davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (MS)

A month ago I filed a complaint about false advertising by Synchrony Bank. I received a letter dated XXXX XXXX, XXXX from Synchrony Bank 's representative agreeing to honor their advertisement and not charge interest to my account if it is paid in full in 24 months. Currently, I owe {$170.00} more on the {$1800.00} which I will pay in full next week. However, the bank is trying to collect some of the interest and finance charges they lost after agreeing to waive the interest if the loan is paid off in 24 months. They are doing this by alleging that I owe late charges. I have attached a copy of the loan breakdown which shows how much I am to pay each month, the date payment is due, the date payment was received and how much was paid. If you will note the minimum payment alternates from {$53.00} to {$88.00}. However, if you will note, the months I am required to pay a minimun of {$53.00}, the payment is always XXXX day late and I am charged {$35.00} late fee. The months I am required to pay a minimum of {$88.00} the payment was always received on time. I have called numerous times trying to reach XXXX XXXX XXXX to no avail. I have left messages on her voice mail but she never calls me back. I made a payment of {$100.00} the same week that I received the attached correspondence. Therefore, that payment is not on the document. It shows I have made XXXX payments of {$100.00} each instead of XXXX.
Consumer complaint received 2017-01-01
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL (NJ)

Shortly after Synchrony Bank approved me for a JC Penny Card, with a {$500.00} credit line, and an upgrade to the JC Penny Gold card Synchrony Bank notified me in writing that they have XX/XX/2016 that they have lowered my credit line to {$100.00} Currently as of XX/XX/2016 Synchrony Bank is being sued for these deceptive credit card practices, and in my case Synchrony Bank lured me in using the hook and bait method by even upgrading me to the JC Penny Gold Card still only {$500.00} credit line that got reduced to a {$100.00} credit line because they found my credit score was low. My credit score was not checked before they even issued me the plain JC Penny charge card Synchrony Bank has been doing this practice of issuing JC Penny cards than lowering someone 's credit score, even to their own employees as I was told it was done to a JC Penny employee at the JC Penny XXXX Mall. I would think this is not only deceptive but also illegal. Should I have a case an Attorney sees my complaint please contact me immediately as I would definitely go after a lawsuit against Synchrony Bank because it seems they purposely issue JC Penny charge cards and upgrade the charge cards shortly just to ruin their consumers credit. Synchrony Bank needs to be punished like GE Capital was pay hefty fines so they no longer can exist in business and the Synchrony Bank employees be put in Federal State Prison for XXXX or more years. 
My second desired settlement is to give me the higher numbers back on my credit score. And remove information that does not even apply to me like living in XXXX NJ
Consumer complaint received 2017-02-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

I purchased a sewing machine for my wife and credit was extended by Synchrony Bank. Payments are due on the XXXX of the month beginning XX/XX/XXXX. Payments have been made between the XXXX and XXXX each month. XX/XX/XXXX, the payment was made on the XXXX because of holiday expenses. A late fee was immediately assessed for {$27.00}. The XX/XX/XXXX payment was made on the XXXX without the late fee. On XX/XX/XXXX, I received a notification from Synchrony bank " Payment Not Receved '' and that additional fees had been assessed. The normal payment is {$180.00}. They demanded immediate payment of {$240.00}. I contacted Synchrony Bank Customer Service on XX/XX/XXXX and explained the situation. I do not believe the late fees are appropriate. The customer service rep state that their policy calls for late fee assessments under the circumstances and they will not amend their policy. I advised him that I would submit the full payment requested prior to the next due date. On XX/XX/XXXX, I received a call from Synchrony Bank Debt Collection demanding immediate payment over the phone or else there would be additional fees and credit collection costs. I explained that I had already contacted their customer service and arranged to pay the total amount by the next Due Date. The caller demanded immediate payment over the phone to avoid subsequent fees. I told her they would received their payment by the next Due Date and not to bother me again. I terminated the call.
Consumer complaint received 2015-08-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Blueshore Recovery (NJ)

the lender will not stop calling harassing me and my family members this payday loan was from over XXXX years ago I filed a bankruptcy in XXXX 2015 Case Number XXXX that has not been discharged or dismissed it is still active -- XXXX phone number is XXXX XXXX XXXX
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Messerli & Kramer P.A. (WI)

The creditor I owe ( XXXX XXXX XXXX XXXX XXXX ) was called prior to charge off and told to cease and desist all phone calls but it was made very clear that I wanted letters. It was also made very clear that on both accounts the cease and desist must follow the account when it charges off. on approximately XX/XX/XXXX I called the law office of MESSERLI & KRAMER I talked to the collection department manager XXXX XXXX XXXX I explained that my wife took very il and will not be able to work for some time that's why the accounts were not being paid. I offered to make a very small monthly payment of XXXX a month on each account he told me " there is no way he will agree to terms like that " He placed me on hold came back to the phone and stated " if I have any request send them in writing " then he hung up on me. My complaint is that I never was given the opportunity to dispute the validity of the debts ( the amount owed ). IN the beginning og XX/XX/XXXX I called again I was transferred to the department that handles my accounts when they realized it was me they immediately hung up on me. CLEARLY MY RIGHTS HAVE BEEN VIOLATED. I DID SEND IN WRITTING A REQUEST FOR VALADATION OF THE DEBT 'S NO ONE HAS SENT IN ANY VALADATION! I wish the CFPB would pull the tape recording for all my calls then you will see that I speak the truth.
Consumer complaint received 2016-04-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC. (AL)

i got hurt on my job and my employer took me to the doctor, then a year later a collection agency popped up on my credit report saying that i owe almost XXXX dollars, they didnt even call me or my employer to try to discuss or send any letters to let us know that workers comp hadnt or had paid, now when i try to validate they send me just some paper with my name on it and what i owe for.i ask why the didnt call me or my job or send any letters they say they didnt have contact info
Consumer complaint received 2015-11-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Every year, we receive corrected statements from Scottrade but this XXXX is a joke. Just received in the last week of XXXX 2015 still another corrected form, long after the return has been filed. This is unacceptable to place the burden of proof back on the investor when we have already reported in good faith.
Consumer complaint received 2016-01-18
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: DriveTime (NC)

Even after I made a partial payment they immediately continued calling me every 30 minutes starting at XXXX until XXXX. While I am still making my weekly payments I just missed one payment but continued the rest and they wo n't stop calling me.I am still paying them every two weeks. Then when I do contact them they are n't willing to help. They say that they ca n't reach me well pretty soon they are going to get me fired from my job.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, AXXXX, Bankrupticies, Source Receivables violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX reported to the Equifax that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

I filed chapter XXXX bankruptcy in XXXX XXXX, XXXX. I completed chapter XXXX bankruptcy in XXXX XXXX XXXX. After chapter XXXX I did a mortgage loan modification with XXXX XXXX Mortgage. I started a new loan on XXXX XXXX, XXXX up until now. The dispute I have is that all major credit bureaus are reporting my mortgage loan information except for Experian Credit Bureau. I have disputed this item with Experian Credit Bureau and have let them know XXXX XXXX is reporting my information to them and they response is that XXXX XXXX is not reporting my current mortgage loan to them. I have repeatedly since XXXX XXXX, XXXX have asked to investigate and they repeatedly is blaming XXXX XXXX Mortgage. This is hurting my credit score and preventing me from getting credit from other lenders.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

Item # 1 : I dispute XXXX - XXXX, this is not mines. Please delete this account. 
Item # 2 : I dispute XXXX - XXXX, this account has been paid and I have attached letter as proof. Please correct this account. 
Item # 3 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (SC)

I have been disputing information on my report through Experian since XXXX XXXX and they are not using reasonable procedures to accurately update my credit information, this in violation of the FCRA. Most recently I disputed information regarding the balance and past due amount for XXXX accounts through XXXX and even uploaded a copy of account statements dated XXXX XXXX sent to me by the original creditor for both accounts. Both account statements show a balance of XXXX dollars and a past due amount of XXXX dollars. Yet the credit bureau continues to report an incorrect balance owed and past due amount, and they have incorrectly reported it since my first dispute in XXXX XXXX along with my most recent dispute in XXXX XXXX. Furthermore, I have contacted the original creditor making them aware of the inaccurate reporting and they have also not correctly reported this information to the credit bureau. The credit bureau is failing to follow reasonable procedures by just relying on the creditor for accurate credit information. Under 607 ( b ) of the FCRA, 15 U.S.C. 1681 et seq. once inaccuracy is determined, the credit reporting agency must use reasonable procedures to ensure maximum possible accuracy. This is my final goodwill attempt to have this matter cleared up and I 'm fully prepared to file suit against XXXX credit bureaus for, negligent and willful failure to reinvestigate the disputed entries in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C 1681i ( a ), 1681n and 1681o. The listed items are entirely inaccurate and represent a very serious error in reporting which is in direct violation of federal laws under the FCRA.
Consumer complaint received 2016-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (TX)

HUNTER WARFIELD is attempting to collection on a debt that was caused as a result of identity theft. 

My identity was compromised in XXXX. Someone broke into my car and stole my wallet and other items that had personal information. It 's unclear who exactly however the Department of Justice might have arrested someone. If the apartment they collect for verified ID or went through proper identification procedures they would have seen it was n't me. 

I sent a certified letter containing : FTC Fraud Affidavit on XXXX/XXXX/XXXX ( Receipt XXXX/XXXX/XXXX ). I have not received a response. Today, XXXX/XXXX/XXXX I sent another certified letter containing all of the above documents and DOJ Victim Letter. 

Please feel free to review the attached documentation and proof of what they received and when HUNTER WARFIELD received it. 

I 'm hoping to get this resolved soon. Thank you XXXX XXXX
Consumer complaint received 2016-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MS SERVICES LLC (TN)

I have a collection that 's been showing on my XXXX and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is Mountain State Adjustment, they also go by MS Services & XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.
Consumer complaint received 2016-02-26
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ZARVAD III S.A. (CA)

I had a loan for XXXX from Mypsydayloan.com. On XX/XX/XXXX I sent them a notice revoking ACH authorization because although I had already paid them XXXX they still showed me owing a balance of XXXX. 

The legal interest rate for a payday loan is XXXX per XXXX, which would be XXXX maximum interest. 

This morning I looked at my bank statement and they have once again taken XXXX despite my revoking my ACH authorization.
Consumer complaint received 2015-06-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LJ Ross Associates (MI)

I owed XXXX medical bills in the amount of {$94.00} each for my XXXX sons in XX/XX/XXXX. My sons had medicaid at the time of service. The hospital submitted the bills to medicaid for billing. The hospital claims there was a billing error and they were billed incorrectly. I NEVER received notification of this nor did I receive notice when it was taken over by a debt collector. When I pulled my credit XX/XX/XXXX I saw they were now on my credit. I disputed them. They took it off of XXXX of my credit reports but not XXXX other. I called them directly, L.J. Ross and Associates, and they were absolutely rude. Told me too bad, if I had insurance that I would have to pay them myself now because I had over a year to take care of it. I contacted my caseworker at DHS and filed appeals to get it paid, I contacted Medicaid and filed a complaint to get it paid. Finally I called L.J. Ross personally and tried to pay it myself and they told me I could n't because I had disputed it. So now these bills are stuck on my credit and I can do NOTHING about it??? How is that fair? Also, I finally got a call from Medicaid and they indicated that, because it was a billing error, I AM NOT LIABLE FOR THESE DEBTS. I requested that in writing. I then faxed the letter to L.J. Ross and later called to follow up. The lady I talked to kept interrupting me and telling me she already knew what I wanted ...? Her name was XXXX and she was very rude and agressive. She told me that until the hospital told them it was paid they do n't have to take it off my credit whether I 'm liable or not. I asked her how this was legal and she told me it was because I had plenty of time to dipute it ... which I did and it solved nothing. 

My point is how can something I am not liable for be reported to my credit? How is the hospital 's error now my fault? Why does the collection agency, L.J. Ross and Associates, not have a duty to remove items that are reported incorrectly?
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Skrill USA, Inc. (NJ)

An unauthorized transaction was made using my debit card from Skrill in the amount of {$73.00} on XXXX/XXXX/2016. 
The transaction line from my bank statement looks like this : XXXX * NY
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CA)

I received a letter dated XXXX/XXXX/15 from MRS BPO, L.L.C located at 1930 XXXX XXXX XXXX XXXX, NJ XXXX. Stating that they are collecting on be half of XXXX XXXX XXXX in the amount of {$100.00}. And if I did not pay w/in 30 days the info would be place on my credit report. Indeed I did own XXXX XXXX XXXX earlier last year for a Modem, which I returned later and when I spoke with time warned I was told by their representative that my account was at a {$0.00} balance after receiving the modem. And the negative info was removed from my credit report. 

Upon receipt of this collection notice I call time warner @ XXXX and I spoke with a gentleman by the name of XXXX, regarding account ending in XXXX, who also states that my account is at a {$0.00}. I advised him of MRS attempting to collect {$100.00} on behalf of XXXX. I request for something in wring and per XXXX, at XXXX, I should receive a letter within 4-5 business days as proof that I do not owe XXXX XXXX any Money.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had passed away, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.
Consumer complaint received 2022-08-25
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. (AR)

I was alerted on XX/XX/2022 that I had an inquiry from XXXX that XXXX XXXX  XXXX pulled my credit. And on XX/XX/2022 I was alerted that XXXX was pulled a second time for an inquiry for XXXX XXXX XXXX which is also not mine. And Equifax was also alerted on XX/XX/2022 with an inquiry from a company with the initials of XXXX. And not to mention on XXXX I was alerted with an increase from XXXXXXXX XXXX. I have no idea where these inquiries come from and I would like them removed please as soon as possible
Consumer complaint received 2016-05-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ashwood Financial Inc (FL)

I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I do not have any medical bills with XXXX XXXX Hospital, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months Equifax continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Equifax is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Equifax XXXX the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, XXXX