davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CT)

Synchrony Financial Services Customer service : 1 ( XXXX ) XXXX Headquarters : XXXX, CT Charged My credit card XXXX with multiple dispute charges with no written response, why the unauthorized charge was approved. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CT XXXX Phone : ( XXXX ) XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX  and I came to an agreement to install a HVAC system at my home. Still to this day XX/XX/XXXX the contract is unfulfilled. See attached contract. I have also attached multiple pictures and correspondences for you to look over. I was told when complete they will have me sign the final bill before processing and that has not been done. They charged me with out my consent nor my signature over a year after the start of this ongoing and incomplete project.

Suppose to be a XXXX XXXX they used a cheaper American standard.

Suppose to be dual zones did not complete to this day.

XXXX  has cost me hundreds of dollars in electricity do to malfunctions. 
They had to come out over 14 times to my house resulting in lost wages.

I had to have my lawyer send them letters.

The heat pump constantly ran during the heat of summer making my home over 95 degrees F almost killing my dog.

They constantly deny my phone calls or return phone calls.

I have left several reviews.

They damaged my walls. 
They damaged my XXXX sons room. 
On multiple occasions covered my sons closet and clothes in insulation.

They damaged the siding to my house.

In an attempt to fix the siding, cut a hole to match it and left the hole. 
XXXX  has not fixed the siding. 
XXXX  has not finished fixing the walls. 
XXXX  has not completed the dual zones as contracted. 
XXXX  did not give me the XXXX system as contracted. 
On their website it clearly states ( on time or its free ) also states ( money back guarantee ) XXXX has not completed the project!!!!
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

My XXXX account debit cards were used for fraudulent purchases from both checking and savings accounts. The physical cards were still in my possession and in my purse, while purchases were made in XXXX, KS on XX/XX/XXXX and online. 

I alerted USAA within hours of the transactions taking place as fraud and both accounts were locked and new cards sent to me. 

{$43.00} XXXX XXXX {$100.00} XXXX {$22.00} XXXX {$2.00} XXXX {$1.00} XXXX {$47.00} XXXX {$32.00} XXXX XXXXXXXX XXXX XXXX XXXX {$19.00} XXXX XXXX {$1.00} XXXX {$2.00} XXXX XXXX XXXX  {$65.00} XXXX After investigation from USAA, the charges are being upheld and my accounts are being deducted for the fraudulent activity I didnt have anything to do with. 

USAA security breaches were in the news which would explain how my cards information was stolen even though the physical cards were still in my hands.
Consumer complaint received 2023-09-18
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: Credit Karma (CA)

Since XX/XX/XXXX  till XX/XX/, XXXX on behalf of XXXX XXXX have been checking my XXXX. Not sure why or how to make this stop but it is negatively effecting my credit and ability to open a bank account. Please make this stop!
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
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)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-02-13
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there is still an account to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm this account. 

XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trident Asset Management, L.L.C. (FL)

I filed a complaint on XX/XX/XXXX with XXXX and XXXX due to a negative mark on my credit report. I've filed several complaints. from XXXX of XXXX all with no response. last Dispute was XX/XX/XXXX last phone call to the credit bureau was XX/XX/XXXX. in ref to XXXX XXXX XXXX {$910.00} both amount and time frame are incorrect its past the XXXX yr mark.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

I am writing to address the delinquent accounts listed on my credit report, which I recently obtained and reviewed. Upon careful examination, I discovered several inaccuracies and discrepancies that have caused me significant distress and concern.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXXXXXX account # XXXX Falsely reported XX/XX/2023 as a Late Payment without delivering a notice of late payment 21 days prior to the date of the payments due date as FCRA federally protected law states to do so.

LATE PAYMENTS- According to 15 USC 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date.

The reporting company can not provide me with proof that they mailed a notice of the period statement with late payment 21 days prior to the due date reported. You have 14 business days from the date of receiving this dispute to update all false reported late payments on my credit report. If you fail to due you will be held liable to me for statutory damages of {$1000.00} per violation as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ).
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: GOLDMAN SACHS BANK USA (FL)

My Apple Card was removed from my phone by no fault of mine and after 10 plus hours on phone with over 10 different Apple Card employees, they cancelled card and continued to allow charges on it. This has been going on for almost two years now and all I get is 25 plus harassment calls per week from them after spending so much time with so many different Apple Card specialists! Its all documented in their system! I had 100 % on time payment history! Ive told them time and time to stop with the nonsense! Im being treated like a criminal not a good customer that I was! They admit they were wrong but continue with the harassment on a daily basis
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 Account number XXXX 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 antidotes 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 information is inaccurate.
Consumer complaint received 2023-04-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX and bank of America are all showing on a XXXX XXXX consumer report these are all stemming from identity theft in which I've sent police reports affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system over hired an attorney to take matters to local and federal courts
Consumer complaint received 2023-07-11
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Balance Owed : {$1900.00}, XXXX XXXX Balance Owed : {$4500.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$690.00}, XXXX XXXX XXXX Balance Owed : {$11000.00}, XXXX XXXX  XXXX XX/XX/2022
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$28000.00} ;
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I ordered food from XXXX in XXXX the end of XX/XX/2023. They delivered a partial order, missing a sandwich. XXXX is useless because there is no one to speak to, only the app. 

Capital one gave credit for the missing item. Ubereats later rebilled THE ENTIRE amount in XXXX, which I again disputed. 

This continues to happen repeating itself for about 6 times. 

The disputes department in Cap One must work on " production '' because it's obvious within these chargebacks they don't pay attention to the details and have reversed the chargebacks on their own. 

The amount is almost XXXX XXXXXXXX ( it fluctuates because the purchase was made in XXXX ). 

I've spent numerous hours on the phone and emails to resolve a XXXX XXXX  problem, am I the fool or is this by design in the banking systems... ..run us around until we give up? 

Hopefully this can be resolved once and for all, I've cancelled my XXXX account and previously written to the CEO of Cap One, which I thought would would be the final resolution, I was wrong. 

Please help!
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NCB Management Services Inc. (TX)

NCB MANAGEMENT SERVICES keeps reporting multiple repo on XXXX, reporting a balance of {$0.00}. Hasnt reported since XX/XX/XXXX which is a violation. XXXX hasnt been updating the account every month. Last update was on XX/XX/XXXX. Thats a violation. They sent me the bill of sale. And each credit bureau is reporting a false balance which is another violation. The bill of sale says the car was sold for {$8700.00}. The deficiency balance is {$12000.00}. Why is XXXX reporting that the original balance of the vehicle is {$18000.00} written off. If its written off wheres my 1099-C? Ive never received it. XXXX is reporting a {$0.00} balance. & XXXX is reporting {$0.00}. This account has to be reporting accurately on each credit bureau. Please modify the account or delete it. The account hasnt been updated since XX/XX/XXXX which is also a violation on XXXX. Please do a thorough investigation on this repossession account because this whole account is inaccurate.
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates L.L.C is NOT licensed to do ANY business in my State of Michigan. Therefore they are conducting business ILLEGALLY. especially across states lines which is also FRAUD.

And after 5 separate requests they STILL have NOT sent me the ORIGINAL agreement with my ORIGNAL signature on it which is required by FEDERAL LAW
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : DP OF EDUC XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I HAVE REACHED OUT TO XXXX, XXXX, EQIFAX ABOUT A COLLECTION ON ALL MY CREDIT REPORT .ORIGINAL UPGRADE NOW IN COLLECTIONS WITH XXXX FUNDING IS REPORTING. THIS ACCOUNT DOES NOT BELONG TO ME I HAVE SENT FTC REPORT ALSO A XXXX  REPORT AND THEY ARE STILL REPORTING THIS TO MY CREDIT. THIS HINDERING ME FROM BUYING A HOME, JOB OPPORTUNITIES AND MUCH MORE. THIS A DEFLAMTION TO MY CHARACTER. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency XXXX furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-09
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. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE REACHED OUT TO XXXX, TRANSUNION, XXXX ABOUT A COLLECTION ON ALL MY CREDIT REPORT .ORIGINAL XXXX XXXX IN COLLECTIONS WITH XXXXXXXX XXXX IS REPORTING. THIS ACCOUNT DOES NOT BELONG TO ME I HAVE SENT FTC REPORT ALSO A POLICE REPORT AND THEY ARE STILL REPORTING THIS TO MY CREDIT. THIS HINDERING ME FROM BUYING A HOME, JOB OPPORTUNITIES AND MUCH MORE. THIS A DEFLAMTION TO MY CHARACTER. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose