davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (NV)

On XXXX XXXX 2017, U.S. Bank authorized a transaction in the amount of {$33.00} that caused an overdraft. It was a one-time purchase from a store I shop at regularly. I do not have overdraft coverage. However, they let my account overdraft anyway, and charged me a {$36.00} overdraft fee. 

My agreement states they will not authorize an overdraft without coverage unless it 's through a check or transaction using my account number, automatic bill payments, or a recurring transaction, such as a monthly gym membership. 

Upon contacting their customer service, they stated that it was a recurring transaction. After questioning how it would be considered recurring if it 's just a one-time purchase, they replied, saying it 's because I shop there frequently and they 're considered a recurring merchant. 

The definition of a recurring transaction is a charge applied in predetermined intervals such as a subscription or membership. And my agreement with U.S. Bank even uses a monthly membership as an example. I have NOT found a definition that includes frequent one-time purchases from the same store. And my agreement with U.S. Bank does NOT include that as part of their definition either.
Consumer complaint received 2018-01-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Complaint XXXX is not resolved. 

Company 's Response : Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. A copy of your Equifax Credit File has been sent for your review. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. 

Apparently, Equifax is in unable to comprehend what they read! Therefore, I will try it again. Maybe a picture will be easier for them to understand. ( attached ) WHAT INFORMATION IN THE ATTACHMENT DOES NOT MATCH YOUR RECORDS??? 

A RE-WRITE OF THE ORIGINAL COMPLAINT : On XX/XX/XXXX, I received an email from Equifax that my " Dispute has been completed '' ( document available ). The email instructs to click on a link to review the results ; But I am unable to pull-up the report on Equifaxs website ( error message screen-print available ). As a result, on XX/XX/XXXX I called Equifax 's customer service at XXXX ; The call duration was one-hour, twenty-seven minutes and twenty-seven seconds, which ended at XXXX XXXX XXXX. After repeated requests for assistance to sign onto the Equifax websiteThe agent hung-up on me without resolving my problem. Up to six-weeks ago I was able to log onto the Equifax website using the exact same credentials as I used on XX/XX/XXXX. For whatever reason Equifax refused to match my input credentials with their information.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Please remove from my credit profile, as I have no idea who this company is and I have never entered into any type of agreement with this company. 
Please have the company present a contract or removing this from my credit report ''. I called this company they couldnt not locate this file please delete from XXXX asap
Consumer complaint received 2021-09-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC (CA)

This is my second time reporting this company for the same thing illegally posting a debt on my credit report that didn't belong to me.and still reporting it after I stated it's not mine. I reached out to company and saying this is not my debt so stop reporting this to all three credit bureaus.So the company requested that I complete an identity theift report, I made one with the federal trade commission.and sent a copy of the report to National Credit Adjusters. but this company continues to report this account as mine, and has not removed the account yet. They just reported this account as mine again on XXXX. 
To all three credit bureaus again. And I'm a little fraustraded behind their actions as a business. I just want this company to remove their self from my personal data, and stay out of it, .you have the documents you requested.
Consumer complaint received 2017-04-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

I was closing my checking account in  XXXX    XXXX   and stopped electronic debit. I made a phone payment from my new account for the  XXXX  payment. The mortgage company also withdrew a second payment from the old account before it closed. They would not reverse the second payment saying I can skip the  XXXX  payment. I set up automatic debit from the new account for The  XXXX  payment. The mortgage company tried to withdraw from the closed account on  XXXX   XXXX . The payment bounced and they charged {$87.00} in late fees and an online payment. I tried to delete the old account from their records but ca n't. I called customer service ( in the  XXXX  ) but the representative could make no changes. I asked to transfer me to a USA representative but he told me I was unauthorized. I do not know how to fix the problem as the incompetence is at all levels. I believe they want the late fees.
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Brown and Joseph, Ltd (CT)

A XXXX XXXX XXXX XXXX, Case # XXXX XXXX XXXX ] has been constantly calling me for a debt that I do not owe for a company that I formerly owned but have n't owned in three years. There has been two owners since. He is calling on behalf of the XXXX XXXX Company. I never used them for insurance and do n't know who their agent is.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Rent Recover, LLC (GA)

I spoke with XXXX. XXXX on XX/XX/XXXX concerning the alleged debt from XXXX XXXX XXXX. I gave the rep. my contact information home address and confirmed phone # and expressed my concern over the debt and asked for proof. Rent Recover XXXX XXXX XXXX continued to pursue operation as if they had not reached me by calling my job XX/XX/XXXX and parents home upsetting my elderly parents with a request that had been addressed. The name of the company a lone " Rent Recover XXXX XXXX XXXX, XXXX I feel likes violates by privacy when calling my place of employment
Consumer complaint received 2024-01-29
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/22 I was a victim of fraud. As an elder woman, I was conned out of providing my information to someone who claimed to work for XXXX. Soon after I provided them with requested information they XXXX money out of my XXXX XXXX XXXX account for the amount of {$500.00} and out of my Chase checking account for the amount of {$500.00}. I immediately called Chase Bank and soon after XXXX XXXX  to inform of this fraud. They immediately froze my accounts to investigate. On XX/XX/22 I went to Chase Bank in person to close my personal checking account and open a new one due to the fraud. Today, XX/XX/22 I received notice that Chase will not give me the money fraudulently XXXX out of my Chase personal checking account, stating I authorized the XXXX. As of today, XX/XX/22 my XXXX XXXX XXXX account is still frozen and I can not access my money despite being sent a letter received today that they too can not reimburse me for the fraudulent XXXX payment for the same reason. When I asked why my account is still frozen, they say it is still under investigation. I am a victim of fraud. I did not authorize these XXXX payments. I am an elder of age XXXX years old and the victim of elder abuse having this money fraudulently XXXX from my account. Both Chase Bank and XXXX XXXX are promoting this act of elder abuse enacted by the scammer on XX/XX/22 by refusing to reimburse my money. This is fraud!
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AE)

On the XX/XX/XXXX I 've recieved an e-mail that my deposit was reverse ( Coinbase ) but now I still have n't got my funds back! My bank says there is nothing coming as well. 

Now the XX/XX/XXXX and still no funds back XXXX + XXXX
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (VA)

Diversified Consultants continues to call me even after I have disputed the validity of the debt when they are supposed to put it on a 30 day hold. 

In addition, even after I speak to them on the phone, they call back multiple times per day. This is harassing.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did not consent to my financial information being stored by XXXX, XXXX, or Transunion in the first place. Credit freezes and unfreezes should be made free. 

Thank you for taking the time to read my complaint.
Consumer complaint received 2017-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ENCORE CAPITAL GROUP INC. (NY)

At the beginning of  XXXX  I started receiving letter from  Midlabd  funding saying I owe money on my   XXXX   XXXX   account from  XXXX  ( which I closed and paid on  XXXX  ) I called them after they kept sending me the same offer Over again.  Midland  funding sent me a letter recently saying that my case was close and account was closed I did n't not owe anything. They said   XXXX   XXXX   sold this account to them and after the disputed it showed I did n't owe anything. But I see it was reported to my credit report. How can I get that removed?
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

An unauthorized charge was made on my debit card using the PIN on  XXXX   XXXX . The same day, I disputed the charge, filed a police report and filed a report with the security at the location of the ATM. The bank closed the dispute claiming that because my PIN was used there was no evidence of fraud and the claim could not proceed. This is a direct violation of   XXXX   XXXX   XXXX  It is not my reponsability to make guesses as to how the culprit got my PIN, nor is it my responsibility to tell the police what to write into reports. Most importantly, because I reported the violation within  XXXX  hours, my liability remains at a maximum of {$50.00}  XXXX  pin or no pin ) and under the banks own "  XXXX  liability '' policy, I should receive full reimbursement of {$400.00}.
Consumer complaint received 2024-03-25
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. (GA)

XXXX XXXX XXXX XXXX is selling deceptive information to XXXX, XXXX, & Equifax who are then publishing this information on my consumer report. This debt has not been validated as belonging to me and I havent received any evidence to prove it is mine. This debt has also been canceled with the IRS and reported as income so it can not be reported onto my consumer report.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I fell upon financial hardships in XX/XX/XXXX and XXXX XXXX inbetween jobs capitol one was the last thing i was thinking about and without any warning or contact they reported a late payment refusing to work with me to get the account settled. Once the pandemic hit I was laid off once more and unable to receive any unemployment benefits. During this period Capitol One repeatedly dinged my credit score on the days of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lastly on XX/XX/XXXX all during the year of XXXX. The amount of impact this has had on me financially is enormous. The decrease in my credit score due to capitol one is solely hindering my abilities my secure vehicle financing and even to be able to find housing. The damage that has been caused is completely outrageous when you consider the struggle they are causing me over an account of {$300.00}.
Consumer complaint received 2017-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (IL)

I previously disputed this debt with ICS SYSTEMS o n   XXXX   XXXX    2017  via certified letter to the Credit Bureau and ICS SYSTEMS. I received the letters from  XXXX  and  XXXX  that this debt was DELETED! Now  XXXX  which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my ( XXXX, XXXX and transunion ) consumer report, and I noticed some late payments posted on my consumer report : Account number ending in # XXXX, Late payments, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX XXXX XXXX is in clear violation of the law, Pursuant 15USC1681 1a 2 ( a ) ( i ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiances between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is not INCLUDED on my consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED FCRA 15USC 1681a 2ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT on my CONSUMER REPORTS.
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS (CA)

Received a call from a woman named   XXXX   at D. Scott Carruthers Law claiming that I owe a debt. Could not verify any information. Stated that I owed a debt that I 've never had with   XXXX   XXXX  . I have never had any such debt.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I need to dispute XXXX charges on my account made with my debit card because the seller never sent the items, I tried to contact the bank to the number provided XXXX in XXXX different days at different times waiting more than one hour and a half each call and nobody answered, also I requested trough the chat a fax number or email to send the dispute but they denied that information. 
Need to dispute this charges : XXXX DEBIT CARD PURCHASE AT XXXX {$47000.00} ( WAS A TABLET ) XXXX DEBIT CARD PURCHASE AT XXXX {$53000.00} ( WAS A TABLET ) XXXX DEBIT CARD PURCHASE AT XXXX {$53000.00} ( WAS A TABLET ) XXXX DEBIT CARD PURCHASE AT XXXX {$64000.00} ( WAS A SMARTPHONE ) XXXX DEBIT CARD PURCHASE AT XXXX {$64000.00} ( WAS A SMARTPHONE ) All those purchases must be delivered before XXXX and didnt arrived, I tried to contact the merchant many times but they never respond.
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is selling deceptive information to Transunion and XXXX in which they are publishing it on my consumer report. This allege debt has not been validated as belonging to me and I have received no notice of my right to dispute this debt before it was placed on my consumer report. I would like the evidence that has been used to validate this debt as belonging to me.
Consumer complaint received 2017-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Gold Star Finance, Inc. (TX)

This company continues to call and leave messages after I 've told them I do n't have the money. Calls my job anonymous after told not to call me at work also made a in person at my job on   XXXX   XXXX   XXXX
Consumer complaint received 2018-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX, I called Transunion to remove inquiries that I did not authorize. I ask to speak with a US Representative. I was connected to a US.representative and as he was confirming the inquiries which inquiries needed to be removed the call got disconnected. I called back and was connected to different US Representative. I explained to him what happened and how the previous US was in process of removing the unauthorized inquiries that were reporting on my credit report. He told me that he was not able to delete or dispute inquires. I explained to him that the previous representative was in the process of deleting my unauthorized inquiries and how is it that the previous US Representative I was speaking to could delete inquires but he wasn't able to. The US Representative was very rude and didn't care to help me address this issue. He stated that I could not be connected to the previous US Representative. There is a total of of 9 inquiries from XX/XX/XXXX-XX/XX/XXXX from car loan places in which I did not authorize to pull my credit.  •	XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX (XX/XX/XXXX)•XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (PA)

XXXX placed me in collections on XX/XX/year>, for a bill in the amount of {$99.00}. I have this issue resolved in the past!!! This item been reinserted several times.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Revenue Assistance Corporation dba Revenue Group (OH)

On   XXXX   XXXX   XXXX    , I received a call from  XXXX . I did not answer nor did the caller leave a message. I looked up the phone number on  XXXX  and the number came up as  XXXX   XXXX .     I tried to call the number back, it is actually a debt collector called, The Revenue Group.     They are impersonating themselves pretending to be a legit company to trick the receiver of the call.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

I am trying to get all three credit reporting companies to put a security freeze on my report, as I have checked with XXXX who have admitted that my information has been compromised in their latest security breach. None of XXXX, Experian or XXXX XXXX website will complete my online requests. 

I have tried some of them multiple times, but they will not freeze my report.