davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-12
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 (PA)

I made several purchases on my PayPal account in XX/XX/XXXX. I went on and checked my previous statement balance, which was {$770.00}. The additional purchases in XX/XX/XXXXadded up to {$1000.00}. The total came of purchases plus previous statement balance came out to {$1800.00}. I made a payment of {$1400.00}. It left a balance of {$390.00}. The {$390.00} was the balance remaining for two promotional purchases I made after I paid XXXX. I then look on the next statement and realize I have {$390.00} standard interest charges. I knew that I had not made any non-promotional purchases after I made my purchase and that was the exact amount of the two purchases I made under promotional terms {$100.00} + {$280.00}. I called customer service and was expecting them to see the error and fix it. When I talked to a supervisor they started stumbling around their stories and stated that their system did not recognize me making an early payment so they applied it in a sequence order of what was purchased first. However, their explanation made no sense because in sequence order would have paid {$640.00} of standard purchases and promotional purchases that were purchased prior to the {$390.00} of promotional purchases. Their system should apply any payment to the earliest purchase, not the interest free purchases first and that is exactly what happened in this case. They attempted to rationalize it and there was no way to rationalize what happened. I am wondering how many of billions of people have been impacted by this shady and deceptive billing practice. Paypal is applying payments to promotional purchases first in order to lengthen the time they are charging for standard interest. Here is only one of the SCAMs they are running, turns out in-spite of selecting the no-interest option, they posted it as a regular credit payment and start charging 19.99 % interest. Now you might say, perhaps I made a mistake, except for the fact that I specifically chose the no-interest option as it was the primary motivator for my two purchases. The mistake I made was not closely looking at my statements, as I would have realized much sooner that I was being charged interest. I am sure I am not the only one experiencing this. I am willing to provide copies of statements but since it said not to include any account information or personal information I did not attach it. It is very clear to see that what they did was deceptive. I also read thousands of blogs and complaints online from people who experienced the same issue I did.
Consumer complaint received 2022-07-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (PA)

I have XXXX separate loans with Green Sky due to the contractor delays. These are separate accounts with different passwords and sign ins. On XX/XX/2022 I paid one account and on XX/XX/XXXX I paid the other account. After about one week I received a call that the one account was past due. I called to the company and explained that I did pay both accounts and that they applied both payments to only one account. The person argued with me that they did not do that. I asked the person to check the other account and she then reported that both payments had been applied to one account. I ask that one payment be transferred to the other account and expressed concern that this has happened before which she denied. After some heated discussion she agreed to transfer the amount to the other account. The last time this happened I had to contact them several time to have the late fee removed as it was their fault that the payment was not applied correctly. This affects my balance as they apply a second interest charge to the account they say was past due. Now I have receive a letter dated XX/XX/2022 that the account IN question is still past due. I need some help.
Consumer complaint received 2022-05-06
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. (AL)

This account is on my report and it does not belong to me it was opened fraudulently in my name. 

XXXX XXXX XXXXXXXX XX/XX/13 XXXX
Consumer complaint received 2022-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCash Holding LLC (MO)

We sent you our method of payment for a permanent discharge concerning this matter. This is simply a preliminary audit to guarantee proper accounting is being conducted with said account. 

Proof : Registered Mail Via USPS : Registered Bond Number : XXXX ( use this number to XXXX ) Routing Number : XXXX The dates, amounts and actions are all specified in our method of payment. 

Thanks for your patience and understanding.
Consumer complaint received 2018-08-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO. (FL)

My husband and I had located a Certified Pre-Owned vehicle of interest through internet searches at XXXX XXXX. Since we live 5 hours away from this dealership, we were communicating with XXXX XXXX and XXXX through email and phone calls to further qualify our interest and the condition of the vehicle. We had numerous phone calls, emails, texts with XXXX over a 2 week period. On Monday, XX/XX/XXXX, we told XXXX that we would make the trip to look at the car that Saturday, XX/XX/XXXX. We asked if we could place a deposit on the vehicle so that they would hold it until we got there. She said no, that the manager would not allow it since it was the end of the month. XXXX called us on Wednesday, XX/XX/XXXX to inform us the vehicle was still there. She sent us some additional pictures, paperwork for credit applications and a credit card authorization form to obtain a deposit. She said it was to minimize our time in the dealership since we'd be traveling such a distance to get there. We submitted the completed paperwork on XX/XX/XXXX. That day, my husband 's credit score was pulled twice. Then on Saturday, XX/XX/XXXX, both of our credit scores were pulled two additional times each, for a total of 6 inquiries in two days. This was especially surprising since XXXX was aware we had an established, perfect payment history with XXXX XXXX from a different vehicle purchase earlier this year. During our multiple conversations with XXXX over the two weeks prior, we had expressed our interest in financing through XXXX XXXX with this purchase as well. Therefore, negating the need for any credit pulls whatsoever, as XXXX XXXX can approve a credit application without a credit inquiry. 

When we arrived at the dealership, not only were we upset at the unnecessary credit inquiries, we also found the car to be in unsatisfactory condition. This was advertised as a Certified Pre-Owned vehicle, yet 3 of the 4 tires needed to be replaced. One had a plug in it, and two more were at the wear bar. We were told by XXXX that there was nothing to be done since the service department had already closed. There were also very deep scratches inside the vehicle in the backseat. None of these significant details were provided to us in any of the prior conversations we had with XXXX, nor did any of her pictures portray this damage. Given our extensive research on this specific vehicle, time spent with XXXX during the two weeks prior AND the fact that we had made the appointment 5 days in advance, we were disgusted. No one from XXXX XXXX has contacted us since this incident occurred.
Consumer complaint received 2022-03-29
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. (PA)

I, XXXX XXXX XXXX, consumer, in fact did not consent to, authorize nor benefit from any of the following accounts attached in FTC report. There was no consent nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft. It has been past 4 days since Equifax has received my correspondence and has not deleted the accounts that were identified as identity theft by the consumer. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (MO)

A company named I.Q. Data International , Inc. is telling me that there is interest being charged on my account. They have added nearly XXXX dollars to a debt of XXXX. 

On XX/XX/2021 at around XXXX XXXX  I asked I.Q. Data International , Inc. why I was being charged interest that I had not agreed to. They told me that the " state '' is mandating them to charge interest. I asked them what state was mandating them to charge me interest, they would not name an actual state. They would only say " the state in which the debt was accrued ''. I asked them which state the debt was accrued in, and they refuse to tell me what state. 

My concern is that I am being lied to about a state mandating interest be paid. 

I am also wishing to find out which state is mandating it so I can work with that state to learn more of their policies and options.
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX ) Account Number : XXXX, has 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.
Consumer complaint received 2018-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

Since my first written complaint to Loancare LLC regarding their lack of ability to lawfully service my loan, the disturbing Phone Call where I attempted to make a payment but was denied the ability to do so and subsequently had my contact information, without my consent updated to XXXX. In which I complained that I DO NOT get my statements, Loancare LLC has seemingly once again violated the regulatory period, willfully ; and in an ongoing abusive manner in which true emotional trauma has been caused, in addition to catastrophic financial damage due to ongoing violation and harassment.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

The issue is that Equifax has no record of me. ( I was able to get valid credit reports from all other credit bureau such as XXXX and XXXX. ) In XX/XX/2018, I was trying to apply for mortgage, and my lender told me that someone else showed up on my Equifax credit report. That person has a different name, different SSN and different birthday from me. Therefore the Equifax credit report was clearly wrong and can not be used to apply for mortgage. 

I called Equifax immediately and I was told that they could not locate my record using my SSN therefore its system somehow generated a wrong report instead. I was told to fax my SSN copy and other materials so that they could look into it. 

I sent all the information immediately the day after ( around mid XX/XX/2018 ). After a few days, I called Equifax to check whether they received it. I was told that I needed to wait for 10 business days before they could tell me whether they received it. 

After 10 days, I called again, and was told that they did not receive it and all I could do was to fax everything again. I was really upset but I did fax everything again on the next day ( around beginning XX/XX/2018 ) After 10 days, I called again and was told that they still did not receive it. I validated the fax number and confirmed that I was using the correct one both times. I was told to wait for a month because it would take them a month 's time to check if they receive my documents. 

In the meantime, I called my credit card companies ( XXXX and XXXX ), and both companies confirmed that they have always been sending my credit information to credit bureau including Equifax. This matches the fact that I can get correct credit reports from all other credit bureau. 

I waited a month and received their reply by mail. However, in the mail, I was referred to using the wrong name ( the one showed up incorrectly in my report ). They told me that they could not locate my credit report and asked me to fax everything again. It has been over a month and no progress was made. 

At this point I am really frustrated and do not know what else I can do to fix my credit report in Equifax.
Consumer complaint received 2019-01-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AR)

I have been paying in the same loans since XX/XX/2011. I noticed the monthly payments are increasing yet the balance has not decreased. I have called several times and asked for options. Even when placed on auto pay. I recieve nagging calls. I have not been given any explanation as to why the balance has not decreased. The agency is not willing to work with me. Paying the loan is causing me not to be abl to meet my basic needs. I feel trapped due to the lack of cooperation.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This was not sent in error I XXXX XXXX am a consumer by law and there is inaccurate information on XXXX XXXX credit report. Its been over 45 days and XXXX XXXX has yet to respond to previous dispute regarding late payment transactions. It's a billing error I've always paid as agreed. Secondly, there is no such thing as a late payment.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (MI)

I recently attempted to get a new car loan from a local dealership. The loan was denied and I just received a letter from XXXX XXXX in connection to that loan attempt where they explain the denial. 
One of the credit scores was from a credit reporting company called XXXX, XXXX. I have never heard of this company before this letter and after an internet search, I found hundreds of complaints from all over the country in regards to the misinformation that this company is showing and the inaccurate scores that they report which is hundreds of points below the three well known credit reporting companies that I good scores with.

How can a company like this exist without any knowledge of their existence and allowed to inject misinformation on the citizens of this country? I am just not understanding this as the complaints goes back a few years and there has not been any news from the government on how this is being allowed to occurred.

Based on a number of complaints, this organization requests personal information from those who call them which sounds very much like a scam to obtain that info and it is also alleged that this is a conspiracy to fraud consumers into higher interest rates.

So this XXXX XXXX, which more than 80 % of the complaints indicate was the bank that used this reporting to make its loan decision, should also be held accountable for this as they seem to be complicit with this and I am not sure that certain auto dealership may also be playing this game.
Consumer complaint received 2018-08-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This is the second time I am reporting and issue with how Equifax is handling a dispute on my credit report. I previously reported this same issue in XX/XX/XXXX. After reporting to CFPB the fraudulent collect was removed from my report. Equifax has listed the same collection on my report as of XX/XX/XXXX and will not remove. 

The fraudulent collection is from XXXX XXXX, they are attempting to collect a balance from my past account with XXXX for {$370.00}. The amount they are trying to collect is for phones that were allegedly not returned to XXXX at the ned of my contact. Collections began by XXXX and this company in XXXX and I have provided proof of return on multiple occasions. The proof of the return phone is a receipt from the XXXX store where the phone were initially purchased and returned. XXXX and the collections agency are saying the phone did not reach and internal warehouse and I would need to return to the store to track further. My responsibility was to return to XXXX, which was done at one of their corporate locations. The receipt from their corporate store listing both phones returned was provided to XXXX, XXXX XXXX and Equifax and prove beyond doubt that the phone were returned. 

This is fraudulent collections plain an simple. Equifax removed this dispute after CFPB intervened in XX/XX/XXXX. Equifax has decided to allow reporting a second time which is fraudulent on their part as they have previously acknowledge the debt not to be valid. There should be ramifications and penalty to Equifax for not maintaining a standard of protection for consumers. Participating and encouraging fraudulent reporting should carry penalties for this company.
Consumer complaint received 2022-08-23
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. (PA)

PLEASE FIND INCLUDED MY COMPLAINT WITH XXXX XXXX XXXX XXXX IN REGARD TO A FALSE DEBT REPORTING ON MY CREDIT PROFILE. THEY HAVE REQUESTED DELETION AND IM CONFIRMING WITH PROOF THAT THIS ACCOUNT IS TO BE DELETED IMMEDIATELY. YOU ARE IN VIOLATION OF 15 U.S. Code 1681c2 REPORTING INFORMATION THAT RESULTED FROM IDENITY THEFT. IF THIS DEBT IS NOT BLOCKED & DELETED, I WILL SUE THIS COMPANY.
Consumer complaint received 2022-07-31
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SIMM Associates, Inc. (SD)

XXXX XXXX XXXX XXXX XXXX is sending accounts there were included in bankruptcy to collection agencies to try to collect the debt that was discharged in bankruptcy. SIMM Associates, INC is trying to collect a debt on their behalf.
Consumer complaint received 2021-06-23
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: I.C. System, Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, has 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.
Consumer complaint received 2022-08-23
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.