davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WA)

I was told by customer service that I would not be getting overdraft fees anymore and they refunded me XXXX of them but then the next day give me XXXX more overdraft fees when I clearly have no money to cover it, thats absolute theft and lack of sincerity for customers
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (SD)

I have a charged off credit card account from XXXX that was placed with Radius Global for collection. The last letter I received regarding this account is dated XX/XX/XXXX from Radius Global offering a resolution of my account for a total of {$1300.00} split into 12 payments of {$110.00}. I had not received any correspondence regarding the account since that letter so I assumed that my account was still with Radius Global. In XX/XX/XXXX I sent a check for the full settlement amount that was offered along with a letter clearly indicating that I wanted to accept the settlement and have the charge off removed from my account. I was under the assumption that if these conditions were not acceptable then my check would be returned to me. Instead, the check I wrote payable to Radius Global was forwarded to XXXX and applied as a regular payment to my charge-off balance. I received a letter dated XX/XX/XXXX from Radius indicating that my account was no longer being handled by this company and that my payment was forwarded to XXXX. I contacted XXXX and they are refusing to accept the settlement payment I sent Radius as a settlement for my account. The first time I called, I was told that my settlement check was applied as a normal payment and that my account still has a balance due of {$3100.00} and that no settlement offer was available. I called again and was offered a settlement of {$1500.00}. I explained that was not possible and was then offered {$1000.00} which I stated was still not possible. We ended the call and I contacted a local attorney through my legal insurance. The lawyer told me to write a letter to XXXX explaining everything from why I fell behind on my account to the situation with the settlement check. I did that and the letter was sent on XX/XX/XXXX but I have received no response. This is why I decided to file a complaint. I feel like both XXXX and Radius Global misrepresented the handling of my account. Why wasnt I notified by Radius Global that they were no longer handling my account? Why didnt XXXX notify me of this since they are they original creditor? If my account was no longer with Radius then I assumed I would have been notified at the very least by the new company that bought the debt. Was the debt ever sold? Why did XXXX place the debt with Radius and then Radius place it back with XXXX? I have included copies of all of the documents mentioned. Please help me in understanding the answers to my questions.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion has failed to send me proof/verification of the accounts that they are reporting to the credit agencies on my behalf. I have attempted to gain this info from TransUnion and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : 1. XXXX XXXX FOR THE AMOUNT OF {$1600.00} 2. XXXX XXXX FOR THE AMOUNT OF {$470.00} 3. XXXX FOR THE AMOUNT OF {$520.00} XXXX. XXXX XXXX FOR THE AMOUNT OF {$100.00}
Consumer complaint received 2024-06-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

So I make a payment on on XX/XX/XXXX to XXXX XXXX in XXXX California the XXXX office my account is in however they also have it with AWA collections From XXXX to XXXX of XXXX and XXXX to XX/XX/XXXX the balance was {$2400.00} XX/XX/XXXX XXXX XXXX checked my credit it was {$2400.00} I spoke to a representative at Awa collection and she stated my balance was {$2400.00} Representative told me to send the receipt of the payment I claim to make and she gave me a direct line and told me she would call me to remind me to make a payment for the month of XXXX So today XX/XX/XXXX I check my experience to see the balance was XXXX instead of {$2200.00} So $ XXXX XXXX XXXX They couldnt give me answer they told me interested is added but thats a lie because the doctor office stated no interest is added So I want AWA colllection to report my medical bills correctly and stop lying to me They also threatened we can remove the interest that was magicalled added when you said to make unless you pay it right now
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CT)

This is a finance company for XXXX XXXX that sold us solar panels under false pretenses and have now gone out of business. We are now paying for these panel IN ADDITION TO a high electric bill. When applying for the financing they used MY income as it was a much lower amount than my husbands, which makes no sense. We feel due to the current situation this was fraudulent. 
Since this causing a larger financial burden rather than ease we just want the panels off however XXXX XXXX filed bankruptcy. Everything about this transaction is fraudulent
Consumer complaint received 2018-08-09
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: ERC (AR)

There is an account showing on my credit report from a company named XXXX XXXX XXXX XXXX XXXX. ( ERC ) It's showing a past due balance from XXXX for {$150.00}. I've never had an account with XXXX. Someone gained access to my Driver 's License in XXXX. A Validation letter was received from ERC on XX/XX/XXXX from me asking to show proof that it was my account. On XX/XX/XXXX, I received a letter in response to the request including old billing statements. On the billing statements, it shows my name but it shows an address that I've never lived at and it also shows mobile numbers that I've never had. They did not provide any type of contract or signature showing that this is my actual account. The is affecting my credit negatively and they will not remove it. I'm being punished for an account that is not mine. I am not in any way responsible or have any knowledge of this account.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TX)

My store credit card was upgraded and converted to a XXXX without my consent. I received the new XXXX during the summer and, again, without my knowledge or consent, the old store card was canceled and my charges were transferred to the new XXXX. My bank information and recurring payments, however, were not transferred over to the new account. As a result, the balance on the card was not being paid timely. I have now racked up some late fees due to an account conversion that I did not authorize.
Consumer complaint received 2024-06-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc. (PA)

I was contacted about a one-time cash app loan. I gave my info and they asked for my cash app tag. On XX/XX/year>, the company attempted to order a debit card. On XX/XX/year> they debited money out of my account and there was never a loan. I contacted the XXXX  as well as my bank, but my bank XXXX XXXX XXXX has yet to either step in or attempted to get my money back.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (AL)

I asked this company to send me paperwork I signed stated I agreed or gave permission for them to sale my personal information to a third party. I also asked if it was legal to report the same debt on my credit file that they sold to a collection company that is reporting the exact same debt without my consent. I have yet to receive any paperwork from the credit card company or the collection agency.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a Capital One credit card. I was charged a late fee and interest on my account twice. 

On XX/XX/2023, I was charged a late fee of {$29.00} and interest charge of {$27.00}. 
On XX/XX/2023, I was charged a late fee of {$29.00} and interest charge of {$2.00}. I made both payments on the dates they were due. 

For the XX/XX/2023 payment, the due date was XX/XX/2023. I made the payment on that due date at XXXX XXXX. 
For the XX/XX/2023 payment, the due date was XX/XX/2023. I made the payment on that due date at XXXX XXXX. 
The statements and email confirmation showing the exact times I made the payment are attached. 

I spoke to XXXX at the customer service department of Capital One ( she provided me a reference number XXXX ). She said there is a cutoff time of XXXX XXXX XXXX  on the due date for those payments. I was not aware of this cutoff time. I do have other credit cards from other banks, and they would accept an online payment on due date and not charge a late fee no matter what time I make the payment. XXXX refused to refund the fees, arguing that they are valid fees. Other credit companies do refund late fees as a courtesy. XXXX said the XXXX XXXX  deadline is stated in the statements, but I had not noticed that small text in the statement, since I usually make the payment online.

In these two cases, I made the payments on the stated due dates. I was not aware of the cut off times. I was charged large fees for being a few hours late in my payment. The company did not refund the fees. The company 's rules are different than other credit companies and they are set up to maximize the fees they can charge to customers. What is the difference between making a payment at XXXX XXXX  vs XXXX XXXX on a due date. The company does not show the courtesy that other credit companies show when you ask for a refund of their large fees. Out of frustration, I cancelled my card.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX Equifax XXXX XXXX I never apply or do business with this company XXXX XXXX XXXX they report a collection to my credit for {$590.00}. This collection do not belong to me need to be removed from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX I never do business with this company they report a collection from my credit for {$1600.00}. This account do not belong to me need to be removed immediately.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

I demand that the Chex systems people and it's people who they do business with delete all accounts information and data with information regarding me and personal life they have been hindering me and I have not been able to be free and financially stable. 

The information has been very false, misleading and after numerous attempts and given 30days+ I have not received a confirmation request Please delete all information that you have of mines from the Chexs systems and the banking who posted it..
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

There was a transaction XXXX XXXX with PayPal that was sent in error. The intended person has a similar email address to this one I selected by mistake. The name for this transaction/person is ( XXXX XXXX ) , which does not match the email address ( which is very suspicious ) ( I immediately contacted PayPal and my bank ( XXXX XXXX XXXX ) when I realized this person should not get my funds. PayPal needs to refund this money, or I will possibly have to file a complaint in court and have them pay me directly if this unintended party receives these funds. This transaction was done as a ( good and services ) transaction and therefore I should be entitled to a refund. The other party has not responded because he or she knows they are not the intended party for these funds. I don't know this person. Again, a mistake was made and sent to a similar email address of the intended party. It was not done as a family and friends ' transaction. The other party is supposed to show why they are entitled to this money, which they are unable to do. So, PayPal is supposed to return the funds to the person who it belongs to, person that sent it which is me. My bank said they will get in volved if it is necessary. I am unsure how serious this matter will need to be in order for me to get my refund. I don't know if court needs to get involved. with this matter and have a judge decide on the refund process. Thank you
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

On XXXX a letter was sent to all 3 major CRA 's ( XXXX, Equifax, XXXX ) putting them on notice that I have noticed many errors on my credit report. Due to the ignorance of these companies they are in violation of 15 USC 1681 ( a ) which states ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I would like these all the deragotry accounts either fixed or deleted/removed from the consumer report. If not looked into and fixed then escalation to the federal level might need to be visited upon further investigation. These rules are here to protect consumers from deceptive tactics such as these which can lead to life changing events and not for the good should I say ( stress, XXXX XXXX, embarrassment, homelessness, loss of jobs/careers, low self-esteem, divorce, XXXX  ) all of which can be prevented ( at least on your part ) if followed. I would like my conditions to be met which you have received in this complaint, deletions/removals, financial remedies and etc.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

On XXXX a letter was sent to all XXXX major CRA 's ( Experian, XXXX, XXXX ) putting them on notice that I have noticed many errors on my credit report. Due to the ignorance of these companies they are in violation of 15 USC 1681 ( a ) which states ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I would like these all the deragotry accounts either fixed or deleted/removed from the consumer report. If not looked into and fixed then escalation to the federal level might need to be visited upon further investigation. These rules are here to protect consumers from deceptive tactics such as these which can lead to life changing events and not for the good should I say ( stress, mental anguish, embarrassment, homelessness, loss of jobs/careers, low self-esteem, divorce, XXXX  ) all of which can be prevented ( at least on your part ) if followed. I would like my conditions to be met which you have received in this complaint, deletions/removals, financial remedies and etc.
Consumer complaint received 2024-04-18
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. (TX)

TransUnion XXXX XXXX has not done a proper investigation, according to the FCRA 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report. 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. Transunion XXXX XXXX has violated the FCRA 15 US Code 1681e, the right to an accurate credit report. I will be submitting a notice of intent to sue regarding the accounts that Transunion XXXX XXXX maintained under my social security number.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (NY)

Based on my most recent login to my Ally online saving account an XXXXXXXX XXXX account was listed as a Bank that can receive funds from my saving account. I have never had a XXXX XXXX account. 

My savings account funds were at risk of being transferred to this account. I requested that Ally close my savings account and send the funds to my home address on record. Ally could not tell me who had added the bank, when the account would be completely closed or when my funds would be sent.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

Someone XXXX my XXXX account and charged my XXXX credit card for XXXX purchases. The items were delivered to the addresses I had on file within my XXXX account. I returned most of items through usps as refused. Chase card services is refusing the dispute and XXXX will not unlock my account or help me at all. I have {$2800.00} in credit card charges that were not authorized.
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (NV)

I received an email from Equifax and they provided the following results : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX I contacted the creditors myself ( XXXX XXXX XXXX XXXX  ) and they stated that the company does not have my information in their system. With this information, I came to a conclusion that Equifax did not conduct a thorough investigation etc. I am frustrated that this inquiry still remains open and on my credit report.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

They refuse to delete address that are incorrect. I have submitted several complaints. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have attached a copy of my id with my current address.
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I have funds put on hold in my PayPal account for almost a month. I've called their customer support and messaged them ( see the screen shots ) multiple times to release the funds. They mention that its an internal issue, but without any updates or explanation of when the funds will be released. 

The funds will be put on hold for almost a month now without any information or updates on when the funds will be released or when this issue will be addressed.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (WI)

Im being charged {$2800.00} from a collection company called NATIONAL CREDIT SYSTEMS. I do not know why I have a collection with them. I asked them to send me the original contract so I can understand where this debt comes from but when I try, they ignore me and verify my debt without giving me my request. This collection debt is on my experian and XXXX credit report.