davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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: Army and Air Force Exchange Service (SC)

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (GA)

The account was settled and the company XXXX XXXX XXXX paid in full and a refund then reversed it 2 months later causing me adverse harm to my bank account and credit worthiness. Now they are reporting the account as late and reporting inaccurate information. I also sent them a cease and desist and they still continuously harassing me causing me XXXX  and mental anguish. Being duly sworn, hereby swear under oath that : My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to optout of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment.The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of XXXX. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.

Under penalty of perjury, I hereby declare and affirm that the abovementioned The statement is, to the best of my knowledge, true and correct.
Consumer complaint received 2024-02-14
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. (CA)

The posting of a XXXX  consolidation loan has resulted in XXXX points deducted from my credit score. It is not a revolving account it is a installment loan.

Experian says they have nothing to do with credit scores and this instance. When trying to file a dispute online, none of the pages work. 

Error message says " Oops we are sorry '' call XXXX. The menu on the phone line doesn't offer tech assistance and one customer service told me they do not get involved with credit score questions.
Consumer complaint received 2023-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act ( FDCPA ) and The Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices ( UDAP ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Thank you for your purchase of {$420.00} which you paid pennies on the dollar, can I see the Purchase Agreement and the Original Creditors terms and agreement/condition. I refuse to pay this debt, my dads ice cream truck caught fire on the highway due to these unforeseen circumstances all funds are tied up.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have two credit cards with Capital One. I called them to update my autopay to a new XXXX  checking account. They changed the Quicksilver but not the XXXX so I received notification that my bill hadnt been paid. 

They make it impossible for me to access my account. I live in XXXX, I have a XXXX phone number so I can not login or view my account because of MFA. I explained this to them and they wouldnt help. You can only access your account through their app. They do not support a website. I have no idea what charges I am paying or fees. I can not view any of it. I tried to change the phone number on my account to a friends so I could go online and pay my bill. They refused to change it because they said my passport wasnt good enough, I needed a state ID or Drivers license. I tried to explain to them that I live in XXXX and a passport is much more powerful as you need more proof to prove you are the person obtaining a passport, but they didnt care. 

It should be illegal to only allow access by app. No other company only allows access by app. Everyone has websites. What do people without smartphones do?
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (FL)

In 2022, I purchased a XXXX XXXX XXXX XXXX XXXX ) from Ashley Furniture, consisting of four elements, for {$1900.00}. The amount was charged to my Synchrony Bank credit card. However, the bed was never delivered. Since then, despite multiple attempts to resolve the issue directly with the company, no action has been taken, and the charge remains on my credit card account. This ongoing charge has negatively impacted my financial situation for over a year. I am requesting a full refund of {$1900.00} + taxes and interest charges fee ( From Ashley to Synchrony Bank ) to resolve this matter.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I was told by Mohela my payments would resume with a monthly payment of {$570.00} on XX/XX/23, under the SAVE plan ( see attached ). Then, my account was placed on an administrative forbearance, and my monthly payment was increased without explanation to {$1000.00} on XX/XX/23, which my family and I can not afford. I submitted another Income Driven Repayment Plan Request, and now several weeks later, the payment has again changed to {$690.00} on XX/XX/23, which my family and I still can not afford. I have tried contacting Mohela by secure messaging on their website, with no response to my concern. I've tried calling them several times, and after a ~three-hour hold one day did speak with a Mohela employee, who could not provide me with an explanation. This situation is frustrating, and the loan payment uncertainty is making it difficult to make future financial decisions.
Consumer complaint received 2023-07-31
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. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX , GA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor  : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX/XXXX  XX/XX/XXXX.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

My credit report is showing late payments to XXXX BANK XXXX. XXXX and XXXX XXXX  XXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (NC)

I noticed a reporting back on my credit back in XX/XX/year> from PayPal. I called PayPal and inquired what was the reporting for. They gave me a balance of {$56.00} and some odd change however could not tell me what it was for or the name of the company and they advise me that it was a weird name that they were not familiar with. I advised them I was unaware of a PayPal card even existing. The representative stated that she would close the account and open a fraud claim. 

I checked my credit reporting again in XXXX and it had not been removed. So I called XXXX back and advised them that it still was showing up on my credit. And the representative advised me of the same thing and that they would take care of it. I started receiving calls from a debt collector about the same charge. I called PayPal credit back XX/XX/year> and she advised me again that the account was being closed and she would submitting a fraud/unauthorized charge to remove the balance and to remove the reporting from my credit. Here again in XXXX, I receive a call from a third-party debt collection for the exact same thing. I called PayPal again this month for the second time and was advised that the last representative did not open the fraud case in error. The representative advised me I would have to wait 60 days. I advised the representative that was not my fault that their representative dropped the ball and I have been calling since XXXX about this problem. PayPal has already advised that they would remove the balance because no one can explain to me who the company is or what the charge is for. They also advised that they would remove it from my credit, but I would have to wait another 60 days. I should not have to wait another 60 days when I've tried to get this resolved back in XX/XX/year> and I've called every single month since then. I need the balance removed and removed from my credit asap.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Mercedes Benz Financial Services (CA)

Hello, I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX to buy out my lease car and the buy out price they told me was different from what I agreed on the day of lease start date, which is XX/XX/XXXX. 

I have a screenshot of the printout. I was told by the sales person that I get a lease credit of {$7500.00} if I lease the car before I buy out instead of buying at front because of the income cap. So I did as I was told. Then, I told them I want to buy out next day so that I didn't have to pay the extra rent charge. 

They said that I can't buy for next 2 to 3 weeks. After 2 to 3 week, I went to the dealer to pay the buy out amount. Then, they said that I have to pay more now because of the rent charge. It is very fair that they don't let you pay and charge you more. 

The dealer should not advertise lease credit of {$7500.00}, make consumers pay later to charge more rent charges and fees without a notice. It's a fraud and false advertisement. I also have screenshots of the texts I sent to the sale people to let them know that I want to buy out ASAP. Now, the Mercedes-Benz finacial service is asking me to pay more than what I agreed on the lease start date and billing me the rent charge that I was not told when I signed the lease. The dealer said I have to pay more rent charges even if I tried to pay earlier to prevent this charge. 

I told the dealer and financial service that I would like to start the dispute and arbitration process for the discrepancy amount and asking them to release the title, but no response from them until XX/XX/XXXX. 

I have already paid the amount I agreed on the date of lease, which {$75000.00}.

I believe that using the tax credits to advertise cheaper car prices, then making more profits by making consumers pay later and charges more rent charges without a notice seem like treating the consumers unfairly. I feel that what they are doing right now is deceiving the consumers and abusing the tax credits and the system to make more profits for themselves. I would like to request the Bureau to investigate this issue, initiate an administrative adjudication proceeding by filing a Notice of Charges alleging a violation of a consumer protection statute, or filing an action in federal district court. I hope they stop this practice, and other consumers don't get into the same situation like mine. I hope to hear from the dealer and the financial service soon to resolve this issue.
Consumer complaint received 2023-07-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (AL)

I'm checking my credit report and see that it is a loan from ally financial on my report. I see that it is paid and closed but i did not authorize any one to use my name or credit to purchase a vehicle. I am trying to get this solved but i am getting no where. I am being told that it is accurate and verified due to having my signature and license but that can not be true. I have tried to work with your company since founding out about this loan to no success. I am a victim of identity theft and do have a police report and ftc report regarding this situation.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NY)

I have a citi best buy account. great card no issues. However on CITIBANK NA, BEST BUY ( Bank ) XX/XX/2022 i had asked for a credit card increase. I was told by there customer service rep this would only be a SOFT pull that's why I did it. When I later looked they had made it a hard pull and explained how the customer service rep provided wrong information. They had told me would give me a courtesy an remove the hard inquiry for the increase for being a valued customer but it had never happened. I have tried on multiple times to fix this since and it has never happened. I have no issues with the credit card, the store and bank. I will continue doing business with them as there company I always recommend.
Consumer complaint received 2024-02-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NH)

On XX/XX/XXXX, I received a cell phone bill from XXXX for the amount of {$540.00}. The amount is 5 times my normal bill amount. 
In XXXX, I called XXXX to have them switch XXXX of my lines to unlimited. This never occurred and they are stating they do not have a record of my request. In XXXX our lines were disconnected. My husband and I attempted to port our numbers from XXXX and they are holding our numbers XXXX. These numbers were originally ported to XXXX and we have had the same numbers since XXXX. 
Every time I called to resolve the issue, I would get transferred to different departments, often the wrong ones. Many times I would be disconnected while on hold. The language barrier with the representatives makes communication next to impossible. I was promised callbacks both from customer service and my local Xfinity store, which never happened. 
I have XXXX paid-off phones and they are also holding them XXXX and will not allow me to port them to another company. My XXXX XXXX XXXX XXXX is listed on my account as paid off, but XXXX states this is false despite my documentation. 
I was sent to a collections company 3 times in XXXX just to be told my debt was not with them. I received a collection letter in XXXX, yet XXXX continues to charge my account despite disconnecting my lines 3 months ago.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

FRAUD. My new account in XX/XX/XXXX. On XX/XX/XXXX there was unauthorized transactions totaling {$1300.00}. I called Bank of America Customer Service and filed a complaint. They said they would send me a new card, and look into it and it would take 5 business days to resolve. Ten days later I call again and they tell me it was denied! They said they would reopen the complaint and it would take 48 hours.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2023, I was purchasing a refrigerator over the phone through LOWES XXXX XXXX  using my LOWES credit card. I have possessed a credit card with LOWES for approximately 8 years and have never been late making a payment and many times paying my full balance off. I have an exemplary credit file with no late payments ever made. 

Although I had adequate credit available to make the purchase, the purchase was declined and I contacted LOWES at XXXX to investigate why. I was given an obscure excuse that the credit bureau is making them verify my identity. They completed the two-step authentification process by sending me a link via my phone number which has been on file, and to scan my driver 's license front and back which I did. I read the code back to the male representative upon completion of the process. The phone number XXXX is what LOWES used in this process. 

They went a step further and scanned my face with artificial intelligence without any disclosure or consent on my credit contract to such acts. The purchase was still denied and my account was closed. It appears to be an act of XXXX profiling because the two-step authentification process was sufficient to validate my identity. 

I am further concerned about what are they doing with my facial profile with third parties or selling my facial profile. 

Please investigate accordingly.