davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (TN)

I have unrecognized and unauthorized credit inquiries on my report. I have never had any accounts with any of these named inquiries, nor have i applied for credit with any of them. 

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
Consumer complaint received 2020-12-08
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. (CA)

I am writing this due to non-compliance with the Credit Reporting Agencies ( Experian, XXXX, and XXXX. ) They have failed to remove information that was affiliated with personal details that were challenged in the past. 

Consistently reporting erroneous items is a clear violation of the law. The negative items on my credit report can not be authenticated to be certified under testimony to be true and accurate. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting a ridiculous debt on my credit file that must be removed. I recently talked to the XXXX XXXX XXXX who has been handling my account and they said they're sending me to collections over {$0.00}. I have no idea what this is for, and I am more than willing to pay {$0.00} cents but when I call Express Recovery they say I owe way more than I do for this account. When I spoke to the XXXX XXXX XXXX they said that all of my accounts with them are in good standing and that nothing in the last 2 years has been sent to Express Recovery. I have no clue what is going on here. I ask that Express Recovery remove anything from my credit file regarding this account, it is erroneous and I'm more than willing to pay the {$0.00} owed on this account but I need this validated to be. Please be advised that reporting invalidated debt on my credit report can constitute fraud under both federal and state laws. This is absolutely ridiculous please delete.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I disputed a charged off account with Transunion on XX/XX/2019, that Transunion failed to investigate and update properly on my credit report after receiving proof that the account was paid and sold to another company Transunion tried to submit an ACDV to the original creditor who no longer has the account Transunion failed to conduct a reasonable investigation or update the derogatory account to a paid status they are still reporting the account as delinquent when it's not.
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MN)

Dear XXXX, US Bank uses overdrafts in every way it can to charge their customers. They charge their customers excessively in order to add to their earnings per share. 

The following is my experience. I would not have received this kind of customer service at my other bank. 

I made several purchase from XXXX for the first time. I went to the bank to deposit an additional amount of money to account for the purchases. 

I was unware XXXX debited the account after hours for a purchase I believed I accounted for during reconciliation. 

U.S Bank normally debits the account immediately. XXXX debited the account after business hours and I was unable to deposit additional funds. I was unaware of this until I logged in. 

When I logged in, I saw an overdraft of {$36.00}. I called in to customer service to explain the situation and expected the {$36.00} to be refunded. 

I spoke to 'XXXX ID # XXXX. She put me on hold for several minutes. This was a simple housekeeping error. XXXX did not provide the 5 star customer service the bank advertises. After about 5 minutes, she stated she is unable to waive the fee. 

I was very unhappy and dissatisfied with the length of time it took for this minor housekeeping issue. I asked for her ID # and she would not provide it to me. I asked several times and she did not respond. 

I asked for a manager which took about another 5 minutes. XXXX ID # XXXX a a manager took over. She was unable to provide the 5 star customer service and stated she would not refund the {$36.00}. 

This bank chargers overdrafts in a manner that is excessive. This needs to be reviewed. They use the overdrafts as a way add to the earnings per share. 

This call I initiated should have been 5 minutes. Instead, US bank and its management use these situations to penalize their hard working customers. It is a very poor customer service tactic. 

US Bank does not care that I am a very dissatisfied regarding this conclusion. They are happy to charge me {$36.00}. 

I will be closing my accounts and using my other banking relationships. 

I will be relaying this experience to my attorney who will send a letter in order to get this on the record.
Consumer complaint received 2020-12-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2022-01-07
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXXXXXX 2021and still nothing from them. That means Equifax has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

emails are sent saying payment is not current and more interest is added before next payment .most recent email past week or so. contacted fdic about company and was directed to this number as the company is not a member if XXXX  when i thought all credit companies were supposed to protect funds especially during pandemic times. i dont feel like naming this company online yet because i have also tried to contact other legal services in my state. i have still paid a payment every month even with the pandemic and dont see any balance change. i also received a letter in the regular postal mail that said they are not accepting written documents for communication purposes. this was received this week in XXXX XXXX something is very wrong with this i can send a copy of that letter if necessary. i cant resolve this issue by telephone only! please refer me as nessary.
Consumer complaint received 2018-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF HAWAII CORPORATION (HI)

Today is XX/XX/2018. Prior to XXXX Hawaii Standard Time , I made a in person deposit of several checks at Bank of Hawaii . 
After I left the bank, I noticed the deposit slip is dated for XX/XX/2018 Is this legal? 
I also get direct deposits from from XXXX  XXXX XXXX and XXXX XXXX. Both of them with hold funds availability for about 4 days before they appear in my account. 

Essentially, it floats somewhere from the time the person initiates the online transfer/payment, to the time it is credited to my account it is about 4 days later.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC (AL)

In XX/XX/XXXX, I received a Collection 's Notice from ERC. I have made one complaint against this company and now I am making my second complaint! I have told ERC repeatedly that I paid the amount that XXXX XXXX claims I owe two years ago! ERC informed me they were going to do an investigation regarding this matter! However, all their investigation concluded was the same amount from their Collection Bill! 
I have been told repeatedly that I would be transferred to a supervisor, but everytime I just get hung up on! I was even told by one representative that he would pay a bill even if he did not owe it! This was only an attempt to get money out of me! 
I have repeatedly disputed this charge and ERC has now informed me that they would just send this collections back to XXXX XXXX! They have not sent me any notice telling me that this has been done and according to XXXX XXXX, they are claiming that ERC has not sent this debt back to them! 
ERC has not used any cursing or abusive language, but has used manipulative tactics in order to get money from me and has repeatedly lied about this debt! I did not even have to reach out to them, but I did in order to clear this matter up! ERC is deceptive! 
XXXX XXXX is a fraud and should not be allowed to make money by selling this so called debt to Collection Agencies and ERC should not use deceptive practices in order to force people to pay for this bill! 
I paid exactly what XXXX XXXX told me I owed two years ago! Now, out of nowhere, two years later, I receive a Collection notice from ERC! They need to believe me when I tell them I paid this entire balance two years ago and not use manipulation or lies in order to make money! I am tired of this! I want this charge dropped and for these Collection Agencies to leave me alone! If not, they will all be sued in Court, including XXXX XXXX! 
The amount they are saying that I owe is : {$160.00}. The date I received the collection notice from ERC is : XX/XX/XXXX. This is from a debt from XXXX, which I paid! I showed them my bank statement, but now XXXX XXXX claims I owe more, when I have not heard from them in two years! I have tried to settle this matter with ERC from : XX/XX/XXXX-XX/XX/XXXX. I stopped then because no one will listen to me and all I continue to hear are lies and manipulating me into paying something I already paid two years ago! XXXX XXXX and ERC and any other collection agency that does these practices should be held accountable!
Consumer complaint received 2020-07-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (KS)

National Credit Adjusters ( NCA ) has illegally re-aged a collection for a XXXX XXXX loan. The origination date should be XX/XX/XXXX, but NCA reported to all three credit agencies ( XXXX, XXXX, and XXXX  ) an origination date of XX/XX/XXXX, 4+ years later. 

I contacted NCA on XX/XX/XXXX to pay off the debt ( Authorization # XXXX ). NCA representative XXXX ( Facility XXXX, XXXX XXXX ) stated they would report the XXXX  balance but would not correct the origination date. She transferred me to XXXX ( Extension XXXX ) in the " Consumer Response '' department who failed to answer the phone. I called back numerous times to try to speak with him, but every time I got his voicemail. I left a voicemail and did not receive a call back. 

I would like the CFPB to investigate NCA for the illegal practice of re-aging debt to trick the credit reporting agencies into believing the debt is newer than it is. This collection should fall off my credit 7.5 years from XX/XX/XXXX and not 7.5 years from XX/XX/XXXX.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (MI)

On XX/XX/XXXX, I went to check on my TCF savings account and found that my online login no longer worked. I called customer support and they have no record of my account. 

I went to the branch, who also had no record of the account associated to my name. After finding the account number from an old paper statement, the branch was able to locate the account as 'closed '. The documentation ( attached ) showed it was moved to a dormant account status in XX/XX/XXXX and then drained month after month until the balance reached XXXX. This was handed over only after the 3rd trip to the branch and 3 phone calls.

All of these was done without any notification ( email, mail, or phone ). TCF claims their policy is to call multiple times and send notifications through the mail. None of this occurred. I have requested copies of these notifications and have not received anything after 1 month. I was coerced into getting paperless statements and the last statement I had received was prior to any account deductions. 

The account had {$120.00} and I am seeking to get those funds returned to me. A banking institution can not be allowed to silently and secretly steal money from its clients. The bank seemingly hid statements and communications while they siphoned money from the account.
Consumer complaint received 2016-07-27
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: LEXISNEXIS (NY)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ny XXXX XXXXXXXXXXXX XXXX e-mail To : XXXX XXXX XXXX XXXX XXXX Ny XXXX Attn : Branch Manager XXXX XXXX XXXX Application has Account Routing #. She is charging For : Lost Credit Cards. I called XXXX to correct problem. I have statement she, s going to correct the problem.. Issue is XXXX XXXX XXXX Account only XXXX Order e-checks. They say, s pay For : Credit Cards out of the e-checks. I sent the money with permission by me as Customer at XXXX fees. {$25.00}. She should have in mail. XXXX XXXX excepted the tracking Form. For : XXXX XXXX. She say, s she did not receive Form. When walk in
Consumer complaint received 2021-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

I get a financial assistance from Hospital what cover ALL other procedure I did, including wall radiology services. 
Because of the pandemic took a long time to receive a response from hospital about the financial assistance. When I received the letter from XXXX XXXX  XXXX I called them. At this time all services in United States was stopped and communicated with all companies was hard, especially because most of them are closed by government decisions. Wasnt my fault. The company didnt wait because they just wanted to danger my credit and sell the debit. They didnt have any respect for paciente, people sick, in a Pandemic that destroy many lifes. 
I already did a dispute what was removed from my credit in XXXX  and XXXX, but they dont remove from XXXX. I called them today and they told me they will put in collections again in XXXX and XXXX  again, what I think is at least imoral. I never had credit problems in my original country and here I dont understand why companies are so abuse.the company is GLA Colection COMPA.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NV)

On XX/XX/2020. I used the automated phone number Direct Express and ordered one new card because my card ending in " XXXX '' was defective. I paid for the new card to come in 2 business days. The automated voice said my card will remain active until I get a replacement card. I called back to block the defective card ending in " and they cancelled the card but ordered me another card and asked did I want a 2 day shipment. They withdrew another fee for the 2 day shipment. So I am waiting for 2 cards to be delivered in 2 business days. A total of {$30.00}. Now my Direct Express card account is in the - negative now. 
On Tuesday XXXX, 2020 I talked to a lady who said she was a supervisor which I doubt, named XXXX. XXXX asked me for my personal account password pin information to my website account. I refused and told her this is a against the law to ask a customer for their personal PASSWORD TO Their online Accounts! Direct Express refuses to give my money back from one card fee of {$15.00}. 
Please help me and get my money back? I don't have money to give away. {$15.00} is a lot of money to me. Please Hopefully Direct Express will do the right thing and give my money back. It's against the law to take money that doesn't belong to you. I have copies of the 2 cards charges. 

Card holder XXXX XXXX
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

RE : IMPORTANT CHANGE TO YOUR ACCOUNTI received the attached letter today stating that as of XXXX XXXX, 2016 I will no longer be able to make additional security deposits to increase the credit limit of my secured XXXX. I am confused as to where it states in the original terms and conditions, which I have reviewed carefully that the bank can do this. 



I 'm confused as to wh
Consumer complaint received 2020-07-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I notified Experian of an invalid account on my credit file. Under federal laws and FCRA guidelines section 609 ; I requested Experian to validate/verify the account by the name XXXX XXXX/XXXX. In has now surpassed the 30 day investigation period and I have yet to receive a response. Experian is now in violation of FCRA section 609.
Consumer complaint received 2018-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

XXXX XXXX XXXX has charged my card every year {$25.00} without my knowledge. I agreed to pay one year, many, many years ago. They recently charged {$25.00} which is the first time I realized this was charged to my account without my knowledge. My husband called and they said they will refund the most recent annual charge. They told my husband that theyve charged our card every year. We had no knowledge of this. This happened to my elderly mother as well and she has never agreed to the charge either. Seems to be illegal or theyre running some sort of scam.
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc. (CA)

Real Time Solutions is a collections agency. They are not the original creditor to whom the debt was owned. I have disputed their reporting to XXXX, XXXX and now they are reporting expired debt that has passed the 7 year reporting time to XXXX. On XX/XX/XXXX their reporting of XXXX XXXX for {$68000.00} expired. XXXX removed it from my credit report. However on the same date that the date expired, XX/XX/XXXX, Real time solutions reported it as new debt. XXXX did not check the report and my credit score dropped XXXX point. 

I had problems before with this company. They do not report credit history debt. After I dispute their information being reported and it is removed, Real Time Solutions report it again as new debt. The credit Agencies do not check if this has already being previously reported, and removed. The data is taken as a new report and reported against my credit history. Real Time Solutions need to validate the debt.
Consumer complaint received 2015-08-27
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Gurstel Law Firm, P.C. (AZ)

I have about a stacks of letters about other people 's information that the company Gurstel Chargo send to me wrongly and I never received my information correctly. Gurstel Chargo has it wrong with my identity. I have send you overwarming information in the past but they choose to go ahead with erroneous information. I took a picture of the information of other clients they mistake me for just to prove they have it wrong. Gurstel Chargo are spamming other peoples sensitive and financial information. I sent picture and police report to prove that is this a mistaken identity.
Consumer complaint received 2023-01-11
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. (TX)

Despite multiple written requests, the erroneous inquiries listed below continue to report on my credit report in violation of federal law.These inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not verify these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX regarding account number XXXXXXXX XXXX XXXXXXXX XXXX in the amount {$680.00}, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (CA)

On XX/XX/XXXX there were two unauthorized withdrawals. One from XXXX XXXX for {$200.00}, and another from XXXX  XXXX XXXX for {$120.00}. These transactions happened while I was at work and my debit card was in my possession. I don't know how my money can be taken out of an ATM with out my debit card. I disputed this twice and both times I was denied. I was using the credit karma checking account