davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KAHRS LAW OFFICES, PA (MO)

I have contacted Kahrs Law office in regards to a debt that is not owed, and they filed a suit against me. I have even submitted a complaint to my states Attorney General, and submitted a response. I have provided all of my documentation to them via mail, and the attorney general. They are trying to get me to pay the same amount that has been paid twice over. I called XXXX XXXX on XX/XX/XXXX to ask for the pay off amount was told it was XXXX, and paid it that same evening. Then XXXX XXXX withdrew several more payments from my bank account after the debt was paid in full. I disputed each one with my bank, and received my money back. And had to get new debit cards. Then they sent me to a collection company XXXX XXXX XXXX   XXXX XXXX. I requested validation without receiving any correspondence. Disputed with credit bureaus again no response. Sent them bank statement and letters. Again no response. I finally sent a payment through my bank account bill pay on XX/XX/XXXX. Also sent a letter to them stating that I sent a payment also no response. My bill pay with the bank I had at the time did not sent a paper check it was an electronic EFT. Sent a letter to XX/XX/XXXX saying that sent a payment , and again asked for validation with no response or validation received.  Mr. XX/XX/XXXX is trying to sue a person that does not owe a debt.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

This afternoon, I was taken aback to find inaccurate accounts on my credit report with no clue as to why they appeared. I check my report regularly, and this time, these errors seemed to come out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the inaccurate accounts remained. Given this unsettling issue, I am requesting a careful review of the documents Ive submitted so I can have peace of mind moving forward.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MI)

Since Synchrony Bank took over PayPal Credit I have been having a problem with the amount of money they claim I have to pay every month in order to avoid interest on my next statement. 
This is because they refuse to apply my payments to my standard purchases first, but instead apply my payments to my deferred interest promotional purchases first. The only way to have them apply payments to the standard purchases first is to call them EVERY MONTH after I have sent the payment. There is no way to set my account to do this nor is there a way to accomplish this online. I must call customer service and speak with someone after a lengthy wait. 
For example, last month I paid the entire amount I needed to pay plus some to avoid interest charges. 
During this current statement billing cycle I only purchased XXXX $ in standard purchases. My total new purchases on my account amounted to XXXX XXXX This is because XXXX of my purchases are deferred interest if paid within 6 months of purchase. I currently have no deferred interest balances due by XX/XX/XXXX. 
And while I was not charged interest last month because I sent a huge payment covering all they asked for ( XXXX $ ), if I don't send {$420.00} this month I will be billed interest. Even though I only have {$170.00} in new standard purchases and no deferred interest purchase balances are due in XXXX. In essence, I should only have to send {$170.00} in XXXX to cover entirely my standard purchases to avoid interest charges. 
When I called, they explained to me they do not put my payments toward my standard purchases first. They put my payments completely toward the deferred interest balances. Creating a situation where I always have large amounts of standard purchases due every month. Even though I thought I was monitoring my expenditures for the month to create a manageable payment and avoid interest. 
I did not realize that Synchrony Bank is not honoring the system that PayPal used when determining amount needed to avoid interest. PayPal always put the payments toward interest bearing purchases FIRST then toward the deferred interest purchases. 
Further I was under the understanding that during the Obama administration this practice was banned. It is unethical and I am having other problems with the credit cards I have now owned by Synchrony Bank. Unlike the years and years with no issues having these cards before Synchrony Bank.
Consumer complaint received 2023-11-06
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. (GA)

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 purpose.. 

My XXXX XXXX account is reported multiple times on my XXXX credit report please remove immediately My XXXX accounts is reported as late
Consumer complaint received 2023-07-22
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. (TX)

1 reviewed my Consumer Reports and noticed that there was an inaccurate accounts ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have an online banking relationship with Capital One, as a customer with multiple accounts. When using the company 's mobile app to deposit a check, the app requires me to enter the amount on the check being deposited and then to upload a picture of the front of the check and the back showing endorsement. However, on occasions when a is HANDWRITTEN, after the check is processed, the company adds additional cents to the amount cashed and deposited as if the check was written for an higher amount, {$0.00} most recently. 

I closed accounts with Capital One, being offended by this issue, and others. It has happened at least once before previously, approximately in XXXX of 2021, but the account used in now closed and records are not available to me to verify. The amounts have always been less than a dollar, but it would make sense that it could be happening with other customers as well.
Consumer complaint received 2023-07-22
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

Initially, I had opened accounts using my tax id number ( itin ). Later on, I was issues a Social security number ( ssn ) which I have been using to apply for credit cards. This social security number was issued in XX/XX/2020. 

I see all the accounts automatically rollover with other credit bureaus. However, Equifax only has 4 revolving accounts ( one newly added ) on my current credit file. It was changed sometime during last year. 

When I contacted Equifax, instead of merging the accounts, I was asked to contact the individual credit card issuers. They mention that the credit card companies is reporting using the itin instead of ssn which is FALSE. I have applied for multiple cards using my SSN last year which used to show on Equifax credit report but does not show anymore.
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (PR)

I opened a credit card account with American Express. I got the blue Delta Skymiles one. With these points you could not only buy flights and hotels, you had access to the Delta Skymiles Marketplace. This is the reason i got this specific card. I wanted to redeem there. Since XXXX ive been trying to access this website but since then theres a note on the website stating that its under maintenance. On XXXX ( after a month ) i finally decide to call, thinking they had enough time if it was a bug. They share little to no information. Just said that maybe in a month or XXXX it should be back up again. I called back again in XXXX over 3 times and when somebody finally answered there was no new information. On XXXX i called again and there was a recorded message on the call saying that by late summer, it should be back up. I decided to be patient but as soon as XXXX was over i called again. By XXXX nobody had information still. I called again in XXXX and Nothing. Its XXXX now. I did some research and found out that the site has been down since XXXX last year. So it has been almos a full year since this website has been down. At this point, i dont care if i get the points worth in cash or what. But i dont want to loose the points and i have no interest in spending it in an overpriced delta flight.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (TX)

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.

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 cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (PA)

I noticed accounts and inquiries that are inaccurate on my consumer report. Pursuant to : 15 U.S C. 1681 ( a ) ( 3 ) Consumer reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) Consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Company have infringed upon my rights.

Pursuant to : 15 U.S.C 1681 section 602A. States I have the right to privacy. Pursuant to : 15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Further more Company never asked for my permission to furnish or sell my information to a 3rd party debt collector. My right to privacy has been invaded damages have been done. The damages stopped me from traveling to and from work, my mental health causing stress by not being able to provide for my family. I have reached out to company multiple times. Company have removed accounts and put them back on my
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Several months ago, I received a statement from Bank of America for charges and payments to an online company ( can't remember name ). The balance was {$0.00}, but I called to let BoA those were not my charges. I was very skeptical of the phone rep and did not provide any specifics. By the way, I do not have an account with BoA. 
XX/XX/2023 - An email was sent to my husband 's email saying, your new " Bank of America XXXX XXXX Banking '' account is now open. Neither of us applied or opened a new account. 
XX/XX/2023 - I received a BoA debit card in the mail with my name on it. I assume it is linked to the " new '' account we supposedly just opened. I'm trying to contact the bank to cancel the card and find out what I can regarding the mystery account. Very odd that communication is going to my husband 's email, but my name is on the documents. 

Given the recent lawsuit regarding BoA opening accounts without actually notifying individuals, I thought it would be important to report this.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, Please see below and attached. 

There are wrong addresses that are on my file and report that are incorrect and need to be removed immediately. 

Attached are : - complaint letter showing wrong addresses with screen shots on my report - drivers license - social security card - proof of address remove these wrong addresses at once.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Last year ( 2022 ) between XXXX and XXXX Wells Fargo bank charged me XXXX $ of overdraft fees. Some of those fees have been posted 3 times on the same day for XXXX different transactions, XXXX $ each. The same charges have happened many times over the period of 6 months. the total overdraft fee I paid in XXXX was XXXX. 
I called them trying to waive some of the overdraft fees ( since all transactions happened on the same day ) but they refuse to refund me some of the fees. 

The question : is it legal for the bank to charge an overdraft fee 3 times in XXXX day? In my opinion, they should not process the second and third payments if the account is already has charged for overdraft. 

Note : Bank statements ( XXXX and XXXX ) are attached. 

Respectfully.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX I deposited a payroll check into my USAA checking account. USAA cancelled the check as it was written to my business with XXXX notice or opportunity to provide appropriate documentation to show that the check was written to me. USAA has been completely unhelpful in dealing with the fees associated with over draft. They have no failsafes in place to catch issues like this and no available remedies to assist customers in resolving overdraft fees or to stop the excessive fees. The information is buried in terms and conditions and the consumer has no way to know this information.
Consumer complaint received 2023-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

( Issue # 1 ) EdFinancial informed that if I enrolled in XXXX, or XXXX- whatever it's called - that my interest rate would go down by 0.25 %. After doing such enrollment, I did not see I reflected in my account that my interest rate had gone down by 0.25 %. Further, when I called EdFinancial about this today XX/XX/2023, I received a call back from them after a wait of more than an hour, EdFinancial then hung up on me once I mentioned the 0.25 % rate decrease issue. EdFinancial must immediately decrease my interest rate by 0.25 % in both representation and in actually not charging that interest.

( Issue # 2 ) EdFinancial has allowed the Department of Education to receive from me a payment of {$8.00}. EdFinancial is writing or speaking nonsense to me when I bring up this payment. EdFinancial must immediately decrease my loan balance by {$8.00} or write to me a check in the amount of {$8.00}. EdFinancial states the payment of {$8.00} was denied due to insufficient funds and it was because we could not accept the method of payment. However, such funds were not returned to me. As I recall, the company which gave me the account/routing numbers to make a payment via EdFinancial was willing to engage in a 3-way call with EdFinancial to assist EdFinancial in locating my payment. However, EdFinancial was unwilling to engage in this 3-way conversation. EdFinancial was uncommunicative about the matter, suggesting they are being dishonest about the location of my {$8.00}.
Consumer complaint received 2023-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I was seen in an ER XX/XX/XXXX and received hospital bills shortly after my visit which I paid ( even confirmed through my insurance app that all bills were paid ). In XXXX of XXXX, I started to receive an additional bill for {$68.00} from a Physician for that visit. Thinking it was taken care of and the bill was a mistake I did not inquire about the bill until XXXX when I received another notice. I expressed to the company ( with website XXXX  ) my concerns on receiving a bill so long after my services were thought to have been paid. I informed them I would need to get further clarification from my insurance as to why this bill took so long for approval ect. It took longer than anticipated to get information from my insurance. When I went to pay my bill on XX/XX/XXXX I saw it was sent to a collections company HRRG. I called XXXX XXXX pay to paid the bill and expressed my discontent about it being sent to collection when they should have seen in the records that I was in the process of trying to receive additional information. They assured me that my credit would not be affected and that I should not receive any further communication about the bill. A week later I received a phone call from HRRG about the debt and was understandably upset the associate made a note that the debt was paid and told me I would not be contacted again. Today on XX/XX/XXXX I received another call from HRRG. I did not trust the number that called since it was a local number and asked for the company number. I then called the number, ( XXXX ) XXXX, to figure out why I was still being harassed about a bill that I paid on XX/XX/XXXX. The person I spoke with said they saw I had a do not call on my account, but they had no proof the bill was paid and that I needed to provide them proof in writing or call the original company ( XXXX ) to have them remove the bill from collections for them to no longer call me. So, I called the company I paid and they said the bill was paid and to just let the collections company know so they would not call back. I informed them that I had done so and still received a second call.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/XXXXXXXX  Received letter from AmEx dated XX/XX/XXXXXXXX  containing multiple misstatements and raising the possibility of additional charges. 
XX/XX/XXXXXXXX  ( today ) Contacted AmEx ( XXXX ) and reviewed the XX/XX/XXXXXXXX  letter : 1. ) " ... after a recent review, your American Express account ( s ) listed above ( XXXX XXXX XXXX ) have been cancelled. '' This is false. In fact the account should have been XXXX-out and cancelled on XX/XX/XXXX. Eventually, XXXX found the XX/XX/XXXXXXXX  interaction and agreed. 
2. ) " No further charges will be approved. '' " Please contact ... compan [ ies ] [ that ] have any recurring charges on these accounts... to ensure these bills do not go unpaid. '' " ... destroy any Card ( s ) you may have for the account ( s ). '' Believed I had done all of this XX/XX/XXXX. Asked XXXX if there were any additional charges on the account or if somehow the card had been fraudulently used after XX/XX/XXXX. Fortunately, XXXX said, " No. '' 3. ) " We reviewed... information when making this decision ( to cancel the card/account on XX/XX/XXXXXXXX  ), including your history with us. '' Asked XXXX if AmEx had reviewed every transaction/interaction since XXXX. XXXX did not know but suspected that AmEx had not. 
XXXX. ) " We made this decision for the following reason ( s ) : Your account ( s ) with American Express is or was past due. '' This is false. On XX/XX/XXXXXXXX  I consented to AmEx keeping {$21.00} residual Reward Dollars ( RD ) as a Thank You for cancelling the card/account. In XX/XX/XXXXXXXX  AmEx promised to investigate what happened on XX/XX/XXXXXXXX  - AmEx did not. On XX/XX/XXXXXXXX  AmEx owed me {$100.00}. On XX/XX/XXXXXXXX  AmEx owed me {$690.00}. Informed AmEx ( XXXX ) that if this is not resolved an {$11.00} interest/finance fee will be added on XX/XX/XXXXXXXX  and AmEx will owe me {$700.00}. 
5. ) " ... give us a call at the number on the back of your Card. '' How can I do that when I destroyed the Card on XX/XX/XXXX. Able to contact AmEx via phone numbers from previous interactions.