davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (NY)

AllianceOne | XXXX AllianceOne Reference : XXXX XXXX is charging me for a device ( XXXX XXXX ) that I've already shipped and been received by XXXX since XX/XX/XXXX. See tracking info below XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has not done their part to scan and mark the item as returned, and has sent me a non-return bill/fee for {$310.00} which has now been transferred over to the debt collection agency ( AllianceOne ). 

During XX/XX/XXXX Customer rep/agent, XXXX ( ID # XXXX ) and her Supervisor XXXX, from XXXX Financial Department have assured me that this will be addressed and it has now been several weeks. And now, a debt collection letter saying that I owe money for a device sent and delivered to them. 

Today, XX/XX/XXXX - I have called XXXX rep/agent XXXX  ( ID # XXXX ) to dispute the case and they have, again, promised that they will do a " research '' and opened a " handset research # XXXX '' for the shipped item and will put the collection on hold. 

XXXX customer support has been untruthful and has failed to deliver on their promise to settle this issue immediately. 

I've attached the shipping label provided by XXXX, proof of delivery from XXXX, along with the bill from XXXX & AllianceOne . 

My Contact number is ( XXXX ) XXXX. Please assist, thank you.
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Westlake Services, LLC (AZ)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (MI)

My loans were switched from XXXX to Mohela in summer/fall XXXX. There was little to no information on the switch to begin with. My payment with XXXX before switching was around {$28.00} per month. I have been paying even during the pause. Once the pause ended and I was switched to Mohela, It stated my payment was going to be over {$500.00}. I recently got married, but do not make much more money than when I began with XXXX. In addition, my husbands student loans are higher than mine and he was able to request a lower payment with XXXX and get it approved right away. I have submitted many requests to lower my payment with Mohela, getting denied the first few times because I did not know I needed to submit paperwork ( you did not have to do this with XXXX and there was an option to opt out with Mohela ). I spoke with someone on the phone after resubmitting again ( in XXXX XXXX ) and they said they can put my loans on hold for a month until a decision was made on a new plan. The deferment did not work and I still have to pay over {$500.00} on this loan with still no answer to my submission in XXXX. I can not afford this payment and do not know what to do as this service provider has been so difficult, I would do anything to switch back to XXXX or have a different plan. I have even tried to submit my name change to Mohela and it still has not been processed for months. Is there anyway to assist with lowering my payment or changing loan providers, this is my last resort. Thank you.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have consistently made timely payments on this account, ensuring they are never overdue. I am puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

This complaint, with the correspondence/affidavit attached, is in regard to the application submitted to American Express on XX/XX/XXXX, Ref : XXXX. The application was denied and an adverse action letter was received on XX/XX/XXXX instantly. 
As you may be aware I, the federally protected consumer, have a right to credit, and withholding my access to my securities is also securities fraud. It also goes against American Express 's FOURTH AMENDED AND RESTATED POOLING AND SERVICING AGREEMENT dated as of XX/XX/XXXX, the Prospectus dated XX/XX/XXXX, the Uniform Consumer Credit Code and the Uniform Commercial Code. An eligible investment has been given and there hasn't been equal consideration.
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

Best Buy Credit Card- Account. 
I went to make my regular monthly payment on the website this XX/XX/2024 and i noticed the balance almost doubled from {$900.00} to {$1700.00}, i thought someone had stolen my identity or my account information but the rep told me that the promotion they had on the item i purchased from them ( tablet ) ( XXXX  months XXXX XXXX had expired. and when i asked how much interest they were charging, they did not say and from {$900.00} balance now it is {$1700.00}. and from a {$29.00} minimum payment, now i had to pay {$160.00}, which i can't afford. I told them please i was not aware of all that increase, i could expect a XXXX XXXX interest on the remaining balance but never the balance will doubled up. Covid came, a lot of financial adjustment. i told them i was willing to pay the balance off as soon as possible. they told me i have been reported to the credit bureau which is true, i need your help. 
i never received any statement, on their portal, they never had an alert about the ending promotion or payment change and even though i am saying i will pay the balance off as soon as possible they refused to assist. 
I am a XXXX mother, a lot of uncertainty after covid, i dont understand what kind of promotion they said they had that now is making me pay the double. unfortunately i can't afford these payments or higher balance. no one notified me and XXXX  months is a long time. i have other cards and i have never experienced this situation or this treatment. Please help,.
Consumer complaint received 2023-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AL)

On XX/XX/XXXX I consolidated my federal loans with MOHELA and applied for SAVE. It is now two months later and my loans have not finished consolidating and I have no idea what my actual payment will be. As of two days ago, I received a statement showing my payment due on the level repayment plan. That is not the plan I applied for. My loans should not be in repayment while a repayment plan application is pending.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I sent XXXX thru XXXX to an unknown person by mistake ... .Seconds after realizing the number was incorrect while transaction was pending I reached out to Chase Bank to help. They opened a claim on XX/XX/2024 for XXXX. On XX/XX/XXXX  I received a letter stating No adjustments will be made because the transaction was sent according to recipients name / number which is inaccurate. My daughter is XXXX her number is not XXXX .. the person who has this number is unknown to me. I would expect Chase to reach out to the persons bank and make them aware this was in error and we are requesting the funds back. I received no help from Chase Claim dept. and treated me as XXXX was only a XXXX. I am very upset at the lack of help and I would like some help resolving this situation. I would like to think my bank would help its customer rather than say sorry your mistake your problem... I reached out to XXXX and XXXX states I have to contact my Bank regarding this situation. I have filed a police report and would like some assistance so I can get my money back. 
Thank you XXXX XXXX Chase Bank customer
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America contacted me today XXXX XXXX XXXX at XXXX XXXX XXXX from XXXX. They informed me that there was an attempt to try to get a credit card in my name through bank of America. The application was denied but i have a hard inquiry on my credit report. I contacted XXXX and let them know my situation they instructed me to contact you guys about this matter. please let me know the next course of action.!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

I am looking at my credit reports and notice a bankruptcy reporting. I sent multiple requests to Lexis Nexis about reporting this information without my consent and in violation of my privacy and they have yet to rectify it. This information is not accurate and has damaged my ability to obtain a home improvement loan for my house. I reached out to the court, whom Lexis Nexis claims is the one reporting it, and they sent me confirmation they do NOT release this sensitive information to anyone.
Consumer complaint received 2023-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I received a copy of my consumer report and found the following items to be in error, inaccurate, invalided and false : I'm a single mother and my consumer report is vital to my lively hood. These inaccurate account are causing me XXXX and stress and its prohibiting me from receive a good good to feed my family. 

1. The following personal information is incorrect Employers : XXXX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete from consumer report 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete from consumer report 4.Inaccurate and false RESIDENCE ON MA Account Number : XXXX Delete from consumer report 5. XXXX Inaccurate and false Account Number : XXXX Delete from consumer report 6. XXXX XXXX  Inaccurate and false Account Number : XXXX Delete from consumer report 7.Inaccurate and false XXXX Account Number : XXXX Delete from consumer report
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: COMMERCE BANK (AR)

See attached letter. Just received the cards, confusing and misleading advertising, thus appears to be fraudulent, thus we cut cards in half and returning to Commerce bank as we received cards today, XXXX. 

We do not want to do business with this entity and will not be a part of this, and do not agree to the disclosures and advised to cancel account forthwith.
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (ID)

Our mortgage was transferred to Roundpoint Mortgage/ payments beginning XX/XX/XXXX. 

When the mortgage was transferred there was a data leak and our savings account information was compromised and money was stolen. 

XXXX XXXX XXXXXXXX recovered the funds through fraud investigation. The savings account was deleted and a new one opened to protect the funds. 

I contacted Roundpoint numerous times to communicate they could not auto withdrawal the account explains the compromise and told them a new account was being established and we were going to set up biweekly payments. 

Roundpoint initiated withdrawal from the account despite being told the account was being deleted and stated we did not have sufficient funds and charged us a fee for returned check. No one from Roundpoint contacted us to inquire why they couldnt draw the payments. 

I sent the paperwork in to estsblish biweekky payments and was told it was all set up but the funds did not come out of the new account. 

I called and was told they could not establish till mortgage was paid 2 months in advance and they asked why we have missed a payment. 

I re explained the compromised account and that we were attempting to establish a new one for biweekly payments. The call taker refused to transfer me to a XXXX or XXXX. After being on hold numerous times I was told our fee had been waived under our 1 time forgiveness because Roundpoint was not the party who made the error. Roundpoint refuses to take responsibility for the data leak that compromised our savings account, attempted to withdrawal funds from a deleted account, and gave me false information about the establishment of our biweekly payments. We should not have to forfeit our 1 time forgiveness on an error made on their behalf. 

The call taker refused to transfer me to an XXXX or XXXX stating numerous time I could not talk to anyone else because there was no one else to talk to. 

Roundpoint says that all calls are recorded and I told her that I wanted the calls pulled and to speak to an XXXX that homeowners shouldnt be punished for these types of problems during a loan transfer. I was told that since my fee had been waived there was now no reason for me to speak to an administration. 

The biggest problem is the data leak. The company needs to be aware our information was compromised in the loan transfer. This is unacceptable treatment of a home owner. I have never missed a payment or been late on mortgage payments.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

So in XXXX I was late due to forgetting my password and not being able to reset cause I didn't have my account number and their automated call system made it impossible aswell. So when I was able to to pay them when I got home from a long trip, I called again and got the late fee dropped, through their automated system again and thought i was all caught up cause i didnt use it all that month. But then when I went to use it in XXXX, the card was shut down. Wasting a trip to the store. Called them while there and spend almost an hour talking with 2 different people. It was a 2 dollar fee that shut me off when I wasn't even 2 months late on that 2 dollars.. they refused to drop the the interest on the late fee and said they couldn't reactivate the card for weeks even if I paid the dollars. So I told them if we can't this solved the way it needs im done paying on either of the accounts I have with them. ( Lowe 's and care credit ) cause I needed a new fridge unexpectedly and my dog needed put down.. the only reason I had a card cause ive been so tired if the credit card companies with their rediculous fees and interest punishments.. they refused to work with me so now I refused to work with them. They are impossible to speak with with all the automation and they should not have a free pass to mess up people 's credit over internal disputes. The people need power to put these companies in check. 2 months of reporting both accounts and dropped my score almost XXXX points. And I need a new roof and other big things to where I might need a stupid loan again. Tired of the debt slavery.. across the board in this country. No reason for it. I'm a combat veteran and constantly getting screwed in this economy due to the fincial tactics and career choice in the metal and construction industry. I should not have to be in debt to build a house ive spent life learning how to do and doing for others! We need change and my reps wan na blow me off recently too. So I've been taxed to and indebted to death with no representation. It's beyond messed up and im beyond XXXX, if you cant tell.
Consumer complaint received 2024-01-19
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: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I was charged thousands of dollars from Wells Fargo for overdraft fees in the past four years. I heard about other banks having to pay back these fees to the customers. didnt know if that something that I qualified for as well.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Type : XXXXXXXX Status : Dismissed Reference # XXXX XXXX Asset Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX XXXX Add a custom Message Type : XXXX Status : Dismissed Reference # : XXXX Asset Amount : Date XXXX XXXX XXXX Closing Date : Liability : Exempt Amount : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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. (MI)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (OR)

Company advertised a XXXX XXXX XXXX XXXX XXXX with a XXXX dollar card credit line once the XXXX dollar fee was paid making the total XXXX XXXX XXXX XXXX. I used up the XXXX without paying the XXXX fee and recently paid off entire card. I was under the assumption that this was a secured credit card by using my XXXX fee which I never met. This is deceptive practices and should stop deceiving customers with this approach
Consumer complaint received 2024-07-22
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681. 

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  The following accounts have violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 605 A Section 2. States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( A ) ( 5 ). States no consumer reporting agency may make any consumer report containing any of the following. Any other adverse items 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 ). States 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.