davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (GA)

Thhis is a compliant against rooms to go and Synchrony ( both companies are blaming the other ) XXXX XXXX I went into rooms to go and my salesman was XXXX XXXX and was approved {$7500.00} credit for 60 months no payment no interest card and I was told by XXXX that it could be used online, in store or at the outlet and I wouldn't be charged interest on any purchases. I purchased a living room set that day for {$1800.00}. A few months later i found a dinning room set at the outlet store and purchased for {$770.00} and was told again that I wouldn't be charged interest on this purchase. On XX/XX/XXXX I was charged {$19.00} interest and {$29.00} late fee ( which I am not sure why ) XX/XX/XXXX interest charge of {$18.00} On XX/XX/XXXX interest of {$18.00}. So I have been charged {$57.00} in interest charges on a NO INTEREST CARD! I spoke to someone on XX/XX/XXXX reference # XXXX and was told that everything would be taken care of. In XXXX I went into the rooms to go and spoke to the manager and he told me that my order from the outlet store was entered into the system under the wrong promotional type and he would get it taken care of and all interest and fees would be returned and going further the no interest would be honored. I Get my XXXX statement and interest is still being charged. I just left from going into rooms to go and speaking with XXXX and now she is trying to tell me that I needed to spend {$1000.00} to get no interest at the outlet! I was NEVER EVER TOLD this after speaking to over 5 people. Synchrony customer service is now refusing to speak to me telling me that I need to speak to Rooms to GO! I have been lied to and I keep getting the run around. If I was told that I would be getting charged {$18.00} a month interest I would have never made that purchase. All throughout this process I was told that as long as I made my payments on time and paid off before promotional period I would not be charged interest on ANY PURCHASES.
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$610.00} Balance updated XX/XX/2021 This account does not belong to me
Consumer complaint received 2023-04-10
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$430.00}
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Innovate Managed Holdings, LLC (NY)

1. My XXXX XXXX XXXX was paid off XX/XX/XXXX by my dealership. The leasing company charged my checking account XX/XX/XXXX after the lease was paid in full {$410.00}. Ive called them 8 different times and after being transferred around they hang up. I have an email that states they would send me a check which never happened. After my eighth call yesterday I was told that the payment back to me was being held for unknown reasons. I have disputed this charge with my bank waiting on confirmation of refund. 

2. After over 35 days my dealership still has not received the title. My dealership owes me {$3500.00} which is also being held until they receive clear title. Same leasing company. 

XXXX XXXX XXXX serviced by Innovate Servicing Corp account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If you need any further assistance, please XXXX
Consumer complaint received 2024-08-26
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. (MI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balanced {$58000.00}
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

After carefully reviewing my credit report, I noticed a closed Capital One account that was not mine. I contacted all three credit bureaus requesting for them to remove the account. I expressed that my credit report must be accurate, verifiable, and reporting timely. They responded that Capital One sent proof that the debt was mine. I asked the credit bureaus what the document stated they responded that they could not tell me. I then sent a letter to Capital One requesting debt validation. I asked them to provide legal proof that I have done business with them such, as a signed contract. Capital One did not respond to my request.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with WAKEFIELD AND ASSOCIATES with a balance of {$830.00} and an original creditor of XXXX XXXX EMERGENCY. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Consumer complaint received 2023-01-18
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. (NC)

I recently filed multiple disputes with Experian about Identity Theft that has appeared on my credit report. In addition, I filed with the FTC and filed a police report with the local XXXX XXXX Police Department. My dispute was initially filed in XXXX as well as the police report. Experian then extended the length of my dispute on XX/XX/XXXX which is reflected in my dispute claim. Experian then looked into my dispute and they removed one of the disputed claims from my credit, which was the smaller amount of {$320.00}. Experian decided that the significantly larger claim against my credit, totaling {$2600.00}, was legitimate and they did not remove that claim from my report. The reason I am filing this complaint is that both of the accounts originated from the same address in XXXX, GA. I have never lived in XXXX and have only been there for work twice, and twice for personal reasons. In addition, both of the claims on my credit are from XXXX and originated in XXXX of XXXX. Not only that but I have lived in North Carolina since XX/XX/XXXX, and I have significant paperwork proving that. The reason that this is significant is that XXXX does not offer its services in North Carolina. The nearest XXXX  store is approximately XXXX miles away in XXXX, VA. This is not a new experience for me as I have been a victim of Identity Theft in XX/XX/XXXX, and I was proven correct in that case.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-31
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)

The payment history is inaccurate. This account is in forbearance under CARES Act. The current status is all wrong. Please provide the date of last activity and the date of first delinquency. And update for legal accuracy.
Consumer complaint received 2020-01-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I received an email from Experian a couple days ago stating that my credit score had decreased ; it dropped by 20 points. I have not done any activity related to my credit. Therefore, I tried contacting them to their customer service phone number, and every time I press the option to speak to someone the call keeps dropping. The same problem happened last month when I try to reach them for a different inquiry. I spent three weeks calling the phone number until someone finally answered. This is very frustrating and unacceptable. This company needs to fix their phone system right away. They are affecting peoples lives by messing with their credit score.
Consumer complaint received 2024-05-10
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

I would like this complaint sent to the Office Of the Presidents at Macys.

I reported a verifiable issue to which I recorded a few of my issues with Citi and Macy 's. My issue was with Citi.. but, since XXXX XXXX XXXX XXXX executive team chose to lie in a response. I've chosen to follow-up with a truthful response since hers lacked integrity like the rest of the company.

On two occasions I didn't pay my Bill.. once when XXXX, and the other when my contract ended with Macy 's and I had to get XXXX XXXX XXXX XXXX XXXX So I thought it best I pay for what would help me live first.. 

In XXXX NOT XXXX I received the offer for settlement. I called asked to speak to a XXXX at. CITI and got told one would call me back. No one called me back from Citi recovery.. In XXXX I called back and got told my account was back with Macy 's I said Macys said it was with recovery... They said No Macys took the account back to review.. I said ok so how to I settle this account can I get a manager and as usually they hung up. I then get the harassing calls again.. I answer say hello hello no one answers I hang up call back I get a prompt that my social doesn't work in... or zip ( have a recording )... I dial XXXX and I get a rude rep... I ask for a manager .. get hung up on by Citi.. I call back ask for a manager.. this process of calling ( cold call proceeds and in XXXX I get the same harassing calls.. I call back and decide Im tire of being harassed and asked for my FULLLLL social which I recorded a manager saying they aren't supposed to ask for that first.. I get a rude rep I tell him how much can I pay he makes it clear id have to pay the full amount. I said can I pay a payment plan minimum XXXX he said NO the system will tell me the minimum you can pay .. he seemed uninterested in doing this.. he Tells me your first payment will be XXXX and then XXXX after each month.. he said you will have to listen to a script in order for you to pay.. I said ok and I agree. I check my account XXXX removed .... weeks later I get harassing cold calls ( I recorded ).. I get hung up on, told my account isn't with them, or yelled at saying let them assist and I can't speak to a manager and have to pay that I have no payment plan.. I said that's impossible. they get me a manager... She says clear as day ... the representative did not complete the process... Now I found that impossible because I read the agreed to a script over phone for this...

She THE MANAGER says she will investigate and she will see what she can do about my original settlement and interest .. BECAUSe OF THE SERVICES ISSUES... I make a XXXX  complaint and a CFPB complaint on CITI ... and XXXX XXXX responds .. with false occurrences..
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (FL)

FIRST FEDERAL CREDIT CONTROL HAS BEEN REPORTING TWO COLLECTION ACCOUNTS TO MY XXXX CREDIT REPORT FOR THE LAST SEVERAL MONTHS. I HAVE MADE SEVERAL ATTEMPTS TO CONTACT THEM VIA MAIL IN REGARDS TO DISPUTE THE VALIDITY OF THE DEBT BECAUSE THEY NEVER SENT ME ANYTHING IN THE MAIL ABOUT THE DEBT THEY CLAIM I OWE. FROM WHAT I CAN SEE ON MYXXXX CREDIT REPORT BOTH ACCOUNT NUMBERS ARE : # # # # # # XXXX, # # # # # # XXXX. FIRST FEDERAL CREDIT CONTROL HAS VIOLATED FCRA 15 U.S. Code 1692g ( b ) I HAVE ALSO ASKED XXXX TO REMOVE THIS DEBT FROM MY CREDIT REPORT IN A RECENT DISPUTE BUT WAS TOLD THA THE DEBT CAME BACK AS " VERIFIED '' AND ACCURATE.
Consumer complaint received 2020-10-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I HAVE NOW ASK THESE COMPANYS TO DO THE RIGHT THING BECAUSE MY INFORMATION WAS STOLEN AND MISUSED THIS MESS HAS HURT MY LIFE AND FAMILY LIFE I NEED THESE ACCOUNT REMOVE ASAP
Consumer complaint received 2021-06-08
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. (TX)

To whom it may concern : RE : Third Party Accusation Please be advised that I have received your computer generated response stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. So you stated in complaint XXXX that you need my authorization even though I supplied you with a police report, ID theft report and a request to block this information. 

Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me that I questioned the accuracy of a few items on my credit reports. That request was submitted by menot a third party agency. 

It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. 

I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. 

Please take notice that this communication dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and send the results to me within 15 days. I therefore legally and lawfully refuse your form letter response, thus giving you only 15 days, not 30 more. 

I am outraged at your accusation and I have fully researched my rights in regards to my credit file. I look forward to your expediting my original request immediately. 

Sincerely, XXXX
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (SC)

XX/XX/XXXX - Regular mortgage payment was made. I didn't realize the payment had changed due to escrows withheld increasing and the payment is auto paid each month. XX/XX/XXXX XXXXpecialized Loan Servicing ( SLS ) phoned me to let me know my payment was sitting in suspense until the balance was paid. Payment was made over the phone and processed. 30 day late occurred which was never mentioned. 
XX/XX/XXXX - House was sold thru the normal process. Payoff was sent via XXXX  and received on XXXX for the full payoff amount provided by SLS. I'm in the process of refinancing my current primary and the mortgage wasn't showing paid off as of the end of XXXX. I phones SLS and they told me turn times are delayed and they recorded the payoff as of XX/XX/XXXX when they had a live check on XXXX in their possession. I did receive my escrow refund and mortgage note as being paid in full from the company. 

At that time the mortgage late for XX/XX/XXXX was supposed to be updated and removed from my report. I received a call from my mortgage representative I'm refinancing thru and they let me know my credit report still showed a discrepancy for XXXX and now one also showed for XXXX. The house was already paid off. Now I am receiving credit updated monthly from Experian. To make matters worse they now show my credit file in XXXX as paid off for less than the balance owed so another negative hit which all in all cost me about 75-100 points on my credit report and makes me ineligible to refinance costing me additional funds each month on my current mortgage. I have had credit for 25 years and never have I have any late payments. I have made several ( 20+ ) attempts to get this corrected and to no avail. I make calls, service ticket have been opened for months with no resolution at all.
Consumer complaint received 2021-08-19
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. (TX)

On XX/XX/2021 I sent a letter to XXXX, Equifax and XXXX. Enclosed was a copy of a letter, written directly to the Credit Union who holds the account in dispute requesting documentation as well as an affidavit to verify the legitimacy of the alleged account. 

I also explained to the bureaus that many of the transactions under the alleged account were commercial transactions and therefore, should not be reporting on my personal credit. 

Each bureau continues to report this account on my credit report without investigation. I also requested a full disclosure of my entire file and to provide me a copy of the written authorization or expressed consent given for them to report my intellectual property to their reports. 

See attached letter. 

All letters were sent certified mail also
Consumer complaint received 2018-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

I received correspondence from Commonwealth Financial in reference to 2 medical bills on XX/XX/XXXX where services include Emergency Evaluation for {$960.00} and XXXX XXXX XXXX for {$51.00}. The provider is XXXX XXXX and were provided at XXXX XXXX Hospital on XX/XX/XXXX in XXXX XXXX XXXX, Florida. My Name is XXXX XXXX XXXX XXXX, ( The bills are in the name of XXXX XXXX XXXX ) I've not received services from a hospital in 15 yrs, Certainly not from XXXX XXXX Hospital nor been attended to by XXXX XXXX. My concern for Commonwealth Financial is what are your standards and protocol of verification of a bill to an individual? Do you verify birthdate?, Social security number? If you did, you would clearly know that these medical bills dont belong to me. I've contacted XXXXxXXXX twice and left 2 messages for XXXX XXXX to resolve this matter immediately.
Consumer complaint received 2020-11-05
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. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX