davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

To Whom it may concern : Im a XXXX XXXX Veteran who decided to purchase my furniture at Ashley corporate store in XXXX FL, for the Veterans discount. When I was in the store, the associate was nice and we ordered {$10000.00} worth of furniture. However, after our purchase, everything went down hill from there. Ive ordered furniture from XXXX XXXX in the past and experienced better customer service ; yet, I didnt pay premium price ( 75 % less ) for my furniture. 
1. ) I purchased the XXXX bed that came to me with a bang/scratch on the foot rail. Brand new furniture and the store nor customer service provided me with either a discount, or a brand-new replacement/foot rail. Instead, I have to wait for someone to come out and fix it. I understand if I was utilizing the furniture for some time, and I utilized my insurance ; however brand new out of the box??? That is your solution. 

2. ) The store ordered the wrong mattress for me ( XXXX ) and I had to decline it. When I called the store they said technically I should have verified that on my sales slip. Are you kidding me? I spent over 2 hours picking out my furniture and then signed everything. How can I tell which mattress is on the sales receipt when it only shows the item number without a name. That is the sales associate responsibility who I worked with and spent over {$10000.00}. They ended up sending me my correct mattress/ replacement ( XXXX ), but the delivery driver brought it in a box. I paid for premium service and I received a mattress in a box?! I want either a discount/refund for premium service or a new mattress already inflated like I original received. Its still sitting in the box and I called customer service who couldnt really provide me a solution, only opened up a case number. Im a XXXX XXXX and I leave for work this coming Sunday ; I wont return until XXXX. 


3. ) Some of my furniture went on sale the next week for XXXX XXXX  and I called the corporate store three times to speak to the managers to get a price adjustment. Its now almost a week later and no one has returned any of my calls. Are they waiting until the price goes back up so they cant provide me the discount? Is this how your corporate stores are managed? 

Completely awful customer service!! This is how you treat veterans?
Consumer complaint received 2018-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently found out that I have a lot of hard inquiries on my credit report. These are not factual reports I did not give consent nor did I give them permission I put a security freeze on my account off and a security lock on my account this morning I have contacted the company I noticed I gave them my full social security number my address my phone number all of my information and they could not find any account that was opened or attempted to get open however this company indicates and shows up on my credit report on all 3 credit bureaus. I am asking that this gets removed from my credit report within 30 days or I saw seek legal action. XXXX/XXXX Date of request XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX here is the second complaint. 
KOHLS/CAPONE Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX
Consumer complaint received 2023-05-10
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX  Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-12
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. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (NC)

I reached out to Equifax via XXXX mail regarding inaccurate information on my credit report. I requested reinvestigation to determine the accuracy of the disputed information and update the current status within 30 days of receiving my notice. I mentioned that their failure to verify these accounts has impacted my creditworthiness. Along with the letter, I provided details of the inaccurately reported accounts : XXXX XXXX ( XXXX ) and XXXX XXXX XXXX company. Equifax received my dispute on XX/XX/year>, as evidenced by the stamped return slip. However, the dispute took well over 30 days to resolve. I have copies of both the letter sent and the stamped return slip.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regarding XXXX XXXX : This is a cellphone carrier account. Cellphone carriers don't report unless the account is in delinquent or collection status. I've never received any communication via email, mail delivery, or phone notification from XXXX XXXX saying this account was on the verge of going into a Collection Status This closed account has never been in collections, has a XXXXbalance owed on it, and has been closed out.
Consumer complaint received 2022-11-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help
Consumer complaint received 2022-11-08
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Okay so I tried to file a dispute okay and I keep receiving back from them ever since I filed it 6 months ago that they found that I am at held responsible for the funds when the charge was made it was made 15 minutes prior to my church I actually did it was done inside the store and I was standing in line half an hour prior to the charge I did I was actually in line an hour prior to going to self checkout which is where I actually made the purchase of {$3.00} and some change well I made it I apparently I'm held responsible for a {$900.00} charge that I never made one it says the card was present yet there was no pin necessary nor signature necessary and as far as I know with a prepaid debit card from XXXX you must either give a PIN number or a signature I am not understanding why it is the Bank of America feels that I am responsible for this charge when I called in the very same day and was told I had to wait for it to say posted and the moment it said post it I filed the dispute I've been fighting this for 6 months now I am sick and tired of it they need to give me back my money it is my rent I've already received my pay now or leave it's not no 3-day pay it's a I must pay it by the end of today so more than likely I'm going to be out on the street because of their stupidity of not requiring a pin or signature for purchase and then telling me that I'm responsible for it because they release the funds already and I have it set up to where anything over {$500.00} I'm supposed to be notified that the purchase is being made and verify it via the app or via text message saying yes my lawyers have asked them to keep me informed when it comes to this situation I refuse right now to file a lawsuit on them but it's obvious that I'm going to have to because they are refusing to acknowledge the fact that that wasn't me and they are refusing to go get any supporting documents or video surveillance of the store so with this being said I'm really XXXX  out to the max behind it and it's really XXXX me off because they're refusing to give me back the money that was mine that they should have never released
Consumer complaint received 2023-11-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER XXXX MONTHS. PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (KY)

I, XXXX XXXX, did a refinance loan, which was partly debt consolidation. There was a title check issued and sent to Old Navy to pay the credit card almost completely off. The check was made for XXXX. The check has been cashed on XX/XX/XXXX, at a XXXX XXXX bank but wasnt credited to my account. I spoke with a customer service representative today, XX/XX/XXXX and she expressed that it would take XXXX to XXXX months for them to complete an investment within the company. 

Case number : XXXX Customer service : XXXX ID : XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount GR Holdings, LLC (CO)

Goodleap is currently reporting my account as late but I was never late. I contacted the company and was told they would correct the problem but it is still showing late on all credit Bureaus. GoodLeap had my account for automatic payments and I had an email from them saying they were going to deduct my first payment on XX/XX/2023 but they reported XX/XX/2023 as late.
Consumer complaint received 2023-05-10
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. (NV)

I have three companies inaccurately reporting a late payment on my credit report when it was never late. XXXX XXXX, XXXX XXXX, and XXXX XXXX are all reporting me as late one time when that is untrue. I have sent letters and proof to both the companies and all three credit bureaus and the error has not been fixed. It is holding up the sale of my home because of me being unable to buy the new home.
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: 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.

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 2024-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (AL)

Around XX/XX/year>, my co-borrower, XXXX XXXX, arranged a payment arrangement with XXXX and XXXX to pay a debt of {$1800.00} to Discover credit. She settled out of court and paid the dues from XXXX XXXX XXXX in full. This company has failed to notify Discover to clear the amount from XXXX XXXX XXXX ( the person who is writing this statement ) and refuses to get in touch with Discover to clear her name.
Consumer complaint received 2022-11-08
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)

This is maddening! Despite the multiple dispute letters and CFPB complaints that I have been submitting against the Credit Bureaus, they still have been failing to verify the validity of the disputes items on my Credit Report. I have already sent a letter to the XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/2022 requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus since the first dispute letter I sent to the Credit Bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 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 statutes. Also, the Credit Reporting Agencies are bound to comply with the Fair Credit reporting Act section 605b and remove the fraudulent accounts and information being reported on my Credit File. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit Reports : XXXX XXXXXXXX XXXXE XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$100.00}
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CO)

I filed a dispute with Chime fon XX/XX/23 regarding charges made with my Chime checking account debit card. Chimes website states that if the dispute isnt resolved within 10 business days that temporary credit can be issued to my account for the disputed amount per XXXX  XXXX The dispute has not been resolved at this time, in fact I spoke with the merchant who stated that he " never responds to disputes they are a waste of his time '' .when I contact chime requesting a temporary credit I am told that I am ineligible however they can not tell me why only transfer me to 3 or 4 new CSR reps who all can not tell me why they can not issue temporary credit. These are charges I used my debit card for and are either point of sale charges or online debit card transactions. I would like the temporary credit my account is eligible for.
Consumer complaint received 2023-11-25
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. (AR)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. 

Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and XXXX 

I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. 

I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. 

If this matter is not addressed to my satisfaction within the exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX