davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc. (TX)

I had a XXXX in XX/XX/XXXX ; on the same day, someone had a XXXX at the same facility. I paid in full, in cash, on the day of XXXX. Over a year later, the facility merged the liposuction patient 's account into mine and began billing me nearly $ XXXX for a XXXX I didn't have. I contacted them and sent a copy of my receipt, my admission form, and even an affidavit from my surgeon that the XXXX I had was a XXXX. They simply took the receipt for my payment and deducted it from the amount owed for the other patient 's liposuction and billed me again. I responded every time, sending the documents over and over. In XX/XX/XXXX, the facility sent the account to Credit Counsel , Inc . Same routine -- I sent the same documents in response to every contact, including the statements from the facility showing that they were billing me for a XXXXy when I had a XXXX. This week I tried to buy a house, and my credit report had dropped from XXXX to XXXX because the debt collection agency had filed a negative report despite having received proof that the debt was for a different XXXX than the one I had. I called the collection agency this morning, and they said I owed {$200.00} for overtime for a XXXX, but I had sent them the statement from the facility showing they were billing me the balance for a lipectomy. In sum, and despite proof that this is not my medical bill, I have been denied a mortgage because I would not subsidize a stranger 's XXXX removal.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2018, I received a Capital One credit card on my name I never applied for. I called Capital One, I was told the account was closed. I called and made an automatic report to XXXX
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The company name is Capital One : I inquired on XX/XX/XXXX as to the reason my account was overdrawn, I saw a membership fee of {$39.00} & a interest accessment of {$9.00}. This caused my account to be over drawn by {$22.00}, I called the office on the date above and the representative informed me that because they valued me as a customer that the interest fees and membership fee would be reversed by close of business on Monday the XX/XX/XXXX, I waited until Tuesday the XX/XX/XXXX and noticed that the charges were still there. I called in and spoke to XXXX XXXX ID # XXXX, she stated that she could not reverse charges even thought I was told that they would be, I requested to speak with a supervisor, I got XXXX XXXX ID # XXXX who identified herself as a supervisor. She stated that she would resolve the issue and said she was sorry for the inconvenience, after waiting on the phone for over 45minutes, she stated that their was nothing for her to reverse and she was the final word on the matter. I requested that the recording on the XX/XX/XXXX be reviewed, she said she would do it for training purposes only. 
I told XXXX XXXX I was filing a complaint, I asked to speak to someone higher up in here office, she stated that she was the final word on the matter.
Consumer complaint received 2018-05-24
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: DISCOVER BANK (FL)

I had lost my Discover it card back in XX/XX/XXXX and had called Discover to replace it. I could not login into my account to check my payment status. I had called Discover customer service to resolve the issue, and they assured me I had automatic payment setup in XX/XX/XXXX, and also sent me out a new card. Later, when regaining access to my account I saw I had missed XX/XX/XXXX payment and immediately made it. I had called Discover and asked how come my payment was not taken out, and they said it reset itself after a new card was sent out. I was concerned about a 30 day late showing up on my credit reports, but they assured me I had the late payment forgiveness, and to check my credit reports and if it did show up to call them immediately and they would resolve it.

The 30 day late did show up all 3 credit bureau reports, and I had called Discover back to find out if they would honor their late payment forgiveness. They said the late payment forgiveness is only for late fees, and not for what they report to the credit bureaus. I felt this was misleading as nowhere when they advertised this product in XX/XX/XXXX when I had signed up about this being the case with the late payment forgiveness. I have an excellent record of zero late payments on my credit reports, and assured Discover this does not reflect my record of making on-time payments. I had requested a good will adjustment due to Discover advertising the late payment forgiveness, and in respect to the fact I have always had on-time payments hoping they would honor the request. Discover will not work with me in addressing the 30 day late on my 3 credit bureau reports, and that mistakes on their part regarding their representatives assuring me my auto payment was setup, and how they would resolve my issues with the reporting of the 30 day late to the credit bureaus were not their fault and is my responsibility.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Company is reporting a fraudulent account that doesn't belong to me and they will not remove this incorrect fraudulent account obtained and use by someone as I'm a victim of identity theft Experian previously removed this account and it was handled and then just randomly they put this account back on my credit file. 
I have sent them police reports and notifications for removal again and they have not notified me of the results and it has been well over 30 days and they are not properly handling this This is not being handled and needs to be removed immediately from my credit file as it violates many rules and regality ons and Experian should be fined and penalized I will be filing additional claims on this until fully resolved
Consumer complaint received 2018-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

Collection Agency : Credit System International , Inc., XXXX XXXX XXXX, XXXX, TX XXXX. 

When it comes federal laws, they are written to protect consumers from unlawful business practices from agencies such as. I was not given sufficient time during the dispute process to get as much information regarding a medical debt. My understanding, I had already took care of matters with an XXXX. That was collected at the time of service XX/XX/XXXX. CSI sent original letter dated XX/XX/XXXX. I disputed the claim because I didnt know what debt was for. By law a consumer has up to 90 days at the time collection agency makes contact regarding an outstanding debt, before any reporting to the credit bureaus negatively. Federal Credit Reporting Act under The Federal Commission, section 623. CSI reported negatively to the credit bureaus while this matter was in dispute. The have violated my rights under the FDCPA and FCRA. I value my credit, and anything negatively reported should be removed. 

Please assist in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (AL)

Enhanced recovery collection agency is trying to collect a debt from XXXX that I do not owe account # XXXX for XXXX as well as re ageing the debt to make it look newer on my XXXX credit report I have tried with no avail to convalescent this to them. This illegal debt collection needs to be stopped and deleted or legal action against the collection agency and XXXX will be my next course of action.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have filed a dispute in regards to the the incorrect items on my credit report with XXXX, XXXX, and Equifax on XXXX XXXX. It has been well over 30 days. I received results from XXXX  on XX/XX/2021. I have not yet received any investigation results from XXXX  or Equifax.
Consumer complaint received 2018-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XX/XX/XXXX I sent money to a friend through MoneyGram. The MoneyGram representative at CVS was not able to complete the transaction because of lack of funds at the store. The CVS representative tried to split the payment between cash and a money order. The CVS  representative completed the transaction three times voiding all three transactions. After realizing CVS could not complete the transaction my friend went to XXXX to complete the transaction. XXXX informed my friend that he had exceeded his transaction limits. I contacted MoneyGram and they informed me that I would get a refund I could not correct CVS  's issue. They told me that the information was in the terms and conditions but it was not available when I signed online to send the money to my friend. On XX/XX/XXXX approximately 4 hours after the transaction I contacted my bank and MoneyGram to get a merchant reversal authorization. MoneyGram refused to do the merchant reversal authorization and told me it would be 3 to 10 business days from the date of XX/XX/XXXX. Both CVS and XXXX who represent MoneyGram we're unaware of the 3 transaction limit. The CVS manager felt bad that she had made the mistake that she did and could not get it corrected through MoneyGram either. It would appear that MoneyGram is trying to earn the interest off the money that was sent while I am left without the money and my friend is unable to receive the money. The lack of disclosure for the three transaction limit per day clearly violates some rule somewhere and weather at your agency or another agency can do something about this I will complain until they make it very clear to all their representatives that represent their company the rules and regulations and which is you applied to those thank you very much.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

All Credit Bureau reporting companies including XXXX, XXXX  and XXXX  are not doing the public fair service. They make up false statements about a persons ability to pay back the unsecured loans. The Banks offer all kinds of credit when you dont have anything borrowed and then squeeze the door shut and blame it on the Credit Unions. If you know anything about the Mortgage Backed Securities fraud during XX/XX/XXXX-XX/XX/XXXX Financial crisis the CREDIT AGENCIES FALSLEY RATED THESE SECURITIES. So the same thing is happening to consumers and I want an thourogh investigation into this practice. XXXX XXXX XXXX is responsible for some of my anger and have opened up an investigation of their own underwriting practices # XXXX  where I tell them that I have a $ XXXX/ month income with a current Credit Card debt with payments of approxiamately $ XXXX/ Month and when asking for a credit limit they come back with false excuses on how they can not even temporialy raise my credit limit.

This in itself is FRAUDULENT and UNETHICAL.

Please call them on my behalf.
Consumer complaint received 2018-05-24
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: EQUIFAX, INC. (SC)

I have a total of 15 hard inquiries reported by equifax of the following I do not recognize or gave permission for these companies to pull my credit XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX JXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX  XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.
Consumer complaint received 2018-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/18, I decided to open a new bank account with Simple. I currently have an account with Capital One 360. Once the Simple account was opened, obviously I wanted to transfer funds over from my Capital One account however I received the message " Capital One is blocking you from enabling external applications ''. I called Capital One customer service to see if this could be bypassed and they simply told me there was nothing they could do because it's a " newer technology '' despite Simple being around for several years now. I understand this may be a security measure, but there's no reason they should get to decide for me what I can and can't do with my financial data.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Experian Account Dispute # XXXX filed with Experian on XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Estimated completion date XX/XX/XXXX. A request for proof of debt to include a complete breakdown of account number, money owed and details for all debt were requested. Dispute results became available on XX/XX/XXXX showing balance due of {$540.00} but no information for me to claim or correct this debt. Unsuccessful attempt to pay this debt was made on XX/XX/XXXX resulting in being referred back to the City of XXXX to obtain proof that this debt is valid. XXXX XXXX XXXX will collect my money but can not prove to me that this debt belongs to me. This debt clearly does not belong to me and it is now past the 30 days required for them to provide me with this information. I am requesting that this debt be cleared and removed from all credit reports.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (IN)

Back in 2007, I got a payday loan, at XXXX, in XXXX, Indiana, I paided all the installments, except for one, so they reported me to an debt agency, so ever since I didn't pay the loan last installment, I couldn't get a loan, so two years ago I paided the balance of my debt off, of {$85.00}, through my bank account, etc ... .... & Now still to this day I can't get a payday loan, because the debt agency, of XXXX, haven't fix the problem.
Consumer complaint received 2018-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear XXXX, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX/XXXX  XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NY)

XX/XX/XXXX credit reporting shows account open. 
XX/XX/XXXX credit reporting shows account closed and states that a foreclosure action has begun, Which is incorrect, the foreclosure action what started XX/XX/XXXX. 
XX/XX/XXXX credit reporting states they count remains closed. 
XX/XX/XXXX credit reporting shows that the mortgage account had been removed from my credit report, even though the foreclosure action was still in litigation in court. 
I have requested from Ocwen loan servicing accounts relationship manager, XXXX XXXX, to investigate why the account was closed and removed from my credit report. At present a formal investigation has not begun and it XXXX XXXX insist that the account is still open and litigation remains in court.
Consumer complaint received 2018-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

I am filing this complain against lender, Sun West Mortgage Company , Inc. with business office at  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX failed to pay the second installment of my realty property tax which was due XX/XX/2018. My mortgage payment included payment for impound to pay for homeowner insurance and property tax. I came to know this event from the XXXX XXXX in XXXX, CA that sent property statement telling me that the second installment of property tax was delinquent subject to 10 % penalty. The property address if XXXX XXXX XXXX, XXXX, CA XXXX and the loan number is XXXX. I called the company and spoke to XXXX with no further action on company 's part to pay the property tax. I am very concerned that Sun West Mortgage Company is misusing the impound funds for their benefit. There was no reason for the Sun West Mortgage to fail to pay the property tax because they are in possession of the impound money that I pay monthly to them along with my mortgage payment. The lender acted negligently in failing to inform me of their decision not to pay the second installment of the property for XXXX. Since XX/XX/XXXX to this date, lender Sun West failed to pay this property tax
Consumer complaint received 2018-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last XX/XX/XXXX, I sent a request to TRANSUNION to investigate on account XXXX. It's been more than 30 days now and I have not received any proper debt validation documents from the original creditor. Moreover, After more than 30 days, what XXXX did is add another account to my credit report, reporting that the account was opened/sold to them last XX/XX/XXXX with a balance of {$290.00}. Both the newly added account and account XXXX seems to be OUT OF STATUTE and had been inserted on my credit report after the statute of limitations expired. I understand that they can report accounts for seven years, but it is a violation to report/insert an account after the statute of limitations. Furthermore, more than 30 days have passed and the XXXX was not able to provide proper debt validation documents to prove the validity of these items. Both XXXX ad TRANSUNION definitely violated FCRA and FDCPA. This is my last resort before I get a legal counsel involve.