davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
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: SYNCHRONY FINANCIAL (MI)

Unauthorized charges were made to my Pay Pal Mastercard in XX/XX/XXXX. There were two charges to XXXX XXXX XXXX XXXX in the amounts of {$590.00} and {$730.00}. I immediately called the XXXX number on the card and let them know that I did not make those charges. About 10 days later the charges were removed. They sent me a new card. After a few more weeks, the site kept telling me I was due a refund of {$1300.00}, the amounts of the two charges. I called the XXXX number again and told them that those charges were already removed, and that I was not entitled to any more refunds. The agent we spoke to was very clear and said that the refund was to be sent to me, and that if I didn't want a check sent, they would credit my account. I told him I didn't want to be stuck having to pay this back if it was a mistake, but he reassured me that it was not a mistake and sent the check to me in the amount of {$920.00}, a smaller amount than the original, since I had already made other charges on my account. I received that check on XX/XX/XXXX and put it in the bank. On XX/XX/XXXX,  I noticed that my account showed two items listed as " Balance Transfer ( TB ) '', one in the amount of {$590.00} and the other for {$730.00}, the same amounts previously fraudulently charged to my account in XX/XX/XXXX. I called to inquire and was told that it was because I was not only credited by the original resort that charged me, that I was also refunded by Paypal, and that I could not have both. I told them what had happened when I called to inquire about the refund they insisted was due to me, and they said it was a mistake. It was not my mistake, it was their mistake, and now they are trying to make me repay over {$1300.00} that they insisted they owed me. Last week on Sunday, XX/XX/XXXX I disputed the new charges ( balance transfers, ) but have yet to hear from the credit card company.
Consumer complaint received 2018-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MI)

after multiple attempts to tell them I won't pay over the phone and that I need an itemized bill in the mail, they are still calling and I haven't received anything and its been months. Last call was today, XX/XX/18 at XXXX. From TSI. XXXX. Also calling parents and others I have no contact or association with to get a hold of me. Pushy and harassing
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (GA)

American Honda Financial reported late fees for my account with them the entire year of XXXX, XXXX and several months in XXXX. I have paid these payments on time but for some reason they have been reported as late which is preventing me from moving forward with getting my credit report and score updated to a positive number. This is preventing me from purchasing a home. I have contacted the company, I have emailed the CEO of the company in which they denied to look at my account to correct the issue. I have sent letters and they have not been answered. I sent my payments in and they have been reported late although they were on-time.
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$1100.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Consumer complaint received 2020-02-05
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. (SC)

On XX/XX/2020 I sent a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX  XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX  {$0.00} ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked this credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.
Consumer complaint received 2017-08-04
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from CheckSystem Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and XXXX XXXX Wont Still Remove This Account And Investigaion was Filed againts XXXX XXXX XXXX 2017 and XXXX XXXX Denied The Investigaion and Claim that Some Voice Calls Match Mines and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my checksystem report.
Consumer complaint received 2017-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

On XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX from CBE group stating that I owe {$130.00} for an account that was original under the XXXX XXXX XXXX. I do not owe this debt, my financial obligation has been satisfied with the University. I am not responsible for this debt nor do I owe it. I received an email from the XXXX XXXX XXXX on XX/XX/XXXX thanking me for meeting my financial obligation with the University and also stating that I can  order transcripts and my degree is on its way.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TN)

I noticed before XXXX, XX/XX/XXXX, that my ( approximate ) {$3000.00} Account Balance at WALMART was not decreasing, so began making larger-than-minimum payments of {$100.00}, so as to hopefully see a decrease of that debt.. Then, when I made my XX/XX/XXXX, payment of {$100.00}, I noted that the interest charged was {$47.00}, and that a " Card Security Fee '' of {$50.00} was being added - the two working together to wipe out my payment! I do not remember authorizing this latter debt, but had it cancelled immediately, on XX/XX/XXXX. Meanwhile, my new WALMART bill for XX/XX/XXXX, has come and is due. It shows my last payment of {$100.00} was charged a total of {$55.00} - well OVER HALF of my payment. THIS IS OUTRAGEOUS! My wife had a serious XXXX in XX/XX/XXXX. She will be XXXX next birthday, and I will be XXXX. We have struggled to pay all bills, and have had to dig deeply into our life savings to make ends meet. Let everyone know that this treatment is from an All-American company ( WALMART ), which made its great success based on being " Consumer Friendly ''. Fifty PLUS % interest is hardly " Consumer Friendly '' - and my new XX/XX/XXXX Account Balance still remains at {$3000.00}. ( On my XX/XX/XXXXbill, there was also a totally unexplained " Interest Charge '' of {$1.00} for " Quick Cash ''. )
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TN)

I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent. This letter is to inform your company I am disputing this debts and have filed an identity theft report. Please be informed that reporting inaccurate information to the credit bureaus is a defamation of character. I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies.
Consumer complaint received 2020-05-14
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. (PA)

EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR ALL THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX an ATM withdrawal was done without my ATM, {$500.00} Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX same Cash Withdrawal XX/XX/03 XXXX # XXXX {$300.00} Non Citi ATM XXXX XXXX XXXX I went to Citibank branch to file a claim and to have my atm replaced. Only few days later, I got a letter stating that both transactions were good. I filed a police report and went back to the branch, to show police report and to ask for evidence to come up with that decision, I have not use my ATM and those were not my transactions. Citibank should be responsible for this fraud. 

What proof do you have it was not fraud? 

I am asserting my rights under the Electronic Fund Transfer Act which says I can not be held liable for more than XXXX dollars. Are they intending to violate this act by not returning the lost money you are not liable for?
Consumer complaint received 2023-01-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (DC)

I was scammed by Citibank with their checking account promotion bonus. I opened XXXX checking account with Citi bank on XX/XX/2022, and qualified for the bonus program by depositing {$75000.00} into the account. The promotional {$1000.00} should be deposited into my account in XXXX. However, its been XXXX months and I am still waiting. A lot of people are having the same issues as myself. It's unacceptable that a nationwide bank franchise won't honor their legal terms. The rating agency should downgrade Citibank as apparently this kind of behavior incurs loss of credit. I would like to request your urgent investigation into this issue.
Consumer complaint received 2020-11-11
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately :
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$400.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2021 To Whom It May Concern, Over 45 days agoI wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

Please see my reasons for dispute below : 1. The following account is not mine U S DEPT OF ED/XXXX/XXXX This is not mine. 
2. The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXX Please remove it from my credit report. 
4. The following account is not mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX This is not mine. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-04-02
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)

Two accounts continue to report on credit report that are incorrect. XXXX XXXX and XXXX XXXX XXXX XXXX. They are not accurate, please see sent dispute letters.
Consumer complaint received 2017-09-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been making partial payments for years where the partial payments add up to the total monthly amount due. 

The company Specialized Loan Service has harrassed me on numerous occasions forcing me to take time off from work to deal with them. Literally days of phone calls with them. 

They refuse to apply my payments to my Load Payment and insist that they will not apply it to my loan payment. 

The result will be that even though I am paying them consistently they will forclose on my property
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX remove collection from my credit report but XXXX AND XXXX still showing that ARS collection is still in the collections, and theres people applying for credit cards in my name plus using my phone number.
Consumer complaint received 2021-08-09
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: MoneyLion Inc. (LA)

The following information is outdated. I would like it removed from my credit history report Immediate delete this inaccurate account from my credit report a collection account is late by default therefore it can not report a late payment.

Immediate delete this inaccurate account from my credit report XXXX is reporting the date of last activity as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. It is a violation to re-age a collection account. 
Immediate delete this inaccurate account from my credit report
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Supposedly this is for a   XXXX   XXXX   card debt of {$50.00} from five years ago.
# on my caller id was :  XXXX  Person I spoke with IDd himself as :   XXXX   XXXX   The address he gave to his office is ( written dispute ) :   XXXX   XXXX   XXXX  ,  XXXX , VA  XXXX  He refused a verbal cease. He also demanded the reason why I disputed the balance other than I dispute. I told him I disputed the balance and to send validation. He denied to do so stating I need to make a written request to the above address.
He denied a cease request by phone and told me I had to do so by written request to another address. I refused to take it explaining I do not have to make a written request for their company to cease calling me. He kept stating that he was only trying to help me and asked me to take down a different address to cease. I declined, and told him I know my rights and I do not have to make a written request to your company to cease, and any further attempts to contact me will be harassment and a minimum 1k fine. I ended the call.
I asked him on numerous times if the call was recorded, and he stated it was. ( doubtful in my opinion ).
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (CA)

We bought a house back on XX/XX/2022 and were told we needed to take over the XXXX loan with GoodLeap. We asked many times for all the solar information as far as warranty, loan interest rate, term, and other details on the solar companies invloded. GoodLeap did not want to provide us ant information or documentation until we applied and got approved for the loan. At that point they said they would give us the information on the solar contract etc. We signed up with Goodleap and afterward asked for the warrenty information on the solar and interest rate on the loan. They then informed us they do not handle the warranty information for the other solar company that installed the solar panels and we had to get the information from them. We then found out the waranty could not tranfer to us even though goodleap said it could and that they would provide this information when we took over the loan. XXXX XXXX XXXX is the partner with GoodLeap. Good leap also changed the interest on us after we were approved to a higher rate saying we need to have the same rate as the past owners of the loan. We were not disclosed any of this information prior to us applying for the loan with Goodleap. I feel this information was withheld from us to get the loan.
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (TX)

I notice that my payment that I submitted to Discover Card on   XXXX   XXXX  , 2017 ( the due date ) is now being considered a late payment and I have been charged a late fee of {$27.00}. I do not believe I should be receiving a late fee since there was no mention on my online account page that my payment of {$57.00} had to be received by a certain time (   XXXX   Eastern Time ) on the due date. The only time you find out your payment is late is after you click the " Make Payment '' button. I would appreciate if your agency would look into this.
Consumer complaint received 2017-08-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  refuses to remove unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company. They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also contacting Adult Protective Services for help. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA