davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Credit Service, Inc. (MI)

I want this company to Cease any communication and NEVER contact me again. I'm XXXX with other health issues so i don't need any of their UnNecssary Stress or Headaches i've endured on my health including having an XXXX XXXX. It should be against the Law for any debt collection company or any company to call use scare tactics, threats, and abuse a XXXX person over the phone for an account from 20 years ago then when you tell them you filed Bankruptcy they become vulgar and nake threats the way these people talk the way they did to me and i had every right to defend myself and i was provoked in saying the things i did. On XXXX i received a call from XXXX XXXX. The first person i spoke to said he was calling about a credit card debt for XXXX XXXX   who isn't in business anymore. I told him i filed Bankruptcy a year ago he then told me i was Lying and i don't pay my bills and i didn't include them in my Bankruptcy. I told him to give me their information yet he refused. I then asked for a supervisor who was even worse and he wouldn't give ne his name or their address and he in fact told me i was Lying about the Bankruptcy and i told him i never even heard of their company then he became very Vulgar telling me i'm Lying about getting their letters and i know i got them so i need to tell the Truth. Then this so called supervisor told me i don't pay my bills and i informed him the debt he is calling about is way past the Statue Of Limitations from 20 years ago and i need to pay my bills. He wouldn't give me his name or their address then he continued to make vulgar comments telling me i'm Lying and i know i got their notices he even claimed i never included them in my Bankruptcy and i informed him their company have never been on my credit reports he then tells me if you paid your bills you wouldn't have filed Bankruptcy. The third XXXX i spoke to was very rude as well and he refused to give me his name or their address. He told me when i get home call and give me my Bankruptcy file number and told me if i filed i would know the case number and i told him if they were a Legitimate debt collection agency they would know they can't just talk to people any kind of way or make threats to you or about your credit report and any company like XXXX XXXX need to be shut down. I also would like to know how i can take Legal Action against them.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2018 I called XXXX XXXX XXXX XXXX and requested my XXXX and transunion credit reports both of which I am entitled to free.It is now XX/XX/2018 and I have received neither. I called the above given number to check on the status of mailing of these reports and there was no such function.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CO)

I applied for a Barclays Arrival Plus card earlier this year. I was not immediately approved. In fact, it took SO LONG for Barclays to approve me, that I was back from the vacation in which I'd planned to use the card before I even received it ( 10 day vacation -- not a weekend trip ). When I was approved for the card, the value of the welcome bonus was XXXX points more than it was when I applied. 

Again, when I was actually approved, the welcome bonus was higher. 

I contacted Barclays and asked, as a ( very ) basic courtesy, if they could match the new bonus given how long it took them to actually approve me. 

Customer service provided zero actual service ( zero service at all on the part of one manager, 'XXXX ' ). All I'm asking is for them to honor the bonus that was available when I was FINALLY approved -- and the reason approval took so long was entirely on their end, not mine. If they'd approved me immediately this wouldn't even be a question.
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

The escrow calculation at Nationstar/Mr. Cooper is flawed. Their analysis takes place in late XXXX ( XX/XX/XXXX in my case ) where they look back at any payments from XX/XX/XXXX to XX/XX/XXXX. That analysis doesn't account for payments made after the analysis ( i.e. payments made for XXXX ). The balance forward analysis, used to calculate any projected escrow shortfall, utilizes the ending balance from the XXXX to XXXX analysis, which starts with the XX/XX/XXXX payment. This again doesn't account for XXXX payments made in after their XX/XX/XXXX analysis date. In order for their analysis to include a XXXX payment the borrower would have to make that payment 30-45 days in advance. 

In short their analysis forces borrowers into an escrow shortfall situation by not accounting for late XXXX payments.
Consumer complaint received 2017-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nations Recovery Center (NJ)

I filed this complaint as a victim of financial fraud. 

1 ) In a class action case known as XXXX, XXXX. al. v. XXXX XXXX XXXX XXXX et al., XXXX XXXX. XXXX ( S.D. Fla. ), the plaintiffs alleged that XXXX engaged in breaches of contract, breaches of implied covenant, and violations of the unfair and deceptive acts and practices statutes of various states, among other matters, in connection with marketing and administering XXXX XXXX XXXX. The lawsuit was settled on XXXX XXXX, XXXX with the loss of XXXX XXXX XXXX XXXX XXXX. ( Attachment included ) 2 ) As one of the plaintiffs of this class action lawsuit, my XXXX account was cleared, I owed no money of this account. 

3 ) During the course dispute with XXXX XXXX XXXX XXXX, unlawfully, XXXX called my neighbor asking me to pay them. ( voice recorded from my answering machine attached ) 4 ) XXXX  XXXX XXXX XXXX, XXXX. unlawfully suing me for this Chase account for the debt that I never owed them and a judgment was placed on me on XXXX/XXXX/XXXX to be expired on XXXX/XXXX/XXXX ( attachment included ). XXXX and XXXX, XXXX  Counsellors At law is the attorneys for NEW CENTURY XXXX XXXX, XXXX who sued me. ( Attachment included ) : XXXX AND XXXX, XXXX XXXX AT XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX Telephone : ( XXXX ) XXXX 4 )  Last week, Ive received a letter from the debtor who bought the fraud loan from XXXX XXXX XXXX XXXX, XXXX signed by XXXX XXXX XXXX from NATIONS RECOVERY CENTER, INC. demands me to pay the amount of {$4700.00} that Ive never owed them. XXXX XXXX included XXXX : XXXX XXXX Nations Recovery Center, Inc. 
XXXX XXXX XXXX XXXX. 
Telephone : XXXX File XXXX I need your help to resolve this fraud created by XXXX XXXX XXXX  XXXX, XXXX, XXXX AND XXXX, and NATIONS RECOVERY CENTER, INC. This has been dragged on and aggravated me for 7 years, since XXXX. 

Thank you and I much appreciate your help. 

Sincerely your,
Consumer complaint received 2022-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (DE)

I had a remaining balance of $ XXXX {$40.00} for my Victorias Secret credit card, I went in store to pay the balance and close my account. The stores data base happened to be down and I was told my payment would be reflected once up and running. Since the data base was down I also did not receive any form of RECIPT or documentation stating I closed the account. Unfortunately, my payment was never reflected and I am now getting serial notifications about an account I already closed. This is negatively effecting my credit report and prohibiting me from credit eligibility. This needs to be resolved as soon as possible and if I continue to wait for disputes that take 30+ days my credit will continue to be negatively impacted.
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

Credit Collection Services sent a letter to my address dated XX/XX/2022. I have no relationship with this company and I have not given them my personal information. Pursuant to 15 USC 1692j, Credit Collection Collection Services may not furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. The debt collection letter they mailed me says they are collection a debt for XXXX but the address on the letter is Credit Collection Services letter and they are asking me to send them money.
Consumer complaint received 2022-06-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

XX/XX/22 Company informed me it would take up to 30 days today is XX/XX/22 and I have yet to receive a response I demand all accounts be Deleted from consumer report company has not provided me with any written instructions from I the consumer in fact giving Experian permission to furnish any of the listed accounts I must remind Experian that congress has made it very clear in 15 USC 1681 that " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' so if Experian wishes to continue to act unlawful I will be forced to submit a complaint with the attorney general and seek legal counsel for damages caused I'm hoping Experian does the right thing and act in Good Faith as I want nothing more than to have an honorable outcome furthermore In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-14
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. (FL)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2022-06-14
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: DriveTime (CA)

When I checked my credit report several auto loan places showed up on it last year which prevented me from renting a XXXX XXXX  XXXX XXXX I had submitted info to both the company and XXXX  and nothing was done and no response and I requested a response and proof of my signature. 


Auto Financing Companies Contact info XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2018-12-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

Over the XXXX XXXX  XXXX weekend ( XX/XX/XXXX, XX/XX/XXXX ), there were 5 fraudulent transaction at various XXXX XXXX in Georgia in the amounts of {$450.00}, XXXX, XXXX, XXXX, XXXX. I was contacted in the morning on Monday XX/XX/XXXX by XXXX  XXXX  by phone informing me they believed I was a victim of fraud. I confirmed their suspensions that I was not in Georgia nor did I make any of those transactions. They immediately cancelled my XXXX Saving Account Debit and reissued a new card. I then submitted the requested transaction disputes forms by email on XX/XX/XXXX. I received confirmation of the receipt of the forms on XX/XX/XXXX and my claims were being processed. Four weeks later, my funds have not be returned to me nor have the fraudulent charges been removed from my transaction history. When I contact XXXX  XXXX  customer service, they are unable to provide me with any status updates. At this point, the fraudulent charges remain on my transaction history which will be reported incorrectly to the IRS as I didn't receive any services or goods from those transactions. I am unable to get anyone at XXXX  XXXX  to help revolve this issue but rather get a runaround that it is out of their hands because the card is issued by a 3rd party vendor. 
I do not do business with XXXX  XXXX XXXX vendor nor should XXXX  XXXX   customers be obligated to work directly with any 3rd party vendor of the bank. I request CFPB 's assistance in getting this issue resolved before XX/XX/XXXX year end primarily because of the IRS tax implication.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has report 30 days late payments on my credit report for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX when i was never late in making payments to them. I had auto withdraw from my bank account with this auto loan so after speaking with a customer service rep they stated that they withdrew the money after the due date. I told the rep that, that was not my fault as i had it set up property and due to there mistake i should not be penalized. The customer rep responded with, they would not remove the negative reporting to the credit bureaus. Now i seek for your assistance.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (AZ)

Week or so prior XX/XX/18 saw ad on web page from Discover, for balance transfer at 0 % /14months. I applied for {$14000.00} + 3 % fee. They answered showing the total amount, and informed " Approved '' - I would be getting card soon. XX/XX/XXXXrecvd card and checked with my bank to see if transferred - Not so, therefore called Discovery who claimed I was only approved for {$950.00}. plus {$50.00} left on card. Very upset and talked to Supervisor in Ohio ( XXXX, Badge XXXX ) - Informed her this was misrepresentation/Scam/Fraud and wanted card cancelled and transfer not made. She claimed amount in process and the only option was to contact my bank asking them to return the {$950.00}. ; but I declined as did not want to get my bank involved in their mess, so just asked the card be cancelled and they should inform the credit agencies as this would affect my credit score. Aside from cancellation, they could not do anything else. I have ripped the card but now I am stuck with another separate loan payment. They need to inform people of amount approved before sending card. Seems to me a good scam to provide addtl cards, possibly with intent people will use them when desperate, and at a LOAN SHARK rate. Pls look into their practice method. Thanks
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I am writing to dispute the following information in my file dispute on the attached copy of the report I received. 
This item [ identify item ( s ) disputed by source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ] is [ inaccurate or incomplete ] because [ describe what is inaccurate or incomplete and why ]. I am requesting that the item be removed [ or request another specific change ] to correct the information.

Enclosed are copies of [ use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents ] supporting my position. Please reinvestigate this [ these ] matter [ s
Consumer complaint received 2019-10-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (MD)

The car was totaled, XXXX issued a payment over XXXX on XX/XX/19 to WESTLAKE FINANCIAL SERVICES. I purchased gap coverage through the finance company they issued a payment of XXXX ; leaving me a balance of {$1600.00}. I don't dispute that the responsibility lies on me. However I am being told i have late charges and penalties for not paying a XXXX or XXXX payment of {$490.00} and they will report this to the credit bureau as a repossession. If my car hadn't been totaled and a payment of XXXX was made no payment would be due for almost 19 months how am I late on anything. How are they threatening me? They are still reporting a XXXX balance on my credit report ; negatively impacting my debt to income ratio.
Consumer complaint received 2019-05-24
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. (CA)

On XX/XX/2019. I walked into a XXXX Store in XXXX to inquire about getting a phone for my son. During discussions with the store agent, he stated that in order to provide quotes on the variance phone plans, he would need to do a soft inquiry on my credit report that would not impact my score and would not be visible to anyone but me. I asked him specifically if this is a hard inquiry and he stated that it was absolutely not. I told him if quotes require a hard inquiry on my report, I wouldn't be interested in getting any quotes, and he assured me that no hard inquiries would be made. 

I decided not to purchase a phone at that time and left the store, only to discover later that day that XXXX performed a hard inquiry and pulled my full credit report. I went back and discussed with the Store Manager. He was courteous and promised to help. Later he reached out and said that the inquiry on my credit report was done by error and that XXXX will initiate a credit request to have it removed from my credit report within 60 days. 

It's been 60 days and the inquiry is still showing on my report.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I applied for a Capital One Secured MasterCard and was approved in XXXX, 2018. I had to EFT {$390.00} to a secured savings account in order to receive a {$500.00} credit limit. I received my card XX/XX/2018. I did not activate it immediately because I was told by Capital One Customer Service I could increase my credit line to the {$1000.00} maximum by not activating it and call a representative to transfer the additional funds. I called their Customer Service line this A.M. ( XX/XX/2018 ) and was told my account had been closed by Capital One. After being cut-off twice I finally spoke with someone in the " appropriate department '' that said my account had been closed because of information on a background check they did on me. I never approved, in writing, a background check to be pulled on me, which is the law. I have to expressly authorize in writing, which I did not. I have open checking and credit accounts with the two largest banks in the U.S., XXXX and XXXX and this was NEVER an issue. I think Capital One is violating the law by opening secured accounts for individuals and pulling background checks without the applicant 's written permission.
Consumer complaint received 2018-04-11
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: Experian Information Solutions Inc. (PA)

I am a victim of identity theft. My personal information was compromised and inquiries were incurred in my name without my knowledge and/or approval. I have phoned my dispute to this company on 2 instances in XX/XX/XXXXwithout resolution with all the relevant information they needed to verify my claims but these unverified inquiries are still showing on my credit report. Please delete these erroneous inquiries from my report ASAP : XXXX XXXX pulled on XX/XX/18.
Consumer complaint received 2022-06-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (CA)

I had submitted my personal loan application on XX/XX/2022 and had also unfrozen my credit files at XXXX, XXXX, and XXXX. My XXXX XXXX is in the 760 area and have one existing loan with XXXX XXXX with an balance of {$29000.00}. I was looking to payoff my loan with XXXX XXXX with this new loan at Discover. I have made numerous calls but was told they still needed to verify me and would require a copy of both my Driver 's License and Social Security Card which I sent on XX/XX/XXXX of this year. I am still waiting and the payment for XXXX XXXX is due on XX/XX/XXXX of this year. Since Discover has not resolved this issue I will be making the XXXX payment and would like to have the remainder of the loan proceeds sent directly to me and not to XXXX XXXX. I will payoff XXXX XXXX once the current payment has been processed. The loan request with Discover is referenced with # XXXX. Requesting this loan has affected my XXXX XXXX in a negative manner because of their inquiry and lowered my XXXX XXXX. This is a form of discrimination of the Elder.