davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-03
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 (NY)

I purchased a sofa from a catalogue at XXXX XXXX XXXX on XX/XX/19 that was scheduled to be delivered on XX/XX/2019 using Synchrony Home credit card. The cost of the sofa was {$1500.00}, including a {$60.00} bank fee. The sofa was not delivered on XX/XX/2019 as contracted nor was I informed that there would be a delay in delivery. I called XXXX XXXX XXXX onXX/XX/19 to find out when my sofa would be delivered as it was already pass XXXX. I was told to call back Monday. On Monday XXXX XXXX XXXX informed me that the order was never processed and it would take a week before I could get the sofa. I couldn't wait a week for the sofa so I canceled the order. XXXX XXXX XXXX refused to give me a refund because they noted that on the receipt that the item was a final sale. This surprised me as I was not informed during the purchase that a sofa that I could not visibly see was a final sale. I had not purchased the sofa at a discount price or lower than cost nor was I able to see the sofa in store so it was not a final sale item. 
Nevertheless, I informed them that since they had not delivered on the scheduled delivery date and had not provided me with a delay notice, the contract was voided. Ive tried disputing the charge with Synchrony Home. I've asked Synchrony Home to request proof of delivery as they should have done under the Fair Credit Billing Act, but Synchrony Home sided with XXXX XXXX though they knew I have not received the sofa. Synchrony Home refused to request proof of delivery. 
There was also another charge for {$210.00} from XXXX XXXX XXXX, which I disputed with Synchrony Home informing them that I have not made any additional purchases with XXXX XXXX XXXX. I requested that Synchrony Home attain proof that the purchase was authorize by me from XXXX XXXX XXXX. I started the dispute onXX/XX/19 and still have not received a conclusion to the dispute though it's pass 60 days.
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-10-17
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. (FL)

As a consumer and natural person am a victim of identity theft. Transunion, XXXX, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Transunion, XXXX, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! Transunion, XXXX, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MI)

My Mortgage is financed and serviced by United Wholesale Mortgage ( UWM ), NMLS # XXXX. I have been trying to set up biweekly autopayment for paying mortgage since the XX/XX/2022. Customer service of UWM assured that my biweekly payment mortgage has been set. I was under the impression that this will happen so I did not check whether it's happening. This ended up in me missing two month mortgage payment because UWM negligence, which was not notified to me. However, UWM sent this to debt collector without notifying me. I paid the missing payments as soon as I found the issue of UWM failed to set up biweekly drafting. I have called UWM multiple times since XX/XX/XXXX. Every time I call I get assurance from that UWM representatives have addressed the issue and give a next draft date. However I don't see that It's Happening at all. UWM so far has been doing this merry go round each time I call them. I called customer service today ( XXXX @ XXXX ) I don't see the resolution happening yet. Now I have come to the conclusion that UWM is deliberately discriminating because of my ethnicity so that I can not avail the benefit of Bi-Weekly payment. I came to this conclusion that the UMW is discriminating because of my ethnicity even though I am paying mortgage on time, each time.
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (FL)

I became aware of a collection on my credit profile from Professional Debt Mediation. I 've attempted to have them delete this negative information from my credit files with all credit reporting agencies as I have NEVER had an account with this company. I have received phone calls and was mailed a bill that was not on a letter head from this company but from someone else. I do not owe this company any debt.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

I have had this chime account since XX/XX/XXXX. I had made a transfer from my XXXX XXXXXXXX XXXX account over to Chime Bank of {$50.00} on XXXX XXXX. I made a second transfer on XX/XX/XXXX, of {$950.00}. Thats a total of {$1000.00}. After a small purchase, I had a total of {$990.00}. About two weeks later, I received my previous transactions for my XXXX  XXXX XXXX account and noticed a transfer of {$50.00} coming from a XXXX XXXX. Due to me not knowing that XXXX XXXX  was just another name for Chime Bank, I reported the suspicious activity to XXXX  XXXX XXXX and there was a fraud investigation within minute. Two weeks later, I receive mail from Chime Bank and within the notice, I seen XXXX XXXX and realized I made a mistake. I called XXXX  XXXX XXXX to try to cancel the investigation because I am now aware of who XXXX XXXX is, but they couldn't just end it there. They said it was too late to cancel. I have tried to come to a solution and I have reached out on XX/XX/XXXX, XXXX of XXXX, XX/XX/XXXX, XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. This would consist of communication either on the phone or via email. The process is I give them a call, they escalate the situation, and let me know that only department that can help me communicates only through email. So they send me an email stating that I need to send over an overview of what happened, with a picture of my ID and a letter from XXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXX says there is no letter they can give me from there I'm stuck. Ive tried to explain that to everyone and no one can help me. I received an email confirming that I will receive a check and the amount would be {$990.00} on XX/XX/XXXX and I never received the check. I would call for an update and was told that it was on it way and when I called a month later the story changed
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (FL)

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave commenity bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2017-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (WV)

Please. Please please. Someone has to look into the Military Star card process of collecting a debt. They raise interest in debt so high you can not pay it off. They take your taxes, but fail to send you letters stating how much they took and what the new balance is. They keep taking your taxes each year and there is no end in sight. Please. They are hurting military lives so much. I can not believe the government hasnt stepped in to look at their debt collection practices. It cant be legal.
Consumer complaint received 2024-02-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION (MS)

The Company name is XXXXXXXX XXXX a collection company they calls me everyday about a bill with regions bank which i know about and i told them i was on a fixed income and it also contain overdraft fees which was of supposed to have been taken care of from regions bank i think i owe about XXXX dollars i have made a payment on the account and they calls me everyday at XXXX waking me up they even called today, i want them to stop worrying me everyday i was under the impression that a person is only supposed to be contacted once a month the number they calls me from is XXXX they have called 4 times this week please help mw with this issue the cost of living here in Mississippi is awful and we do not get any help on food i am XXXX  and get a check once a month it is hard to choose between medicine and food and bills i had to stop taking some of my medicine because i could not afford it. 

Thank you XXXX XXXX
Consumer complaint received 2022-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (OH)

I entered into a contract for a loan to have solar panels installed. Goodleap paid the installation company before substantial and/ or final completion. Now the solar installation company has filed for bankruptcy. My contract was for the installation and completion of a completed system. Goodleap refused to help during the installation process, but paid them before completion. Neither solar installation company or Goodleap fulfilled their contractual obligations, so I quit paying on my loan. To this day Goodleap demands I pay for something that is incomplete and not working.
Consumer complaint received 2022-12-18
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: EQUIFAX, INC. (GA)

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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account, under an open end consumer credit plan, as late for purpose.
Consumer complaint received 2022-04-15
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. (LA)

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

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C These accounts below are violating my rights Account Numbers : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-03
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: Nelnet, Inc. (IL)

this student loan company called nelnet has bought my student loan acct, the problem is that i have asked for forbearence and derfermehnts in the years XXXX,XXXX,XXXX,XXXX. my recent credit should be good and payments up to par, no past due. instead the company has my credit with past due., i have followed the procee and made the companyies awre of thier worngfull reporting.
Consumer complaint received 2022-12-18
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. (GA)

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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account, under an open end consumer credit plan, as late for purpose.
Consumer complaint received 2022-04-15
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 (GA)

Pursuant to 15 USC 1692c. ( C ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and original creditor I am demanding all of the following : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

On XXXX/XXXX/XXXX XXXX XXXX/XXXX, XXXX XXXX/XXXX and on XXXX/XXXX/XXXX XXXX XXXX/XXXX XXXX pulled my credit report for a credit limit increase, i later was notified by letter that they could not obtain my report and could not contact me with the information on file. Also the request could not be processed. A hard pull was place on my Experian credit report but they claim that it could not be processed. I contact them and was told by a supervisor to dispute the inquiry and it would be removed and the request would be sent to the credit reporting department, i have disputed it twice and each time it comes back as verified.
Consumer complaint received 2017-10-12
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: Diversified Consultants, Inc. (TN)

I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MI)

i was charged {$69.00} for a XXXX XXXX subscription i didn't sign up for and when i disputed the transaction they denied it, the charge was for a suposedly monthly subscription but i was only charged once, and months after the last time i had flown om spirit
Consumer complaint received 2023-04-09
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: Experian Information Solutions Inc. (TX)

I am writing to request that the XXXX XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I made settlement arrangement with XXXX XXXX XXXX  and made my payment on XX/XX/2021. They did not offer to remove them from my credit report but they did say they would mark them as charge off and paid in full for less than the full balance. I am fine with this agreement, but I'm not fine with TransUnion XXXX XXXX not following through and reported these as paid. XXXX is reporting them as legally paid in full for less than dull balance in the comment section but no where else. And on on of the XXXX accounts all three bureaus are still reporting the balance almost a full year later. I've sent them XXXX separate letters concerning this.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Key 2 Recovery, Inc. (MI)

I sent a debt validation letter to them asking for proof that I obtained this debt and they failed to provide actual proof that I obtained this debt! Now they are stating that the information that they provided to me WAS in fact sufficient, when by law it is NOT. I asked for my signature, or a school picture ID that PROVES I attended this school to obtain this debt! They provided a ledger and a class schedule. That is it! That in NO WAY proves that I attended this school or that the debt belongs to me! It doesn't include any identifying information to prove the debt is mine! By law, they have to provide proof that I attended this school because if they don't then they can't collect this debt! Just because they say the info that they provided was sufficient DOESN'T mean it is! Any judge in the land will agree with me! And I am prepared to take this that far if they want to keep playing games and trying to bully me into paying a debt that they can not even prove is mine!
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I opened an account on XX/XX/XXXX with Citizens Bank with an offer for a {$400.00} bonus when direct depositing {$1000.00} or more within 60 days of account opening. I made my first direct deposit, of {$1000.00}, on XX/XX/XXXX, well within the 60 days stipulated in the offer. 

Citizens has not paid my bonus, as they stipulated in the offer, which said it would be paid by XX/XX/XXXX. 

This is extremely unfair, and they are charging my account fees as well. 

This is extremely misleading advertising, and they should be charged treble damages for wrongful withholding of property, in addition to the {$400.00} that they owe me.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, Equifax, and XXXX are reporting inaccurate account information. ( XXXX XXXX XXXX XXXX XXXX # XXXX ). XXXX, Equifax, and XXXX are reporting incorrect opening dates, incorrect payment histories, and incorrect closing dates. This is a violation of 15 U.S Code 1681 ( Fair Credit Reporting Act ) I have called XXXX XXXX on multiple occasions, and I have visited two XXXX XXXX branches in an attempt to received proof of the account dates and payment history. XXXX XXXX has failed to provide me with any information regarding the inaccurate ( XXXX XXXX XXXX XXXX account # XXXX. ) XXXX XXXX, XXXX, Equifax, and XXXX have all violated the Fair Report Act that was established to protect consumers ( Me ) from inaccurate report information ( Them ). I am asking that the inaccurate XXXX XXXX account ( XXXX ) be delete immediately from XXXX, Equifax, and XXXX account.