davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TN)

My wife and I visited XXXX  XXXX XXXX to purchase furniture for our new home. During the furniture selection process, salesperson talked about financing options. We declared before we started the selection that we intend to finance the furniture and take advantage of 0 % financing. 

Our total came to about {$9000.00} and we were excited to get the finance. I completed the XXXX  XXXX  application and I was approved for financing. When I received the invoice, the total was about {$14000.00}. When my wife and I tried to understand the difference in the final bill, the sales person told me that we would not receive any published prices because I am financing. 

Since we had spent 6+ hours picking furniture, I decided to find an amicable solution and make the purchase. 

When I arrived home, salesperson had accidentally sent me a previous invoice which should the advertised price. We had purchased some floor models which were 50 % off and marked on the floor accordingly. Please review attached multiple invoices with the same same items, but different prices. 

The invoice associated with financing the prices were changed for most items - {$490.00} chair was {$590.00} ; {$120.00} floor model lamp were {$240.00} ; {$120.00} dining chairs were {$290.00} ... 

People at store and their guest service line, explained that this is agreed with Synchrony rules and guideline.

If such agreements exists, I am convinced that Synchrony and XXXX is conspiring to overcharge customers. If such agreement does not exist, Synchrony is not inspecting how their deal is abusing the funding made available to the customers. 

I shared my experience with XXXX  XXXX and they asked me to work with the store. 

When my wife and I were at the store during the selection process, we overheard two couples with similar complaints. 

This must be reviewed, and addressed.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

Im not sure whats going on and who this is company is, but a negative inaccurate remark for an alleged debt has been added to my consumer report by LVNV Funding and it needs to be removed immediately!
Consumer complaint received 2017-05-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (OH)

There are times when I paid late. And of course a {$20.00} late fee is charged. The problem is that when I make the car payment and the additional {$20.00} late fee they dont use the extra {$20.00} I send to cover the late charge. Instead they apply the extra {$20.00} to the next bill reducing the next payment and carrying over the {$20.00} late fee. For example my car payment is {$350.00} when I send {$370.00} they pay the car payment and reduce the next payment to {$330.00}. And then carry over the {$20.00} late fee. The problem is that they start reporting the account as 30 days late to the credit bureau. And they done this multiple times resulting in additional 30 day delinquent marks on my credit. Most recently  XXXX   XXXX .
Consumer complaint received 2018-12-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (OH)

XXXX XXXX has been calling my direct family in regards to Past Due debt for my Mother-in-Law and Sister-in-Law. They leave a message asking to call about the two individuals. When you call, there is a recording indicating this is about a past due payment and then when you speak with an agent, they tell you their auto loan is past due and they would like your assistance in helping them. The most recent incidence was today, XX/XX/2018. They contacted my sister directly and asked for a return call. I called them back to inquire what this was about, they said a debt collection and gave the name of my two in-laws. I told them to stop calling my family, they have no relation, they said they only have one number to call ( my mother 's ) and would remove it ... .I then told them this is not true as they have called my sister as well. I asked them to remove all numbers related to this account and felt that this was harassment. As well, it is adding quite a bit of embarassment to my in-laws since now the entire family is aware their accounts are past due. I believe this to be a violation of the FCRA and advised them as such.
Consumer complaint received 2023-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (VA)

I received a call from someone who identified herself as XXXX from Capio Partners ( my best attempt at spelling the name ). She said that she represented a collection agency. The creditor was XXXX XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) and the date of service was XX/XX/. She said that we owed {$1100.00}. We checked with both the health insurance company and XXXX XXXXXXXX XXXX XXXX The insurance paid the claim and the XXXX XXXX XXXX said that the bill was paid in full. The dollar figure given by the caller did not match any combination of the bill or insurance payment figures. 

XXXX gave me a call back number of XXXX. She also gave me a patient advocate number of XXXX. The number she gave me for XXXX XXXX XXXX was XXXX. I independently checked the number for the alleged creditor. It was not the same. XXXX gave me a client reference number XXXX. She said that the account had not been reported to the credit companies. 

I did not indicate to XXXX that I would make any payments. There was recently a data breach at XXXX XXXX, where the procedure occurred.
Consumer complaint received 2018-12-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MNE Services, Inc (VA)

a payday loan, really can't remeber there name, weird name, foreign / XXXX XXXX i think. can't remember i'm old and sick, iknow i did XXXX XXXX  and XXXX  XXXX, that i can remeber, but oher one i can't
Consumer complaint received 2018-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (FL)

I opened my XXXX app and saw my credit score go down XXXX points because some unknown company that I never contracted with reported a false late payment of which I have no knowledge of. I never contracted with Sunshine credit service nor do they have any paperwork to prove any signatures that I have a contract with them. But yet they illegally report a late payment to my credit report as of XXXX this year. First time ever seeing this appear and they somehow gained unauthorized access to my personal information. So this is fraud.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

I have the Original creditor, XXXX XXXX XXXX, reporting a delinquency on my credit, after they sold the account to Midland Credit. The issue is that XXXX XXXX is still reporting the account delinquent on my credit, and Midland is reporting the account delinquent on my credit, giving the impression to other creditors that I have multiple delinquencies, when in fact I do not. 
This is false and misleading, and hurtful to my credit score and subsequently hurting my interest rates on credit cards and potential auto loans and mortgages.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (OH)

INSURANCE SENT DOCUMENTATION THAT THE PROVIDER HAD PREVIOUSLY BILLED INSURANCE AND FUNDS WERE WAITING COLLECTION, THE XXXX FACILITY NEVER SENT BILLS TO THE ADDRESS WHERE I HAVE LIVED FOR 25 YEARS. I NEVER RECEIVED AN EOB FROM INSURANCE. BILL IN XXXX WAS NEVER SENT TO SECONDARY INSURANCE. THERE WE NO COMMUNICATION ABOUT PAYMENT ISSUES EVEN THOUGH I WAS IN FOR TREATMENT 5 TIMES IN 5 MONTHS.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

summary : Capital One failed to transfer money within communicated time frame, which adversely impacted my intended real estate transaction. In addition, after Capital One 's failure to transfer, Capital One did not compensate for due earned interests in the savings account. 

XX/XX/XXXX, request to transfer {$80000.00} to an externally linked account initiated on capitalone.com XX/XX/XXXX, auto email confirming transfer, confirmation number XXXX XX/XX/XXXX, XXXX email restricting account and transfer XX/XX/XXXX, call capital one 's customer protection team via recorded line XXXX to lift the restriction XX/XX/XXXX, call capital one 's customer protection team via recorded line XXXX to follow up, was informed to wait XXXX business days until XX/XX/XXXX XX/XX/XXXX, call capital one 's customer protection team via recorded line XXXX to follow up, and filed claim XXXX XX/XX/XXXX, call capital one 's customer protection team via recorded line XXXX to follow up, informed that no way to escalate, can only wait for the process to finish and wait for a final decision by XX/XX/XXXX XX/XX/XXXX, claim XXXX was denied in Ref : XXXX citing " The payment was processed according to your payment instructions. ''
Consumer complaint received 2024-02-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I have an HSBC Premier relationship Savings account with HSBC Bank USA. The product is being marketed as 'Earn 4.5 % APR if monthly spend on the debit card if XXXX or more '' In XX/XX/2023, I spent a total of USD XXXX on my debit card out of which XXXX were spent using my debit card on XXXX XX/XX/2023. 

The bank posted the transactions made on XXXX XX/XX/2023 on XX/XX/XXXX even though the Debit card was used on XXXX XX/XX/2023. 

Therefore based on HSBC Bank 's calculation, I was short of XXXX to reach minimum spend of XXXX since the bank is not accounting for XXXX spent on XX/XX/XXXX. 

Hence for the month of XXXX I was not paid 4.5 % XXXX on my Premier Relationship Savings Account - which translates to a loss of USD XXXX. 

It is not in customers control when the transactions will be posted and has no control over the posting dates. 

This saving product should consider the transaction date and not the posting date as the basis for following reasons. 

1 ) The product is marketed as total spent made per month 2 ) Its not under customers control when the transactions will be posted. Customer can only monitor calendar days and not Posting days. 
XXXX ) Customer has no knowledge of the actual posting dates, which is determined by the bank. So why should Customer take a hit if the transactions are not posted within the same month. 

I have raised a complaint but HSBC says it will not consider the complaint as the product is based on Posting dates and not transaction dates
Consumer complaint received 2023-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Credit Card Receivables Fund Incorporated (CA)

In XX/XX/2018 or XX/XX/2018 I enrolled online classes thru XXXX XXXX. I was looking in my student portal and I noticed that there was amounts of money coming from me to the school. Then I see where their refunded to the school. And apparently I owe the school {$27000.00} around there.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1682 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX of SSN- [ XXXX ] XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Experian s Violation of 15 U.S. Code 1681c-2 ; 15 U.S Code 1681b Complaint Regarding Experian Intentional and Malicious Violation of 15 U.S. Code 1681c-2 FTC Report # XXXX ; FTC File Number XXXX and Demand for Monetary Damages from Experian for Willful Violation of the FTC Act Federal Form XXXX XXXX will Commence Report Number XXXX VIOLATIONS - {$4000.00} Per 15 U.S. Code $ 1681c-2, a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

It has been XXXX  days, and you are in
VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Experian File dated XX/XX/2024, are listed as accounts with Adverse Information. This, again, is INCORRECT Experian is accused of violating 15 U.S. Code 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Experian 's consumer reporting agency violated 15 U.S. Code 1681b by reporting information on the consumer 's report without written instruction from the consumer. This is stated in the document, where the consumer explicitly states that they never gave any consumer reporting agency written consent to report anything on their consumer report.

Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the accounts listed immediately!

Best, By : SIGNATURE AUTHENTICATED Agent for XXXX XXXX Principal By Accommodations Without Recourse
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Consumer complaint received 2023-08-30
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. (IL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (VA)

During the past year, I utilized the company, " Western Union '' ( WU ) to send money to a relative who lived in another state. In XXXX of XXXX, I noticed that my credit card company, XXXX XXXX XXXX XXXX ( XXXX ) 's monthly bill showed two charges from WU. One charge of {$690.00} I recognized as correct. However, the 2nd charge of {$170.00} was not authorized by me. I called WU and spoke to a representative ( rep ). The rep looked into their system and stated that their was no record of a charge of {$170.00}. The rep gave me a case number # XXXX and told me to send in any information to their on-line service with that case number. I went on line, gave the information and sent a copy of the XXXX bill. 
After a two week wait, I contacted WU again. I received another case number # XXXX. I resubmitted the information. This new rep stated that I should contact XXXX. I contacted XXXX and a rep stated that WU had received the {$170.00} and they stated they had the telephone data to prove it. For the next XXXX months, I went back and forth with XXXX and received XXXX more case numbers - # XXXX and # XXXX. My final interaction with WU was with their Fraud Division. The rep informed me that WU would have to hear from XXXX to verify the charge. The WU rep game a new case number # XXXX. I contacted XXXX and a Card Service Supervisor, XXXX XXXX stated that she would contact XXXX and verify the transaction. 
On XX/XX/year>, XXXX XXXX sent me an email message stating that she called WU. She spoke to an employee named XXXX, employee ID # XXXX. He gave her a new case number # XXXX. XXXX stated that WU would not provide me with a credit XXXX {$170.00}. XXXX also stated that WU had deactivated the account with my credit number.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SD)

My Experian credit report lists the street address of the post office as a personal address on my credit report. 
I attempted to dispute it but Experian wants me to call XXXX XXXX to verify the address they have on file. 
The address was never used by me in any transaction as i have a post office box that i utilize on transactions.
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

When you arr on a IDR payment plan, if your payment doesn't cover the monthy interest, the interest your payment doesn't cover us suppose to be wrote of so your loan doesn't keep increasing. The was done correctly before covid pause but since the pause ended Mohela is not doing this. Every month my interest keeps increasing, XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX. They tried to tell me it's a timing difference but it's not it keeps increasing and increasing, never being wrote of.