davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Service Bureau, Inc. (KS)

I have a medical debt that was referred to Midwest Service Bureau. Per my request, I had my son contact the doctor to advise it would be paid on or before XX/XX/XXXX, as the debt is disputed and if my insurance did not pay more, I would take care of the bill on or before the XXXX of XXXX. 

I had my son attempt to contact Midwest Service Bureau on XX/XX/XXXX after he spoke to the original creditor and came to an arrangement with them. Even though I was still within my 30 day validation period I was coerced by Midwest Service Bureau because of their policy that they sue all former employees and relatives of former employees. 

My son contacted Midwest Service Bureau and spoke with XXXX XXXX and XXXX XXXX and attempted to tell them that the account was disputed that they did not have to give him any information but in align with the XXXX decision, he simply wanted to vocalize the dispute and offered to tell them on voicemail. As he was telling XXXX XXXX this, she hung up on him a clear violation both of the XXXX decision. 

If it were not for this coercive policy of taking all relatives of former employees to court that took away might rights guaranteed under both FDCPA and the Kansas Consumer Protection Act, I would not feel so pressured to come up with this money. I have come up with an agreement with the holder of the account, but it does not excuse the abusive collection tactics employed by Midwest Service Bureau and its agents. 

Further, the fact that I am being coerced into paying this due to my son 's being a former employee shows that there was a clear conflict of interest in this case. When the account was turned to Midwest Service Bureau they should have sent it back because of the conflict of interest instead of engaging in the coercive and discriminatory techniques that they regularly engage in.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (CO)

I have recieved 3 SEPERATE overdraft charges for {$20.00} each totaling {$60.00} and even tho I have correctly abided by the overdraft policy by paying back the overdraft amounts by the next day, I am still being charged the overdraft fees and after speaking to two representatives and one supervisor I am still unable to recover these incorrect fees.
Consumer complaint received 2021-10-27
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. (IN)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (NV)

In reponse to my initial complaint against Automotive Credit under complaint # XXXX, Automotive Credit admits they no longer hold ownership of this account and they admit to selling the account to XXXX ( debt buyer ). However Automotive Credit is still inaccurately and illegally reporting a balance due on my credit report. I no longer owe Automotive credit any balance because the balance was sold and to be collected by XXXX ( current owner of sold account ). Since there is no obligation to pay Automotive credit and the obligation is now to pay XXXX, it is illegal according to the FCRA for Automotive to inaccurately report I owe any balance to them when the balance is actually owed to XXXX.
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX and XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to XXXX10 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
GM FINANCIAL XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Consumer complaint received 2021-10-27
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. (GA)

For the past couple months I have been challenging a bankruptcy that was put on my Transunion credit report that does not belong to me. They have sent me letters saying such bankruptcy was verified through the court system as well as a for profit company known as XXXX. I have reached out to those companies myself and they have stated that not such information was given to any credit bureaus. So i decided to file a report with the CFPB in regards to Transunion unethical reporting standards.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

The website shows reates as low as 4.125 %. I have near perfect credit ( lowest score XXXX ) have 20 % down ( documented funds for more ), yet the offer came in at 5.375 %. 

I asked why and was told they would rate match, yet they came back with the same rate even though another company offered 4.5 %. 

I have asked for an explanantion as to why they would offer such a high rate
Consumer complaint received 2018-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/2018 n XX/XX/2018 I made a 2 transaction to a person named XXXX XXXX email XXXX n XXXX XXXX XXXX. Transaction over a Bday gift for my son ( XXXX tickets ), {$500.00} each transaction a total of {$1000.00}. We kept in touch for over a week in a half, n suggested using XXXX since it was going to be faster n have statement over the transaction. I send her the 1st transaction which she told me she received n stated they were reserved following by the 2nd transaction she would send the tickets instantly to my XXXX. I never got them. I have been sending her messages over messages n nothing she doesnt reply. Called the bank XXXX XXXX n said they couldnt do anything cause XXXX is involved, called XXXX they dnt have human working their operating system n their options have nothing to do with this. Emailed XXXX n thier response to call my bank provider which means its a back n forth situation without resolving anything. XXXX is financialed by XXXX XXXX n many other banks, only banks owned by XXXX can operate it. They should know where the money goes. They should be able to track it. I as parent work so hard for this n for XXXX to just clean their hands n do  nothing.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have a Capitol One Visa account ( ending in XXXX ) which I pay in full with monthly automatic payments from my Capitol One 360 checking account. On XX/XX/2018, I paid the pending XXXX amount due ( {$6900.00} ) because I knew I wanted to make another charge which would take me over my limit ; I also paid an additional {$1.00} which I had charged. A few days later I noticed the Visa account showed the XXXX amount due as still scheduled for payment. 
So I called Capitol One Visa at XXXX ; I reached a young man who blithely insisted Capitol One Visa would never take money from my checking account if it had already been paid. He insisted there was nothing I could do to get that algorhithmically-generated amount deleted, but dont worry! 
On XX/XX/XXXX I find an email telling me Capitol One is taking the money. On-line, I, indeed, see that Capitol One has withdrawn {$6900.00} from my checking account -- although I had paid that amount on XX/XX/XXXX. 
At the same phone number multiple first-name only " supervisors '' tell me it will take five days to refund my money. And they say nothing about interest which they owe me on either the amount I paid XX/XX/XXXX or on the amount they removed in a microsecond on XX/XX/XXXX. I ended up talking with a XXXX. She insisted Capitol One Visa procedures can not be over-ridden. 
So, Capitol One Visa gets use of my {$6900.00} from XX/XX/XXXX through XX/XX/XXXX, then gets use of another {$6900.00} from XX/XX/XXXX through probably XX/XX/XXXX. And I don't earn any interest which would have accrued had Capitol One Visa handled the financial transactions correctly. 
There are computer programming failures here as well as training issues for employees who answer phones and give information.
Consumer complaint received 2022-10-18
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: ENCORE CAPITAL GROUP INC. (SC)

I have disputed with this company-Midland Credit Management and to no avail. Their response was, " the consumer disputes this account information '', without giving any response as to how they obtained my personal information. This company has been erroneously reporting my credit file for 3 yrs and 4 months, alleging that there's 2 debts owed. With the help of the credit bureaus, I have obtained past and current reports that indicate changed information and incomplete information for alleged debts. I have also obtained phone records where this company has called me several times and hung up. This is considered harassment and as advised by the FDCPA is a violation to my consumer rights, also still alleging that debts are owed that has passed the statue of limitations without providing proof after disputes.
Consumer complaint received 2022-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

XXXX was called by Toyota Financial attempting to collect a debt. Informed them I was not the person they were attempting to contact. Attempted to gain personal information about me ostensibly to verify this. Refused to provide them my information. They claimed they removed the number from their records and I would not be called again. 

XXXX was called again by Toyota Financial XXXX was called again by Toyota Financial.
Consumer complaint received 2022-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have requested a Signed contract between me and the so called merchants from XXXX, XXXX, Capitol One, XXXX XXXX XXXX and XXXX XXXX 
I have been physically XXXX since XX/XX/2013, I have not worked and I have been on XXXX XXXX since. I do not have the resources to apply for a credit card. I just found a program that helps XXXX purchase used vehicles and because of this fraud under my social security number, I am having a very difficuIt time. I have my XXXX XXXX letter and timeline of Social Security as evidence.
Consumer complaint received 2022-05-02
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. (VA)

In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX Acct # XXXX has violated my rights by reporting 30 days and 60 days late. 

XXXX Acct # XXXX, XXXX, XXXX has violated my rights for continuing to report a closed/settled account. 

USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-27
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. (TN)

Hello, I have submitted a previous complaint with Equifax on XX/XX/XXXX, the complaint ID was XXXX and is incorrectly marked as closed. 

They responded saying they had mixed reports for my information and needed me to mail more information to them. 

I then sent them printed copies of all my information and sent them over with a printout of the report and still have not heard back from them. They also marked the case as closed when it was supposed to still be open. I have paid and checked my credit report and the problem still persists 53 days since I filed the first report. 

My issue with this is that the other credit bureaus, that had the same error on the credit report, we're able to correct it without needing me to send more information. I sent them all the same details and they all had the same information on me from their end. After sending Equifax the information they requested, they still have failed to contact me back on the status of this issue and when it would be resolved or failed to correct my statement when they said the case was closed. 

I don't think they realize that this false claim on my credit report is hurting my score by XXXX points. 
It is a very serious issue and I really hope it wasn't lost in the mail. Furthermore, both other credit bureaus were able to remove the false claim on my report without any question or difficulty. 

I believe that they used this response method ( that I needed to send more information ) to get out of actually fixing the error and then claim that they resolved the issue in order to get out of getting in trouble with CFPB. 

It has been well over 30 days since I filed the initial report and sent the mail of my " needed extra information '' in priority shipment. The other reports all got the false inquiry removed on XX/XX/XXXX exactly one month after submitting my complaint. 

I still can't apply for any credit or anything else that needs credit approval until this false derogatory remark gets removed. 

If you could please help me with getting this moved along and actually resolved that would be a huge blessing.
Consumer complaint received 2018-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

An interactive website of Bank of America ( BAC further ) recommends me to apply for credit cards as limited time offer ( screenshot is attached ). And on XX/XX/2018 I submitted my application. In a few minutes later I was informed that BAC needs to gather more information to make a final decision. 
On the next day, I expected that someone from BAC will reach me either by phone or email to gather more information ( proof of employment etc. ). No one contacted me. On the next day I have reached BAC customer service and asked about my application status and explicitly told that if there are problems with my application, - I would like to withdraw it. Customer service representative placed me on hold and then transferred to another person from the credit card department. He told that he reviewed my application and denied it since I have filed bankruptcy within recent two years.

I am not criticizing this BAC policy and accept it. However : 1. If my application is clear reject why I received a message about gathering more information instead of receiving an honest answer right away?

2. BAC system is fully aware of my finical situation ( I have here direct deposit and Platinum tier of Preferred Rewards ). Why BAC interactive website offers me limited time offers that by default will not be approved? It is like advertising an alcohol to underage kids or ice cream for diabetics. Unethical.

3. My request to withdraw my application - if something is wrong- was neglected. Why? I have clearly expressed it.

4. I was not aware of this BAC policy since limitations/restrictions were not posted by BAC in credit card advertisement page.

In the summary as the result of BAC misleading advertisement - I received the negative record, FICO score drop, 2 days of waiting and frustration. All of this was possible to prevent. 
Even after my application rejection, the BAC system continues to offer credit cards to me.
Consumer complaint received 2018-12-17
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: Experian Information Solutions Inc. (CA)

I HAVE 5 MEDICAL COLLECTIONS FROM XXXX XXXX XXXX  ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX  IM DISPUTING THESE ITEMS BECUASE THEY SHOULD NOT BE ON MY CREDIT REPORT, THESE ARE MEDICAL BILLS AND PER HIPPA LAW THIS COMPANY IS IN VIOLATION OF THE HIPPA ACT. A DOCTOR OR HOSPTIAL IS NOT SUPPOSE TO SHARE MY MEDICAL RECORD WITH ANYONE WITHOUT MY CONSENT. PLEASE DELETE FROM CREDIT REPORT BEFORE I SUE.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

A Mortgage held with Mr. Cooper includes escrow for property taxes and homeowner 's insurance. A check for {$3000.00} was sent on XX/XX/XXXX by Mr. Cooper via their tax service, XXXX, to XXXX XXXX XXXX to pay taxes. I followed up to make sure the payment was received. XXXX XXXX XXXX informed me on XX/XX/XXXX that they did not receive this payment. I called Mr. Cooper XX/XX/XXXX @ XXXXXXXX XXXX   and spoke to XXXX Emp. ID # XXXX ( number given to me upon request ) who informed me that she would check with the escrow dept. and I should call back in24 hours for an update. I called Mr. Coopper back XX/XX/XXXX @ XXXX XXXX  and spoke to XXXX Emp. ID # XXXX ( number given to me upon request ). XXXX informed me that Mr. Cooper has requested a copy of the cleared check from XXXX and I should call back in 3 business days. I called back XX/XX/XXXX @ XXXX XXXX and spoke to XXXX XXXX, who when asked for an employee ID #, told me that she didn't have one. She told me that the request would take 7-10 days. I explained that was unacceptable and asked to speak to someone that could escalate this request. After a lengthy hold and 3 attempts to get me off the line, I was finally greeted by XXXX XXXX in the Escalation Dept. XXXX told me she would escalate this request and would have an answer for me in 2 days at the maximum. She left me her direct # of ( XXXX XXXX XXXX. Two days later I received a message on my voice mail from XXXX in the escalation dept. she stated that XXXX XXXX did receive a payment for the taxes and that the issue was resolved. I then returned her call and told her the payment that was received by XXXX XXXX XXXX was the payment the title company sent, not the check Mr. Cooper sent, and asked her to continue the investigation and we would still need proof of payment. I called back and left messages every day for 3 days with no reply from XXXX. On XX/XX/XXXX I left her a message that if I didn't receive a reply then I would be filing a complaint with the CFPB. I still have yet to hear from XXXX. 

The reason this is so urgent is that the consumer is waiting on these funds to be applied so that we can refund the funds held in escrow to pay the taxes. The amount is {$3000.00}.
Consumer complaint received 2018-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Service (ID)

Action Collection Services out of XXXX, Idaho has called me numerous over the past two years and have now started calling again. I have started to not answer the calls due to the amount of times the employee of the company calls me. Every time that he has called me he will not tell me the amount of the debt, who the debt originated with and what date it originated or give me a reference number or put me in contact with a supervisor. He calls every six months and will call not only my cell phone but will call my office as well every day numerous times a day. They have never sent me any paperwork about this so called debt, so I can't dispute it even if I wanted to. He will also tell me that I have a judgement against me for this so called debt and that it is on my credit report ( there is no judgement or debt being owed on my credit report ). This man is rude and angry when he calls and I repeatedly tell him that I do not know what it is that he is talking about it.