! 

On XXXX, XXXX XXXX dba XXXX XXXX did come out to Remove Lowe 's Atrium Blemished windows and practically started to leave because of what ALL they were needing to do to get the windows into the Rough Opening ( Required ) to then Secure to 2 '' x 4 '' s.

Lowe 's Windows returned, a full refund was issued " AFTER '' I had XXXX Police to assist me in making sure no one else lies as to what I've said or done. In fact the woman policeman who assisted me was in agreement after showing her pictures that the partial installation was ( horrible ) unprofessional. 

I've been fighting this dispute from day ONE! 

I found out thru my messages Synchrony Lowes that they've Accepted Documents that Clearly Show different dates and documents without Signatures!! Then tell me to work it out with the store ( Lowe 's ) manager???? 

Synchrony is still refusing to adjust our Lowes Advantage Account Correctly. They also sent me XXXX XXXX XXXX who lives in Florida Denial of her dispute as well! 

Lowe 's 3rd Party XXXX XXXX XXXX XXXX XXXX did NOT want to deal with me, end of story! 

All the above is TRUE and CORRECT, XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting. 
3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

Delete these fraudulent items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and illegal inquiries listed on the FTC I have provided.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I let the company know that Im the registered owner of the securities and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.
Consumer complaint received 2024-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (OH)

XXXX XXXX {$2500.00}. I contacted XXXX and requested the for the original contract.Then I contacted XXXX XXXX XXXX they been telling me they will send me the original contract for the last XXXX months. Thank you
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX, I visited the XXXX XXXX  located at XXXX XXXX XXXX, XXXX, MI XXXX with the intention of purchasing a new car. Unfortunately, my plans hit a roadblock as I was unable to secure an auto loan due to what was described as a limited credit history. 

Perplexed by this, I reflected on my credit history, which has been established since XXXX, and has seen me successfully purchase new vehicles XXXX times without any credit issues. Puzzled by the discrepancy, a friend recommended obtaining credit reports from " XXXX. '' To my surprise, the XXXX report accurately reflected my credit history from XXXX, while XXXX and Experian only displayed information from XXXX onwards. 

Taking immediate action, I contacted XXXX and Experian multiple times, urging them to update their records to include my comprehensive credit history. Despite assurances of resolution within XXXX business days, the issue remains unresolved. The delay in addressing this matter has been both frustrating and inconvenient, and I am eager for a swift resolution to rectify the inaccuracies on my credit reports.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX,
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I filed a complaint about Bank of America about them holding my check and they called me at XXXX to resolve the matter but didnt offer me ANY resolution besides telling me all the information I already knew. I consider this harassment now. Im pretty sure they already have a class action law suit age them for calling people during times they shouldnt be calling people.
Consumer complaint received 2024-01-08
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX -Acct # XXXX XXXX. XXXX XXXX -Acct # XXXX XXXX. XXXX XXXX XXXX # XXXX 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 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 2023-06-20
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. (NY)

account takeover fraud, ID theft, etc previously resolved with local police, FTC & XXXX per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months )
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently pulled a copy of my credit report and noticed that someone has been trying to apply for lines of credit under my name. I don't have any affiliation or knowledge of these creditors being placed on my profile. I attended a XXXX  in 2021 and my purse was stolen that included my driver 's license and social security cards. I've monitored my report since the incident and now I'm noticing credit inquiries. I contacted XXXX, Transunion, and XXXX via phone explained my information was taken and being used. Reporting inquiries to my accounts without my written consent or permission is in violation of 15 USC 1681. Further reporting anything to my report due to identity theft is also violating my consumer rights, specifically 15 USC 1681 c-2. 
The creditors listed are : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX These hard inquiries are impacting my credit negatively
Consumer complaint received 2024-01-08
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (GA)

I used a Promotional Credit Card from XXXX XXXX ( ACTUALLY XXXX SYNCHRONY BANK ) to purchase automobile tires on XX/XX/XXXX for {$1300.00}. I made ALL payments on the amount due. 
In hindsight, I FORGOT about the " Promotional Expiration Date XX/XX/XXXX '' On XX/XX/XXXX I was charged an ADDED " Interest Payment '' of {$220.00}, because the Full Amount had not been paid. 
I confused Monthly " FEES FOR THIS PERIOD '' with Interest. 
I am requesting SYNCHRONY BANK remove the Interest Payment '' of {$220.00} from my account. 
I will pay off what I owe and NEVER due Business with SYNCHRONY BANK or XXXX XXXX AGAIN.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-09
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capitol One Spark Card was used to buy a XXXX piece of used medical equipment through XXXX. Item advertised as full working condition but delivered inoperable. Seller requested that I have his associate in the area look at it prior to sending it back. I immediately started a dispute with XXXX and Capital One. Over the course of 4 weeks I paid to have the item repaired enough to power it on and realize that it was still not operational so I arranged for it to be returned to seller ( XXXX ). The seller had XXXX XXXX XXXX pick it up and confirmed its return. I contacted the credit card company for a response on when to expect the credit, and was told that it was XXXX that was suppose to credit me. XXXX stated that the dispute was open and that the credit card company would credit me. Ultimately after months of waiting and sending in more requested documents, Capital One bank stated the time limit expired on the dispute and even though they had all the needed documents to credit me they would not because of the time limit, and I should again contact XXXX that still saw the dispute as open to get the refund. When XXXX was again contacted, they said that no dispute was ever opened with them ( even though it was within a week of getting the item delivered ), and they cant even share with me whether the seller received the payment or not since its a violation of their policy. They did however shared that their system should that the seller did not dispute my request for return and refund but couldnt explain why Capital One credit card would not issue the refund. The Seller claims that they still have not received payment. 
As a consumer, I cant get Capital One to credit me on the returned item because they stated they needed more information and supposedly requested it via letters that I didnt receive. They on XXXX occasions afterward requested that I send more information via a link which was supplied both times, including a lengthy text exchange between the seller and I verifying that they accepted the unit back and was offering a full refund. At this point, I continue to have a balance on the Capital One credit card for the XXXX purchase price, and now its accumulated interest. They wont allow the dispute to be reopened and refuse to refund the money. XXXX states that they can do nothing, and wont verify if the monies were received by the Seller. The Seller claims they have received the returned product but have not been paid so wont credit me directly. Please help me with this convoluted issue to get justice.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Equifax has been reporting two accounts on my report that I have no recollection of and they have been doing so for sometime. They have failed to provide me with how they verified on multiple occasions. There is a XXXX and a XXXX  account that is ONLY on my equifax report. It's not on my XXXX or XXXX. I don't understand so I have no choice but to make this report as it's affecting my score and ability to get approved for a car.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX request to Transunion and they have not resolved the outstanding problem which is that I am a victim of identity theft and these inquires were not made by me. I have submitted a fraud report in which I have attached here. There were numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. The previous response from transunion does not address the outstanding issue that I am victim of XXXX and I did not authorize any if the following companies to run my credit. Please remove these accounts immediately and see the fraud report that has been attached. 

XXXX OF XXXX XX/XX/23 XXXX XX/XX/23 XXXX AUTO XX/XX/23 XXXX XXXX XX/XX/23 XXXX FIN XXXX XX/XX/23 This was the company 's response from my previous complaint. The company did not properly review my complaint nor did they properly investigate my claim of fraud. Please see the company 's response below. 

" XXXX 's XXXX " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute regarding the inquiries appearing on your report, we sent you a letter to explain inquiries remain on your report for XXXX years and if you believe it was made without permissible purpose, you XXXX wish contact the company directly.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My information was sold and bought illegally because I was a victim of XXXX XXXX XXXX data breach. I never gave permission for my data to be shared, I have struggling for years due to another data breach from XXXX in XXXX  that is still affecting me today and now I receive this letter.
Consumer complaint received 2024-01-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

Received {$500.00} American Express gift card for XXXX, have had trouble using the card everywhere, either in person or online. Reached out to company and they denied any knowledge of an issue even though card has been declined serval times.