davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Sierra Holdings LLC (CA)

I worked with Sierra Financial to apply for a {$1000.00} short term loan, they contacted me and said they worked with a loan broker. My primary complaint is what was disclosed to me over the phone was not the loan contract I signed for, the following deceptive and predatory lending practices were used to enter into a bait and switch loan agreement. 

Basically the on the phone consultant told me I was signing up for a short term loan that had a high APR of nearly 240 % which I knew was the case and there would be a {$140.00} finance fee added to the loan balance in addition to any accruing interest. 
I then asked the on the phone consultant to setup the installment payments to pay off the loan balance in 4 months ( 8 installments ). She said that would be setup and I would see the payments of {$250.00} debited from my account on a biweekly basis and that would pay off the loan. 

Surprisingly I never received any additional disclosures by phone, email, or mail showing the terms, due date, payment schedule or loan amortization chart. I had requested these verbally. The only notification I received was that the loan was funded. 

Then I noticed {$250.00} auto debited from my checking account at the same time as my pay period, I assumed this was my payment plan I setup. After two months and approximately {$920.00} in payments were made I wanted to see my loan balance online my balance as of XX/XX/20 was {$1200.00}. I immediately called Sierra Financial to talk about my concern, they notified me my payment had only been applied toward the finance fees and loan extension fee which totaled {$250.00} biweekly. I told them I did not request any extension and only the initial fees were disclosed to me ( not the additional {$250.00} finance fee or how the determine those fees ), and I specifically asked for the payments to be setup to payoff the loan. They then got very rude with me and said that they can not help me and the terms and conditions state payments can not be setup and the full balance needs to be paid to resolve the debt, then they hung up while I was still talking. 

So I would like for the complaint to be handled and investigated because this company is disclosing false information and preventing consumers from getting full information they need to make a decision.The company has a very bad reputation on XXXX and if I would have investigated them I would have never did business with them, but they contacted me and their potential clients marketing themselves as a different company under a different name, through a different referral sources to trick consumers they are doing business with a legitimate company. 

I'm not question weather I owe them the amount they stated, I'm questioning the validity of the contract since it was not disclosed and me as the consumer did not get to make a decision on the correct information.
Consumer complaint received 2020-03-29
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. (MO)

There are unverified accounts that remain on my report. I have tried multiple times to get these accounts removed ; the credit agency has not provided a method of verification yet they continue to report negative items that impact my ability to be approved for other lines of credit.
Consumer complaint received 2020-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft. I have notified Trans Union several times & they still report this fraudulent information. I have provided copies of my ID, social security card, police report as well as an identity theft report. The following accounts listed for Dept of EdXXXX in the amount of {$4100.00}, {$3500.00}, {$2100.00}, {$1800.00}, {$910.00}, & {$870.00}. DO NOT BELONG TO ME. THESE are not my accounts. 
XXXX XXXX XXXX in the amount of {$1500.00} & {$530.00} DO NOT BELONG TO ME. I have explained I have no knowledge of these accounts disputed with all proof but Trans union keeps reporting these fraud accounts. Please Remove & BLOCK these accounts as they are fraud.
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (MI)

Repetitive collection practices against me and on my credit reports, with XXXX, XXXX  and XXXX. 
every time i dispute the accuracy of the account, the collection companies file a new collection account action against me under a different name, with the same amount owed. this has resulted in my credit score going from XXXX in XX/XX/2020 to XXXX XX/XX/2020. 
I pay all my monthly bills and credit cards, utilities and phone bills. 
I'am service connected XXXX  XXXX XXXX Veteran XXXX XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AR Resources, Inc. (PA)

AR resources keeps calling me for debit collection. I have asked repeatedly for them to send me something in writing that verifies the debt/creditor. To date I have not received anything, yet they still keep calling me. 

I check my credit report regularly and I have nothing in collections or past due.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One is stating that I have a write off account from XXXX. To date I have never received any bills or letters from Capital One. I had an installment loan with Capital One 60 month installment loan with Capital One in XXXX. Upon making my what I thought was a final payment there was still a remaining balance. I questioned this balance and Capital One sent me all of my statements. During this process, Capital One advised that I did not need to make a payment since I was disputing and it would take several weeks to provide the statements. I received my statements in XXXX of XXXX. I contacted Capital One in XXXX and the representative could not understand as well. I paid the final payment over the phone {$830.00}. At this time because I did not have any other options and did not want my credit to be impacted I assumed this had been resolved, Upon checking my credit report years later I discovered a late payment on my credit report from XXXX. I disputed this with XXXX  and as a result of my dispute late payments started being reported in XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. I reached out to Capital One who started I did not pay my final payment in XXXX. I do not have any billing statements to support this from Capital One and this does not explain why they are reporting late payments when I have not received a bill. Capital One is ignoring my request and violating my rights as a consumer to have an accurate credit report. 

I have attached copy of bank statement which shows Capital One agent processed payment was withdrawn from my account on XX/XX/XXXX I have also posted a document which shows m payments were auto withdrawn. I have also posted response to my inquiry to capital one about the late payment in XXXX. I have also attached a letter from Capital One which references late payment in XXXX but does not mention any write off.
Consumer complaint received 2020-03-17
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. (IA)

To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. A company named : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX   XXXX XXXX. I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. Most sincerely ~
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (TX)

I received an email from the company I applied for stating that I had an active XXXX case against me when it fact my case was disposed of as of XX/XX/2020 and I have the records with it. I was in XXXX living at the time and had already held down a nearly full time job with close to 9 months of XXXX. If the records are needed then I will provide but the fact that an issue like this would impact the way people would think I would work is offensive and extremely disrespectful as someone that has made the effort to get XXXX at the age Im at and still able to uphold responsibility and live life like any other person in society.
Consumer complaint received 2021-06-16
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: DISCOVER BANK (NY)

I have the following account that does not belong to me and i want it to be remove from the 3 credit reporting agencies.

1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NJ)

Paid account in full all payments on time on the requested due date per invoice. Company placed the end of promotion date just 2 days earlier. We were entraped by fine print. Called to settle within 3 days. No concession over a 2 day miss on the final payment. Company demands interest on the total amount day one. Offered to split it. No Offered to wire the invoice NO All other banks and CC cards we deal with have the due date and promotion date match avoiding this entrapment. Every company I have ever had to call about a rare mistake overlooked the small amount when offered a wire transfer or mediate resolution. Watch out for these sharks
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (UT)

Acima is reporting on my account that needs to be removed. I have a current account with Acima I pay every month. However, I recently had credit pulled and there is a debt with them that they said I need to pay. When I called and I gave them all my info they can not pull up this account for around {$1000.00}. Because I need to finance a home I was willing to pay it but because they can not locate the account or anything they also will not let me do that. This is hurting my credit and it needs to be removed.
Consumer complaint received 2024-04-22
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: Waddell Serafino Geary Rechner Jenevein, PC ()

I was trying to buy a house and realized I had damage to my credit report According to 15 U.S.C.1681their should be no reporting definition to my carcter
Consumer complaint received 2024-01-02
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. (NJ)

These items was supposed to been deleted before the 30 days and before investigation was COMPLETED and the three credit bureaus Transunion, XXXX and XXXX didnt do so this is a VIOLATION OF FCRA LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy were it state a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

this debt does not belong to me. I requested proof of debt and removal. I have yet to get a response from the credit reporting agency or debt collectors.

Columbia debt recovery {$4200.00} Columbia debt recovery {$280.00} these accounts do not belong to me also reporting different dates and different information. 

genesis credit management {$280.00}
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CO)

I paid Synchrony {$1000.00} XX/XX/2023 and gave them authorization to debit {$2700.00} from my card on XX/XX/2023 I was given confirmation numbers of both payments. I called a week later to make the final payment 2weeks early and was told they no longer had my account and that it was in collections. I asked how can it be in collections when u just got {$1000.00} from me less than a week ago? They refuse to send me confirmation of the {$1000.00} payment. They refuse to correct this on my credit report. Synchrony accepted payments from me, my account isnt a charge off nor is it closed. I have called three times so far asking to have the status of my account corrected and requesting proof my account is paid in full. They claim they emailed it. I said I hv checked Spam, inbox etc. I have received nothing. I even asked for a letter they told me dont do that. But if I owed money theyd send me a letter. I asked to speak to a manager. Have not heard back. Synchrony received payment. I paid {$3700.00} and they will not acknowledge the debt was paid in full, no settlements the full cost of the debt is paid in full.
Consumer complaint received 2024-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I was sick with XXXX XXXX  XXXX a few years ago. During that time I was away seeking treatment. After months of being away I come to find someone that had rented from me had taken my account numbers and information. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved.
Consumer complaint received 2024-04-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (WA)

I was sent a loan for {$800.00}. I paid 4 payments of XXXX since then. It still says I owe over {$790.00} dollars of principal. They are also not licensed in Washington State where I live. I was not aware of the high APR rate nor is this legal in my state. There is also no record of payment history made available on their website, so one can not see the record on their end. However I have the bank transactions.
Consumer complaint received 2024-01-02
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NV)

Contacted XXXX XXXX XXXX XXXX XXXX ( original creditor ) I have never had their service their records confirm that fact.

Contacted EOS CCA.. consumer identification shows a name of XXXX XXXX XXXX XXXX Advised them that is not my name, no one of that name has ever lived at XXXX XXXX XXXX XXXX. 
They instructed me that clearly I was not the person they were looking for.I was further instructed to ignore their letter.
Consumer complaint received 2021-06-16
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. (LA)

I never made these inquires and EXPERIAN is saying they verified them as valid. I want my credit report to report accurately, this is hurting my chances as progressing as an American citizen. This public record is inaccurate and needs to be removed from my credit report : XXXX XXXX XXXX  LA XXXX XXXX Bankruptcy XXXX XXXX.
Consumer complaint received 2020-03-17
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. (FL)

There is an aged XXXX  account listed that should be removed, due to the statue of limitation. I am asking that it be removed due to it being 7 years old.
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I am not the primary account holder and have no control or option to resolve this account but i can tell you that I was sick with advanced stage XXXX a few years ago. During that time I was away seeking treatment. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved. This company has multiple accounts with my name involved.
Consumer complaint received 2024-04-22
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: Larry H. Miller Group of Companies (FL)

According to my most recent credit report, i have hard inquiries that is currently reporting to the three credit bureaus that I applied for credit with their organization. I did not grant anyone authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (MA)

I signed up for a XXXX Bank checking account with a {$300.00} online bonus offer, described in this promotion : https : XXXX TD Bank did not honor their promotion and has not credited my checking account with the {$300.00} bonus, even though I met the terms. 

I called their customer service and they explained that they would not honor the promotion because my {$2500.00} deposit was made via check rather than ACH. 

The terms of their promotion do not state that there are contingencies based on deposit type. The terms simply state : " To qualify for the {$300.00} personal checking bonus, new personal checking Customers must open a TD Beyond Checking account with cumulative qualifying direct deposit funds totaling {$2500.00} or more into the new checking account within 60 days of the account opening date. '' I deposited {$2600.00} on XX/XX/21 so I should qualify and I'm owed my {$300.00} bonus.
Consumer complaint received 2021-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter regarding unauthorized and unknown inquires on my credit report. More than 45 days later, I have not received a response. I feel as though my disputes are being ignored. Section 611A states that failure to investigate these items within 30days gives reason to immediately remove these items from my credit report. I demand that these inquiries be deleted immediately or I will file litigation due to the stress this has caused me. My information was also impacted by the equifax data and may have got into the wrong hands.