davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

I purchased a XXXX refrigerator at Lowes XXXX XXXX XX/XX/XXXX on XX/XX/XXXX opened a new credit account for a 5 % discount {$1000.00} I received a bill & in all good faith pre-scheduled a bank to bank electronic payment to Lowes/Synchrony Bank for XX/XX/XXXX which was sent. I did NOT receive the card yet. 
XX/XX/XXXX Lowes could not obtain or deliver the XXXX refrigerator, canceled my purchase & credited the account. 
I immediately advised Synchrony Bank on XX/XX/XXXX that Lowes canceled my only purchase from XX/XX/XXXX & I that I did NOT receive the card. They advised the card was mailed & authorized? with purchases on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in 2 Lowes Stores in towns out of my area? I requested a Fraud Investigation to be opened On XX/XX/XXXX I requested return of my {$1000.00} electronic payment due to Lowes canceled my XX/XX/XXXX refrigerator purchase. 
Since XX/XX/XXXX to present Synchrony Bank after numerous requests, has NOT & refuses provided me any proof I received or authorized their card for use other than 1 one purchase when Lowes opened the account. 
Synchrony Bank continues to block all my refund requests of {$1000.00} even with numerous documents including a Police Report filed on XX/XX/XXXX & sent to Lowes/SynchronyBank. At this time I believe that Lowes/Synchrony Bank employees are hiding something & /or acting in bad faith? 
On one call they told me " the system '' shows the purchase was authorized on a cell phone phone, YET I sent my XXXX cell phone records & I MADE NO CALLS until XX/XX/XXXX the date I called Lowes/Synchrony Bank? When I called their phone system, it gave me balance & account information from an OLD closed account I had from a prior refrigerator purchase made years ago???? 
Lowes/Synchrony Bank continues to avoid giving me any proof yet they defame me with form letters stating I authorized, participated or benefited from these 3 fraudulent charges WITHOUT given me any proof, yet they keep opening new Fraud claims? 
Lowes/Synchrony Bank repeatedly transfer me from one service team to another, claim that I am not responsible for fraudulent transactions YET the send my form letters and they REFUSE to show me any proof of their false defamatory claim that I made these unauthorized charges? Lowes/Synchrony Bank mailed a credit card that was stolen in the mail and Lowes/Synchrony Bank is TAKING ADVANTAGE OF ME. A senior and a long time Synchrony Bank card holder with multiple Stores. NOT ANY MORE!!!!
Consumer complaint received 2020-11-23
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)

Explanation of item being disputed : XXXX 's Acct # : XXXX for a balance of {$1200.00}. This XXXX  account was originally removed/blocked and now being put back on my report. The creditor has yet provide me with any signed proof of this account. A police report is already on file with Experian and that should have been enough to remove this account. It was place back on my report with out me knowing. being reported incorrectly and was placed back on my credit profile which is violating my right. In addition, there are dispute remarks " Subscriber reports dispute resolved-consumer disagrees. Unpaid balance reported as a loss by the credit grantor. CONSUMER STATEMENT THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES ''. When I contact Experian, the refuse to help me and reopen the dispute and pull the verification proof. I will be seeking Legal advise for both Experian and creditor.
Consumer complaint received 2020-11-23
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 {$19000.00}, {$0.00}, {$0.00}, {$0.00}, {$4000.00}, {$29000.00}, {$4000.00}, {$13000.00}, {$40000.00}, {$30000.00}, {$54000.00}, {$160.00}, {$13000.00}. 
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 ) -- OPEN ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX 4. XXXX AUTO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

6. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$4000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

10. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11.XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-11-24
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (MA)

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (NE)

Hello, I am XXXX XXXX and I entered a credit transaction with Westlake Financial. I have been violated from WESTLAKE FINANCIAL on so many accords within the Truth in Lending Act. First I extended my credit to this company in 2018. I was never told that I had 3 days to rescind according to 15 U.S.Code 1635. My insurance was not included in my finance charge. I had to pay that separately I didn't even get the option to have that which is a violation of 12 CFR 1026.4b7. Also, I put a down payment down on the car which is illegal according to 15 USC 1605. My car was stolen by the CoSigner on the paper that I received from WESTLAKE FINANCIAL it states that the only responsibility of the CoSigner is the payments. That is a break in this companies paper. I continuously called this company and had a police report to show that my car was stolen. They also violated my rights as a consumer under Federal Dept Practice Act. They continuously used profound and obscene language about threatening to repose my car which is a violation of a 15 U.S. Code 1692d.2. They also are in violation of 15 USC 1692c.b. I have several emails from them stating they are " attempting collect a debt from me ''. Within this same act I was violated also under 15 USC 1692b.5 where each communication received from them states their direct logo and that they are a debt collector. 
I have reached out to WESTLAKE FINANCIAL to validate this alleged debt but I have not heard from them yet. I sent over a cease and desist and received another email from the company asking about this alleged debt right after they received it. As I sent the documents certified mail so I have the green receipt of when they received it. I have stressed and stressed lost my job due to this credit transaction and I am still carless at the moment. I have begged this company to please return my vehicle and stop threatening me to repose the car they even asked me would I like the car to be returned I told them yes and I literally did not hear from them again until they started sending me collection emails and a 1099c form. I also asked this company to stop reporting on my credit report an alleged debt that is already paid for through the finance charge, and to stop contacting me. They have not done any of these things. I am just tired and stressed as a consumer at this point. While me and my kids struggle to get around someone is out there driving around in our vehicle that belongs to US and I am the one getting collection threats everyday.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (MA)

Hi, I already called you guys directly and you told me that you will remove it from my credit because this was due to identity theft or fraud. Not mine account! : I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-11-23
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)

Inquires would made without my consent. 
on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX  on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX XXXX
Consumer complaint received 2020-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute with XXXX and TransUnion on XX/XX/2020, XX/XX/2020 and XX/XX/2020. the first letter I asked them to verify that the accounts in question belonged to me. The letter sent on XX/XX/2020 was a follow up letter asking them for the results on the 1st dispute. The letter sent on XX/XX/2020 was an intent to file a complaint for the accounts that were not properly investigated by them. This letter also pointed out facts of the accounts that showed that these accounts are reporting inaccurately. some of this letter was typed which I will attach and the factual inaccuracies were handwritten, which I am unable to attach. For example, each bureau reported different dates as well as different amounts. Also, they were also reporting different amounts. I sent regular letters as well as certified letters asking hem why they were reporting different information if they are receiving the same info from a creditor. I never got a response. Just an updated account on XXXX and a dropped score.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I used reward point to redeem for digital XXXX card on XX/XX/XXXX. During the process, I input my email address but I miss typed email address. 

Since I didn't get anything, I checked in credit card website, I found out there was miss typing email address, called them and fixed it on XX/XX/XXXX Wednesday. A representative said give a day or two to fix it. I called back on Friday XXXX but the person said call back on Monday. 

I called back on Monday XXXX and the person said they ( reward point departments I guess ) will re-issue with corrected email address by today ( Monday ) or no later than Tuesday. 

I called back on Wednesday XXXX to get update information but the lady whose name is XXXX said it is duplicated requests and they will find out what happen and she told me call back later but didn't said specific time period. 

Finally, I called today Monday XXXX and spoke with representative, she said the case is closed because they already re-sent reward card with updated corrected email address on Monday XXXX. I told her that I have checked every Junk mails everyday not to miss reward card but I haven't gotten anything this point. She transferred phone call to higher position and the phone was hung up at the end. 

It seems like never ending processing. Over the last two weeks, I have made few more phone calls than I described in this statement. I have saved reward point for a year to use them for my kids XXXX gift and now I don't know what I can do. I desperately ask a help. 

Please consider my case. 
Thank you Sincerely,
Consumer complaint received 2020-11-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$0.00}, {$0.00}, {$0.00}, {$4000.00}, {$29000.00}, {$4000.00}, {$13000.00}, {$40000.00}, {$30000.00}, {$54000.00}, {$160.00}, {$13000.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

During a 90 days PLUS process, ( starting XX/XX/2020 ), Rocket Mortgage continued to ask for the same information time and time again, in connection with updated Flood Insurance coverage and My XXXX  firm business activity. I provided all disclosures and found that although I have the highest credit score possible and as I am borrowing a mere 19 % of the property value, this bank does not have any desire to service XXXX individuals who are required to carry flood insurance. I fall into a fairly large subset of the U.S. economy. I believe the bank is discriminating against me and my family. making statements about underwriter 's requirements and the XXXX XXXX XXXX requirements. 

The rate promised and the fees were not even that competitive ... The bank 's staff continued to use a website-tool called a " XXXX '' rather than call or send an email to drag out the process week after week. I want this DISCRIMINATION against myself and others to be terminated. My credit score alone should have provided expedited, no fee re-financing service.
Consumer complaint received 2020-11-24
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: EQUIFAX, INC. (CA)

For 2 weeks now, beginning XX/XX/XXXX, my ability to access my information on Equifax has been disabled. I called in to Equifax to express my concerns every single day last week. Each day, the operator told me they are having a " system update and advised me to call back in a few hours. '' I finally ended up speaking to an escalation team member who admitted that they were undergoing a full Equifax software and portal system implementation and change that has somehow disabled everyone 's credit file access. Due to this, no Equifax operator is able to access my credit file. I am not able to access my credit file. The online MyEquifax system is down. It states to call them but phone calls are useless because they can not get to my credit file. I asked them why they are answering phones if their systems are down. No valid response. I want this resolved. I want a notification sent out to all consumers stating that their system is temporarily disabled. And I want compensation for the several hours I spent calling and remaining on hold for them last week just to be told a lie. They are unwilling to report what is the fact that they have no system ability right now and should not be open for business until that system has been restored.