davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX, I purchased a bed and box spring from Sleepy 's located on XXXX XXXX XXXX XXXX, NJ. The total costs was {$910.00} As in incentive to consummate the purchase, I was informed by the sales person attending to my need, that Sleepy 's was offering an interest free loan. I accepted the offer, and the invoice of the purchased items that included a tentative delivery date. There was n't any representation of an expiry date of the interest free loan, nor any interest rate terms and conditions. <P/>I made scheduled monthly payments, as directed, through the web site of Synchrony Bank from XX/XX/XXXXthru XX/XX/XXXX I was under the impression that my scheduled payments were credited to my balance ; however I was notified by Synchrony onXX/XX/XXXX, that my balance was {$870.00} as a result of APR of 29.99 % plus late fees. When I confronted Synchrony via phone calls, I was informed that if I download the monthly statements in PDF form, it will disclose the terms and conditions of my loan. I requested a copy of the original invoice and/or any agreement signed by me at the time of purchase, and was told to contact the Sleepy 's store. When I contacted the Sleepy 's store of purchase, they directed me to the manufacturer located I believe in XXXX XXXX Texas. That proved futile. <P/>My last course of action was sending Synchrony Bank certified mail containing a letter that detailed all of the above. That was sent on XXXX XXXX, XXXX. Until now, I only received a monthly statement with a request for {$930.00}.
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (FL)

I have had negative items on my report for months now and for some reason they have not been validated and they have not been updated on my report they have no been verified with supporting documents and I have not been notified please delete these items they are truly affecting my credit score and my chances of doing things that are needed
Consumer complaint received 2015-07-09
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: AutoNation Enterprises Incorporated (CA)

Cig financial in California repo my car now they want money from me. They are calling my wife and me telling us if we do n't give them XXXX $ they are gon na take me to court and take my last penny. Also said that when my kids get older and work my debt is going to transfer to them. I better pay or im gon na go to jail.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX I pulled my transunion credit reports and the other credit reports after being denied a loan XXXX since this time I have been trying to get my credit inquiry on XXXX from XXXX  ( membership I never requested ) and aka XXXX XXXX XXXX XXXX No response I want to know who signed me up for this membership that monitors transunion credit reports. 
I had Transunion XXXX  XXXX  XXXX XXXX XXXX auto XXXX  TRANSUNION XXXX on my reports twice All these companies doing inquiries done All this done in 1 weeks time from XXXX thru XXXX
Consumer complaint received 2018-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (UT)

I agreed to a loan from this company, only to find out that they are not a legal lender in my state ( XXXX ). 

After repaying the principal amount, as well as a significant amount of interest, I advised this company that the borrowed principal was paid back and that I was revoking ACH authorization and requesting acknowledgement that the account was paid in full. 

As of this date, this request has not yet been satisfied.
Consumer complaint received 2019-06-04
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to TransUnion via certified mail. TransUnion refuses to honor my claim & the evidence submitted. TransUnion continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is 100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXXis not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXXis not my account please remove this from my credit report. 

3 ) The XXXX/XXXX/ XXXX XXXX # XXXXis not my account please remove this from my credit report, In addition to this account being reported multiple times. 
XXXX XXXX # XXXXis not my account please remove this from my credit report. 
4 ) XXXX # XXXX, XXXX & XXXXAre not my account ( s ), please delete them from my credit fileI would also like for TransUnion to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.
Consumer complaint received 2017-08-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l. (MD)

On XXXX XXXX, 2017, I was the highest bidder on a property listed on XXXX. The property address is XXXX XXXX XXXX, XXXX, MD, XXXX. The house is titled to XXXX XXXX XXXX XXXX XXXX and was acquired through foreclosure on XXXX XXXX, 2017. I want to buy this house, but I have no confidence in the sellers ability or commitment to provide an insurable title due to a lien on the house. On XXXX XXXX, 2017, I entered into a contract for the purchase of the house. Per the contract, the seller is listed as XXXX XXXX XXXX, XXXX. The document processor, XXXX XXXX, is employed by AltiSource.com. My real estate agent is XXXX XXXX of XXXX XXXX XXXX XXXX XXXX and the title company is XXXX XXXX, with XXXX XXXX as the title attorney. The contract specified the closing must take place by XXXX XXXX, 2017, or I would suffer a penalty. I obtained a loan commitment and was prepared to close on XXXX XXXX, 2017 and scheduled closing for XXXX XXXX, 2017 at XXXX XXXX The closing did not take place because the seller could not provide an insurable title because of the pre-existing lien stated above. The seller had been advised that there was a problem with the title by XXXX XXXX several days in advance of the closing. I was advised of the issue on XXXX XXXX, 2017. Attempts were made to resolve it up to the last minute. The original contract extended to XXXX XXXX, 2017, with one additional extension since that date. In total, there have been four closing dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now, XX/XX/XXXX. My interest rate commitment ended on XXXX XXXX, 2017. Ive had to pay {$48.00} per day to keep my interest rate lock in place. I want to know the steps, if they have taken any to this point, to resolve the lien. To this point, XXXX XXXX, the contact point for AltiSource, has provided my relator with no substantial updates. He has failed to give her a plan of action for how they are addressing the lien on the home. XXXX XXXX has also ignored requests from both XXXX XXXX and XXXX XXXX for additional points of contact and additional details. In the emails provided, XXXX XXXX responds to XXXX XXXX questions about how he and AltiSource are fixing the issue by asking if I want to void my contract.
Consumer complaint received 2020-07-21
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: BMW Financial Services NA, LLC (NY)

My credit report was accessed with no autherization from me and the company will not delete the inquiry although i have not requested any forms of line of credit from them. I called customer service on XX/XX/XXXXand requested that the inquires be removed from my report and was told no and that the company was not obligated to provide any proof of credit line request.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

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
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

In  XXXX     2012  I was involved in a car accident.  XXXX   (   XXXX   XXXX   XXXX   ) a dvised that they offered a free consultation to accident victims. I went by the office and spoke with the receptionist but never returned to have treatment started. After several years, I noticed a charge of {$320.00} on my credit report from  Collection Services of Athens. I co ntacted the company several times and told them I never received services and asked for a breakdown of the services I allegedly received and they have never produced that information.  <P/> The  XXXX  center is no longer open and I am unable to get any assistance. I should not be charged for services I did not receive.
Consumer complaint received 2021-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had a credit card with Capital One and it was charged several different transactions that I did not authorize. They are stating I owe them {$1000.00} and I did not make any of the transactions. I placed a fraud claim on this account in XXXX of 2019 and they denied my claim. I tried to dispute it but they refuse to fix this issue. Now it is reporting every month charged off on my XXXX report and it is affecting my credit score. I have mailed letters and have filed an Identity Theft report due to these fraudulent charges and somebody using my credit card, but Capital One refuses to look into the matter and refuses to remove the fraudulent charges and are making me pay for it. I have also disputed this account with the credit bureaus and they are claiming the information being reported is accurate. XXXX is not reporting a high balance as they should, they are in violation of the FCRA.
Consumer complaint received 2020-07-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Hello, I originally opened a case in XXXX of 2020 regarding a transaction that is not valid. The credit card company didn't open it until XXXX. They had given me a provisional cresit. They incorrectly closed my claim in XXXX stating that " I had requested to cancel the purchase '' which is not true, and upon further investigation they have reopened the case. Because of the fact it was closed, I am supposedly no longer eligible for a provisional credit ( even though I did not request to close it ) and I now have a pending balance due of the full amount of this charge as well as the interest associated with it. They are not being helpful at all.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2020 I received an email from Capital One let me know that my credit card was getting renewed for the annual membership fee of {$95.00}. Given the situation with COVID-19, I am being very careful with my finances and did not want to use a service unless it is absolutely necessary. I immediately called to let them know I did not wish to pay the annual fee and would either cancel the card or downgrade to a non paying card. They offered me a non membership fee card and my understanding was the annual fee would thus be removed. I received the non membership fee card around XX/XX/2020 which clearly indicated it was a no fee card. On XX/XX/2020 I got an email saying that {$95.00} was due. I gave it a few days and checked my account online and still noticed the charge was still there. So on XX/XX/2020, I called Capital One. I spoke to the billing department and the dispute department and they both said there is no way to remove that fee. Even though I am not using that service and am not using that card, they do not have a way to remove the charge. I asked to speak with a supervisor and they repeated the same thing. I told them they can't charge me for a service I am not using and that I cancelled the moment the emailed me about the renewal. The supervisor refused to do anything. I asked this issue to be escalated to a higher individual, and he basically said there was nobody he could escalate it to and said that it was a final decision.
Consumer complaint received 2017-06-07
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. (LA)

I have several hard inquires that I did not authorize showing on my credit report. I have sent letters to Equifax regarding this issue and called them on  XXXX   XXXX ,   XXXX   and spoke with  XXXX  agent id #  XXXX . I advised her that the hard inquires listed ( see below ) was not authorized by me and I have made several attempts to have them removed. There is no signed paperwork or documents proving that I submitted applications with any of the company 's listed below. Per FCRA the credit bureau must report accurate information and investigate when the consumer request and investigation. None of this was done and Equifax is in violation of the FCRA due to this issue. Please assist with removing the unauthorized inquires below ....       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
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, i write to all these 3 agencies to fix the issues of my amounts were paid in full as agreed as for XXXX and XXXX  XXXX card alleged balances. I called even last week XX/XX/XXXXand i just given the run around with nothing. I am suffering from there actions as i cant get the house to buy when i have done what is right long time ago. I now reach out as my last hope as they just not right with me.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to express my deep frustration and dissatisfaction with the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and multiple communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution and the credit reporting agencies to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent items remain unresolved. 

It is extremely disheartening to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my credit file. These fraudulent entries not only affect my credit score but also raise concerns about potential identity theft or fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution and the credit reporting agencies in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my credit file have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit file. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle consumer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my credit file, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my credit file. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the accuracy of my credit file. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX CAF XXXX Balance : {$29000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX TN ) XXXX Balance : {$3500.00} XXXX HOLD XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TN ) XXXX Balance : {$3500.00} CAF XXXX Balance : {$29000.00}.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I have written to Macys several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. XXXX continues to report this inaccurate and unverifiable information.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TX)

XXXX XXXX are reporting on a XXXX XXXX debt on my collection report. A different agency by the name of CBE Group are now reporting the same debt as well. This debt is for XXXX XXXX XXXX. I 've spoken with a rep with CBE Group the first week of XX/XX/XXXX and paid {$87.00} owed for services, the remaining balane of {$170.00} I advised her I did not owe because I had already returned the service equipment. I am no longer liable for the debt with CBE Group or XXXX XXXX, and under no circumstances should two collection agencies be reporting on the same debt.
Consumer complaint received 2020-07-21
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: AMERICAN EXPRESS COMPANY (NY)

My credit report was accessed with no autherization from me and the company will not delete the inquiry although i have not requested any forms of line of credit from them. I called customer service on XX/XX/XXXXand requested that the inquires be removed from my report and was told no and that the company was not obligated to provide any proof of credit line request.
Consumer complaint received 2017-06-07
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. (IL)

My XXXX XXXX contract ended. I then decided to keep my mi-fi device on a monthly basis. I paid the last bill and then did not use the service and cancelled the service since my XXXX service now had hotspot. I then received a bill for approximately 2 months of service. I called them and they said I owed it. I said no i do not and I checked my statements and I believed I didnt owe the bill. Since the bill was only {$110.00}. I put a disclosure on the back of the check which they cashed on XXXX XXXX 2015. The disclosure was cashing of this check you agree to remove all derogatory remarks from the credit bureaus. I still do not believe I owed this amount however I paid it to get them to stop calling me. <P/>XXXX submitted the check that I sent in with the disclaimer as an ACH. I specifically wrote a check with a disclaimer on it so that it would not be processed as an " electronic transaction '' in order for me to have a copy of the check front and back with the banks documentation. I have asked for a copy of the check from XXXX and they do not have a copy of the check because of the way XXXX processed the check. When I call XXXX for a copy of the check they said the only way I can get a copy is a court order or subpoena. <P/>XXXX is saying they " wrote the account off ''. This is not true either since I paid XXXX directly for the full amount owed. <P/>I can not upload any documents as proof of this since I do not have the cashed check through the bank. I only have an XXXX Id no.