davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NJ)

I responded to a solicitation from Paypal to get a Paypal credit card through Synchrony Bank. It has a {$10000.00} credit limit. On XX/XX/2023 I paid the bill from them for {$8400.00}. The money was immediately taken from my checking account. While looking up something about the account, I noticed my credit limit now appears to be about {$1500.00} rather than {$10000.00}. The customer service rep explained " Because you made a large payment, the account is frozen until XX/XX/XXXX. We want to make sure we get the payment. '' I see multiple problems with this situation : 1. I was not given any notice they were freezing the account. I did not know not to use the account. 
2. This appears to be a penalty for paying the bill promptly, rather than accruing interest charges. 
3. They had the money on XX/XX/XXXX. How can they restrict my credit card use until XX/XX/XXXX? 
4. There is something very wrong about discouraging people from paying their bills. 
5. I had planned to pay a large bill online with this credit. Had I done so, it would have been declined and I would have suffered serious penalties for not paying on time
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: 90 Day Credit Experts (FL)

I paid this company for a guarantee XXXX points in 90 days over 3 bureaus. I never had a person working on my account the same each time. The first guy sent the letters to remove things off my credit report and put a block on my social. Thats was the extent of what they did. So I asked to cancel. They tried to make every excuse why not to cancel but yet I never got a 60 day or 90 day update they just sent me a text who the new person was that month. A man named XXXX XXXX called me and told me he was working with 90 day credit experts and they agreed to cancel my contract if I paid a fee in which I did. I also received an email from him telling me my contract was cancelled and the account removed from my credit report. That was XX/XX/XXXX. Today I received a text from a collection agency telling me 90 day credit experts gave my account to them. I called and told them I was told my contract was cancelled after paying the fee and sent them the email. Then reached out to XXXX XXXX and he told me the same my contract was cancelled. The manager at XXXX named XXXX called me back and told me that my contract was never cancelled with 90 day credit experts that it was only cancelled with denefits who apparently are the people that take the payments. I called XXXX back again and he told me that is not the case but then his tune got a little different not really telling me what I paid to cancel. He is still sticking with the story its cancelled. 90 day credit experts.
Consumer complaint received 2023-02-17
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: Spring Oaks Capital, LLC (CA)

I disputed this information with the credit bureaus and they have yet to remove these unauthorized accounts from my report. Ive never authorized any of these accounts with these companies. I dont have a relationship with these companies. Please remove these accounts from my credit report, they arent mines.
Consumer complaint received 2015-03-20
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (CA)

I went to the shop called XXXX on XXXX XXXX to get my car fixed, it was on XX/XX/2015.The owner put me on a plan called flexpay plus, after taking me {$200.00} cash only, no receipt was given, for me it was red light.then the rest was supposed to be pay within 90 days or by refinance with high interest,XXXX weeks after i scheduled to pay off the loan within 90 days, they called me and said that they made mistake on the amount that i own them that it should be higher, i said ok, then i have chosen to pay them one time payment in my convenience day but before 90days expired, they did not like it and they start those abuses listed at the bottom 1-They call me all the time. 
2-when they call me and i pick up the phone, there is nobody to talk with me, i listen the music and the voice of lady talking until it tell me press 1 to leave a message and we will call you back 3-they harass me all the time 4-their practices are just illegal Starting i thought i was dealing with XXXX then i found myself dealing with montereyfinancial only few days after signing the contract with XXXX
Consumer complaint received 2023-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

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

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 U.S. Code 1681a - Definitions ; rules of construction Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (PA)

There is a difference between the amount that I got in the new loan and what was paid in the second company. 

I had a balance of {$22.00} XXXX with Ally my first lender. 

My second lander XXXX paid to Ally on the XX/XX/24 the total of {$22.00} XXXX Difference = {$590.00} There is a balance there that it counts on my second lender, but it was not owed on Ally. 

It was clear, and I was not informed how the difference occur and how it will be paid back to me or deducted from my second loan.
Consumer complaint received 2023-08-22
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. (TX)

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 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.
Consumer complaint received 2023-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

I have a spousal consolidation FFEL through Navient with my husband as the co-signer. We opened account in XXXX, still married, and have been paying every bill until we were granted administrative forbearance in XX/XX/XXXX while we wait for Federal Student Aid to implement a way for us to separate our loans. Our forbearance has been extended 2 times, 60-days, and will come to an end soon. In our case, we have both worked at US public higher education institutions since XXXX, and we qualify for PSLF under the limited waiver that ended XX/XX/XXXX. We have submitted what we had to by the waiver deadline, and other have confirmation from Federal Student Aid that they have received what we needed to submit to them. 

In XX/XX/XXXX Federal Student Aid announced that the procedures regarding separating spousal loans will not be put into place until end of XXXX, and loan holders are encouraged to contact their servicer to obtain forbearances. Navient apparently created a company-wide policy for not allowing administrative forbearances for FFEL joint consolidation holder because Navient is waiting for a direct communication from Federal Student Aid. On the phone and through chat communications ( on XX/XX/XXXX ), Navient would not tell me what form of communication they are waiting to receive from Federal Student Aid, and when I asked whether they need communication regarding my account or a general communication they told me general communication. I have attached the chat transcript. 

I filed a complaint with the Federal Student Aid Ombudsman 's Office on XX/XX/XXXX, and they have already closed my case without communicating with me an outcome ( Feedback Case # XXXX ). I called FSA ombuds and they told me that my name is now on a special list, and that the information on https : //studentaid.gov/announcements-events/joint-consolidation-loans is the direct communication to loan servicers. 

It seems conversations between Navient and FSA are going into a never ending cycle, and as a consumer we are caught in the middle with the least power to move things in a manner to be treated fairly.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

I was scammed on XXXX. So I did dispute the transaction first, and then after a few months chase charged me again. So I call them back to ask them whats going on. They told me that the scammer has provide the document to them saying that they did ship it out or something defer. Even till now I did not receive my expensive camera : ) and one of the claim team named XXXX told to me rudely saying that they are not customer service, and asking me not to call them call XXXX. Its third party teacsction. After a weeks, I call them. They say they already close the case. They are definitely waste my time! And helping scammer in the US to grow stronger. As you can see a single pic without investigate can took your 300 away. Most awful customer service and investigate team ever!
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Unauthorized inquiries have appeared on my credit report this morning without explanation. I routinely check my credit report, but this time there were unexpected discrepancies. Refreshing my browser didn't fix the issue. Please review the documents I've sent thoroughly to resolve this so I can have peace of mind.
Consumer complaint received 2023-06-12
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. (AZ)

I recently discovered that a credit card account was opened under my name without my authorization, and I believe I have become a victim of identity theft. 

The unauthorized credit card account was opened on XX/XX/2019 and I have attached any supporting documents I possess to substantiate my claim. The account details, including the card number, account holder 's name, and any other relevant information, were obtained fraudulently. As a victim of this crime, I am deeply concerned about the potential negative impact on my credit history and overall financial well-being. 

I have taken immediate steps to mitigate the damages caused by this incident. Firstly, I have contacted the credit reporting agencies, namely XXXX, XXXX, and TransUnion, to place a fraud alert on my credit report. 

I kindly request your full cooperation and support in investigating this matter promptly. I would appreciate if you could initiate an immediate investigation into the unauthorized credit card account opened in my name. I understand that it might take some time to resolve this issue completely, but I trust in your expertise and commitment to ensuring a fair and just resolution. 

I am prepared to provide any further documentation or evidence that may aid in your investigation. Please inform me of any additional information or steps required from my end to proceed with the resolution process effectively. 

Furthermore, I kindly request that you remove the unauthorized credit card account immediately to prevent further fraudulent activity and to protect both myself and your institution from any financial liabilities associated with this incident. 

I emphasize the urgency of addressing this matter promptly, as the longer it remains unresolved, the greater the potential harm to my personal and financial well-being. I am hopeful that, with your assistance and expertise, we can swiftly resolve this case and ensure that justice is served.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

XX/XX/XXXX XXXXi the amount of {$220.00} for XXXX XXXX which i didnt sign up for IWAS TOLD I WOULD GET A REFUND BUT STILL HAVE NOT I called numours rimea about it but nevef resebed anytging This is through Chime
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-06-12
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. (MI)

I appreciate your time to remove some of the information in my file that resulted from alleged identity theft but I have ITEMS left that need to be removed or blocked. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. These are the items that need attention in my credit report : XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance XXXX {$15000.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$1800.00}, XXXX  XXXX Balance XXXX {$3900.00}, XXXX XXXX XXXX XXXX Balance : {$6800.00}
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (AL)

In XX/XX/2023 I emailed Ally Bank, regarding my auto loan, asking for my payoff amount on my auto loan. Their customer service agents are bullies on the phone and not to be trusted. 
I received a letter, in the mail, from Ally dated XXXX XXXX, 2023. It gave me a payoff amount and further stated that it should be paid on or before XXXX XXXX, 2023. I paid this amount, in full, as instructed on XX/XX/2023. 
So I receive another letter from Ally dated XXXX XXXX, 2023. It states that I still owe on this loan account. 
Isn't the amount given in the first letter binding? Please see attachments below.
Consumer complaint received 2023-06-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Omni Financial Corp. (FL)

On XX/XX/2022 I purchased a XXXX XXXX XXXX XXXXXXXX from XXXX of XXXX XXXX which was originally listed for XXXX XXXX $ but verbally agreed to a discounted price of XXXX XXXX with me than went to speak sales supervisor on the in the front desk dishonestly added multiples unsolicited premium services to the contract than disguise by pretending to help me by signing the contract him self under the pretext that the sales XXXX was going to to explain the contract me when no such explanation was given. It's until XXXX weeks later when the bank statement came I found out that I was scam by the dealer rich out to them, the bank and even XXXX headquarters with all third party XXXX that this is between me and the dealership since all dealerships are independent entity 's while the dealership is gaslighting me with Statements like is that your signature, nobody put a XXXX on your head an made you sign. I have been taking action every since but their is not enough profit in the case to get a lawyer interested and not enough obvious resources to force XXXX of XXXX XXXX or other parties evolved to even investigate the incident meanwhile my credit has already been affected, I am being bombarded with threatening phones calls like this is a final action of collection before there's lawyers involve my vehicle has been reposes despite all my contest an during XXXX XXXX I had even got hospitalized in XXXX XXXX XXXX XXXX XXXX emergency center because I fell while at work and was diagnosed to have probably been cause by the immense amount of stress that I was dealing with at the time. In conclusion all I wish for is to have an investigation conducted on the day manor of which the vehicle that me and XXXX of XXXX XXXX sales man had agreed upon for XXXX XXXX $ end up on contract of XXXX XXXX Dollars loans. Thanks in advance for your time and effort on the matter.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-06-12
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX  XXXX Balance Owed : {$3500.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Consumer complaint received 2023-06-12
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. (FL)

After acquiring a copy of my credit report, I made a distressing discovery : I have become a victim of identity theft. Given that I am currently in the process of purchasing a home for my family, this revelation has filled me with horror and concern. The repercussions of this fraudulent act have had a detrimental impact on my financial well-being. Therefore, I kindly request your immediate assistance in removing these fraudulent accounts from my credit report. Please see attached for additional documents
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (TN)

There actually wasnt the correct scenario that I could find but this one was the closest. Back in XXXX of XXXX I had to have some teeth removed. It was an emergency as the XXXX was going into my bloodstream. I went to XXXX XXXX which had a credit program I was provided for the amount of the service which was XXXX. I was approved for a XXXX credit limit but opted to use only what was needed. After that I kinda fell behind as you know Covid was surging, I am a single mom of kids so whenever one would get sick I had ti miss work etc. So, then account hit my credit. At that time I was struggling to make ends meet however, trying ti keep my credit up at the same time because it was the only thing I could rely on if need be. So I reached out to them to begin making payments. So around XXXX of XXXX I reached out to them the amount was XXXX and asked if they could remove two late fees, they did and it took my amount down to XXXX. At that time I begin making payments at XXXX. Making my payments and the amount is going down. I was making extra XXXX payments as well to get my balance down quicker. I have receipts and everything of these transactions. Then one day I look and see the balance is higher then it should be so I contact them and spoke to them, spoke to three different managers at this point that assured me they would take care of it give them a week so I did and nothing. I called back speak to another manager she digs in to my account and says well this doesnt make sense I cant see where this charge is coming from because you are making your payments as well as extra payments. Still didnt fix it, so I made another payment at the XXXX plus my extra XXXX. Then the next bill comes out and my amount due is significantly higher is like XXXX dollars and Im like no way, what is going on so I reach out to them yet again. Nobody can find whats wrong, they say give them a week and they will call me back for them to investigate. They told me not to pay for the month of XXXX so I didnt and then the next payment would be due in XXXX. XXXX rolls around with this high payment due of XXXX and they tell me its because of two of the first payments I missed. I told them they couldnt do that because the original amount that was due when it first hit my credit was the XXXX and when they took the late fees away it went down to XXXX something and I begin making my payments from there and that was the agreement. All of their calls are recorded and I do not think it is fair because can go back and add payments AFTER we have made a agreement. I need help because this is affecting my life, my credit everything. Please help.