davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX I hired someone to replace a roof on our house. They offered my wife and I a " Promotional Loan Offer '' with " No Interest '' for 18 months if it was paid in full at the end of 18 months. Seemed like a good idea until my wife asked me when we got our bill for XX/XX/XXXX why we owed more than the initial loan was worth. Unfortunately since my wife pays all of our bills with a check monthly, I never realized that she was basically paying the minimum payment ( which was the same every month as stated on the bill ) and that that payment would not pay off the loan in 18 months. 

I called Synchrony on XX/XX/XXXX to try to resolve this problem and sent them a letter based on my conversation with XXXX XXXX from Synchrony, offering to split the incurred interest, then offered to pay the full interest that was accrued on XX/XX/XXXX. I have talked to various customer services folks and their account managers ( and have been patiently waiting to talk with the account managers boss which Synchrony said would call us, but haven't heard from them in over a week ). I have attached a copy of the original loan agreement, my initial letter to Synchrony, and 2 responses from Synchrony Bank for your information to help us resolve this problem fairly. Synchrony Bank   has not been very cooperative to this point. 

This type of loan is very misleading. Although I signed the agreement I was under the impression that if my wife paid the bill on-time every month that we would be done in 18 months. As you can see from the agreement that's not the case. I should have looked at the bills rather than simply handing them to my wife and having her pay them first because I was worried that we would get charged interest if it wasn't paid on time. 

XXXX XXXX, the first person we spoke with, offered to remove 2 months interest but that just didn't seem right, though now Synchrony says no interest can be removed. My wife paid 21 monthly installments of $ XXXX/month. You would think that Synchrony Bank would have found that " unusual '', why not pay it off in 18 months. XXXX XXXX said that if we had been " delinquent '' in any of our monthly payments that the bank would have gotten in contact with me to understand why a payment was missed, which would have been great because then I would have looked at the agreement and realized that this loan was coming due. Seems to me we are being unfairly punished for a loan like this and no other senior citizens should fall into this trap and that's why I am sending you this complaint, to get a fair resolution and to let others know of the pitfalls of this type of loan are. I have never had a loan like this, not from any other company who offered " no interest loans ''. When you paid the monthly bill, at the end of your term, the loan was paid off. With this loan, your monthly payments will not pay off the loan in full.
Consumer complaint received 2022-04-28
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: Global Lending Services LLC (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15USC 1681 section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 
15 USC 166B : a creditor may not treat a payment in credit card account under an open in consumer credit plan as late for purpose.
Consumer complaint received 2019-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

I spoke with XXXX at Fed Loan Servicing employee number XXXX on XX/XX/2019 at XXXX XXXX EST. He gave me conflicting information on my eligibility for the PSLF program as well as the difference between PAYE vs REPAYE and the status of either loan if I were to take out new loans. 

I asked to speak to his manager for clarification and he refused putting me on two 5 minute holds so I could " think about it ''. When I didn't hang up he said he would transfer me to a supervisor but instead he hung up. I spent an one hour and 20 minutes on the phone and still couldn't get my question answered.
Consumer complaint received 2017-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AR)

On XX/XX/XXXX, I submitted a claim against Ally Bank because all payments were not being applied XXXX. Afterwards, I spoke with XXXX, and we all came to an agreeable solution. We agreed that I would continue making payments of {$25.00} per week towards the {$1500.00}, but making them to XXXX XXXX instead of the creditor that had applied them to the wrong account. I called XXXX XXXX about two weeks ago to check our balances against one another. On my end, I have the balance paid down to {$1000.00}. The man I spoke with at Ally said he has no record of our arrangement, and kept trying to get me to set up new arrangements for a higher balance. I tried continuously to tell him that was n't correct. I then sent in my next payment of {$25.00}, making me new balance of {$1000.00}. I also sent a letter explaining our situation, and asking why they make arrangements but do not notate them in their system. I received a letter from Ally dated XX/XX/XXXX. It said I have 15 days to agree to Plan 1 of {$1400.00} or Plan 2 5 payments of {$340.00} to equal {$1700.00}, neither of which was what we had previously agreed upon. I called in today, XX/XX/XXXX. The man I spoke with says they have no record of the agreement, that I 've only been paying towards the balance of {$1900.00}, that my {$25.00} per week is doing nothing towards my balance, that my payments are not going to XXXX, but to XXXX XXXX. I told him all my checks are made out to XXXX XXXX, he says its all the same. He said that my settlement did not sound like a settlement, but a payment arrangement, that they would never have agreed to it because they like things to be handled lump sum 30 days or less, and that there is nothing in their notes of our previous agreement.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian is showing on my report 16 late accounts. I have never been late on any account prior to my XX/XX/202XXXX XXXX XXXX filing. I have not been able to reach anyone as their automated system doesn't allow me to speak with a person.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive sent a letter to Transunion to stop XXXX reporting false inaccurate information on my credit report.Why is it they can get away with not contacting me or fixing the situation? Its been over 60 days since I received a XXXX response from them! This is against the XXXX  law to not respond to me which by law your supposed to delete them off my report if you don't respond within 30days! You also violated the United States Code Law 15 U.S. code 1681b permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) I never gave you written consent to report this on my consumer report! Remove this off my account ASAP!
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Ive sent a letter to Equifax to stop XXXX reporting false inaccurate information on my credit report.Why is it they can get away with not contacting me or fixing the situation? Its been over 60 days since I received a XXXX response from them! This is against the freaking law to not respond to me which by law your supposed to delete them off my report if you don't respond within 30days! You violated the United States Code Law 15 U.S. code 1681b permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) I never gave you written cnt to report this on my consumer report! Remove it off my report ASAP!
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (AR)

Hi my name is XXXX XXXX and Im having a problem. I bought a car from a in house by here pay here dealership no credit check and they still put it on my credit. I never sign no contract for credit check with them that was the whole reason why I was interested in getting a car with them. They charge me XXXX for XXXX with XXXX miles the engine light was constantly coming on and the motor & transmission was going out. They were in house and they financing through another company dealership which is fraud. Now it says its a repossession on my credit because they reporting fraudulent information on my behalf & Im under the XXXX XXXX XXXXXXXX and Im trying to moving and its making me get denied because of a car thats on my credit that had multiple of mechanical problems. I never signed a financial agreement with CNAC I dont even know what that is. I signed one with JB BYRIDER! And they are going by in house laws and rules as far as pricing and even the repossession the finance charge, but they added it to my credit like I agreed and its on a finance where they used my credit to get it. I wont this removed immediately and they also need to be investigated for all the people they have done this too This definitely against legal rights can you guys please give me a call back at XXXX that way I can explain more and more details over the phone.
Consumer complaint received 2022-04-28
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: Conn's, Inc. (TX)

In accorance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 Usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : a creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RevNow LLC (KY)

I am writing to lodge a formal complaint against a debt collection company named RevNow - ( Employee Al XXXX ) with the information below : RevNow XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have experienced repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) at their hands, which have caused significant distress. 

Specifically, RevNow has engaged in the following prohibited actions : - Making repeated harassing calls to myself and contacting my family members without my permission, falsely implying they were being served legal papers. 
- Calling family and friends across state lines after the above call, indicating they were looking for job references for me. 
- Calling me after contacting family and friends and claiming that I had listed said family and friends on my credit application. 
- Denying said actions after being questioned about the situation of being served papers to determine whether or not I am still waiting to be served papers or not. 

Being convinced that they were separate issues, and after being assured there was no involvement in the paper serving call, I setup a payment plan with RevNow only to be immediately informed by my mother, my brother, my sister-in-law and a former business client that they had received the same XXXX calls back to back as well ( phone number - XXXX ). 

I have attached the payment plan details which were emailed to me following the call. 

These actions have not only caused me undue stress but have also negatively impacted my family life and employment during a profoundly urgent health crisis. I had left my line open to unknown numbers to be available for my daughter during an acute psychiatric crisis and the call indicated that I was being served papers, which I took to mean I was being served papers regarding her situation so I left work. 

I am seeking the FTC 's assistance in investigating these practices and taking appropriate enforcement action against RevNow and what I can do about the damage this has caused me and the damage to relationships with my family and friends. 

Thank you for your attention to this matter. I am looking forward to your swift action to address these unlawful debt collection practices.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2020, The merchant XXXX issued a credit in the amount of {$200.00} towards my American Express Serve card, however American Express claims that the credit is still being process. The funds were already credited by merchant, American Express is delaying the refund because they play with your funds for several weeks to gain interest. American Express ones again has engaged in Florida 's Unfair Business Practices. Funds must be released immediately!
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with 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. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 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 information is inaccurate.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (GA)

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX ( XXXX ), has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ay open end consumer credit plan as late for anv purpose.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter about inaccurate & false reporting things on my credit report. it has been over 40 days an I havent received a response yet.I feel like Im being taken advantage of and ignore of my disputes. Section 611A it is plainly stated that a failure to completely investigate these items with in 30 days gives a reason to Immediately remove these accounts from my credit report.it has been over 40days so they should be deleted Promptly.I demanded that these accounts be deleted immediately or I will file for Litigation do to the stress youve caused me my information was also impacted by the equifax data breach and might have gotten into the hands of the wrong person
Consumer complaint received 2020-12-08
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC (MN)

This company ( Reliant Capital Solutions ) indicates that I owe them for tuition for XXXX XXXX XXXX XXXX. Although I applied to the university, I never registered for classes or attended classes, and never agreed to be charged tuition, either verbally or through a written contract. After mutiple requests, the collection agency has refused to provide proof that the debt is owed.
Consumer complaint received 2019-10-17
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. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (VA)

I placed an order online with XXXX. The order was for 3 items. The charges posted to my account and were processed. And then showed up a second time in the pending transactions the following day. When I contacted SunTrust I was told the pending transactions would be removed from my statement. Now they are saying that they are going to charge me for the pending transactions, that they removed. Those transactions where not initiated by me or XXXX, and were SunTrust 's mistake in the first place. They should not be able to charge me for a transaction that I did not initiate. XXXX has stated that I only ordered the three items once, and that they where paid for them. Thus, SunTrust should not be able to remove an additional {$57.00} from my account a second time. I will attach statements from both XXXX customer service and SunTrust customer service, and a copy of my bank statement to this document. 
Kind Regards, XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (VA)

Im accordance with the fair credit reports act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish a account with out my written instruction.
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX I was notified of my bank account being shut down within the letter it says date of deposit XX/XX/XXXX {$5700.00} was deposited date available for that amount was XX/XX/XXXX it was a whole put on the check this is a check that I did not know about. And this was my business account that this happened to
Consumer complaint received 2021-05-07
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. (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 2023-01-29
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (OH)

made purchase on bj 's using bj 's credit card order was never deliver and bj 's did not give me a full refund i its been 6 months and they are refusing to give my full refund because of this i was denied mortgage loan