davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

I had to change my payment date due to a sudden increase in the payment amount. When I checked the portal, my credit line had decreased, and the monthly payment had increased. 

I did not receive a notification of this change. I tried calling on XX/XX/2024, once I noticed the change. The representative who received the call was not helpful. In short, they told me my promotion had ended, and that's why I was being charged. I was trying to explain that I did not receive a notice, but they seemed annoyed and rudely said, " Anything else? No? Okay, bye. '' I tried calling again and was unable to get a hold of anyone. I reached out to the chat and asked to cancel the late fee that I noticed they added. It's extremely difficult to get a hold of a representative, and the notifications provided by our " XXXX XXXX experts '' have not been helpful regarding my account. 

It's not fair that I made some payments to lower my amount, and without notice, they decreased the credit limit and increased my monthly payments and interest. This is not acceptable.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Verisk Analytics Inc (TX)

I understand that it is my right to obtain a copy of my Verisk XXXX XXXX report, under the Fair Credit Reporting Act. I am requesting a copy of my Verisk XXXX XXXX report sent to me via mail.
Consumer complaint received 2023-10-30
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-30
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have received XXXX different egift cards from AMEX from work over the past year. The first XXXX worked and I was able to use it to buy things on XXXX. The XXXX others are not working on any site. Upon calling customer service they said to continue to try different vendors and that it will eventually work. Never worked and over XXXX dollars is sitting between XXXX cards rendered useless.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

PLEASE REMOVE ALL OF THE INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT. THE INFORMATION LISTED ON THIS DOCUMENMT IS NOT MINE AND NEED TO BE CORRECTED. THIS IS A RESULT OF IDENTITY THEFT. 
US CODE 1681 E- COMPLIANCE PROCEDURES B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

On XX/XX/2024, I made a payment to Mohela for my student loans. I paid the required {$230.00} and received confirmation on XX/XX/2024. They pulled the {$230.00} out of my bank account on XX/XX/2024. The money has not been applied to my account on Mohela for some reason, even though I no longer have the money in my bank account. I called Mohela on XX/XX/2024 to see what the issue was. They said that they were able to see that there was payment made, however, it was not applied to my account and they were unsure why. They said this payment wasn't showing up as a pending payment and that they weren't sure what was going on. They said they were going to review my account, however, I have not heard anything back from them yet about what is going on. This is an issue I would like to have addressed to avoid any negative consequences that could come. Mohela and the US Department of Education are already emailing me saying I am delinquent, however I am certainly not because the payment was made.