davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
Product: Credit card or prepaid 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)

This issue pertains to a dishwasher I had purchased on XX/XX/23 at Lowe 's in XXXX XXXX, IL. I was planning to use my Lowe 's Credit Card ( Synchrony bank ), a 10 % off coupon from Lowe 's ( when using the Lowe 's credit card ), and a {$25.00} gift card. The associate applied the 10 % coupon to my order ; however, when she applied the {$25.00} gift card, the coupon was no longer valid. The associate told me since the gift card was already used and the funds were un-retrievable, we would have to complete the purchase, refund the purchase ( giving me the {$25.00} gift card as Store Credit ), and redo the purchase again without a gift card ( just the 10 % off coupon+ Lowe 's Credit Card ).

The front desk and assistant store manager had to get a hold of IT but the refund of {$850.00} was made ( {$25.00} given as store credit in a card and the rest ( {$830.00} ) supposedly refunded to my Lowe 's Credit Card account with Synchrony Bank - see attached receipt time-stamped XXXX XXXX  ). Immediately afterwards ( XXXX XXXX  ), the purchase was made again ( with just the10 % coupon, for a total of {$810.00} ). 

I was told the refund would take a few days to be applied to by Lowe 's Credit Card account with Synchrony. After 15 days, I saw no refund on my online account, so I called Synchrony Bank ( XX/XX/23 ). I was informed the store never put in the request for the refund as no refund was pending on my account. 

I am asking for a refund of {$830.00} There was a letter sent by Synchrony bank stating they were looking into this issue and no payment is required at this time, while the charge is under dispute. However, this letter this no longer available online ( leading me to believe something suspicious is going on- I can't trust Lowe 's for their word as stated previously with the refund that was never processed by the XXXX XXXX Lowe 's branch ). 

I am told the dispute investigation can take up to 60 days and is not guaranteed. Synchrony never asked for any receipts or details so I am not sure what they will be investigating.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MA)

On XX/XX/XXXX, I was on process to selling my House and buy another one. 
Doing the process the loan company found out that I have a XXXXdollars in collection with Affirm. 
Since, I have been in dispute with the collection company called XXXX. On going they close the account because they can collect the money because is too old .The charge it was from someone that used my Identity to get the flighty tickets back XXXX. 
I contact the XXXX XXXX, the Agency that sold the ticket, they don't have any information because it's to old. The Affirm still found me responsible for the charge but they can provide me with the Validation of the charge specially any document I physically singed by me.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

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 XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MO)

The account is paid in full. I have a XXXX balance and the verification was emailed out to me on XX/XX/2023. However, it is still showing on my credit report for the full amount of {$200.00}, XXXX. Each time I dispute it with the credit companies I get a notice stating that Mohela is reporting that the amount they have is verified. Each time I call Mohela they tell me that they are not reporting that amount to the credit companies and there is nothing they can do to help me.
Consumer complaint received 2023-04-14
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. (TX)

XX/XX/2023 - I called TransUnuon, XXXX, and XXXX to have old address that were undeliverable removed and theyre still on there.
Consumer complaint received 2024-07-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (DE)

I have 2 major concerns called out here : 1. I opened a CD account ( ending in XXXX ) on XXXX or XXXX of XXXX. I didn't have funds to deposit so transferred money over which became available on XXXX to add to CD. As soon as I added the funds to the CD, I realized the duration chosen was incorrect. The money must have been added for only 3 minutes when I called Marcus/Goldman Sachs and asked them to revert the funds without any penalty. No penalty as GS/Marcus could not have served me ANY interest for 180 seconds. I can understand if they had given me interest that they take some of that interest away. 

The rep understood and tried but realized he didn't have the ability to address my change and asked me to call after XXXX EST when a rep could assist. he made copious notes to my account so no junk fees could be assessed to my account. 

I called at XXXX and the rep ultimately informed me after speaking with her supervisor that I would have to pay $ XXXX in penalty junk fees to get my money out of that term of the CD! That is simply unethical and wrong. I understand the concept of Terms and Conditions but you can't tell me that the spirit of XXXX XXXX and spirit of the Law and Terms and Conditions permit such unethical behavior asking me to forego $ XXXX in penalty fees for putting money into a CD for XXXX minutes. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 2. I have my parents listed as beneficiaries on my Bank accounts and CDs with Marcus. I have had them there for YEARS. The Bank now sends me a notice saying that my parents ( my dad was an XXXX XXXX XXXX pilot who worked with the USAF too all his life ) can not be beneficiaries ... Because, EVERYONE in this world and country must have a SSN? They are honest hard working folks who made me who I am and if I were to die tomorrow, they can not get my money? Because Goldman Sachs likes to discriminate against folks from XXXX? Why would my parents from XXXX have a need for a SSN, when they are adequately well off where they are? See, not everyone needs to/wants to live in the US, when they are significantly more comfortable in their retirement elsewhere. Does Goldman not understand that? Why would Goldman not let my parents be beneficiaries of my accounts in the USA? In fact, my wife does not have a SSN and she legally lives in the USA. As a Bank, you guys should be aware of some basic life use cases.
Consumer complaint received 2024-06-04
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: CITIBANK, N.A. (CA)

I called the number on my Macy 's credit card in early XX/XX/XXXX to report a fraudulent in-store purchase made in the amount of {$1000.00}. The employee assisting me somehow also included some online purchases that were authorized and made by me. The investigations team for the Credit card company denied my claim because of those online purchases, stating that the items were delivered to the correct address. However, I am trying to file a claim for the fraudulent in-store purchase that was not made by me.

The fraud occurred in-store at a Macy 's store in XXXX California XXXX XX/XX/XXXX for the amount of {$1000.00}. The agent told me the purchase was made by an account look up and they by-passed the signature required. 
The agent closed that card and I was issued a new Macy 's credit card in XXXX. 

Then on XX/XX/XXXX there were two more fraudulent in-store purchases made at a Macy 's store in XXXX for the amount of {$700.00} and Macy 's in XXXX XXXX for the amount of {$390.00}. Both in-store purchases were made by an account look up and again, the signature required to make the payment was by-passed. 

I have been trying to resolve these issues by calling every month since my first fraud claim. They denied my first claim because of the online purchases that I did not report. I called to request that the case be reopened for the fraudulent in-store purchases and was again denied because of the online purchases that were attached, that I did not claim to be fraudulent.
Consumer complaint received 2018-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (IL)

I contacted XXXX XXXX on XX/XX/XXXX to inform them of my unemployment status and that I will not be able to repay the loan which I took out in XXXX of 2018. They still proceeded to charge daily interest and send me emails, threatening letters in the mail and also call me at random times during the day. I sent them a letter notice that I am still unemployed in XXXX as well XXXX and they will not stop the harassment. I even reached out to a free legal aide service and was told they could not help me
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Two years ago I told you about Bank OF America and that they had my account and was keeping me from my money, so I had ask them about it and they said I did not have an account with them so recent I recevied a call about a purchase an many of them made on my account that I did not approve of so with that not only can I use my money in my account they took my account to another states and other banks like XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX they have my name, social sercurity number, date of birth, and phone number so tell me why they are using my money in other states an I live in XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX and I know I don't travel an I don't have a car I'm XXXX  an I don't like to be taking advantage of because I have money. all them purchase made an why do all them people have my name on there account as if I authorize them to do such please if you can bring my money back to me an I don't want to bank with them ever again I do have a XXXX  checking account but with all thats going on I would like my money on a card that I can access only.
Consumer complaint received 2024-04-04
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: EQUIFAX, INC. (TX)

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2023-11-13
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. (NY)

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 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
Consumer complaint received 2023-10-24
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. (LA)

I have inaccurate information on my credit report that does not belong to me. I want the accounts removed from my credit report. 



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 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
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Submitted a " dispute request '' on XX/XX/2018 concerning XXXX XXXX XXXX, XXXX. 
Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations. 3 ) Please remove this creditor for incorrect balance amount account. 

On XX/XX/2018 received email update concerning dispute result. 
XXXX XXXX XXXX remains on my credit report.
Consumer complaint received 2024-05-14
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: Hanwha QCells USA Corp (TX)

Enfin Financial is the financing behind our solar panel system that was installed in XXXX XXXX XXXX. The system has never worked since installation and the contract included a generator plug being installed in my fuse box, a new generator and a {$500.00} incentive. Enfin Financial forced this financing through without doing their due diligence in ensuring that the products they're financing have been installed properly and fully functional. I have notified Enfin Financaial as far back as XXXX once we identified that the system does not work. Prior to adding an additional XXXX panels I had a fully functional XXXX panel system that was installed 3 years ago that worked perfectly. Once XXXX XXXX installed the additional XXXX panels the system has not been generating energy because it's wired wrong. I've received the same canned response from EnFin since enception. They're investigating with no updates. In the mean time they've hit my credit with late pays. I'm not paying for a loan when I don't have all the products that the loan was to pay for nor do I have an operational solar panel system. Apparently this was a scam by XXXX XXXX who went out of business in XXXX, XXXX XXXX who wasn't permitted to install the panels in the first place and Enfin Financial who was financial arm of the scam. There's over XXXX homes in the XXXX, TX metroplex that have had the exact same thing happen to them. The truth in lending aspect of this transaction is unethical. I've had to hire an attorney to get this mess straightened out / class action law suit.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (OH)

I had lost /stolen phone and XXXX would only help replace my phone if I started a new line with a new number. Upon doing the application for discover card, my application was approved pending a phone call by discover card to check my identity due to a security fraud alert placed on the credit bureaus after my phone was lost/ stolen. I had the fraud alert removed and phone back to discover bank as instructed by the discover card personal bankers. However, this time the latest discover card personal banker stated they would need to pull another credit report. What?! This is not what the last four discover card personal bankers had stated. My credit report was already access and points deducted from my credit scores. Why would they need to pull another hard inquiry after the last four discover card bankers saying they could finish my application after that fraud alert was removed. Discover card either does not know what they are talking about or the discover bank rep whom I spoke with today did not have the tools necessary to finish my current pending application as she was working from home. All I want is that since discover could not move forward with my pending application since their other agents lied to me, I want discover card to reverse the initial hit on my credit scores. Please. What they did was unamerican. And they are hurting average lower middle class Americans who are struggling to stay afloat during these times of hyperinflation. Thank you.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am filing this complaint against Nationstar Mortgage LLC, herein referred to as Nationstar, because of their continuous efforts to attempt to collect on a debt that I dispute they own. My mortgage did not originate with Nationstar. If I recall  Nationstar became my servicer when my loan was in default or they are servicing the debt on behalf of an entity that received the alleged debt while I was in default. Because the entity Nationstar services the debt for received the alleged debt while I was in default, they are " debt collectors as defined by the Fair Debt Collection Practices Act, hereinafter FDCPA, 15 U.S.C. 1692 ( a ) ( 6 ). Nationstar has continually falsely represented the character, amount, and legal status of the debt, and are threatening to take action that is not legal for them to take. Currently, there is a foreclosure sale scheduled on my home for XXXX XXXX 2017. This nonjudicial foreclosure action is in violation of 15 U.S.C. 1692f ( 6 ). Nationstar has refused to work with me in terms of a modification agreement. Upon their refusal to work with me in modifying my loan, I sought the assistance of an attorney. I was informed that based on the documents that are recorded in the XXXX County Recorder 's Office and based on my documents, Nationstar is servicing a debt on behalf of a debt collector who has no rights or authority to the alleged debt or my property. Under the FDCPA, a debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. More specifically they may not take or threaten to possess or disable property when the debt collector has no enforceable right to the property or does not intend to do so. Attached hereto, please find Notices of Trustees Sale evidencing the foreclosure sale set for XXXX XXXX 2017.
I am filing this complaint with the CFPB because Nationstar has blatantly disregarded the law and they continuously harass me about a debt that is not owed to them and falsely represent who allegedly owns it. Filing this complaint was not only necessary but recommended due to their violations. If nothing is done, they will continue with their blatant disregard for the law. <P/>Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed with Experian twice already that XXXX  XXXX XXXX and XXXX XXXX XXXX is reporting a late payment in error. In XXXX my credit report reflected a late payment for XX/XX/2024. I disputed it the inaccurate information. It came back as accurate reporting. Now, my Experian credit report shows that both my XXXX  XXXX cards XXXX payments are positive status and my XXXX payment is late, but shows I was 30 day past due in XXXX. 
Both of these inaccurate late payments have reflected major damage to my credit score and has now cause 2 of my other credit cards to raise the interest rate and lower my line

s of credit because of the inaccurate reporting. This is clearly a violation of my rights. Also, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.