davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (VA)

Klarna Dispute Resolutions I have waited patiently for someone to take this case seriously. XXXX 's Order no : XXXX. I have provided documents receipts from XXXX showing that I paid {$620.00} for a 30 in Smooth Surface Convection Oven on XX/XX/XXXX on the one time card ending in XXXX. Order number XXXX, invoice XXXX. Yes, I did enter the amount XXXX however your website assure customers if your purchase is for a lower amount on the one time card. No worries- youll only be billed for what you end up using. Payments will be automatically updated 14 days after purchase to reflect the amount spent on Klarna one-time card. 

Well in my case that did not accorded, I am still being billed for the full amount. Yes, my payment is on pause until this can be dissolved. I have provided the telephone number to XXXX and I also provided names of supervisors that helped me with the ordeal at XXXX. 


I dont have a problem paying however I only want to pay for want I spent a Lowes on this One time purchase, The receipts are very clear of the payment and its taken a whole month. Agents are asking me to contact XXXX. This isnt a XXXX problem, this is a Klarna glitch in the system and no one is helping with this case.I want to make sure that my Creditor XXXX XXXX XXXX XXXX, UT is paid in a timely manner. 


This ordeal started on XX/XX/XXXX with XXXX XXXX ending in XXXX {$840.00} on a Klarna one time card. Stove arrived damaged on Thursday, XX/XX/XXXX and I called XXXX to get the 25 % discount on the damaged item. XXXX refund XXXX ending in XXXX {$840.00}. So I had to reissue another card Loan ID : XXXX which the Klarna system refused to process saying payment was too small of a payment. I canceled this card immediately. That is when I placed the third one time payment for {$880.00} card ending in XXXX to pay XXXX for this item ( stove ). This whole process has been a nightmare. If you review all the details, XXXX starting XX/XX/XXXX. Maybe this could help the process. 

If you need to call XXXX please call them at which I provided the number that is on the receipt. If you need to address me please call me at XXXX. Emails are not good for me because I dont see the email until two days afterwards.

I have also included 20 pages from XXXX and with all details on this case. 

The payment was placed on pause while they looked over the information I provided several times, I have address agent XXXX and XXXX through email only, with no success. 

I received a email today they are adding an additional charge for outstanding balance on this order is {$880.00} including interest of {$7.00}. Which this payment is on pause how are you charging interest. 




Thank you
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Well a couple of months ago synchrony Bank issued a CareCredit for a dental work and I was approved instantly for a {$2000.00} credit limit I had made a couple of payments in the same month and for this reason on my next payment date I didn't make a payment since I had made one earlier the prior month so synchrony Bank said that I missed a payment which I didn't I had just paid a few weeks early and they said that when that happens they apply all payment 's made in a billing cycle it counts as one payment and I said well I am not aware of your in-house policies so they took off the late charge and the Miss payment charge and brought my account current however they lowered my credit limit to {$1000.00} which had me over my credit limit which made my credit score go down once it was established that synchrony Bank had made a mistake they corrected what was wrong on my credit report but they did not raise my credit limit back to XXXX  so the lower credit limit affected my credit score negatively. I only think it's fair since I didn't make a late payment or miss payment which synchronize Bank letter stated as to why they chose to lower my credit they should raise my credit limit back to XXXX
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OK)

I got the credit card and paid more than the bill every month on auto pay. I have their app and they said they sent a letter and I did not respond but I didn't receive a letter. I pay every month and the account was closed.
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (MS)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( 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 - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist bank, has flagged my account for fraud but never notified me. It turns out they froze/locked my account since XXXX XXXX when I had a deposit made in a local branch. I called the branch for an unrelated issue on XXXX XXXX and was not made aware. I called on XXXX XXXX, after noticing I could not log into my account on the mobile app or via the website when attempted to check if a mortgage payment I scheduled was debited. They finally decided to inform me that my account was locked out. I can't access my money, and they can't tell me when a " fraud '' investigation will be completed or when they will restore access. At no point was I notified or requested for information to assist in restoring access to my money or my account. When asked, they did not provide details on what the resolution process looks like going forward. I have money in the account that I need for bills, food, and anything else that I can not use.
Consumer complaint received 2022-10-17
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. (FL)

I am a victim of identity theft : XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. I am urgently demanding that the reporting of this information be blocked and deleted immediately. I further affirm that my request to block and delete this erroneous information is NOT being made in error ; nor is my request to block and/or delete this information being made on the basis of a material misrepresentation of fact by me relevant to any transaction by me as the consumer.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXX  inquired on the XX/XX/XXXX ; XXXX XXXX  inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX and there is XXXX inquired on XX/XX/XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

When ordering from XXXXXXXX XXXX, I was offered a coupon in app for grocery delivery. With the coupon the order total came to {$80.00}. I payed via XXXX XXXX, and was charged {$80.00}. Hours later later I was charged an additional {$34.00}. Upon checking the app I saw that the total had been changed from {$80.00} to {$110.00}. The coupon has also magically disappeared from the order. I contacted XXXX several times about the coupon and they said they couldnt help me without a screenshot of the coupon. But since the coupon had been used it had been removed from my promotions section of the app. They said they couldnt find the coupon even though I had originally been charged the right price. In the next few days the {$34.00} fell off my account and the {$80.00} charge was changed to XXXX. I continued to contact XXXX for weeks after and even filed a XXXX report. After they failed to assist me I filed a chargeback for the difference of the charge. 

Almost two months after filing the dispute with Capital One, they email me telling me that my claim was denied. I provided all the valid information in the case that I could. I tried to handle the issue numerous times with XXXX and then was forced to notify the Capital One. Capital One did not make a fair decision based on the information given and has defrauded me of my money.
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one has frozen my 2 credit card accounts over the last 30 days ( XX/XX/2019 ) requesting documents about the authorized users on my account and requesting documents about myself. 

They claim they must verify that the Authorized Users are " real '' people and that I actually know these people. They claim that they must also verify my identity and make sure I allowed these people onto my account as authorized users. 

I've provided all the documentation they've requested ( copy of ss card and ID ) for each Authorized User. I've also included my own ss card, ID, bank statements, and phone bill, to prove my identity and current mailing address, yet they refuse to release my account. 

They claim that the copies I've provided of social security cards and driver 's licenses are not good enough ( when indeed they are perfectly legible ). They said they do not want copies, scanned, or faxed versions, they want picture / text message versions of these sensitive documents, which I feel is a security risk. 

I asked if I can provide additional documentation such as passports, w-2 's, or any other supporting documentation to prove their identity. They said no, they will not accept any other documents and they will not accept any other format ( copies, faxes, scanned ). 

They said if I can not provide the documents in the exact format they request they will send my account to inactive status which I feel could potentially hurt my scores and hurt my ability to get credit and financing as I am currently looking to purchase a home. 

I receive their calls while at work and this has pulled me away from being able to work due to the time it's taken to go out of my way to fulfill their unreasonable requests. 

This has caused stress, taken me away from work, and has caused me to be afraid for my high credit scores to drop and hurt my ability to purchase a home. 

I currently use these cards for business and having these accounts frozen has also hurt my ability to continue running my business efficiently.
Consumer complaint received 2022-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC. (MI)

I had a loan with Ally lending I wished to pay off. I called to inquire about a pay off amt to which refused to give me. I told the financial person at my credit union so she attempted to get the pay off amt, only to be refused. She then calculated a pay off amt from a monthly statement and sent that to Ally lending. Ally confirmed receipt of the pay off, but claimed I still owed them {$380.00}. I called Ally and told them I did not owe them any money because they refused to give both me and the lady from the XXXX XXXX a true pay off amt. Ally then continued to send me monthly statements for the amt but was adding on all sorts of charges. They also sent this to a collection agency. This it in a very abbreviated statement.
Consumer complaint received 2019-12-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I currently have a private Navient Loan. The loan started with a balance of XXXX and even paying it up to now it has gone to close to 40k. I have been trying to make payments that I can afford to pay and they just want to keep on putting me on forbiddance because they want me to make high payments over {$400.00} per month and the interest to grow more. I have said no to forbiddance and there one year repayment that lowers down the payment for one year and the following it goes double plus all the interest grown. Not only did the school closed at the end of our term but failed to issue our diplomas. Which I have complaint for years as well. The school was kitchen academy in XXXX Ca. I contacted navient back in XXXX of this year and reached out to different people including supervisors requesting a settlement for the original amount to pay off and they declined it. They said they can do only 90 % of the current amount. I have tried to negotiate with them several times in different ways but it's has made me feel more like they just want to hurt me than help me. Last time I spoke to them I told them I gave up. They can't lower my payments nor settle then there was nothing I could do anymore. Now they harrassed me and even contact family members and up to calling my job asking for me. This situation has gotten too far. I have a federal loan that I have been paying and have never have had issues with it but Navient who used to be Sallie Mae just wants to turn you down to increase their loan amount therefore you will never finish paying them.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX ( XXXX XXXX XXXX ), the company which performs servicing duties for my XXXX XXXXXXXX XXXX XXXX XXXX  XXXX account stating that their company was the target of a cybersecurity incident which ultimately compromised the personal information of their customers. Oddly, the XX/XX/XXXX email contained no details about how consumers information was impacted or how this breach affected the operation of their systems. 

On XX/XX/XXXX, another email communication was shared stating that their servicing website and phone systems were restored. It stated that consumers will not incur any fees, penalties, or negative credit reporting related to late payments as they worked to resolve their issues. I attempted to make a payment twice in XXXX ; once on XX/XX/XXXX which was unsuccessful due to the website experiencing issues, and again on XX/XX/XXXX which was successful. 

On XX/XX/XXXX, I submitted another payment via the website for {$3800.00}. I did not see a deduction from my account after two weeks and consequently, called XXXX to inquire. They stated that they could not see a payment on their end and advised that I resubmit. Given that it was the end of the month ( XX/XX/XXXX ), I asked if I would be subject to late fees and have my account reported due to this issue, however they said there was nothing that could be done on their end as reporting is automatically triggered to each credit bureau at the 30-day mark. I resubmitted my payment in XX/XX/XXXX and it ultimately cleared on XX/XX/XXXX. 

I received notification from XXXX XXXX on XX/XX/XXXX that my Transunion report was updated with the XXXX late payment from XXXX XXXX XXXX. As a result, both my payment history metrics and my score have been negatively affected. It is unclear whether the website payment platform issues experienced in both XXXX and XXXX are connected to the breach. 

My desired outcome is to have the late payment removed from all three credit bureaus and have a correction submitted via eOSCAR. My account was current prior to the XXXX issue as were all my payments thereafter ( XXXX - now ). 

Ive included supported documentation and can be reached at the contact information above if any additional information is needed.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft and Im have problema recieving any kinda of benefits because of fraudulent people who redirected my mail and duplicated my accounts and cant verify my identity have left me homeless and with no money. I can never get approved for anything. I have benefits on prepaid card XXXX cant seem to get to. Investments like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX had closed out my accounts. XXXX, XXXX, XXXX, XXXX down to my imcome taxes from XXXX. I have recieved absolutely nothing and need to know what's happen to everyting I applied for
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent letters out in XX/XX/2023, XX/XX/2023, and sent more letters to the credit bureaus on XX/XX/2023 I am contacting you because of a on going problem with inaccurate information reporting to my credit report and its putting me in financial harm! I filed complaints with yall also and nothing happen, I am demanding these items be removed from my credit report ASAP!
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, ACCOUNT # XXXX, has 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 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft : XXXX XXXX  has fraudulent accounts on my credit profile that need to be removed immediately. I am urgently demanding that the reporting of this information be blocked and deleted immediately. I further affirm that my request to block and delete this erroneous information is NOT being made in error ; nor is my request to block and/or delete this information being made on the basis of a material misrepresentation of fact by me relevant to any transaction by me as the consumer.
Consumer complaint received 2023-02-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

Back in XX/XX/2022 XXXX Bank issued a XXXX for accounts XXXX # XXXX and XXXX # XXXX as settlement for two alleged debts. I have submitted that 1099C to the IRS on my 2022 taxes because these alleged debts are now considered income. I notified your company and requested that you remove these XXXX Bank accounts from my credit report as they are now considered income, and by the IRS, and your own company rules, should no longer be on my credit report. Nevertheless at the time of me filing this complaint you have still not removed these accounts and are still reporting them as unsettled debts. Both XXXX XXXX have removed these accounts from their credit reports, with only your firm continuing to report this matter.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (TX)

I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry. These inquires do not have any accounts attached to them on my credit report.