davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (FL)

I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed with XXXX, XXXX, and XXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.
Consumer complaint received 2017-08-15
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: MIDCOUNTRY FINANCIAL CORP (AE)

After a company has charged off your debt they have no permissible reason what so ever to pull a consumers credit. This is a clear violation of my privacy rights under the FCRA LAWS. on XXXX XXXX 2017, XXXX XXXX 2017 and onXX/XX/XXXX the company Pioneer Financial services deliberately violated my privacy rights under the FCRA permissibly reason to pull a consumer credit report being that I have no open account with them or any account in collections with them according to the notes on my file with this company and on my credit report.
Under the FCRA this is the definition of Permissible Purpose. Being that this company is not actively trying to provide me with credit, nor are the actively trying to collect a debt there is no reason for them to be pulling my credit. The accounts that I have with them currently are charged off as a bad debt and as a loss. They have not assigned a collection agency to peruse collections so as I stated they have no reason to pull my credit the three times that they have pulled it. This is abuse of power to cause harm to a person personal credit and I would like for them to be further investigated on my behalf. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit trans- action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have called Equifax 18 times each person puts me on hold or transfer me over and over they lie and now they have told me to break the law by calling my creditors and asking them to remove items off my report I have a split file and they are refusing to combine my report because they say it 's to long they have 52 lines so they are refusing me and my creditors access to my file which is against the law I am seeking legal counsel but until then I will use the platform as well as the BBB This is the worst company I have ever dealt with please help
Consumer complaint received 2017-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TSC Accounts Receivable Solutions (VA)

I received a phone call this week  (   XXXX   XXXX   XXXX  ) that I had an outstanding debt from  XXXX . However, I do not have any bills from the original company they claim to be collecting for to say that I owe anything. I have a screen shot from this my doctor stating that I have no outstanding bills.    XXXX   I have had the same phone number for a decade so they clearly did not try hard to contact me by phone before this point. During the phone call, I was NOT told that I could dispute the claim if I needed to. I have moved once but forwarded my mail and did not receive anything from them.
Consumer complaint received 2017-08-15
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)

I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Transunion is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (MI)

This company SANTANDER CONSUMER CO, has put an account on my credit file without my consent which is illegal and constitutes Fraud, .the reporting of this account is also in violation of FDCPA and FCRA rules and regulation and Copyright Laws.
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (TX)

XXXX XXXX at XXXX XXXX XXXX called me at work about a debt his company bought from XXXX XXXX. It 's the first contact I 've had with them. I do not know if this is legitimate, but being called at work is unacceptable.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Dear Consumer Financial Protection Bureau : Hello. On XXXX XXXX, 2017 in the MORNING, I transferred {$25.00} from my Savings Account to my Checking Account at Bank of America.
On the EXACT SAME DAY ( XXXX XXXX, 2017 ) in the AFTERNOON, Bank of America initiated an AUTOMATIC transfer of my {$25.00} back into my Savings Account WITHOUT my CONSENT.
On the following day, I closed my Savings account, but the money was NOT accounted for. Because of this Bank THEFT of my money, I incurred 2 OVERDRAFTS on my account and had NO MONEY to buy me something to eat and ride the bus. I had to walk 11 miles in the hot sun.
I would like to file a formal complaint against Bank of America for th THEFT of my money. I have EVIDENCE and DOCUMENTATION of the Bank THEFT.
Call me ANYTIME : XXXX ; Cordially, XXXX XXXX XXXX
Consumer complaint received 2017-05-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (MD)

1. I dispute d an amount of {$310.00} last year and was told it would be refunded to my account because I never received the item and it never was.      2. Here lies th e issue and below are the refunds that should be on my account because customer service screwed up my acc ount : Paypal   XXXX  refund should be account of {$91.00} interest reversed {$35.00} late fee reve rsed Total : {$120.00} reve rsed off acct PayPal  XXXX  refund should be {$100.00} interest reversed {$35.00} late fee  reversed Total :  {$130.00} reversed off acct  XXXX  refund should be {$100.00} reversed {$35.00} reversed  Total : {$130.00} reversed off account Total refund amount {$450.00} that should be applied to m y account, this is what customer service promised me and it was not done.        3. They have  been taking duplicate payments from  my PayPal credit a ccount and my bank account. This has happen numerous times. I am owed over {$5000.00} from this company
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer USA is reporting t o the credit agency that I am late each month and I am not late. They are reporting that my loan payment is more than what it is. I have try to credit this and the credit agency will not credit it.  XXXX  and  XXXX
Consumer complaint received 2017-08-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (FL)

FOLLOW UP TO COMPLAINT XXXX of X/X/2017. Further to my telephone call today, I was advised that an insufficient number of offenses have been committed and, therefore, not sufficient to raise the interest of CFPB, which intends to take no action and to offer no protection. The Equal Credit Opportunities Act ( ECOA ) requires that a decision be rendered within thirty days. By their own admission, The Money Source ( TMS ) has failed in this dury. Why did it take so long to recognise the Home Equity Loan, when all the relevant information was readily available? Why the lengthy delay from the time they reversed their decision until TMS issued their Adverse Action Notification? TMS responses have been conflicting, evasive and wholly unacceptable. As a Consumer Protection Bureau, TMS has neither fear of you nor respect for you. I need your protection and action. I need you to live up to your title. Please indicate your intended action. Failing appropriate action, I will have no recourse but to appeal to my Congressman ( XXXX XXXX ) to persuade CFPB to carryout their functions. XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-08-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (MD)

My attorney has been working on my behalf for a short sale. In reading the notes on the constant delays with Roundpoint my attorney escalated the issues to a supervisor " XXXX ''. Based on the notes my attorney was never advised about HUD revisions in a timely manner only that variance was needed from HUD. As a result of ROUNDPOINT not giving this information to my attorney they asked to speak to the processor directly. The supervisor XXXX rudely declined this request. WHY??? I am the homeowner and the attorney is working on my behalf. This is unacceptable.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

There is a hold on my checking account. I had n't been using the account when i noticed that it fell into a negative balance due to fraudulent charges. I reported this all to the fraud department at US Bank. They took care of the issues and fixed my account however an error on their end causes for my account to still have a hold. And they closed it right before it got resolved. Its not my debit card that has a hold. Its the checking account itself. I wo n't have access and have n't had access to my account in days.Which is no longer acceptable. I 've started a new job and my deposits will bounce back because they wo n't contact the case process worker to lift it.They keep saying that I 'll receive a call and I have n't. They tell me to call the branch and branch sends me back to the service center line. I 've spoken to over 20 representatives, each response different. My new debit card is activated and i ca n't even deposit or access my direct deposit. This is all unfortunate.
Consumer complaint received 2017-08-15
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. (TX)

I was trying to make a financial purchase only to be told that there were several collections from XXXX XXXX reporting on my credit file. I disputed the accounts directly with all three reporting agencies and XXXX and XXXX did investigate and they deleted the false accounts. Equifax however has not. There is no possible way that Equifax did a proper validation because I personally called XXXX XXXX and they confirmed that the accounts were not mine by using my social security number. The issue is on Equifax. They did not contact them and use my social security number or any other identifying information other than my name which is a common name. I had to apply for a new auto loan and the interest rate is high because they believe I am a high risk due to misreporting by Equifax. I have been trying to get this resolved for over a year. This is unacceptable and I want this XXXX resolved and removed NOW. I should not have to pay high cost interest rates because someone is NOT doing their job.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (PA)

When I applied for the Amex blue cash everyday credit card in the second week of XXXX, there was an incentive attached to applying for this card ( online ). The incentive states that if you apply for this card by clicking the link provided that you will recieve 10 % back at U.S resteraunts on the card within the first 6 months of card membership, up to {$200.00} back in statement credits PLUS earn {$150.00} back after you spend {$500.00} in purchases on the card within the first 3 months of card membership. I called AMEX in the beginning of XXXX inquiring about the {$150.00} statement credit in which I have spent well over {$1000.00} within the first month or so of membership with this card and payments in good standing, for a rep to tell me that it usually takes 6-8 weeks. I recently called again last week because that time frame is approaching only to be told that there are no offers attached to my card? This promotion is currently still running and appears frequently while I am online surfing the internet. It appears even if you navigate to the American Express Website as well. This offer was one of the main reasons that I applied for membership with Amex.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Stuart-Lippman and Associates, Inc (PA)

I have   XXXX   accounts  with Stuart Lippman that I d isputed, due to the fact that these are payments to an insurance company for money owed to credit unions. I currently pay this money every month to a clerk of courts. After I filed the original dispute back in  XXXX  around the  XXXX , of  2017 ,  XXXX  accounts were removed from my credit files. However, around  XXXX   XXXX ,  2017   XXXX  of the accounts were added back to my file without my knowledge.   In accordance with t  he requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency.
I received no such notifications  . This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Equitable Acceptance Corp (GA)

I have called the company numerous times. The account was paid in full in XX/XX/XXXX. The account was not established with a credit line. The information reporting is incorrect. The company refuses to update the information to show the XXXX balance. Therefore, it is still reporting as an open account and fully utilized credit. This is incorrect information and affecting my credit scores. Show as follows on my credit report : Equitable Acceptance Reported XX/XX/XXXX - 104 % Balance : {$1400.00} / {$1400.00} Overview You 're currently using 104 % of your account 's limit. Balance {$1400.00} Credit limit {$1400.00} Minimum monthly payment {$42.00} Opened XX/XX/XXXX ( 6 mos ) Payment History Youve made 100 % of payments for this account on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Charge Account Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0 See an error? You could dispute an error with XXXX. GO TO XXXX Creditor Information EQUITABLE ACCEPTANCE
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I have sent many letters explaining in DETAIL what personal information and accounts I want to be investigated. My request to be provided with the documents that Experian has in their files that you used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly delete all information which can not be verified. ''
Consumer complaint received 2017-08-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (IN)

Beginning in XX/XX/XXXX, I pulled my report to find ways to improve my credit score. As listed on my credit report, XXXX XXXX XXXX XXXX XXXX had issued a repossession with an open date of XX/XX/XXXX, first report date of XX/XX/XXXXand a status date forXX/XX/XXXX. I was a co-signer on the contract with my mother, XXXX XXXX. The original amount of the loan was for 65 months for XXXX . A new balance was reported as ofXX/XX/XXXX of XXXX $ .The car was originally totaled back in late XX/XX/XXXX. There were phone calls made to XXXX at the time of the accident to voluntarily repossess the vehicle, as early as XX/XX/XXXX. The car continued to sit in my parking lot wrecked until late XX/XX/XXXX, early XX/XX/XXXX. There was no correspondence from the company regarding any derogatory balances or communication confirming the repossession/towing of the vehicle. It was as if the car had disappeared from our lives, until just as recently as XX/XX/XXXX, where XXXX has been harassing my mother regarding payment ( although the car is totaled ) and has not sent any formal mailing obligating her or myself to this debt.
After sending my first dispute at the end of XX/XX/XXXX, I received a letter back from Bridgecrest, XX/XX/XXXX stating that they could not process my dispute because they did not have an updated/current address for me. After another letter was sent, ( still listing a current address ) I received a response dated for XX/XX/XXXX. It had my mother 's name listed this time, with the complete wrong address. ( The city and state did n't match the street address. The KY post office had to write the proper address info outside of the envelope to ensure it would be received. ) I then sent a 3rd letter regarding my request to show proof and validity of debt dated for XX/XX/XXXX to the credit bureaus directly, asking for proof of this debt. I only received respsonses from all 3 bureaus with statuses left unchanged and refusal to dispute further.
I have since contacted my local law enforcement to determine if there was a formal repossession report filed with my county by law, and of course, there was no record indicating this event.
Please refer to the article you all had published, concerning XXXX and their debt collection practices. The parameters of this civil suit matches my situation and I am looking to seek a solution ASAP.
https : //www.consumerfinance.gov/XXXX
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. This is all from XXXX Credit reporting.
Consumer complaint received 2016-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MO)

Specialized Loan Servicing LLc sent me back a check ( copies enclosed ) for a payment to be added to Payments in suspense. My modification was was based on the amount of an old insurer, and has not been changed, new insurer is half the cost of previous. enclosed is copy of trial modification. Now I am in fear that I will lose my modification. I have had this problem with SLS in the past.