davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I have a Bank of America 3 % credit card. It is currently carrying a balance from a 0 % transfer offer made last year. I made a purchase on XXXX XXXX in the amount of {$2500.00}. Because I have a carried promotional balance, they started charging me my purchase APR for my purchase on the same day that I made the purchase. As such, I was charged {$36.00} for interest for a purchase made within the same billing cycle of which the statement closed. 

I attempted to dispute this and they said that they're within their rights because there was a 0 % balance carried from the previous month.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

i am unaware of this debt. i did not have the opportunity to dispute this debt. 
portfolio recovery has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. if in fact that you believe i received proper notification, please provide the certified mail with a receipt with my signature on there stating that i received it.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IL)

In XX/XX/year>, I disputed 2 different Midland Accounts on all 3 of my credit reports because i was unaware of the alleged debt.

One account was removed from XXXX. But the other was coming up verified. 

XXXX and XXXX has also verified both accounts.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (LA)

Hello, On XX/XX/year> me and my finance hosted an engagement party in which during the party my car was entered by picking the car lock, and my book bag was stolen with credit cards, debit cards, business laptop, work laptop, keys, important information and two hard drives. I have contacted my agency regions bank and provided information but denied stating that I authorized the purchases.

I have submitted additional information and pending a response from agency.

5 Purchases= {$4700.00}
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank told me I have 60 days from XX/XX/XXXX to pay off a balance. They have called me 9 times since Tuesday XX/XX/XXXX and today is XXXX. This is harassment. I emailed them yesterday XX/XX/XXXX to stop contacting me about something I already know. I woke up today XXXX to a phone call. They keep calling and not leaving a voicemail. This is harassment. I have acknowledged multiple times to them about this debt and they continue to call and not abide by the XXXX rule. They are not following regulation F. If I need to sue them for harassment and bullying I will. At this point I have reported them for unfair investigation and now this???? This is not ok. If I end up in the hospital with my XXXX XXXX I will sue this bank for more than what I owe them. At this point td bank should be held accountable for their actions. Please make the harassment stop. They are not following regulations and rules. My debt should be deleted by them since they are law breakers. I will be contacting a lawyer for harassment.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi, this is in regards to my auto loan application that was denied on XX/XX/XXXX because the credit score was XXXX, and there were too many inquiries. However, when I look at my transunion credit score, it says it is XXXX. This score is based off XX/XX/XXXX. I have been monitoring my credit score and it ranged from 620-655. For the last 12 months, there has been only 4 inquiries. It does not exceed the maximum of 6 stipulated by the law. 
Currently, I have paid off all of my credit card debts except for two with a total of {$800.00} ( XXXX XXXX and XXXX XXXX XXXX XXXX The credit report and score they have is not up to date. I would be very grateful if you could review my application again based of the most recent credit score and the fact that i have made just four inquiries in the last 12 months not " too many as stated in the letter ''. I believe it is inaccurate. I would appreciate if they can correct this and send the information back to the bank to reconsider my application. Thank you.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

I just received my credit report and was shocked to find unauthorize inquiries and late payments on it. As you know, this is not something that should have been reported! 
The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all!

Also I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

My account was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family!
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (IL)

XX/XX/2024, I placed an electronic payment to my credit card. I was informed the payment would be on hold until XX/XX/2024. The payment debit posted to my checking account on XX/XX/2024. The card company is claiming this type of payment is out of the ordinary for me, which it is not. I have used the same checking account and same process for paying this credit card since it has been opened. Ive reached out to multiple representatives, who continued to repeat the same narrative of this is out of the ordinary, again my transaction history proves it is not.
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I made a request to Citizens Bank in late XX/XX/XXXX to have my Escrow account ( insurance & taxes ) removed from my mortgage account. And i paid the application fee for the removal of entire escrow account. However, i only saw my insurance account has been removed. I called the customer services 3 times since XX/XX/XXXX and this issue has not been resolved. And now they asked to pay another {$480.00} to remove the property tax from my Escrow account. The whole process is very confusing and frustrating.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CT)

I have three accounts with citibank, two checking and one savings account. Today I received a message stating that my online access to my account was locked and that I needed to call the fraud prevention line to unlock my account. When I called I was told all my accounts had been closed ( with my money in it ) did not not explain reason and that my money will be refunded in checks. I was due to pay rent today and now I do not have access to any of my funds. They will not explain, I have had my account with citibank since XXXX  no issue what so over. I have never been involved in any type of fraudulent behavior the source of funds for these accounts are direct payments from my employer. After I received no information or assistance from the fraud prevention team. I called the Citi Executive Response Unit spoke to Rep called XXXX and she opened a complaint for me REF # XXXX. I was due to pay rent today and I am not sure if the payment went through due to the unfair status of my account.
Consumer complaint received 2020-08-29
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: U.S. BANCORP (TX)

In XX/XX/2019 a payment was made through my bank bull pay system which was confirmed but in error never processed and I was never notified. By the time aware, payment issue resulted in late pay being reported. I have attempted many times now to have someone at Elan understand that while not their error, it was a bank error to which my bank admitted and provided a letter. I am only asking that someone at elan understand the issue, realize this was not a customer error, and in understanding the situation remove the late payment reporting. I have never had a 30 day late payment prior nor since. Elan did reverse a late payment charge, but that does nothing to update the impact the late payment reporting had on my credit. I am simply asking that someone at Elan take the situation, understand this was a bank error in processing my payment to them, see that I have never been 30 days late before ir since, and decide to take the appropriate and sensical steps to remove the late payment reporting caused by the bank error which the bank confirmed in the letter sent by them to provide to elan attached.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, PHOENIX FINANCIAL XXXX XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account :
Consumer complaint received 2024-03-03
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (FL)

I bought a XXXX prepaid visa card, debit Visa from XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX date of purchase was XXXX XXXX and time was XXXX. 
I loaded {$60.00} onto the card. The only purchase I made on the card was on XX/XX/XXXX for {$32.00} at XXXX XXXX. I didn't try to make another purchase till XX/XX/XXXX at XXXX XXXX. At that time only {$.00} came off the card and then it said insufficient funds. When I got home I checked the balance on their website, provided on the back of the card : XXXX at XXXX. There was a charge of {$27.00} to a XXXX XXXX, XXXX at a XXXX in California. When I looked it up, it appeared to be a clothing store in California and the charge was made online. 
So, I called the number on the back of the card to make a fraudulent claim for reimbursement. The lady who answered had a heavy accent, couldn't even understand her name. I had to have her repeat her questions many times. She took my name, email, and phone number down and said she was filing a case number. The case number provided was XXXX. She said it would take 45 days to reach a conclusion. So, XX/XX/XXXX came and went without resolution. No one got back to me. Upon going on their website again to check my balance, the website says down for repairs. It has remained this way ever since. It's now XXXX XXXX. 
Doing some research showed me many, many people with this same problem with XXXX of dollars disappearing. When they try to resolve online, they get the same message I did. Website down indefinitely after the card has been robbed of all the remaining money. Many stated that the phone number was attached to just another scam agency. 

I want to know how this is possible for a fraudulent gift card to be sold in various stores in various states and how to get my money back. Is a class action lawsuit possible?
Consumer complaint received 2021-10-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (WI)

I am writing about my problem with ncb management. I requested on XX/XX/2021 via email the verification of debt. I had spoke to a supervisor on the XXXX who told me to send a email with all the information I was looking for. So I did that and was told if I didn't receive anything within a week to call back. When I did I was directed to mr. XXXX who said he will be handling the matter from now on. He gave me his personal number to reach him. When I spoke to Mr. XXXX he stated that they sent a email to me and he provided the email address it came from and I told him I had not gotten any email. He said okay well I can send it to your address and asked for my address. I provided it and still didn't receive anything. I called on XX/XX/2021 and left a voice-mail for Mr. XXXX asking what the status of getting the verification as I still haven't received it. I still have yet to get a call back or verification of debt. I then sent a email inquiring about the verification of debt on XX/XX/2021. I still haven't received to response. I then sent another email on XX/XX/2021 telling them I would like to get the verification or debt and some sort of response. The reason I am asking for verification is because the original company I had the loan through agreed if I returned the car and paid them XXXX the debt was settled as they sold the car for over XXXX So to my knowledge it was completely settled. I then noticed on my credit report that i now have this huge debt with ncb management. I called XXXX XXXX  who said my account isn't open so they can't give me any details. So that is when I reached out to ncb management on XX/XX/XXXX. Mr. XXXX stated once I get the verification of debt that i could call him and he will discuss with me what he had sent. I feel this isn't right as I was told by the original company it was settled so I wanted proof of what I supposedly owed. From my understanding I was supposed to receive within 30 days the verification of debt and I haven't and the company isn't responding I will try to attach the emails to this so you can see i have been trying to communicate. My initial contact with them was through a employee named XXXX XXXX, every communication after was with Mr. XXXX, email and voice mails were left.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (GA)

Hello I Just Looked At My Credit Report And Seen Carmax Auto Finance Is Breaking Federal Law With Reporting Late Payments To Credit Reporting Agencies Which Is A Violation. Because Under 15 U.S. Code 1605 ( A ) If A Finance Charge Was Included Which Is The Sum Of All Payments There Should Be No Late Payments On This Account.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX  I received a call from a woman that said she was from US Bank fraud dept. Did I spend {$300.00} in Idaho? I said no ( but I just had been in Idaho ) She said your account has been tempered with and you are going to have to put a new ID and Password on your account. " I need to send you a code to verify it is you ''. US Bank always does that if I put in wrong password. Then she sent a code to my cell phone and said you are going to have to redo your app too. Delete your app and put a new one. 
" We want to protect so this doesnt happen again.? She asked me a couple of questions like secret questions I said " don't you have that there? she yes I need to protect you and change those. She was taking so long and I said " why is this taking so long '' she said it is my connection. Please be patient, this has happened to me too and I work in the fraud dept. When I hung up the US Bank sent a text that said " we just approved {$6000.00} on your credit card '' '' I called immediately and the bank told me it was a fraud and that they would put a hold on my account and to call the fraud dept in the morning. 
One of my friends called me and said " what is wrong with your phone I called and a man answered ( she called me on my landline. another friend called and said your mail box is full. I said " really I just called to check messages and it said I didn't have any. 
I went to Bank the next day Saturday and the manager XXXX XXXX pulled up all my transactions because usually they are not posted until Monday and there was a wire charge for {$30.00}. I said I have never sent a wire in my life. I also have never used the credit card. There was a cash advance for {$3100.00} and another for XXXX minutes apart. 
the bank told me that he would give me back the wire money and in the meantime the fraud dept would do an investigation. I was told to go to XXXX to have phone checked to see if there was any suspicious apps put on my phone. I went to XXXX the next day and XXXX found that there was a forwarding of all my calls to a XXXX money sent to XXXX XXXX XXXX XXXX to a XXXX XXXX. I do not know this person nor did I sent this wird. US Bank was denying my claim because came out of my checking account with my name on it. Since then there has been denial letters sent but I have not stopped calling fraud dept and putting claims in to XXXX  and XXXX XXXX and police dept.
Consumer complaint received 2021-10-06
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. (GA)

Hello I am asking you all to help XXXX with these accounts on my credit that are not mine. This is my second time reaching regarding this. Now some of the accounts did come off but there is still 2 accounts on there XXXX/XXXX and XXXX XXXX  XXXX . There are also several inquiries on there that I know nothing about XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, 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 , US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX. I'm also confused also on why there is a bankruptcy on my credit. I called the XXXX XXXX XXXX XXXX XXXX Court and they said they was not able to locate a bankruptcy with my social. They also stated that there is not way it should be on my credit because there is not one. She told be to call some place called XXXX XXXX and they also said the same thing that they were not able to locate a bankuptcy with my social security number.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (GA)

On XX/XX/24 Nordstrom Rack reported to XXXX, XXXX, and XXXX a 1 time late payment and my score decreased XXXX points with XXXX, XXXX points with XXXX, and XXXX points with XXXX. This was a big hit on my credit score. In XXXX, several of my creditors rechecked my credit score and as a result my account balances have been lowered on the following accounts : XXXX XXXX, Nordstrom Rack, and XXXX. Then my credit took another hit with each creditor because my credit limits decreased.
Consumer complaint received 2023-12-14
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. (OK)

I am writing to demand removal of a series of inaccuracies and Rights Violations XXXX, Equifax, XXXX and any other 3rd party agency, i am writing to demand removal of a series of inaccuracies and Rights Violations from my report. this is a violation of 15 usc 1681 ( a ) 4 and my right to privacy, will be forced to notify the CFPB and FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. require 1000 per day if this reporting continues. 15 USC 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with XXXX, XXXX nor Equifax and ANY sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.
Consumer complaint received 2021-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello I am asking you all to help XXXX with these accounts on my credit that are not mine. This is my second time reaching regarding this. Now some of the accounts did come off but there is still 2 accounts on there XXXX/XXXX and XXXX XXXX XXXX . There are also several inquiries on there that I know nothing about XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, 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 US SM BUS ADMIN ODA, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX. I'm also confused also on why there is a bankruptcy on my credit. I called the XXXX XXXX XXXX XXXX XXXX  Court and they said they was not able to locate a bankruptcy with my social. They also stated that there is not way it should be on my credit because there is not one. She told be to call some place called XXXX XXXX and they also said the same thing that they were not able to locate a bankuptcy with my social security number.
Consumer complaint received 2020-08-29
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: AFNI INC. (FL)

I have a loan with XXXX XXXX XXXX, AFNI , XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, AFNI , XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.