davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2024 someone hacked into my account and transferred all money from my savings account to my checkings account tried to XXXX themselves but it bounced back and they went another route which was load the money on to my cash app which is linked to my bank account and took all my money XXXX The 1st transaction was for XXXX Then they went back 2nd transaction was for XXXX And the 3rd transaction for for XXXX and the 4th was for another XXXX which in total came out to XXXX I dont know who these people are i dont know who would have access to my account my phone was stole and all of my information was in the phone Ive filed a complaint to Captial one XXXX  time they have denied my claim and just have given me the run around on these XXXX occasions this is the XXXX time this has happen to me with banking with capital one Ive went XXXX the bank Ive spoke with people over the phone this has been going on for 4 weeks now.
Consumer complaint received 2024-06-05
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

A formal complaint was filed with Consumer Finance ( # XXXX ) against Synchrony Bank regarding issues with transactions and a loss of payment amounting to {$500.00}. On XX/XX/XXXX, an additional payment of {$400.00} was made, yet this transaction was also marked as late, despite being paid early, resulting in the imposition of late fees. Although Synchrony Bank corrected the accounts, they subsequently reduced our credit limit in retaliation and are attempting to close the account. 

I have made multiple inquiries to understand their business practices. We have consistently made substantial payments to the account, often before the due date. I communicated to a Synchrony representative that the frequent changes in due dates create difficulties in posting payments on time and result in irregular late fees. If this is their standard administrative practice, the collection of late fees from customers would be disproportionately high. For instance, a customer might expect their payment due date to be the XXXX of the month, but Synchrony could change it to the XXXX, leading to a late charge. 

I believe these business practices are unethical. Therefore, I am requesting that Synchrony Bank restore my credit limit to the original {$2000.00}, as we have never been late on this account, and ensure the account is in good standing.
Consumer complaint received 2023-06-03
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. (TX)

I did not open these two accounts. I have been XXXX  from XXXX until XXXX XXXX, XXXX and need to get these two XXXX  accounts removed from my credit report. I have been released to the XXXX XXXX under the COVID cares Act as of XX/XX/XXXX, until XXXX and want this completed prior to being released. 

I have sent proof of FTC Theft report, XXXX  and XXXX  information and want this deleted from my credit report as I did not open these accounts. Please remove this incorrect information from my credit report. Thank you
Consumer complaint received 2023-10-07
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. (AZ)

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX 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 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-05
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (WI)

Received Change in Terms Notice from Synchrony/JCPenney store card rates are being increased to 34.99 % APR. 

Closed account. Bog banks are at it again, passing on higher costs to consumer. 

JC Penney lost a customer today. Shame on this increase for people with exceptional credit.
Consumer complaint received 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

I'd like to report the unethical practice of preventing borrowers to send in payments in order to charge extra interest or fees from consumers. 

My XXXX vendor offered XXXX  months interest free installment payments serviced by Service Finance Company. I tried to create online account on their website multiple times at at multiple days to send in payments, each time the web says : " We are unable to validate the provided information at this time, please try again later. If this error continues, contact support. '' I called the support phone line asked for help, the support person said I have to wait for a " welcome package '' in order to create online account to start sending in payments. They already sent the package to me but will send it again because I called. I said I'd like to start paying the first installment payment because in case the package is delayed, I don't want to be liable for extra penalties or interests. She told me she can't give me the physical address for sending in payments and I have to wait for the " welcome package '' which will take a few days. I waited and waited and the package never arrive. 

All the email sent by this company has " Donot-reply '' as part of the email address, I couldn't get the physical address to send the payments in any email. I googled and was surprised to find out the company routinely use various tactics to prevent consumers from making payments in order to charge extra high interests. Similar experience was reported by others on XXXX, XXXX and similar consumer platforms. 

I go really worried I am getting scammed and determined to send in payments. Through the power of XXXX, I finally found the company 's headquarter office address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I scheduled an online payment at my bank within XXXX  days of the completion of the XXXX job which is when the first payment is due. The copy of my bank bill pay receipt is available for review. 

Even though my bank sent in the check to the headquarter office address on XXXX XXXX  2024 and today is XXXX XXXX 2024. I still haven't received any email or paper mail communications form the Service Finance Company to confirm the check was received and where to send in future payments.
Consumer complaint received 2024-06-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (MD)

For switching carriers from XXXX to XXXX, I was promised XXXX {$250.00} AMEX prepaid cards. I have so far received XXXX of the cards ( was told the other XXXX are in transit ) but NONE of the cards work! I was told at time of switching by the XXXX representative in XXXX  that the cards could be used to pay off the XXXX balance I would have for switching. However, the cards do not work! I have checked the balance and all XXXX have {$250.00} each but the card declines on every site I try to use it. It says on the card it is accepted everywhere AMEX is and after verifying that all the sites take AMEX, the cards still declined! I am currently out of {$1200.00} ( with {$500.00} more en route ) that I cant access so I have a XXXX balance AND a new XXXX bill. I feel scammed and att was no help with saying try another site, which I did to no avail. Trying another site is NOT the solution when the cards are supposed to work anywhere that accepts AMEX!
Consumer complaint received 2024-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have multiple hard inquiries on my report that hasnt yet been verified by the credit bureaus as requested several times through multiple phone calls and certified verification letters. Ive recently sent off another letter on XX/XX/24 still no response. Transunion
Consumer complaint received 2024-07-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX I sent an email to the CEO of Bank of America requesting the removal of a negative item from my credit profile being reported to the credit bureaus by Bank of America. Shortly after I received a phone from a company representative and on that phone call I request proof of signed documents pertaining to the account in question. Bank of America has failed to provide those documents in a timely manner and I question if they even exist. Which is why I demand the account be permanently deleted from my credit profile. 

15 U.S Code 1666b timing of payments 15 U.S Code 1681i procedure in case of disputed accuracy
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-08-07
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: General Motors Financial Company, Inc. (MN)

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, GM FINANCIAL XXXX : XX/XX/XXXX, XXXX  XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to file a formal complaint against XXXX XXXX  and XXXX XXXX, Bank of America regarding the misuse of my credit report, which violates federal laws and my consumer rights. I want to emphasize that I have already opted out previously from having my information reported, yet XXXX XXXX  and XXXX XXXX, Bank of America disregarded this opt-out and unlawfully reported information on my credit report, which is a clear violation of federal law and my rights. Furthermore, pursuant to 15 USC 1681 ( b ), which outlines permissible purposes for obtaining a consumer 's credit report, XXXX XXXX  and XXXX XXXX, Bank of America did not obtain my written consent to furnish any information on my credit report, nor did they provide me with the option to opt out. This is a direct violation of my rights under this federal law. Their actions also violate the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies and certain other organizations. By unlawfully reporting my information without my consent and ignoring my opt-out request, XXXX XXXX  and XXXX XXXX XXXX Bank of America have XXXX upon my privacy rights. Moreover, it is unlawful to report transaction history on a credit report without proper authorization, as stated in 16 CFR 313.7. This regulation prohibits the disclosure of sensitive personal information without the consumer 's consent, further highlighting the severity of these violations. Additionally, 16 CFR 433.2, which addresses the preservation of consumer claims and defenses, is relevant in this context. This regulation ensures that consumers have the ability to assert their rights and defenses, including the right to dispute inaccurate or unauthorized information on their credit reports. I demand that XXXX XXXX  and XXXX XXXX, Bank of America immediately remove the inaccurate reporting from my credit report and update it to reflect that the debt is paid in full. Furthermore, I demand that they provide the following documents : the account ledger, forward flow agreement, and chain of title. Failure to provide these documents would indicate that they can not prove that anything is owed at all. Moreover, I want to highlight that XXXX XXXX  and XXXX XXXX, Bank of America have committed identity theft by mishandling my social security number, which is a serious violation of my privacy and security. Neither XXXX XXXX  XXXX XXXX, Bank of America, has the right to use the non-mailable addresses they have on file, and all communication must only be through the Consumer Financial Protection Bureau ( CFPB ). Failure to comply with these demands may result in further legal action. I expect immediate action to rectify these violations and ensure that my consumer rights are upheld in the future.
Consumer complaint received 2024-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-25
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: SYNCHRONY FINANCIAL (NV)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc. (GA)

in accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and removed from my credit report. It is my understanding that you will conduct a verification process with the creditor responsible for posting this information. I kindly ask you to delete any data that the creditor fails to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. According to the act, I should not incur any charges for this updated report. Additionally, I request that you notify anyone who has obtained my credit report within the past six months about the corrections made. 

Thank you for your attention and assistance regarding this matter.
Consumer complaint received 2024-05-09
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-05-24
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: SYNCHRONY FINANCIAL (NY)

I am writing to formally dispute several unauthorized inquiries and the reappearance of older reports on my credit history. On reviewing my credit report dated [ XXXX ], I found the following unauthorized inquiries : Additionally, I have noticed the reappearance of older reports, which are over ten years old, as follows : These inaccuracies were not authorized by me and have negatively impacted my credit score. Despite multiple attempts to resolve these issues, I have not received a satisfactory resolution.

I request that you : 1. Investigate the unauthorized inquiries and the old reports.

2. Remove these inaccuracies from my credit report.

3. Confirm in writing that the items have been removed.

4. Ensure that such unauthorized access does not occur in the future.

Please consider this email a formal dispute under the Fair Credit Reporting Act ( FCRA ). I expect a resolution within the 30-day timeframe mandated by the FCRA.

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fair Capital (TX)

I received a letter from Fair Capital XXXX  a debt collector stating that I owed {$740.00} as of XX/XX/2024 for an Account with XXXX XXXX. Upon receiving this letter I contacted my attorney XXXX XXXX XXXXXXXX, and they sent a cease-and-desist letter dated XX/XX/2024, through usps mail. Along with the letter it had my XXXX bank statement showing that I had paid the account and monies owed, and that the amount they were trying to collect was invalid. The usps tracking information showed that Fair Capital XXXX had moved or left the address. On XX/XX/2024, I received an email from XXXX XXXX  stating I had a collection reported through XXXX from Fair Capital XXXX of a debt collection. I researched the information on XXXX XXXX  and found a collection in the amount of {$1400.00}. I do not have an outstanding balance and I do not owe any monies. I have attached my bank statement that shows when I paid XXXX XXXX and the XXXX XXXXXXXX XXXX XXXX account showing XXXX monies owed. Additionally, Fair Capital XXXX provided a invalid mailing address. My XXXX  was removed from XXXX XXXX due to discrimination on XX/XX/2024. We were never outstanding on any balances, and I am presenting the attached records. Thank you
Consumer complaint received 2024-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (AL)

I have an account with XXXX XXXX  by Synchrony Bank from where I did a loan with them through XXXX  for an XXXX  treatment plan. My dentist instructed me to cease using the plan therefore resulting in a refund to be issued by Synchrony Bank per XXXX. The amount of the refund is {$260.00}. The bank mailed a check for the refund in XXXX without verifying the address on file with me therefore resulting in a stop payment being issued. I then gave them the corrected address and they mailed out another check in XXXX which never got to me. I called and complained again at the end of XXXX and they still have yet to mail me out another check for my refund. They refuse to give me any tracking number to monitor the checks transit. They stated they only use USPS and refuse to overnight it via another carrier. This has been going on since XX/XX/2024. I have still yet to receive my refund and they are offering no solution other than to keep mailing checks and hoping it gets to me vie USPS with no way to track it.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX. Acct # XXXX {$570.00} I have sent this company a debt validation letter twice and to date they have never responded. 

XXXX XXXX XXXX. Acct # XXXX I have sent this company a debt validation letter twice and to date they have never responded
Consumer complaint received 2024-05-30
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: Mr. Cooper Group Inc. (CT)

I am the XXXX for my sister 's XXXX. I sold her property on XX/XX/XXXX. The mortgage company cashed my check on XX/XX/XXXX. My lawyer paid the amount provided by the mortgage company. After the fact, the company added fees. It did not and to this day, has not contacted my lawyer to alert them to this. I tried for XXXX months to get permission to discuss this loan. I sent paperwork XXXX times, including the will, XXXX XXXX, my fiduciary certificate and admittance to probate. Every tine I tried to talk to them they said I didn't qualify, and I sent the same paperwork again. Finally, on XX/XX/XXXX, an agent put me on the account. She said she used a lifeline like on who wants to be a millionaire. I did not provide any additional paperwork for her to do this, which means they had the proper paperwork the entire time and did not add me. It was not until this time, XXXX months after I sent the correct payoff, and they cashed it, that I was informed that IT was not enough. They told me I now owed over XXXX dollars in interest and fees, even though this was all their fault. I sent in XXXX on XX/XX/XXXX and the loan was finally paid off. It was paid off effective XX/XX/XXXX and I still have not received a payoff statement, a payoff letter, an escrow statement or a check for escrow overage. I have disputed the amount charged for extra interest and legal fees and have not heard back. Please find attached all of my paperwork supporting my claim. I have tried to call them numerous times in the last month, and they only have an automated system with no option of speaking to a live person. They cut me off. This is the worst company I have ever dealt with and what they are doing is illegal and unethical. Please help me obtain my refunds. Thank you very much.