davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
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 (IL)

I received a letter from Synchrony Bank in which they stated I was already given a refund of XXXX dollars but I explained to the representated that credit was because of service, delivery, and production issues the manager at Lowe 's credit me nothing to do with the return of service. I do not think this representative did their job right and the credit card did not contact Lowe 's to see why I was not given a refund. Lowe 's works with this bank but they do not seen honest and willing to help understand why I never got a refund for my purchase or why the 12 months zero percent interest did not go through. 
Here is the background : This complaint is against Lowe 's Home Improvement store XXXX in XXXX IL. On XX/XX/XXXX, I had a XXXX XXXX delivered and when that was installed it started leaking water during the first test washer the installer had set up. I called up the installer and lowe 's and the installer came back the same day and wrote a report. Spoke with Sales Rep XXXX about this and did created a work order. I went back and purchased another dishwasher to replace the XXXX XXXX XXXX. I purchased a XXXX XXXX on Saturday XX/XX/2023 from XXXX XXXX and it got delivered on XX/XX/XXXX, but they did take the old dishwasher. The installer came on XX/XX/XXXX at around XXXX to XXXX XXXX came in to pick up and install the new XXXX XXXX I called the Lowe 's department store and spoke with the manager XXXX ( different than the installer ) I explained all the trouble and miscommunication because the story goes into more detail. XXXX gives me a credit of {$300.00} for all the issues and problems. XXXX XXXX was supposed to credit me back for the defective XXXX and until XX/XX/XXXX he has not. I called Lowe 's twice in the last month and no call back or credit from any Lowe 's manager or the Sales Rep. I am owed a refund {$1000.00}, taxes, and installation cost of {$250.00}. In addition, XXXX XXXX promised and said he would call to get my zero percent interest for 12 months. As of today, I do not see it on my statement. I told him twice and the manager XXXX too. This has been the worst experience I have ever received for any store purchase. Lowe 's rep and 3rd party affiliates took the defective dishwasher and no credit. I am concerned it might have been stolen or misplaced. I have text message screenshot and witnesses to everything that happened.
Consumer complaint received 2023-12-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union has violated the Equal Credit Opportunity Act by using false, misleading and discriminatory tactics to obtain and use consumer reporting agencies to denial rightful extension of credit. 

I provided private information at the time which I was made to believe was required in order to obtain a loan. I later found these requirements violated the ECOA, Privacy Act and the Consumer Credit Protection Act. I have a right to privacy and I was coerced into giving up that information. 

I am now demanding return of application submitted and recession of signature given because no consideration was given in exchange for my collateral. I demand that Navy Federal provide verification in sworn affidavit form of verified negative items on consumer credit report. I demand an affidavit of facts for denial of extension of consumer credit after taking application for use. 

I am seeking for damages as credit is a right and using unverified and inaccurate information to deny me that right is damaging to the consumer.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the XXXX copy A, XXXX has failed to update my account to reflect the paid-in-full status. I called them on XX/XX/23, regarding this matter but they said they didnt know what I was talking about and never took care of the situation This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX directly, but the situation remains unresolved.

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I kindly request that you conduct a thorough investigation into the matter and, upon verification, promptly remove these inaccurately reported business credit card accounts from my personal credit report. Furthermore, I ask that you provide written confirmation of their removal and update my credit report accordingly. I am aware of the legal rights and protections afforded to consumers under the FCRA and ECOA. I hope for a timely resolution of this matter and anticipate that you will take appropriate steps to rectify this situation as required by law. 


XXXX  XXXX Date openeed, No. of months ( terms ), last reported date, and date of payment are all inaccurate or incorrectly reported information to all XXXX major credit bureaus. 

I have disputed this account XXXX times, and the credit bureaus claim that the information was verified, which is far from the truth. I want this account deleted from my reports because this is a clear violation of my rights.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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
Consumer complaint received 2023-12-08
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NJ)

There were XXXX transactions that added up to {$150.00} in total in fraud. The company found it as not fraud. But I would like to appeal it. I also would like to appeal the many unreturned checks on my account. There are many {$29.00} charges on my account from transactions I didn't authorized.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (ME)

I called to do a balance transfer with citi mastercard by XXXX. I confirmed with customer service that I could submit a another balance transfer in the already open transfer and was told that I had one year to make more transfers. I asked how much I could transfer. She let me know that my limit was {$2000.00} but if I wanted to transfer more, I would need to increase my credit line. I agreed to increase as I have excellent credit. 
I was transferred to the department that handles increases in credit limits. My limit was increased to {$6000.00} and a hard pull on my credit was executed. 
I asked to handle the balance transfer and was transferred back to the customer service department where I was then told my another representative that I could not make any balance transfers. 

I was then escalated and transferred to a supervisor for the mistake who submitted the claim. I confirmed that if I signed up For another citi XXXX account with a balance transfer Offer ; I would be able to transfer a balance. 

But now that I have a {$6000.00} limit this will effect me being able to obtain any more lines of credit and a significant balance ( not just {$2000.00} ) I submitted my complaint and no one could tell me what the options for resultions were. They simply stated they could not reverse the credit limit increase nor could they give me a balance transfer. I feel this is fraudulent behavior and poor interdepartmental communication on consumer credit policies and laws
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I have notified XXXX, XXXX, experain and the creditors about these accounts that are fraudulently reporting to my credit and asked them to do an investigation I have yet to receive any correspondence as they have my updated email and physical address its been over 45 days since I have contacted them in regards to this. I have also submitted and sent all documents that has been requested. Below are the two accounts that need to be removed. 

XXXX XXXX {$810.00} XX/XX/2023 XXXX XXXX  {$700.00} XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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. (NM)

My Identity was used to rent an apartment in XXXX. I have owned my home in XXXX XXXX for XXXX years. As a result XX/XX/2023 a collection reported on my credit report from XXXX XXXX XXXX for {$2900.00} from an apartment I found to be in XXXX called ; XXXX XXXX at XXXX XXXX XXXX. I have never lived here, this is fraud and I tried to contact the apartment complex for " validation of debt '' they were no help and advised me to contact the credit bureaus. I sent certified mail letters to the credit bureaus XX/XX/2023 disputing the fraudulently opened account and they did nothing about it. I have had no other collection accounts on my credit file in my XXXX years of life. And now I am unable to obtain credit to support my family, do to the fraud. I have also filed an ID Theft report with the FTC.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Fraud done on my Capital one visa credit card. Reported and new card sent, but credit for 2 XXXX  fraud through XXXX website purchased and picked up at XXXX store done The manager of store stated the proper ID to pick items in fraud was obviously " not '' requested in store which has now become common. in the amount of {$2600.00} never given. Told by several agents would be given, but not done and now past file time, but they see the fraud and new card was issued within proper time. case number # XXXX ( only one of case numbers with Capital one visa in this issue ) I have perfect credit and never even had a late fee since pay bills 100 % of time at time due in full. I am a XXXX XXXX XXXX physician. Then told to call XXXX since fraud done through their website. Told by XXXX " several '' agents credit will go back to the credit card, but take 30 - 90 days. Never credited then told call Capital one who states too late eventhough was now too late then I am told it is " my fault '' by not following up better on the credit, but clearly in their system of the fraud. Told call XXXX who again said they will take care of it and not to worry. Still no credit. Now spoke with XXXX retail executive relations XXXX XXXX XXXX ext XXXX that her XXXX agents told me wrong and credit needs to be done by Capital one visa opening a dispute which was never done and then can give credit. Capital one visa did state their own agents always gave me wrong information after the supervisor got involved and told me they will NOT open dispute or call the XXXX executive since too late althought they see the fraud. After trying for such a long time XXXX blames Capital one visa then XXXX blames XXXX then they blamed me?? BUT ALL SEE THE FRAUD. I even have police case number and officer ID etc and so does all involved many times given to the agents. and in writing. At this point nest step is Small claims court and filing fee is {$300.00} plus other expenses and hours plus hours more. Please help thank you.
Consumer complaint received 2023-12-08
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. (MS)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 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 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (SC)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2024-04-02
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)

There is so many wrong accounts in my credit report that i dont recognize as mine. i will make an attachment in the dispute letter, possesses so many mistake as account name, date, location and status I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I filed a dispute twice with Experian, and they came back twice within XXXX hours telling me they have verified all information with the creditor in question. 

The creditor of the auto loan never sent us a bill or contacted us in any shape or form on our " late '' payment, the final payment for our car, which we assumed we were gon na receive our title and lien for, because no bill came in nearing the end of the term. I have already filed a complaint with XXXX XXXX XXXX on their negligence and deflection of responsibility.

Experian did not go through proper procedure of verifying anything. According to 15 U.S. Code 1681, i think i should get a fair chance to state my case rather than the discriminatory response i got back from Experian. 

XXXX violated 15 U.S. Code 1666b which states that i am entitled to my billing information, including anything late, and yet i did not get a single drop of information from XXXX. not a phone call, not a piece of mail, not even an email.
Consumer complaint received 2023-04-27
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. (NV)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXXXXXX 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
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX has violated my rights XXXX XXXX  XXXX # XXXX has violated my rights XXXX XXXX  Acct # XXXX has violated my rights XXXX XXXX XXXX Acct XXXX XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX  Acct # XXXX has violated my rights XXXX XXXX acct # XXXX has violated my rights XXXX acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # 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 accoun

t without my written instructions. 15 U.S.C. 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information other than records of convictions of crimes which antedates the report by more 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.