davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I contacted customer service to figure out how to setup recurring credit card payments at a fixed amount to pay off the balance. I was told they no longer off this service. I feel that this is a predatory lending practice to remove features that limit the borrower 's options to repay the debit.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (VA)

I want to start by reporting that I noticed a significant pattern of increased interest on my account. I called Synchrony because I noticed this pattern. I was told that my interest rate increased from XXXX % to XXXX %, unbeknownst to me. I did not receive any correspondence from XXXX about an increase in interest but I did receive a letter about a reduction in my credit line- go figure. I was told by XXXX and XXXX ( account XXXX ) that my account accrued over {$4900.00} in interest fees due to an expired promotion that ended in XX/XX/XXXX. In XX/XX/XXXX, I paid over {$1100.00} due to an expired promotion, and over {$600.00} in interest was reduced. I asked the account XXXX how Synchrony could accommodate their loyal customers. I was offered a " customer assistance plan '' which required the closure of my account ; and a " settlement offer plan '' which also resulted in the closure of my account. This is not the initial reason for calling in ( closure of my account ) ; yet, I was immediately offered this service and was belittled. The issue is not a repayment issue but the price gouging and insane interest on my account. The XXXX was very condescending. I am appalled by Synchrony 's inability to resolve this issue, even though I have been with them since XXXX. My goal is not to close my account ; rather, to reduce my interest fees. Deferred interest is a debt builder, and has always been an issue for consumers. The Consumer Financial Protection Bureau ( CFPB ) talks extensively about deferred interest on medical expenses and the amount of misleading information and burden to the consumer is astounding. Synchrony 's mission is to, and I quote from their website : " Creating financial and technology solutions to move our customers and partners toward their goals, on their terms. '' Their mission is dubious at best and seems to apply more towards their partners versus their customers. 

A complaint was filed with the XXXX  in XX/XX/XXXX with no resolution.
Consumer complaint received 2024-08-28
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

Lease is ending and I wanted to buy the vehicle; was told that in Florida and North Carolina you must go thru the dealerships. None of the dealers would allow me to buy the car for the lease buy-out that is contractual ; they wanted to charge market price for the car. They required me to pay an extra {$3500.00} on a {$20000.00} buy out. I have a contract to buy for {$20000.00} but no dealership will honor and you can't buy directly from XXXX. 

THIS IS A CONSUMER FRAUD AT THE HIGHEST LEVEL.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (NY)

Discover Card says that if I make XXXX ontime payments on my secured card, that my account will automatically be reviewed for a possible Account Graduation to Unsecured status and my refund will be returned. I made XXXX consecutive ontime payments from XX/XX/year> - XX/XX/year>. I then reached out after the XXXX payment. I was not given the Graduation. They told me after XXXX more ontime payments I would get the Graduation. I made XXXX more ontime payments from XXXX XX/XX/year>, and reached out again. The customer service representatives don't know when I will have the automatic review for possible graduation to unsecured status. They don't have answers for me.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

XXXX XXXXXXXX XXXX I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter back stating, " They do not report any bankruptcies to anybody ''. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or form a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to : 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. According to : 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 2023-06-09
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 (CA)

My PayPal Credit account, run by Synchrony Bank, has the Autopay feature turned on, meaning that they automatically withdraw funds from my checking account each month to pay off a portion of my monthly bill. This year, they deducted {$120.00} on XXXX, {$120.00} on XXXX and {$170.00} on XXXX from my checking. Last XXXX and this month ( XXXX ), my auto-payments were returned due to lack of funds in my checking, for which I am charged a {$27.00} return check fee. 

My PayPal Credit account has been closed this whole time, and I am actively working with a lawyer to complete a bankruptcy filing. Since XXXX, I have wanted to turn off this Autopay because I need to save my money to pay for regular monthly bills. However, my personal PayPal account is currently locked because of a separate issue of an overdraft on the account causing a negative balance.

Paypal is refusing to unlock my account until I pay off the debt from my negative balance, which I can not afford at this time. However, since my PayPal Credit account is managed in the same Paypal dashboard, this lock has meant I can not turn off or modify my Credit AutoPay in any way for six months now.
Consumer complaint received 2021-10-15
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have fraud on my account somebody tried to open an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me to file report with you and I can only dispute it by mail by sending printout from your website after filing with you. XXXX does not allow me to file online and they are only open till XXXX.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance XXXX {$420.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Consumer complaint received 2024-08-28
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Stride Funding, Inc. (CA)

On XX/XX/XXXX, I received a notice from Stride Funding that they needed official documentation to assess my current income. In that notice, they stated that I can mail them a copy of my XXXX XXXX XXXX XXXX, so I printed out a copy and mailed it to the address as requested. However, when I logged into my account on XX/XX/XXXX, I noticed that my income was incorrectly listed as {$95000.00}. I sent them a message through their online portal to let them know that this was incorrect. However, the very next day on XX/XX/XXXX, I received a billing notice for a monthly payment based on that incorrectly listed income. I called them on XX/XX/XXXX to get this corrected and spoke to a representative, who told me that they had no documents on file for me ( although I had mailed them a month prior ) and that since I emailed them a document, it would take 10 business days to process this income update request. However, in case things are not updated in time, if I did not pay the billed amount, I would be charged a late fee of {$25.00}. I told her that I did not think this was fair, and it didn't seem legal for them to falsely report an incorrect income amount on my account. She stated that my contract states that this default amount would be listed in absence of income information ( which was not true- I checked all the documents of my XXXX agreement and that amount was nowhere stated. The representative also acknowledged later that she did not see that amount stated on my XXXX agreement as well ) and that they state {$95000.00} for all of their clients under this specific loan that do not provide income information. I asked to speak with her manager, but as it was the end of the day, she said none was available. I asked if she could send a message to her manager on my behalf and ask for a callback, to which she said she could, but there was no guarantee that the managers would call me back. According to her, she had messaged managers before and they usually don't call back or will say the same information that she provided. This feels negligent on the part of Stride Funding, and I wonder if this is mishandling my contract as well.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2023-09-15
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. (TX)

In good faith, I have been attempting to correct my consumer report. I have tried on several occasions to address the incorrect reporting on my consumer report with Experian. Experian has validated the following accounts on my consumer report as accurate, Experian has failing to prove that these accounts are accurate and verifiable, as these same accounts all show inaccuracies across all 3 credit reporting agencies. 

The inaccurate and unverifiable accounts are as follows XXXX XXXX XXXX XXXX XXXX  [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXXXXXX [ Never provided proof of verification ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXX XXXX XXXX  [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXX XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXXXXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX  : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXXXXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] National Credit Adjust : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXX XXXXXXXX [ Date Opened, and Last Active is inconsistent across XXXX reporting agencies ] XXXX XXXX XXXX XXXXXXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] According to this law below, inaccurate or unverifiable information should be deleted from my consumer report : 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-09-15
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. (WA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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 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 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I applied for a CAPITOL ONE credit card. I was issued a denial on XX/XX/2023. CAPITOL ONE stated they denied me based off of non-consented information on my consumer credit report. 

On XX/XX/2023 CAPITOL ONE was in receipt of MY notice not to deny me MY RIGHT to credit. I also informed CAPITOL ONEs CFO that my application was a transferable security and any use of my personal non public information such as my Social Security Number attached to my application, is unauthorized use if CAPITOL ONE denied me my rights. The CFO was also put on Notice that I may make application for such amounts of credit thus applied for and in exchange, CAPITOL ONE would be compensated by the Federal Reserve dollar for dollar in return for my collateral security via certified mail : XXXX On XX/XX/2023 CAPITOL ONE notified me by Mail that CAPITOL ONE will remain willfully noncompliant to my request & decided to continue in denying me my right to credit. This action tells me that CAPITOL ONE does not abide by The Equal Credit Opportunity Act which prohibits creditors from discriminating against credit applicants on the basis of protected categories. This means that creditors can not refuse to give me credit, discourage you from applying for credit, or give me less favorable terms on a credit account because I exercised any of my credit rights. I am to be given an equal access to credit, regardless of my protected characteristics, because I applied in good faith and to better my personal, family, & households situations.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I got scammed for every penny I had! USAA is closing my account of 20 years because I fell for a spoof scam from their number. I am ruined, my savings everything is gone!! USAA was like well nothing we can do and we are closing your account for getting scammed!! XXXX XXXX  and I this is how they treat vets!! Someone opened accounts in Florida and drained checking and savings ... XXXX plus. 

Proven identity theft
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (PA)

This is a follow-up to complaint XXXX, regarding the interest charge by Goldman Sachs Bank USA XXXX XX/XX/year>, for a payment decline which is unjustified. This complaint was closed at the request of the company without further cross examination. 

I found the company 's response on XX/XX/year> to be inaccurate and incomplete. I made the payment of {$2800.00} on XX/XX/year>, not XX/XX/year>, as stated in their response. And the interest amount of {$69.00} never appeared on the XXXX XXXX when I paid the balance. Additionally, I contacted my financial institution, Marcus by Goldman Sachs, on XX/XX/year>, and spoke with XXXX, who confirmed that there was no payment decline on XX/XX/year> and that there was no activity on my account between XX/XX/XXXX and XX/XX/XXXX when the payment was finally processed. 

If the payment had been declined on XX/XX/XXXX as indicated, there would be a record of that decline in my savings account 's history, which is not the case. I am also attaching the screenshot that show the funds were available on XX/XX/year> when I made the payment. 

Given this information, I am submitting this follow-up complaint and expect Goldman Sachs Bank USA to ensure accurate information and issue a refund.
Consumer complaint received 2023-09-19
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. (NC)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance XXXX {$420.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

# # # Record of Interactions with TransUnion - XX/XX/XXXX2024 ( All times are XXXX XXXX XXXX, all calls were made from phone number associated with financial accounts ) XXXX. XXXX AM - Outgoing Call to TransUnion XXXX XXXX ) ** - Duration : XXXX minutes XXXX seconds - Actions : Provided social security number, address number, and zip code. 
- Outcome : Call was disconnected. 
XXXX. XXXX AM - Outgoing Call to TransUnion XXXX XXXX ) ** - Duration : XXXX seconds - Actions : Provided zip code. 
- Outcome : Call was disconnected. 
XXXX. XXXX XXXX - Outgoing Call to TransUnion XXXX XXXX XXXX** - Duration : XXXX minutes XXXX seconds - Actions : Provided personal information. 
- Outcome : Automated recording instructed to visit the website, then call was disconnected. 
XXXX. XXXX XXXX - Attempted Online Account Recovery via TransUnion XXXX - Actions : - Provided social security number and email associated with TransUnion account ( last used in XXXX ). 
- Result : Received an error message. 
- Retried using phone number, but encountered another error. 
- Followed a link on the TransUnion site that directed to a defunct XXXX XXXX XXXX XXXX. 
- Discovered another consumer affected by similar issues : [ XXXX  : XXXX ] ( XXXX : XXXX ). 
- XXXX XXXX @ TransUnion on XXXX ; received automated replies directing to the TransUnion social media contact form. 
XXXX. XXXX XXXX - Submitted XXXX XXXX XXXX XXXX via TransUnion XXXX - Actions : Filled out the [ form ] ( XXXX XXXX XXXX XXXX ) and later replied to the automated bot from @ TransUnion on XXXX. 
XXXX. XXXX XXXX - Attempted to Create a New TransUnion Account via XXXX - Actions : - Attempted to create a new account. 
- Result : Received an error message stating that an account already existed. 
XXXX. XXXX AM - Attempted to Recover TransUnion Account Using Advanced Recovery Options** - Actions : - Provided additional information including social security number. 
- Result : Received an error message.