davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

Account with Lowes Synchrony total balance owed of XXXX was paid online XX/XX/XXXX and minimum of {$30.00} due by XX/XX/XXXX. My bank XXXX notified me that XXXX identical payments from Lowes synchrony were hitting my account on XX/XX/XXXX early am. I called credit card services and they saw my payment of XX/XX/XXXX and a duplicate payment XX/XX/XXXX that I did not make. They couldnt help me with that erroneous duplicate payment so suggested I contact my bank. XXXX suggested a stop payment on XXXX and waived the {$36.00} fee. Friday I called synchrony and both payments were stopped. Called XXXX and they apologized for their mistake and suggested we cancel the stop payment since its only able to be done on an amount and both were the same. Also I transferred another XXXX into this account since its not my primary checking account and I dont leave much of a balance. The next week lowes synchrony showed I owed XXXX the original amount and a late charge. I paid both immediately. The next day they closed my account because of two returned payments. I called customer service and XXXX said if XXXX would fax a letter stating they told me they could stop payment on one item and not the other erroneously they would reinstate my account. I went into my bank branch and they dont fax but ran the problem up to corporate. I received a call from XXXX corporate asking how they could make it right and offered to do a XXXX way call. XXXX wont call me back to do that. Every time I call I have to go over all this again. I want to add 2 things 1 ) if I did make a duplicate payment on Tuesday XX/XX/XXXX after making XXXX on XX/XX/XXXX why did they both hit my bank on am XX/XX/XXXX and not a day apart. XXXX explained that by saying the Monday XX/XX/XXXX payment must have been made after midnight. Thats impossible I never ever stay up after XXXX and bill pay during the day XXXX ) I tried to pay my XXXX and XXXX XXXX XXXX cards the exact amount and was given a pop up asking if I meant to make a duplicate payment. Does Lowes synchrony do this? Cant check because my account is closed. Ive never ever had a returned payment in this or any other payments ever!!!!!
Consumer complaint received 2024-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC (OH)

Subject : Formal Complaint Against Predatory Lending Practices Dear Sir/Madam, I am writing to file a formal complaint against predatory lending practices I experienced during the purchase of my car, financed through Flagship Credit Acceptance. The dealership, XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX, OH presented the loan payments as bi-weekly payments to showcase a lower payment compared to my current car payment. However, these bi-weekly payments effectively doubled my monthly payment. 

At the time of purchase, my current car was nearly paid off and in good condition. The dealership doubled my interest rate and added every possible extended warranty and maintenance program to the loan. They assured me that I would be able to refinance the loan within six months, a promise that has proven to be false. 

Currently, my loan carries an interest rate of 20 %, resulting in a high monthly payment of {$1200.00}, in addition to {$150.00} for car insurance. A significant portion of these payments is applied towards interest, making it difficult to make any substantial progress on the principal balance. As a result, the car 's current value is approximately {$26000.00}, while the loan payoff amount stands at {$46000.00}. 

This significant disparity between the car 's value and the loan payoff amount has left me unable to refinance the loan, as no other lender is willing to assume the current payoff amount from Flagship. Given these circumstances, I am finding it increasingly challenging to keep the account current and maintain my financial obligations. 

I am requesting a reduction in the interest rate to a more reasonable level, which would allow me to make consistent and affordable monthly payments towards the principal, ultimately enabling me to pay off the loan. Or that the dealership, buy back the car. Additionally, I would like to discuss the possibility of establishing a more manageable payment arrangement that reflects the current market value of the car and my ability to pay. 

I believe that the practices employed by the dealership and Flagship are unfair and deceptive, and I am seeking your assistance in resolving this matter. Thank you for your attention to this serious issue.
Consumer complaint received 2024-06-10
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

A collection was placed on my credit report by Jefferson Capital for a XXXX account that was opened in XX/XX/XXXX for XXXX. I have not had XXXX in over 8 years account was closed in XXXX and phone was returned. The company asked me to pay {$1.00} for a check of the account and could not tell me exact amount nor the date the account was opened. Reps were very rude and demanded I pay {$1.00} for information. This company is a scam and reported an XXXX XXXX XXXX account for an insane amount.
Consumer complaint received 2024-06-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AL)

I sent question via the chat option to Navient in XXXX of XXXX. Some of my original loans started with a XXXX percent apr and now the apr exceeds 10 %. I have paid back almost 3 times what I borrowed. This is unfair. I was told originally that my loan would be for 10 years. I have been paying on it since XXXX and I still owe over XXXX when I only borrowed XXXX.
Consumer complaint received 2024-06-15
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. (TX)

I am a victim of XXXX XXXX, under the Debt Bondage Repair Act. I am writing to request The following accounts reported with Transunion, XXXX and experience be blocked from reporting. 

XXXX XXXX XXXX ; Acct : XXXX XXXX XXXX  ; Acct : XXXX XXXX XXXX XXXX  ; Acct : XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX ; Acct : XXXX XXXX ; Acct : XXXX XXXX XXXX  ; Acct : XXXX
Consumer complaint received 2024-06-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (MO)

On Thursday, XX/XX/year> around XXXX I made a purchase at XXXX XXXX XXXX XXXX Missouri XXXX in the beauty/cosmetics section. I asked the person at checkout ( XXXX ) to look up my JCPenney store card to put the purchase on it. She proceeds to tell me that my card is expired and that she needs to update my information. I specifically said this is only updating my information, correct? I do not want to apply for a new card. I said this 3 times to confirm that I was not applying for a new card and she reassured me this was just updating my old account and card ( my XXXX XXXX XXXX son was standing there and heard the whole conversation ). I am currently in the process of applying for a mortgage loan and do NOT want any more inquiries made to my credit report. I am very disappointed and aggravated that this girl did in fact apply me for a new credit card WITHOUT my consent and lied about doing so. I called the JCPenney Credit Card Customer Service line to which a lady named XXXX ( around XXXX once I received an Email notification that I had a new credit inquiry to my credit report ) said she put in a request to take the inquiry off my credit report. I also called and spoke to the XXXX of the XXXX XXXX in XXXX, MO to inform her of what happened. She said she would speak to the associate ( XXXX ) and all her associates to make sure that does not happen again. I do not want this affecting my XXXX XXXX.
Consumer complaint received 2024-06-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Greetings, I had an issue with XXXX as my account is new and I deposited a XXXX checks under my moms name. My girlfriend did the same for me a while back, so I thought there was no problem. My account had been on hold for a few days now and I was just able to call since there business hours are office hours. When I called I explained to them at XXXX that it was my mothers checks and she gave me authorization to do so. They still canceled my bank account and told me to call them back in a week to see if my money can be withdrawn or they will keep it.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AXOS FINANCIAL, INC. (DC)

On XX/XX/year>, a check ( # XXXX ) was expected to be received by the payee. As of today, the payee has not received the check, suggesting it may be lost. I contacted UFB Direct on XX/XX/year>, at approximately XXXX XXXX XXXX, speaking with an agent from my personal cell phone ( XXXX ) for about 32 minutes. The agent assured me that a case would be opened on my behalf and that I would be able to view the case details in my UFB Direct secure message center. 

Despite this assurance, I have not received any updates or case information in my secure message center. I followed up with a written message on UFB Direct 's Message Center on XX/XX/year>, at XXXXXXXX XXXX, providing all relevant details and requesting confirmation of the case opening and an update on the status of the missing check. Additionally, I provided a further clarification at XXXX PM. The case number provided was XXXX. As of today, I have not received any response from UFB Direct. 

I called UFB Direct again on XX/XX/year>, at XXXX XXXX XXXX from my personal cell phone ( XXXX ) for about 16 minutes. The agent, who appeared to be from an overseas call center, put me on hold multiple times and presented an empty promisesimilar to the previously broken onethat someone would get back to me via the secure message center. These calls have been made to UFB Direct 's customer service line at XXXX. 

Relevant laws and regulations : Uniform Commercial Code ( UCC ) 4-403 : Provides the customer with the right to issue a stop payment order. While I have not issued a stop payment order yet, this statute underscores the bank 's obligation to act on customer instructions regarding check processing. 
Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693f : While primarily for electronic transfers, it outlines error resolution procedures which can be analogously applied. 
CFPBs Authority : The CFPB oversees and enforces compliance with federal consumer financial laws, ensuring financial institutions manage consumer complaints effectively and transparently.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (FL)

I have been trying to obtain a copy of my Lexis Nexis Consumer Report for the last year. My auto insurer is using this report to determine my rate and I am concerned it contains inaccurate information. 

I first contacted Lexis Nexis to request my report in XX/XX/XXXX via their website. I received a letter dated XX/XX/XXXX stating they could not verify my identity and couldnt provide a copy of my report. I called their customer service line and validated my identity with a representative including providing them with my drivers license and social security number. I was told to expect a copy of my report in the mail. Instead, I received another letter saying I could not be validated on XX/XX/XXXX. I made several more requests to lexis nexis for my consumer report and received letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating they couldnt provide my report due to not validating my identity. I called after each letter and repeated the process of validating myself. I also tried requesting they email me the me a copy of the report. They sent me two emails, one on XX/XX/XXXX and another on XX/XX/XXXX with links to obtain my report which did not work. 

I tried requesting the consumer report from my auto insurer, XXXX XXXX, and they said they are unable to provide me a copy.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America took {$3700.00} cents off my bank account on XX/XX/year>, they never notified me about my bank account been garnished, the funds were sent to the XXXX XXXX XXXX department, after that I got mail saying they I had a hearing on XX/XX/year>, I had to fill out a claim of exemption, I went to court and the other party didnt show up, the judge granted my claim of exemption, I have a paper signed by the judge they says Im supposed to get a refund from the sheriffs department, Ive made multiple calls to the sheriffs department and they have told me that they sent the funds back to Bank of America so Im tired of calling back and forth Bank of America tells me I have to call the sheriffs department and the sheriffs department tells me I have to call Bank of America I dont know what to do anymore hopefully I can get helped.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (CA)

Hunter Warfield accessed my credit report without my permission, multiple times XXXX - XX/XX/year>, severely damaging my reputation and my credit worthiness resulting in the denial of credit and housing. I verbally gave them cease and desist on XX/XX/year> - ( which I have a recording of ) that they blatantly ignored by continuing to put C for collection on my credit report every month in attempts to coerce me into paying them. I sent a notice of dispute on XX/XX/XXXX, they ignored that. I sent a second notice of dispute with green receipt tracking from the first notice as well as an affidavit of truth, and a cease and desist with consumer specific instructions that has been ignored as well.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00}
Consumer complaint received 2024-05-02
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)

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 XXXXXXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 c
ause to believe that the information is inaccurate.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am filing this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2024 Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report. 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NJ)

I took out 2 loans to pay for graduate school with Mohela. I received one of the loans for my first semester. However, I withdrew from the school my second semester and the money from the second loan was never dispersed to me or my school. 

Both loans are showing up on my credit report showing that I still owe the full amount. 

I reached out to Mohela about this issue and was on the phone for over an hour and re-directed to 3 different representatives. I was told in order to remove this loan from my account I would have to contact the US Department of Education. 

I filed a case about this with studentaid.gov and was told in order to fix this, I would need to contact my loan servicer, Mohela. 

It seems that neither Mohela or the financial aid office is willing to help remove this charge, even though I have clear proof from my college 's financial office that the loan was never dispersed to them for the second semester.
Consumer complaint received 2023-04-28
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)

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. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance : {$59.00}
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Maynard Nexsen PC (SC)

I XXXX being age of majority. I dont have no knowledge of who this company is. I dont have no contracts with them. Theyre committing identity theft, I havent given them expressed writing or implied consent to used the named estate and didnt authorize them to have the named estate private information.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (IN)

I received a telephone call from a New York area code. The number was XXXX stating that someone from Texas had tried to apply for a Citi Bank credit card in my name using my Social Security number. I told them that I had not applied for a credit card and they then told me that they would connect me with the CFPB. I hung up beofe I was connected.