davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (MD)

I made an addition payment of {$140.00} on XX/XX/year> to XXXX for Mastercard ( Continental Finance ). 

I received verbal & email confirmation that my referenced bank account will be debited on XX/XX/year> in the amount of {$140.00}. 

My statement closed on XX/XX/year> and did not reflect said payment resulting in an incorrect balance /statement balance. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ).
Consumer complaint received 2024-03-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I got a notice about my Synchrony Lowe 's Credit Card, with my monthly statement this month, that said " Starting within the next 60 days, a {$1.00} paper statement fee will be charged to your account each month you are sent a paper billing statement with a balance greater than {$2.00} ( even if one is also provided to you in electronic form ). You can avoid this fee if you set up paperless statements and are sent your statement only in electronic form. '' My question is this : How is that legal? Doesn't that violate the Card Act? 

The Card Act says that consumers must have access to their statements, and those statements must show their interest rate and how long it will take to pay off their statement paying only the minimum monthly payment. If I log into my online portal through my Synchrony Lowe 's Credit Card the Account summary only shows my balance. It does NOT show my interest or how long it will take me to pay off my card. In order to get to my online statement I have to click in several places to even see that. And I know my login and have a computer. What about someone who isn't computer literate or who doesn't have a computer? Are they even able to get to their statement online? What about through their app? Can you even see a statement through their app? 

Postage, paper and an envelop do not cost {$1.00}. A regular stamp costs around {$0.00} right now, and paper if bought it bulk- which I assume Synchrony does, costs less than a XXXX a page ( {$0.00} ). 

This to me seems like a way for Synchrony to be less transparent with consumers, more predatory and give consumers less information and fewer rights.
Consumer complaint received 2023-10-01
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: EQUIFAX, INC. (TX)

These are Inquiries that Im disputing below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have reached out to each company and i was told to file a identity theft report and to call each bureau and notify them about the situation which Ive done already
Consumer complaint received 2024-03-04
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (IL)

On XX/XX/2024, I purchased the XXXX XXXX XXXXXXXX for the amount of {$190.00} and on XXXX XXXX XXXX XXXX I purchased the XXXX XXXX XXXXXXXX XXXX for the amount of {$450.00}. I returned the merchandise, and my account was credited but when I received my building statement that was still showing as a purchase and wants me to make payments on return merchandise. I contacted TD Bank customer service agent and stated the credit was submitted to the wrong account, to contact XXXX XXXX. I contacted XXXXXXXX XXXX they stated that the credit was submitted according to the purchase to call back and do a dispute. I Call TD bank back and the customer service agent did not let me do a dispute. Just getting the runaround.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I attempted to make a cash despot inside my local Chase bank at an ATM. I was not sure of the exact total of my deposit but upon taking my money the ATM malfunctioned and printed out a slip for a number to call to start a claim. The associate there took me to her office to call to make the claim and asked me how much was my deposit. I told her I didnt know and she said it was ok to guess. I guessed on the low end but I asked her to make sure if I should go over or under and she said it did t matter that they would open the ATM and know exactly how much there was. I called Chase claims a few days later and they reassured me the same. The claim was just closed and I only got the {$320.00} I originally put in the claim even though with 100 % certainty this is not how much I put in the machine. Chase did not do their due diligence handling my claim and they tell me theres nothing they can do except give me the exact amount I claimed for even though I told them from the start it may be more. They claimed they balanced the ATM and it was fine but I know that they did not properly handle my money nor my complaint.
Consumer complaint received 2024-03-26
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. (OK)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, and so on.
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

The company placed a collection on my credit report after I filled out their fraudulent package proven this account was opened fraudulently. I have asked and written letters to the company asking them to provide proof bearing my signature that I opened and agreed to the contract of these accounts that's where fraudulent opened in my name Which they have not replied nor have they sent any contact or paperwork bearing my signature showing I agreed to this contact Also they are reporting to XXXX that these accounts have been verified to be my account which in fact are false therefore they are reporting fraudulent and inaccurate information that's reporting on my credit report violationing the fair credit act section 611 ( 1 ) ( a )
Consumer complaint received 2023-07-07
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. (PA)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Torriere Holdings INC (OH)

Spire Recovery Solutions has contacted three of my family members as well as my job about an alleged debt. I have asked them to stop and have sent a cease and desist letter in the mail, and they continue to call. The latest call came on XX/XX/year>.
Consumer complaint received 2024-02-15
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. (FL)

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced in 15 USC 1681a Section 603, a 'consumer report ' encompasses any information communicated by a consumer reporting agency that reflects upon a consumers credit-related attributes, including credit worthiness, standing, and capacity, as well as character, reputation, personal traits, or lifestyle. Such reports are instrumental in determining a consumer 's eligibility for credit, insurance, employment, or other authorized purposes as delineated in Section 604 [ 1681b ].

However, it's crucial to note the exclusion clause, ( 15 USC 1681a Section 603 ( 2 ) which states that information pertaining solely to transactions or experiences between the consumer and the reporting entity does not constitute a 'consumer report '. This encompasses reports on transactional payments and credit utilization experiences. Also according to section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. I have never given any agency or entity written instructions to do so. According to 15 USC 1681c. section 605 ( a ) ( 5 ) 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.

Upon meticulous review, it is evident that this exclusion and the above-mentioned regulations have been repeatedly violated by credit reporting agencies and the entities reporting to them, as listed below. These violations have directly impacted my credit standing and financial opportunities. The dissemination of information beyond the permissible scope as defined in the FCRA represents a clear breach of my rights as a consumer. 

Agencies/ Companies that have violated my rights as a consumer : EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX
Consumer complaint received 2024-01-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HF Holdings (AR)

I was contacted by the original owner of the debt in XXXX to collect payment. I sent an email detailing my intent to pay and set up a payment plan. I paid the balance down from {$260.00} to {$140.00} with the understanding that the rest would be automatically withdrawn. This never happened and XXXX the XXXX this year I received an invoice from the company for {$140.00} and just a few days later I began receiving communication from HF holdings regarding this account with a higher balance. I called today XX/XX/XXXX with the intent to straighten out the balance and pay it on full I was berated and belittled by XXXX due to my poor history of payment, when I was trying to explain and provide proof he refused to hear me and ultimately disconnected the call. I called back and spoke with someone else who claimed to be the supervisor to resolve this matter he asked me to send documents to the same gentleman as before stating since XXXX started the process I would have to deal with him still. He reprimanded as well for the prior call stating that my behavior was foul and that he didn't believe me either due to people constantly lying to them. After I provided the proof I was told the amount would be corrected and asked if I could pay it over the phone I declined due to body of proof and stated that I would pay it online so that I could receive a receipt. After hanging up I went to the website to resolve and they had not adjusted the amount I emailed XXXX yet again regarding the adjustment to which he responded with a very sarcastic and facetious manner I re-emailed regarding the adjustment specifically noting the need to change the amount. It is my belief that this company has no real intent in resolving the issue and my poor treatment and harassment has been proof as they have yet to correct the amount and make it incredibly hard to make this payment in full.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WASHINGTON FEDERAL BANK (OR)

I was unable to access my funds due to an unjustified bank hold. The bank teller called XXXX and falsely reported an XXXX XXXX sending the entire police force XXXX XXXX to kick in my door. I still don't have my money the bank the check came from cleared on their end but I still don't have my funds many XXXX XXXX XXXXXXXX XXXX forced us hands in the air they ordered me down I'm so traumatized
Consumer complaint received 2023-07-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I requested that a few accounts on my credit file be investigated by Equifax starting XX/XX/23. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. As of today, XX/XX/2023 I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Consumer complaint received 2024-01-18
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: JDJ Investments, INC. (WI)

I contacted professional collector corporation back in XX/XX/XXXXXXXX XXXX XXXX They are saying that at the time I owed a bill to XXXXXXXX XXXX XXXX for {$4000.00} dated XXXX XXXX  said they didnt have this bill. Pcc they are reporting a total of 14 bills on my XXXX and XXXX now I am sure there are more credit reporting agencies that they are putting these fake bills on. All of these bills are fake. They put doubled the fake dates and the amounts. All of these bills are not legal. Professional collector corporation is putting these bills on my credit report when not one of these bills is legitimate. I have tried 3 times in the last 3 months to get these bills off of my XXXX and XXXX. I keep getting letters from XXXX saying the one bill was legit. These bills are not part of any lawsuit. These bills are past the statute of limitations of Wisconsin which is 6 years. Most of these bills are dated from XXXX and 1 bill from XXXX. If this company is doing this to me. How many other victims are out there that they are doing this to? They are trying to collect money that doesnt exist to anyone. They are trying to steal money from the American people. The sad thing about this if the Wisconsin department of financial institutions would had done there job they would have had there license taken from them and would not be doing this to me.
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OR)

Then short US Bank returned the check that was good it overdrafted me. At that point it was only {$100.00} and I was going to sort it out so I went and put stop payment on everything and I turned off the card. I also contacted them and asked them to not authorize any payments on that account, they then proceeded to continue to authorize payments for as little is a XXXX  or less and let me incurred {$36.00} in overdraft fees for each one no matter what I did they would not stop letting third parties withdraw funds that was not available. At that point it had balloon to nearly {$300.00} then in XXXX they arbitrarily charge me a fee. It said an analyst fee just for XXXX. Ive had the account for a year For {$280.00} just tagged it right on there. I asked for an explanation I got none they continue to let money be drawn from that account and hit me with overdraft fees and its got to be pushing probably {$1000.00} by now it was in the XXXX the last time I used it personally or authorized a payment myself. I have not use that account since XXXX. Against my wishes they continue to let it be open and when I request to close it, they say until its brought even they wont close it but they keep letting the money they know isnt there or available be withdrawn this isnt the first time that they acted in this manner. Furthermore, it was their own employees who instructed me how to proceed after the return check, and how to go about stopping payments. I did nothing that I wasnt specifically told to do by them with the promise that that would get everything sorted out and said it has only let matters get worse. They have ruined my credit temporarily, and theyve made it near impossible for me to get another checking account. I am a XXXX XXXX XXXX, and they seriously limited my ability to work online accept payments. Just is an example of how ridiculous it is they charge that {$280.00} fee slap it on there and they also overdrafted me for it and charge me another XXXX for that then turn around and a bill that had been coming out of that account sometime ago try to auto withdraw from it not that our request it just did it automatically for {$250.00} which cleared somehow and then they turned around when they realize it a week later and they return it, so if it was money coming out of their pocket, they stop the payment, but if its money coming out of my pocket or that I can be sent to collections over they have no problem with it whatsoever. I dont know how this could possibly be legal. And through all of this, I have asked them to stop all payments from that account so it could be brought to even but its now through no fault of my own been pushed to such a large sum. Theres no way that I can do anything about it until they eventually sent it to Collections and then I have to deal with it and they get to sell the debt to somebody else for XXXXXXXX XXXX  on the XXXX
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This company has called my family and I nonstop and continues even when told not to contact us anymore. They have called my extended family and have called my parents old places of employment. These communication tactics are so unethical and have gotten to be so annoying. In 2020 I fell into financial ruin due to the pandemic and lockdowns. I was forced to move out of my parent 's house due to a domestic XXXX incident and have lost my job more than once and have received unemployment as well as government assistance. I was then forced to pick and choose the bills to pay with the highest priority. If I could pay my debts I would but I can't.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (GA)

XXXX and XXXX XXXX website, I had an outstanding approval of XXXX vehicle credit approval. I clicked the link. It took me to the XXXX XXXX site. It was to see if I could get pre qualified to see there approval price, not to get an actual vehicle. I received a notice from a credit company about XXXX XXXX. They should have not ran my credit. It should have been done with my voluntary input not running my credit.
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Allied Financial Services Inc (NE)

This was a XXXX loan that was given despite poor credit. While making payments toward the principal I noticed my principal payments were being credited toward interest not principal. I requested a time delay during covid not to pay my bill as they offered to everyone on covid. They didn't honor the whole time. Nor did they apply my principal payments correctly. When they repossessed my car they pretended like it was stolen by others. XX/XX/year>. After they took it I was told by the company that they sold it for XXXX so the balance I owed on it was nothing but it's still showing up on my credit report as a balance.
Consumer complaint received 2018-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NJ)

In XXXX I visited the XXXX XXXX ER for a XXXX XXXX. In XXXX I was approved for permanent XXXX and they paid all my old hospital debts. There were more than XXXX and all were paid. I submitted this information to the hospital and XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. I have spoken to XXXX XXXX several times but they continue to report to the credit bureau. Please remove.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.