davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL (CA)

On  XXXX / XXXX /  XXXX   between  XXXX    XXXX   XXXX   XXXX   XXXX  , I was told by a female   XXXX    sales associate who identified herself as  XXXX  that an item she located and provided to me at the   XXXX   store in  XXXX   XXXX  was on sale for 20 % off the discount price. After waiting in a short line and upon mentioning the 20 % discount to a young   XXXX   woman working at the register, the young  XXXX  woman told me that I would receive an additional 10 % off if I opened up a GAP credit card account and the total discount would be 30 % ( it actually was n't 30 % but rather 28 % since the price was first reduced by 10 % and then subsequently reduced by 20 % ). While I was distinctly told that I would receive an additional 10 % off discount by enrolling for a GAP card and the item was on sale for 20 % off, the receipt states that the item discount is 10 % and the discount for GAP card enrollment is 20 %. Given the verbally quoted discounts by both GAP employees do not match the actual discounts as reflected on the receipt, it appears that I was fraudulently induced to open a credit card I  may not  have otherwise opened had I been told what was correct or accurate ( I typically would not open a credit card for a 10 % or 20 % transaction discount for a small transaction ( i.e., less than {$19.00} ) ). As far as the actual price of the item is concerned, any mix-up or mistake does n't matter as the price would be the same if the item was first reduced by 20 % and then subsequently reduced by 10 %. That said, the verbal misrepresentations that induced me to open a credit card do matter as I most likely would not have opened the credit card account had I been told the truth.
Consumer complaint received 2017-04-17
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Midwest Recovery Systems (MI)

This debt is not mine ( Midwest Recovery Systems ) and my identity has been stolen by this company operating under the name of  XXXX   XXXX   XXXX   XXXX   XXXX  at least twice now. The first time I paid them because their phone calls were abusive and threatening ; this was in   XXXX  . In the past years I have had numerous abusive, vulgar and threatening phone calls from this same company. I  have filed 3 Police Reports regarding the phone calls and my most recent stolen identity with this company. I have  also contacted the Attorney General,  XXXX   XXXX  regarding the numerous times this company has threatened me and EXTORTED money from me. In researching this company I found out that Midwest Recovery Systems works with  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  is outlawed in many states including New York and Washington state. There are numerous complaints filed online regarding this company and how they threaten to arrest, prosecute, show up at your house, call you vulgar names ( they called me a "  XXXX  '' and a "  XXXX  '' ). I 'm TERRIFIED! THIS MUST BE TAKEN OFF MY CREDIT REPORTS, PLEASE HELP!
Consumer complaint received 2017-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

I had an auto loan with Ally Financial, but recently traded in the vehicle for a new one, and my dealership paid off loan in full to Ally on XX/XX/XXXX. Yet Ally has not posted the payment to my account, is still charging me interest, is still sending me billing statements, and refuses to even acknowledge that they have received the check. I have proof they received the check. Their employee XXXX signed for it on X/XX/17.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I have a CareCredit card obtained in XX/XX/XXXX to pay for vet bills associated with the death of my XXXX Animal. Today, XXXX XX/XX/XXXX, Synchrony Bank ( issuer ) contacted by me by phone and requested three months payment ( nearly {$200.00} ). I have been using their app, at their insistance, to make payments. The app failing to process payments has been a repeated issue. I informed Synchrony of these issues in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Synchrony advised they have no record of such reports and there is no note about such on my account. I have previously requested paper statements and Synchrony has refused, insisting I use the app. Synchrony acknowledged last verbal contanct was XX/XX/XXXX, but denies any notation regarding problems with the app or requests for paper statements. Prior to this call I had no notice that anything was amiss. I requested a supervisor not less than 8 times during this call before I was transferred to someone who was not a supervisor. I advised both representatives that I would be filing a complaint. I have not made payment on this request and consider it to be in dispute ; I do not have a valid snail mail address for either CareCredit or Synchony and all contact has been electronic or telephonic. 

Attached screenshot of incomming call log showing today 's call as well as calls in XX/XX/XXXX and XX/XX/XXXX. I called them ( outgoing ) XX/XX/XXXX.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted Transunion to dispute the account  XXXX   XXXX   XXXX   XXXX  because the account is not mines and I was told over the phone &amp; in writing that the account is factual and is going to stay on my credit file. There was no investigation into the matter and basically told  in 5 minute s over the phone there is nothey that they can do and to contact the original creditor.
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Law Office of Linda Strumpf (TN)

Its complicated. XXXX XXXX Illegal debt collect. XXXX car was voluntarily surrendered. First I knew about was XXXX. She falsified papers n show judge she served me in XXXX. In my old address. No one had been at the residence she claims she served me. The house had been boarded up for years. Now XXXX I get handed my first any only paperwork from her. This lady is know for illegal debt collections. She been fined umpteen times by gov n also sue. Ive been on XXXX  XXXX since XXXX. Now she wants XXXX I need help. These lady is going to put me in a grave. PleSe Im looking for a defense attorney to go after her XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-09
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: Credit & Collection Recovery Services, Inc. (AL)

I am filing a report on the company XXXX and also XXXX has been reporting incorrectly information and has yet to be removed and are fraudulently accounts : XXXX XXXX in the amount of {$1200.00}, Credit & Collections in the amount of {$870.00}. I have filed several disputes and I have not heard back from or received any letters, no emails, no calls, and they have not reached out to me in anyway. The company XXXX is still reporting incorrect information that need to be removed in order for me to be able to purchase my very 1st home. I am not understanding why The company has yet to remove these fraudulent accounts it has been several years now they have been reporting the wrong information. It should not take this long to have these accounts removed. I was told that it should only take 24 hours to have these fraudulent accounts removed from my credit bureau reports. I have submitted police reports Ive filed several complaints with the FTC and I am now fed up and filing a report on XXXX and XXXX. There is XXXX reporting fraudulent information on my credit report for XXXX in the amount of {$290.00}. XXXX XXXX ( XXXX  ) {$1200.00} XXXX  has yet to remove the following. Please have this removed immediately!!!!!!
Consumer complaint received 2019-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

My account balance is incorrect. Per my statement on XX/XX/19 balance due was XXXX I then made a payment for XXXX Which would bring account to XXXX due. on XX/XX/19 statement the balance due was XXXX which would be the XXXX with XXXX ( XXXX ) total owed which my statement on XX/XX/19 reflected. I then made a payment on XX/XX/19 for XXXX which would make balance due of XXXX ( which would be your fees only due ) and next payment due should be XXXX and XXXX in fees. Yet your website shows I owe XXXX which is wrong. Fix this immediately. I have also been locked out of my account for over 8 months which I have asked them to fix multiple times and they finally did today XX/XX/19
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion reinserted old inquiries back onto my credit report. I have sent 2 letters certified mail asking them to remove them. The new inquiries has caused me to have an unfavorable credit rating that is impacting me and my family financially. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Consumer complaint received 2023-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (FL)

Acima Digital ( XXXX XXXX XXXX ) {$3200.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Debt Collector : IQ Data International ( Phone : XXXX ) Debt Owed to : XXXX XXXX  XXXX XXXX XXXX  in XXXX TX IQ Data spoke with me on XX/XX/XXXX and XX/XX/XXXX about a debt I owed in the amount of {$3900.00} with my previous apartments. I explained that I had a loan dispersing soon but did not have the funds yet. XXXX XXXX stated that I should give payment information for the amount now, that IQ Data would attempt to collect the debt from my bank even without available funds, and an NSF would just " buy me time ''. As we expected, the payment came back NSF. I reviewed my debt and wanted to contest the reletting fee and make payments on the rest ; I explained this to rep XXXX XXXX when I called today XX/XX/XXXX. I offered a payment in the amount of {$1000.00} which was not accepted. XXXX XXXX transferred me to her manager, XXXX, I believe, who stated that I would be charged for the bounced check and my debt would now be tripled. The manager stated she would not take a payment from me and that further collection actions would be put on my account.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Data Systems (NC)

Financial Data System i s reporting that I have a {$450.00} collection with   XXXX   XXXX   on my credit report. This account does not belong to me. I have even spoken with their representatives about this error, and even their reps agree with me. They have promised me that they would remove this error from my credit report for months, but its still there.
Consumer complaint received 2017-07-29
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: EQUIFAX, INC. (GA)

I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX  of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.
Consumer complaint received 2017-07-29
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: SUNTRUST BANKS, INC. (GA)

I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX  of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (UT)

US Bank is reporting an erroneous late on my credit file and it must be removed. I recently checked my credit and noticed this late was reporting on my credit file. I have had an account with US bank for a very long time now and have never received a late on my account before. I have been a very loyal customer and have yet to be tardy. I did notice a late reporting for the month of XXXX in 2020 and I was simply never late. I made the payment and not only that, I never received any calls or notices if my account was ever past due. Please remove the late from my credit file.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX account ending in XXXX still reporting on my credit. XXXX XXXX has already updated Transunion that account is n't mine. XXXX XXXX changed account to responsible person for account. After change Transunion did n't remove but instead put this persons address as my current address on my credit report.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I have filed a complaint with Equifax pertaining to inaccurate information being reported by national credit .XXXX has removed the information based upon the document I provided showing a balance XXXX XXXX for {$57.00} ..i submitted the same document to Equifax , to find they have not included the faxed document in my investigation. The XXXX is the rental property I was leasing from XXXX XXXX, til XXXX XXXX XXXXt is showing a balance of {$8300.00} as of XXXX XXXX, the beginning balance of {$3000.00} in XXXX XXXX, to my understanding collection agents does not have a right to collect more than what the balance is owed, I wish Equifax to removed the negative reporting from XXXX.due to not reporting accurate information. nor correct balance owed from date XXXX XXXX
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Coradius International LLC (OH)

AT  TN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely
manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : American Coradius International    XXXX  #  XXXX
Consumer complaint received 2018-02-01
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. (WI)

Thank you for your help. 
I just got my Equifax credit report online. I linked to a company from my credit union website, and ordered it from there. 

Equifax has my last name listed with an incorrect spelling. It lists my last name spelled two ways, but the incorrect way is the name that is listed at the top of the report. 

I have never had any other name than the one I was born with. They have added an " XXXX '' to the end of my last name. 
There also is at least one account that I do not recognize. A car payment loan from XXXX, and I can not recall ever having a car loan in that period. It's possible, but it looks wrong. 
Mostly, am concerned about the incorrect spelling and I'm wondering if someone else may have used my name to open things. I have not yet gotten the reports from other credit report companies and wonder now if I should get all 3 at once.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

My complaint is against Experian. 
I called to request help trying to get my freeze removed as I am applying for a mortgage. 
Since I didn't have my PIN number, I was told to send a letter requesting that my freeze be removed as it might be faster than waiting for them to send me a new PIN number. 
I sent a letter as they instructed while also paying for an overnight delivery. 
I called them a few business days later and they told me that they had no record of receiving my letter even though I had it tracked and was shown it was received.

Three more times over the next two weeks I called Experian and was told the same thing.

On my fourth attempt for help, I was told that I was going to be put on with a " supervisor '' to help me. On this call and over my next three calls for assistance, they merely put me on hold and after over 30 minutes of waiting each time, I eventually had to hang up.

Finally, I called yet again and requested a PIN numbe
r be sent to me. I had to wait about a week to receive it all the while trying to explain the hold up to my mortgage company who couldn't process my mortgage application without, of course, checking my credit.

After receiving my PIN number in the mail and removing my freeze ( after about four weeks of trying ), I simply can't believe this outrageous business practice is allowed to go on, especially since the other two credit agencies were simple and a pleasure to work with.