davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX  Account number XXXX I DONT HAVE AN ACCOUNT OR CARD THIS IS NOT MINE IVE DISPUTED AND NO RESOLVE
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IA)

I purchased a bed from XXXX - XXXX XXXX  on XX/XX/XXXX. XX/XX/XXXX there was a recall sent out that the beds are deemed unsafe for children and to dispose of the bed. I reached out to XXXX XXXX and the XXXX seller multiple times for a refund with no response. I then reached out to Wells fargo on XX/XX/XXXX requesting a dispute of charges and a refund. on XX/XX/XXXX I received a letter from wells fargo denying my claim, claim number XXXX with the response that the timeframe for requesting a refund had expired. This should be possible, as I had a friend in the exact same situation that retrieved their money back from XXXX XXXX. I would like my money back.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AL)

In XX/XX/2022, I saw a suspicious payment on my Lowe 's account through Synchrony Bank. I contacted Synchrony bank and they agreed. Because the credit card used in the fraudulent was non-existence, the payment defaulted. The following XXXX the same situation occurred. Once again I contacted Synchrony Bank. They agreed it was fraudulent and issued me a new Lowe 's card. XXXX days ago I received, in the US mail, a notice from Synchrony Bank that they had closed my account due to XXXX defaulted payments, the XXXX payments above. I contacted Synchrony Bank and was told there was nothing they could do because THE SYSTEM, closes down any account that has a default payment. XXXX questions I asked- was the account delinquent when the fraudulent payments were attempted and was it delinquent now. Answer to both questions was " NO '', because I had made ALL payments on time. So now my credit rating which had been in the XXXX 's will suffer from the SYSTEM action without any human review. So now any credit inquiry will be affected by this erroneous information. I don't accept the " there is nothing we can do '' answer.
Consumer complaint received 2023-06-09
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: CL Holdings LLC (MS)

ADDED TO MY CREDIT REPORT ON XX/XX/2023 AMOUNT : {$280.00} UNKNOWN ACCOUNT OR CREDITOR : JEFFERSON CAPITAL I do not know who this is and why all three Credit Bureaus allowed this to happen, which affected my credit score. 
I am confident I could pay {$280.00}, but nothing in writing was sent to my home, and no one called my phone numbers. 
I can't contact the company if I don't know who it is.
Consumer complaint received 2023-09-05
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. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my right federally protected rights to privacy and confidentiality under U.S.C 1681. 
XXXX XXXX acct : # XXXX and XXXX  acct : # XXXX and XXXX acct XXXX # XXXX. 

15 U.S.C 1681 Section 602 A States i have 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.
Consumer complaint received 2023-05-02
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. (IL)

Under USC 1681g, I request that you remove these fraudulent accounts from my credit report within 15 days. These accounts do not belong to me and I have no knowledge of them. I have attached the necessary documents for your review.
Consumer complaint received 2022-10-28
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. (SC)

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. 

US DEPT ED # XXXX, # XXXX, # XXXX and 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 2023-09-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (KY)

I borrowed {$20000.00} in XXXX and that private loan is being serviced by AES. 
Now, in XXXX, after years of repayment, I have paid over {$20000.00} and still owe {$27000.00} - even though my original amount borrowed was {$20000.00}. 

Ive called multiple times asking to have my $ 420 monthly payment lowered, asked about options for any kind of loan relief, and every time, I am quickly and firmly told there is nothing they can do. My interest rate is over 12 %. 

This feels like Im being taken horrific advantage of, especially since I have already paid back the amount borrowed and still have MORE than the original amount borrowed left to pay. 

I need to help dealing with this company or I will wind up paying almost {$50000.00} for a {$20000.00} loan that I took out almost 20 years ago.
Consumer complaint received 2023-01-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime (GA)

I purchase the vehicle an i was'nt offered any insurance for this vehicle an i make a down payment. Which is a consumer violation / 15 U.S. CODE 1605 / 15 U.S. CODE 1662 / Truth in Lending Act Regulation Z / 15 U.S CODE 1635
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$44000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-09-23
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. (NC)

XXXX XXXX ( XXXX XXXX ) IS NOT SHOWING PAYMENTS I HAVE MADE IN TIMELY MANNER. BALANCE IS OLD AND CURRENT/ NEW BALANCE IS MUCH LOWER. 
REPEATED REQUEST ( DISPUTES ) WITH CREDIT BUREAUS HAVE NOT HELP TO CORRECT BALANCES.!!!!!!
Consumer complaint received 2022-12-03
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-03
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. (TX)

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. 

XXXX XXXX XXXX XXXX- acct # XXXX 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 furnis 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 informatio other than records of convictions of crimes which antedates the report by more than seven year 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-23
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. (TX)

hello my name is XXXXXXXX XXXX XXXXXXXX XXXX I want to report that XXXX is reporting things like incorrect credit card balances incorrect credit score report on XXXX page what monthly payment XXXX is supposed to report on my credit report correct things correct balances and correct score This is not the case. Wrong payment history. There are many things that are not transparent in my report. I want it to be investigated.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2022-12-20
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. (CA)

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX  account number # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that 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 account without my written instructions.
Consumer complaint received 2023-09-05
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-09-22
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. (TX)

I am having a hard time believing that an investigation has been done because there are still errors on my credit report. I sent letters to all 3 bureaus XX/XX/2022, and again most recently on XX/XX/2022. Nothing has been validated or deleted. I received a letter in XXXX stating that the account in question was verified, but I did not receive proof validating the account or that I owe this collection agency. I have no relationship with XXXX XXXX XXXX XXXX and this account should be removed from my report immediately. I have been waiting on information for 3 months and this is unacceptable. All 3 bureaus have inconsistent information reporting for this account so how will I be able to validate what is accurate or not? I do not owe this company anything so please remove this account. I will include the letters that I have sent as well as the dispute letter stating that the account was verified. Please conduct a thorough investigation and provide names and business addresses of each individual with whom you verified this information.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (KS)

On XX/XX/XXXX at approximately XXXX central I was at a place of business and attempted to use my newly received Chase Sapphire XXXX credit card. I had activated and used the card on XX/XX/XXXX ; 6 total transactions were successfully made within the XXXX XXXX XXXXXXXX area with a cumulative total under $ XXXX compared to my credit limit of $ XXXX. 

When at a place of business I attempted to use my card for a purchase of about {$500.00} and was declined. The issue caused embarrassment with no path to resolution. The card was my only means to pay. I called the Chase XXXX XXXX and was auto routed to a security team that was not available and the call disconnected without my consent. I called back and spoke to a person who transferred me to the same security team that again disconnected my call. On the third call I spoke to a XXXX who advised the security team was not available and there was nothing further he could do ; I would have to call back on XX/XX/XXXX and not be able to complete my transaction with the merchant awaiting payment. 

I had received no text or email warning me my next purchase would be declined. In asking the next day if this was an option I was told it was not ( Chase can send out reactive notices when you are declined, but no proactive warning of when they will next block an authorization ).
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act my XXXX Account # : XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions and permissions.
Consumer complaint received 2024-06-25
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 (CT)

On XX/XX/XXXX 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 XXXX without my consent nor my signature over a year after the start of this ongoing and incomplete project. 
Supposed to be a XXXX XXXX  they used a cheaper American standard. 
Supposed 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 XXXX  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 2022-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (CA)

I ordered clothes from a company in XX/XX/2022, I never received the package.The company finished their investigation and found I should pay for the package because it was tracked to my address, I .never saw the package. I think the carrier delivered the package to my house, left it in front of my door without a response from me and someone walked away with it. I am not responsible for the debt of a package I did not receive. The company threaten to send to collection and credit agency
Consumer complaint received 2021-06-30
Product: Credit card or prepaid 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: CITIBANK, N.A. (NE)

I have a charge on my Citi Credit card from ( XXXX # XXXX XXXX XXXX ) in the amount of {$4800.00} on XX/XX/2021. 

I called Citi and they cancelled my card and issued new card. There were a total of 26 fraudulent charges on my account from XX/XX/XXXX to XX/XX/XXXX for a total of {$7900.00} I contacted Citi about the XXXX XXXX and they denied my claim because I had a valid charge from XXXX in the amount of {$240.00} on the same day. They said I needed to contact XXXX for the refund. 

XXXX told me that a person by the name of XXXX XXXX prepaid online for a rental to be picked up on XX/XX/2021 in XXXX XXXX, NC but never picked it up. They told me they would credit the amount to the credit card but never did. When I called back they told me to get a police report which I did. Now when I call XXXX back, they just hang up on me. 

I have contacted Citi twice again today. Both times got disconnected.
Consumer complaint received 2022-12-03
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. (NC)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL (CA)

The bank is Synchrony Bank. I submitted a wire transfer request at XXXX PST to the institution. I confirmed they received the wire transfer instructions at XXXX PST I also confirmed the wire was submitted to their queue. However, the wire transfer has been delayed and has not left the institution. XXXX ( employee ID XXXX ) is telling me that the transfer takes 2-3 business days to process. The amount of the transfer is in excess of $ XXXX and the purpose of the wire is to purchase a house. The bank is refusing to expedite the wire or to compensate for penalties I am being charged.