davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On  XXXX   XXXX ,  2017 , a charge was submitted in the amount of {$75.00}, to Bank of America via my debit card from   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  VA  XXXX . Bank of America returned the charge as a check/item and charged my account a {$35.00} insufficient funds fee for each debit card transaction. This is a practice that has been repeated. However, if the debit card were used at the establishment in person, the charge would have been rejected immediately and no fee would be charged.     I contacted Bank of America on  XXXX   XXXX , then again on  XXXX   XXXX  when I spoke with a superviso r [   XXXX   ] r egarding the policy of charging a fee for the use of a debit card, when it 's used without being swiped or inserted directly into a credit card reader. According to  XXXX , the vendor received initial authorization for process the charge, however, they took too long to complete the process. Therefore, by the time the charge was completed the bank is within its right to charge a fee, even though the debit card was used.     If in fact the bank issued an authorization to the vendor, I should not be penalized with a fee once the process is completed. For this reason, Bank of America should refund all fees that were associated with debit card purchases or payments.
Consumer complaint received 2021-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (TX)

Have No Knowledge of XXXX debt to XXXX XXXX XXXX XXXX I would like Viking Client Service to Validity date of this information the date of the debt the amount of the debt.to be posted to CFPB that it may be view.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc. (GA)

On XXXX XXXX I contacted Carter Young Collection Agency Concerning a collection on my Son ( XXXX XXXX XXXX ) Credit Report due to an erroneous apartment collection from a student housing apartment XXXX XXXX XXXX Old XXXX XXXX XXXX XXXX, FL. I was disputing the validity of the debt and provided information on the individual that moved in the apartment in XXXX after my son moved out in XXXX. I received no response from agency. 

On XX/XX/XXXX I followed up with the a second email. Still No response from the company. 

On XX/XX/XXXX I received notification from XXXX that the collection agency had placed the same debt on to my credit report. I have never lived in Florida, had no knowledge of this debt until XX/XX/XXXX. The Collection Agency Maliciously placed this collection on my credit report that is not mine. I as a mother trying to assist her son correcting his credit report was acting in good faith contacting the collection agency to dispute and resolve a debt. This agency made no attempts to resolve the matter but in turn acted in a malicious manner. I have been harmed by this malicious act as I just submitted at application for a mortgage on XX/XX/XXXX and this is prohibiting my ability to qualify for a home for my family. 

On XX/XX/XXXX I contacted the agency 7 times to speak with a supervisor and was continuously transferred to a Ms. XXXX who had preformed the malicious act. I emailed and mailed a letter the company notifying them that my rights had been violated and requesting for the collection debt to be removed from my credit reports.
Consumer complaint received 2015-09-18
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My husband lost his job in XXXX leaving my income as the only source for paying bills. It has become hard juggling rent, food, creditors and other debts. We contacted Capital One with our situation. With each month we are charged a late fee and over the limit fee. Each time we are told we must pay the minimum passed due amount, which has been difficult on our limited income. With fees mounting our monthly due is skyrocketing and growing out of control. We feel like even when he finds employment we will never be able to catch up and our credit will be ruined.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. 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 have never been late on payments for the account : XXXX XXXX XXXX Balance : {$9200.00}
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Hello, the reason why I am starting a complaint today because I am tired of continuing to try to solve this problem on my own and I do not get an answer that supports the fact that this account is in my credit report.I do not understand how this account across the three Credit Bureau is different. 
Credit Bureaus required to obtains verification from the same Data Furnisher, in this case the U.S. Bankruptcy Court in XXXX, Nebraska. 
Having said that, how between TransUnion y XXXX this information are reported different, and the funniest thing is in XXXX is not a Bankruptcy reported. 
I'm sending you proof from the 2 companies ( XXXX  XXXX and XXXX XXXX ) that i use to monitor my credit. 
Thank you for your time.
Consumer complaint received 2019-05-26
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: ENCORE CAPITAL GROUP INC. (FL)

Ive sent Midland Credit Management numerous letters requesting any proof bearing my signature and to date that only send an itemized bill, regarding an account which they states I owe {$430.00}. They are still sending letters and calling me regarding this account.
Consumer complaint received 2019-10-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

I have been having issue with my bank accounts. ( XXXX XXXX XXXX yrs - I moved my account to Citibank ) My auto pays dropped to medical insurance and association s. Then reappeared the following month after writing large checks to creditors ( association and medical ) its been happing in my XX/XX/XXXX credit cards ( 21 yrs a customer- as well as XX/XX/XXXX) I have reported the thefts to all creditors and they are not doing anything about these frauds and theft of my funds. 
Im XXXX and need assistance to stop this harassment of my civil rights as privacy rights. 

I believe the damages are over 10. 000 which makes this bank robbery. 
I went down to Citibank and I hav XXXX missing from my account. As well as fraudulent charges on my credit cards. I have someone going on like and fraudulently changing my us mail address - ) in whichXX/XX/XXXXtoday claimed to not be getting any statements back. ( I dont receive account statements ) I also was dismissed after 4 yrs  of reporting this fraud. And asked to attempted the same steps over over. I am not seeing my any changes in credit cards that are suppose to be frozen and unable to use. The companies are allowing these transactions anyway. I have filed police reports because these companies are claiming to not have documented my complaint s - XXXX XXXX
Consumer complaint received 2023-03-19
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. (FL)

Experian has erroneously reported a XXXX account to my credit report when it is under legal investigation with a law firm. Over 7 letters have been sent between me and the law firm. XXXX and XXXX have removed this account and do not report on it. Experian refuses to investigate further and asks the creditor if the account exists. They violate the following : 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. 

Account name : XXXX XXXX XXXX The Fair Credit Reporting Act ( 15 USC 1681 ), in conjunction with The Fair Credit Billing Act ( 15 USC 1601 ), states that when the alleged debt is in dispute and the debtor is represented by an attorney, the creditor may not report the debt as delinquent.

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 an 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 or 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 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (FL)

Charging excessive unexplained fees over the last few months when monthly payments have been made on time. Fees are shown on statement as " corporate advance ( s ) '' and now another fee has been charged for {$300.00} with a description of " Payment of Preservation Fee ''.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX, equifax, and XXXX s reporting 8 account that is closed. Only 1 should be closed as paid is from XXXX. Never been associated with these account. Would like them to remove these remarks immediately. Also theres addresses and my name is being misspelled only should be XXXX XXXX XXXX XXXX XXXX address and XXXX XXXX circle address should be in my credit report
Consumer complaint received 2023-03-19
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. (CA)

I XXXX do not owe XXXX any money. They are reporting a XXXX balance on my credit report. I want the, to delete this from my credit report ASAP
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (NC)

I have told this company and 3rd party company regarding this matter not to contact me via my cell phone nor work phone line. This company has called me repeatedly and on different days and times during my work hours despite telling them to correspond via US mail only. 

For example, they have called at : XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with Fair Credit Act, these three Credit Bureaus has violated my rights, XXXX  Credit Bureau. 
XXXX Credit Bureau. 
Transunion Credit Bureau. 

This is the correct information that only should be reporting on my credit reports Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas XXXX Date Of Birth : XXXX Social Security Number : XXXX PLEASE MAKE SURE ALL Personal Info Is Corrected To What I Have Placed Above Asap!
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (GA)

I have been disputing the bankruptcy information on my credit report for quite some time with all three credit reporting bureaus. XXXX and XXXX have both removed the information from credit report based on the documentation and disputes sent directly to them from XXXX. Experian has been a different story. They've told me they can't remove the information because XXXX has to do so. XXXX has stated once the information is no longer on my consumer report, the credit reporting bureaus have to remove it within their own systems. XXXX disputed this information for me once again with Experian on XX/XX/23 and stated they removed the disputed information from my consumer file. According to my credit report with Experian, it states - " If your report contains public records, it includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. '' XXXX the third party vendor they utilize removed the information, disputed it with Experian and they have still refused to remove this from my credit report which is a violation of my rights. Information not held in my consumer report CAN NOT BE placed on my credit report!
Consumer complaint received 2019-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

I was enrolled in Citi 's card autopay system. For some reason, last month they did not deduct my payment and now they are trying to charge me for their mistake. Clearly an error dropped me from their system. Upon contacting them, they were very rude and threatening. Further, they are trying to extort me by refusing customer service until I pay their ransom.
Consumer complaint received 2019-10-08
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: Experian Information Solutions Inc. (NC)

A trade line on my report is showing an inaccurate date thereby re-aging the line to extend the amount of time it stays on my report. Recently this company, XXXX, has been " flagging '' my report regularly which is negatively impacting my score even further. I have received multiple alerts from CRA monitoring services of this action made by XXXX, which is a clear effort to further damage my credit rating since every time they flag my account my score drops lower. In doing so, this has created negative financial consequences for me. 

The date of first delinquency was 7 years ago. I have already requested that this be investigated by all three CRA 's. XXXX   has " confirmed '' the information is correct and refuses to remove the inaccurate information from my report. I have original statements from Target showing the Date of First Delinquency. If I have these statements, so should they. Which should clearly show that they did not investigate the account and are taking these actions deliberately.
Consumer complaint received 2019-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (WA)

I have identity theft my house was broken into when I was just married they stole my SSC my old is and birth certificate. I filed a police report I am a victim of identity theft and discover is one of the accounts that is NOT mine and but taking off my credit report with an official police report and case number that is against the law. They are supposed to remove with in 30 days im contacted them many times with copys of police report and all
Consumer complaint received 2019-10-08
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. (NC)

A trade line on my report is showing an inaccurate date thereby re-aging the line to extend the amount of time it stays on my report. Recently this company, XXXX, has been " flagging '' my report regularly which is negatively impacting my score even further. I have received multiple alerts from CRA monitoring services of this action made by XXXX, which is a clear effort to further damage my credit rating since every time they flag my account my score drops lower. In doing so, this has created negative financial consequences for me. 

The date of first delinquency was 7 years ago. I have already requested that this be investigated by all three CRA 's. XXXX   has " confirmed '' the information is correct and refuses to remove the inaccurate information from my report. I have original statements from XXXX  showing the Date of First Delinquency. If I have these statements, so should they. Which should clearly show that they did not investigate the account and are taking these actions deliberately.
Consumer complaint received 2019-05-26
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: Fidelity National Information Services, Inc. (FNIS) (UT)

XXXX needs to provide what method they used to verify XXXX XXXX as this account was involved in fraud.I provided a valid police report which they haven't explained how they sent the police report to the furnisher. Did they convert the police report to a numeric code and send that to the bank to verify??? This violates the FCRA as it has to be 100 % accurate and 100 % verifiable.
Consumer complaint received 2023-01-18
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

There has been several inquiries that I did not authorize. 
XXXX XXXX XXXXXX/XX/XXXX US Small Business Admin XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I would like these removed from my credit report as I did not authorize these inquiries.
Consumer complaint received 2018-10-11
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe (AR)

XXXX AND CONSERVE KEEP CALLING MY CELL FOR XXXX & XXXX, SKIP TRACING FOR THEM. PLEASE FURNISH ME ALL YOUR NUMBERS USED TO CALL ME SO I CAN BLOCK NUMBERS ON MY CELL PHONE.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (KS)

In monitoring my credit report today - I noticed that there was an inquiry for opening a new credit card with CB Indigo on XX/XX/2024. I took no actions to open / attempt to open a credit card with CB Indigo
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (LA)

Debt was placed on my credit report for rent that I do not owe. I moved out with rent paid in full for the last month at the address. I never received a notice for an outstanding balance before seeing it on my credit. Contacted the company who stated they would resolve the issue and still nothing has been done. There was no updated lease as my lease had expired months before ( XX/XX/XXXX ) and they never renewed so I moved out ( XX/XX/XXXX ) with my balance paid for XXXX My rent was never late and there was no balance when I turned in my key. I have contacted this company on multiple occasions they do not return calls.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NE)

Hello, the reason why I am starting a complaint today because I am tired of continuing to try to solve this problem on my own and I do not get an answer that supports the fact that this account is in my credit report.I do not understand how this account across the three Credit Bureau is different. 
Credit Bureaus required to obtains verification from the same Data Furnisher, in this case the U.S. Bankruptcy Court in XXXX, Nebraska. 
Having said that, how between XXXX y Experian this information are reported different, and the funniest thing is in XXXX  is not a Bankruptcy reported. 
I'm sending you proof from the 2 companies ( XXXX XXXX and XXXX XXXX ) that i use to monitor my credit. 
Thank you for your time.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MI)

Transworld Systems Inc, calling from XXXX, has and continues to repeatedly call me multiple times a day. Call volume made by Transworld Systems Inc is in excess of more than 7 times in XXXX consecutive days - a violation of FDCPA, and subsequently defined under the aforementioned act as " harassment ''.

Recorded call logs have indicated the following calls made by TSI that are in violation of FDCPA : - XX/XX/2024, XXXX hours XXXX : XXXX ( XXXX ) incoming calls - XX/XX/2024, XXXX hours XXXX : XXXX ( XXXX ) incoming calls - XX/XX/2024, XXXX hours XXXX : XXXX ( XXXX ) incoming calls As provided above, and recorded within call logs, TSI has placed XXXX ( XXXX ) calls within XXXX consecutive days ; violating FDCPA.
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

Item described by said creditor on my report ( s ) is not mine, I am a XXXX and rarely ever use any other form of payment that isnt cash or a prepaid debit card. According to my mother letters periodically pop up from this company saying this amount is owed and to a different creditor? Im assuming theyre just a debt collection agency. Ive never heard of either in my life and dont want this to keep following me everywhere I go. Whether its to open a new phone line, or attempt to purchase anything on credit.