davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Lendmark Financial Services (GA)

I sent this XXXX to XXXX. XXXX/ XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Lendmark Financial Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date XX/XX/23 Re : Unauthorized Credit Inquiry To Whom It May Concern, I recently received a copy of my credit report. The statement showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 
Thank you, XXXX XXXX
Consumer complaint received 2019-04-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bliksum, LLC (UT)

I originally took out a loan for less than {$6000.00}. I unfortunately defaulted on the loan due to medical reasons. Even though I tried to explain my situation and continued to make partial payments. I ended up using a debt settlement company to help resolve the account. Because the debt settlement company I was using provided false claim as far as resolving the debt. A settlement letter was at least sent to LoanMe. LoanMe was aware multiple times of the financial hardship and my efforts to resolve the case. Now my account has been turned over to a collection agency and the amount owing is {$21000.00}! They stated that the loan is still accusing interest at the original high interest rate even though the account was bought by a third party.
Consumer complaint received 2019-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TX)

I never had medical services provided by XXXX XXXX XXXX on XX/XX/2018. I had health insurance through XXXX XXXX in 2018. A medical claim was never filed with my health insurance for services with XXXX XXXX XXXX. I am receiving collection notices from : XXXX XXXX XXXX XXXX   for {$110.00} that I do not owe.
Consumer complaint received 2019-04-17
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: EQUIFAX, INC. (OK)

I submitted a dispute to Equifax which was received by their company on XX/XX/2019 for the following : XXXX XXXX XXXXXXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX XXXX {$150.00} and onXX/XX/2019 : Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$220.00} I was informed by telephone that these were all " verified ''. However, as of XX/XX/XXXX I have yet to receive any written documentation of this " verification '' though I have requested it. 

I have re-submitted a dispute for the above four accounts to Equifax to supply me with documentation that these collections belong to me or to delete them from my credit report. Note that I've also since submitted another dispute that is en route to Equifax : ( XXXX XXXX XXXX XXXX {$1800.00} ) These same disputes were submitted to XXXX and XXXX and were deleted from my credit reports ( see documentation ). I am requesting that all these erroneous account be deleted from my Equifax credit report as well. 

They don't seem responsive to my requests. Their online dispute status website does not work and telephone calls to their representatives are difficult due to language and cultural barriers.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (RI)

I opened a XXXX XXXX credit card account on XXXX and made a charge on XXXX. The statement closing date assigned to my account was XXXX. So I was billed for my charges based on a 2 day billing cycle, with no advance notification. I asked the company to reset my billing cycle to a more reasonable date and credit my account for any fees and interest accrued under the current billing cycle. They refused and offered to close the accoutn.
Consumer complaint received 2023-06-29
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: Siggi LLC (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

XX/XX/XXXX - Mailed, via Certified Mail with return receipt, a cashier 's check for the payoff amount to GM Financial, also enclosed with a contract that clearly stated the execution of the enclosed funds would constitute agreement to and acceptance of the terms of the stated contract. Those terms included marking the account as paid in full, removal of all derogatory remarks from all reporting agencies and cease all collection attempts. ( Original contract and copies of executed funds included in files ) XX/XX/XXXX - Certified Letter and funds were received by and signed for by a representative at GM Financial. 

XX/XX/XXXX - Cashier 's Check for full payoff amount, with contract stamped below signature line, was executed and deposited for payment. 

XX/XX/XXXX - GM Financial was made whole by the settlement of the cashier 's check. ( Copy of check with stamp and signature included in files ) XX/XX/XXXX - Received a letter from GM Financial acknowledging receipt of payment and the settlement of the the account in full. ( Copy of letter included in the files ) XX/XX/XXXX - GM Financial fails to perform on the agreement to remove all negative items from all reporting agencies within 30 days of executing the contract via their signature on the check and the cashing of those funds. 

XX/XX/XXXX - GM Financial continues to report the account negatively and even in the month of the payoff posted the account as delinquent, this has continued to be the reporting status month after month since the payoff. 

GM Financial has failed to perform on the agreement they entered into by signature on the check to remove any and all negative items from any and all reporting agencies. Furthermore, the agreement stated should they dishonor the contract or violate its terms they agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and they agree to Summary Judgement against them.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank closed three of my credit cards. I have NEVER been late paying any of these cards and when I used them nor my other debts including my mortgage. They sent me a letter stating that I was " indicative high risk or failure to pay ''. When I tried to call asking them how they determined if I was high risk or failure to pay, I get routed to some call center in XXXX and the person could not give me any explanation AT ALL. As a result of XXXX credit cards being closed, my credit score tanked tremendously and I can not refinance my home. I read the disclosures and NO WHERE does it state if you maintain high credit card balances, your accounts will be subject to closed. Had I known this, I would have NEVER opened any accounts with this bank. I am screwed because my credit score went from XXXX to XXXX as a result of this bank closing XXXX accounts. I have read several consumers complaining of the same thing. What I noticed is many of them such as myself are in the process of refinancing and then they start closing accounts. Times are hard but I pay my debts and there are NO late payment or missed payments on my credit report. This needs to be looked at because people are suffering due to Synchrony Bank and their deceptive loan practices
Consumer complaint received 2023-06-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-04-17
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: SYNCHRONY FINANCIAL (FL)

There have been 3 credit reports run against my credit without my consent or knowledge all by the same company SYNCHRONY. The credit reports were pulled twice on XX/XX/XXXX and once on XX/XX/XXXX. 
I have not had any reason to run my credit in the past 8 months, and have not applied for any credit cards, mortgages or car loans in this time either. I keep my credit report frozen to deter identity theft. XXXX has been less than helpful in sorting the matter out, and I want to make sure they or someone else is not actively attempting to take out loans in my name.
Consumer complaint received 2018-06-15
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: General Motors Financial Company, Inc. (MI)

I have disputed 10 hard stops on my credit report from XXXX  in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX and they have all been disputed as of XX/XX/2018 however they are still showing up on my credit report and I need them to be removed. These are not my fault, they are XXXX 's error and this have negatively impacted my credit score.
Consumer complaint received 2019-04-17
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: PENTAGON FEDERAL CREDIT UNION (IL)

I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with XXXX XXXX This inquiry is adversely effecting me and trying to get a car loan.
Consumer complaint received 2019-04-17
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: U.S. BANCORP (IL)

I had a inquiry that showed up on my credit report, I found out via a alert from XXXX 

I have not applied for any cards with us bank and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.
Consumer complaint received 2019-04-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Santander Consumer USA Holdings Inc. (MI)

On XX/XX/2019 I mailed a cashier 's check. # XXXX for {$19000.00} to XXXX XXXX, overnighted by XXXX. I received a call from a XXXX XXXX representative on XX/XX/XXXX stating they received the cashier 's check ; however, I had an additional {$550.00} in property taxes that needed to be paid ( which was totally unexpected ) but I paid online through my Michigan XXXX XXXX XXXX bank account the same day. Now after this payment they said that I would have to wait up to 15 days to receive my title in the mail. Well that date would've been XX/XX/XXXX. Yesterday I received a call from XXXX XXXX and the representative asked had I decided what I wanted to do about the vehicle? Did I want to turn in the lease or did I want to purchase vehicle? Needless to say, I was flabbergasted. I told her I had already purchased the vehicle. Then asked her does she not see the funds on my account? She indicated seeing the {$550.00} for property taxes posted but she did not see the cashier 's check payment of {$19000.00} posted to my account. So after going back and forth with her I hung up and called my bank. Michigan XXXX sent me over a document proving that the cashier 's check had been reconciled as of XX/XX/XXXX. So I called back, spoke to a finance supervisor and told her that I have been given a copy of the endorsed check by my bank noting it was cashed XX/XX/XXXX. She said that I should fax it over and they'll try to find the monies. I did that. Well then they said they had posted it to the wrong account and now they're going to correct the matter. But since payment is going to post after XX/XX/XXXX now I have an additional {$21.00} to pay.? XXXX $! Grudgently, I went online to pay that. Today, XX/XX/XXXX they're saying it still hasn't posted to the account. Once payment posts to the account then 5 to 7 business days after they can close the account. Once account has been closed then wait up to 15 days to receive my title in the mail. Nothing else I could do about it but wait. I have a problem that wait. I have a problem with the fact that I had to pay the extra {$21.00}. I have a problem with the unexpected required payment of {$550.00} in property taxes. I have a problem with them mishandling my {$19000.00}. I only have one account so how was it even applied to another account if not one of mine. The finance supervisor insisted no way to get immediate assistance and there's no one I can talk to in the accounting department. Which is the dept that is now going to finalize my account but won't handle it expediently. So this is my complaint and it's outrageous, unprofessional and unacceptable. What can I do about this? I need to have my issue resolved. Someone should be able to help. Pay, wait, pay, wait, pay, wait and wait some more is not working for me. I have other business pending that I can't move forward with until I get the lien release from XXXX XXXX. Please help me!!!
Consumer complaint received 2022-03-09
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. (NY)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. List of accounts to be deleted XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX : I am a victim of identity theft and I send the FTC report with other documents to Transunion to remove inquiries on my file TransUnion does not want to remove the hard inquiries unless they have a deletion letter from the creditor called all the creditors and they stated we can not send you a letter we do not know who you are, we do not have an account with us any please disputed directly with the credit agency no letter will be sent so when I go back to TransUnion they state they will not remove hard inquiry unless they have a letter of deletion I stated the creditors does not want to send a letter then all they say is, will notify the creditor of fraud activity and if they respond to us will take it off but if not it will remain on your file until they do two months have past and they state the same what can be done?
Consumer complaint received 2020-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Atlanticus Services Corporation (GA)

I contacted fortiva because they are who I make payments through. A company named XXXX came to do work on my flooring they did NOT complete the work. I paid {$5000.00} to have them complete. They came in XXXX to do the work, I have been calling the company back to back to have someone come out and complete the work. I have been given the run around I spoke to a manger as well as corporate now nobody basically wants to do anything. This is now XXXX and my carpet is still not completed.
Consumer complaint received 2019-04-17
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: EQUIFAX, INC. (CA)

three XXXX XXXX XXXX accounts and one XXXX accounts is being reported under my name with equifax credit reporting agencies. 
these are fraud account and not mine, its says it was attached to a bankruptcy, but i never even had a bankruptcy in my life, and these accounts are attached to a bankruptcy which i never had. 
i will be attaching the some documents that i provided equifax as well such as my police report and the FTC report please find attached thank you for your cooperation
Consumer complaint received 2019-04-17
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: Bread Financial Holdings, Inc. (IL)

I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with XXXX and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.
Consumer complaint received 2022-03-09
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX, XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account number XXXX. In those 3 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 3 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2019-04-17
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: Tower Loan of Mississippi, Inc. (AL)

Tower Loan of XXXX, AL reported a hard inquiry on my credit report in XXXX of XXXX. I reached out to them the same week and spoke with a representative who told me to report it to the credit bureaus and that should have it removed seeing I have not applied for a loan with them in years. I did as she encouraged me to do so and they still have not removed it 4 months later. I explained to her that I am in the process of repairing my credit to buy a house and do not need unauthorized hits on my credit. She said that she understood, but the situation has yet to be fixed. I have NOT been in that establishment since XXXX and have not spoken with them either to authorize a loan. I have attempted to reach out to the company and instead of fixing their mistake immediately, they have refused to remove it. It seems as if you ever get a loan with them, they will continue to put an inquiry on your report for years to come! Although they have been paid in full, and you have no business with them!!!! Beware!!!