davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Description of Complaint : For months and months I was receiving solicitations from Capital One, so I decided to apply for one of there cards which was recommended to help build my credit. After filling out the application it appeared that I was approved and the card was in the mail. Shortly after a day or 2, I was notified by voicemail that my account was flagged as being fraudulent, I was asked to provide approximately 3 documents one of which was a copy of my Social Security card. Even though they insisted I thought that this practice was unacceptable, operators insisted that I must submit those documents. Never had I ever had to submit a Social Security Document to any institution for a credit card. They, Capital One Solicited to apply, Ran my credit approved and sent the card but flagged it anyways. Trying to call and get any reasoning was met with unfamiliar information to why the account was flagged. This appears to be a situation that needs some explanation on the mentioned practice. Looking forward to hearing from you
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

To whom it may concern, I have an issue with XXXX XXXX, Experian, and XXXX. I paid off a collection account in the amount of {$47.00} to XXXX XXXX. I sent a U.S Postal Money Order by USPS certified mail and with tracking. I have the supporting documents that XXXX Received the documents ( money order, tracking ) and have even marked it as received on their internal records that I am able to print out. I have a number of complaints. On XXXX XXXX internal records, it shows that I still owe a balance of XXXX but on my Experian and XXXX   reports, it shows a balance of {$47.00}. I paid of the collection account in full. I have sent letters to Experian, XXXX, and XXXX XXXX to update the balance to zero. Even though I have sent all my supporting documents to Experian, XXXX, and XXXX, they all refuse to update my account to zero. I would also like the collection account removed from my credit reports based on the updated XXXX XXXX reporting policy which states that all paid accounts will no longer be reported. Experian and XXXX refuse to update my balance to zero regardless of the information I have sent them. They always come back with " verified '' with a {$47.00} balance. Please help me resolve this issue. 

Sincerely,
Consumer complaint received 2021-12-10
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. (SC)

XX/XX/2021 I spoke with two representatives at Experian. I asked how do they investigate and validate before they furnish and the first representative stated that they dont investigate it, XXXXXXXX XXXX does and then they report it to Experian ( CRA ). I then spoke to another representative that I was transferred too and he told me that they investigate and validate it directly with the creditor ( debt collector ). So at this point I am being told two different things. These CRA are playing with my life and it isnt okay. I asked for the phone call recording so that I could have proof when I purse litigation. XXXX stated I had to have a subpoena by a lawyer. I researched and seen where the FTC could get a subpoena and so thats what Im looking to do. These CRA are not doing there job and it is causing so much financial harm to me.
Consumer complaint received 2019-08-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC (GA)

XXXX XXXX from the company called my husband 's phone on XX/XX/2019 and said she was calling from Receivables LLC and looking for me because I had applied to a job opportunity. She falsely represented herself. He asked XXXX what position did I apply for and she responded by saying it was a receivables position. She requested that my husband put me in contact with her. On XX/XX/2019, XXXX also went on my LinkedIn account and viewed my profile. They called my phone on XX/XX/2019 at XXXX pm, two times at XXXX pm, and XXXX pm. They called me on XXXX XXXX at XXXX am and XXXX am. They called me on XX/XX/XXXX at XXXX pm and XXXX pm. The communication tactics they are using are repeated phone calls. I asked them to stop the harassment calls, but they called me again on XX/XX/XXXX and the collection agency was abusive and kept talking over me. She also threatened to damage my credit by reporting the alleged debt to the credit bureaus. They are attempting to collect on behalf of XXXX for a debt not owed due to agreed upon balance with XXXX was paid in full with another collection agency. Now XXXX is asking for more money through this collection agency.
Consumer complaint received 2021-08-25
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. (FL)

Under Florida law a company has to be licensed in the state of Florida to collect a debt from a Florida resident. Title XXX111 Chapter 559. 553 ( See attached documents of Florida Statues ). This applies to all consumer debt collection agencies. ( It is a felony for a consumer collection agency to try to collect a debt from a Florida resident if that agency is not licensed in Florida to collect debts. Title XXX111 Chapter 559. 565 ( see attached documents ). XXXX  and Equifax are complacent in this felony by allowing XXXX XXXX XXXX to report their trade line on my credit report. XXXX XXXX is not licensed in Florida as a consumer collection agency. XXXX XXXX is engaging in a felony by trying to collect this debt from me and XXXX  and Equifax are allowing XXXX XXXX  to commit this fraud there by making both XXXX  and Equifax guilty of conspiracy to commit fraud. I have filed a complaint with the Florida Attorney Generals office against XXXX XXXX XXXX. I have informed them in my complaint that XXXX  and Equifax are both aware that XXXX XXXX is committing a felony and are allowing this felony to continue. XXXX XXXX XXXX does not have a legal right to collect this debt or attempt to collect this debt according to Florida law. I want XXXX  and Equifax to supply me with proof that XXXX XXXX XXXX has a legal right to collect this debt under Florida law ( I live in Florida ). XXXX  and Equifax both know that this company XXXX XXXX XXXX is currently under investigation with the SC Attorney Generals office as well as the Florida Attorney Generals office for committing fraud and violating Florida law on debt collection. Yet despite knowing all this XXXX  and Equifax are still allowing this illegal and fraudulent debt to be reported on my credit reports. Under the FCRA a credit reporting agency has to verify the accuracy of information that a company reports and has to verify the debt exist. The fact that XXXX XXXX is commiting a felony under Florida law by attempting to collect this debt make the debt an illegal debt and therefore can not be verified to be accurate. Once again XXXX  and Equifax are knowingly allowing companies to commit fraud and violate state laws.. Let this complaint serve as official notice to XXXX  and Equifax that they are violating the FCRA by not validating the authenticity and legality of this debt. I do plan to use this complaint as evidence in court when I file a lawsuit against Equifax and XXXX.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc. (LA)

On my XXXX XXXX credit card account with XXXX XXXX they reported late payments for XX/XX/2022 and XXXX of 2022 each showing 30 days late. These late payments are incorrect I made minimum payments of the amounts requested and the dates requested. When I referred back to the billing statements it shows the payments were made. 
Due to code 15 usc 1666 ( 2 ) ( b ) they need to correct this.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (GA)

My name is XXXX XXXX. I am a new legal immigrant and I have had so much care about my credit score.  Right now, I am in a tough situation with Barclay 's bank an unsolicited bank tied to a Jet Blue credit card. Being overseas, I was surprised that they sent to my XXXX card a balance transfer of {$1500.00} that I never requested. When I realized about it, I called to XXXX and Barclay 's requesting to revert this transaction. I don't know why XXXX instead to return {$1500.00} to Barclay 's, they deposited in my XXXX account {$1300.00} with no explanation. I though that it was the amount for selling my car. I came back to XXXX on XX/XX/XXXX and I was surprised with calls from Barclay 's asking for the {$1500.00}. In the meantime, I sent to Barclay 's two checks. One for {$700.00} paying my airline ticket and other purchases, putting the balance in zero. The other check was for {$810.00} that Barclay 's returned to me with another check, and my sister deposited in my XXXX bank account. I have asked to Barclay 's if you say that I owe you {$1500.00}, why you returned to me {$810.00} in a check? They did not answer me. 
This morning, I received a call from Barclay 's Fraud investigation, and the woman who talked said that it was no fraud, because finally I received the money. So far now, that I unraveled the money between XXXX, XXXX and Barclay 's, I accept that this money that I never requested was in my bank account. Unfortunately, it is not longer there. However, it was a fraud of someone on Barclay 's who obligated me to get this debt. I have to return to XXXX next week and I want to solve this situation fairly. If Barclay 's is so desperately willing that I owe them money, it is okay. But the only way, that I can accept it is just a sum of {$1500.00}, no interests, no any kind of additional fees. They are charging me now {$1600.00}. As they wanted a balance transfer, it is Ok. Balance transfer are with 24 months no interests. I will pay the {$1500.00} in 24 months with no interests. Attached you can see all the letters sent to Barclay 's and they ignored me. Just today they called, because in the last letter, I copied to the credit card Bureau of disputes. Please help me to get solved this situation before my trip. 

Sincerely, XXXX XXXX ( XXXX XXXX XXXX I authorized to talk with my sister XXXX XXXX, because my English is under construction.
Consumer complaint received 2018-07-07
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. (TX)

Due to hardship financial situation and XXXX in the family at the time, it shows that I have late payment ( s ) for XXXX XXXX and XXXX. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.
Consumer complaint received 2018-07-07
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: EQUIFAX, INC. (TX)

Due to hardship financial situation and XXXX in the family at the time, it shows that I have late payment ( s ) for XXXX XXXX and XXXX. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.
Consumer complaint received 2015-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (AZ)

On XXXX XXXX, 2014 My daughter went into children hospital for a procedure. I was ask to prepay the procedure in advance so that I would receive 50 % off. I complied and paid that bill. My son became ill during shortly after when I called for to set up a prepayment plan. They said they combined all the charges together and I was on a payment plan. I have been paying XXXX a month. In XXXX I started receiving different bills. So i called in. The operator on the line state the prepayment was not applied and it would be sent for management review. She said no way I should have anything to pay. IN XXXX I was sent a multiple bills. I then called in. The lady on the phone said the prepayment was not applied and I did not need to pay it. This would be sent to review. In XXXX I received another statement. Before I had a chance to call. I received a collection notice.from CMRE I then called them. They said it was XXXX from children which is what I pay monthly. They said to call children as if I am making that payment monthly it must be a mistake. I called children and then I was told it would be sent to management review pulled back and put in the payment plan I am playing. Today children called and said that they cant see anything although the first XXXX agents read the notes to me. It was in collection and they would not help me. A final statement was sent with no explanation of benefits. Now they are destroying my credit just because I listen to them and send them still to this day XXXX a month. As our payment was achieve. I can not help it if there agents split things off my bill and failed to explain what was happening.
Consumer complaint received 2021-12-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc. (IL)

On XX/XX/2021 outside my normal operating hours, I received a call from XXXX stating they were Medical Revenue Service and needed to verify my date of birth in connection with a Medical debt. This was a very unusual and inconvenient time for me to be receiving calls because I engage in meditation and studies between the hours of XXXX to XXXX. I tried to resolve this matter but the caller disconnected the phone. Please help as I couldn't get this matter resolved. Thanks You for your consideration!
Consumer complaint received 2021-12-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I purchased XXXX XXXX XXXX at XXXX XXXX in XXXX FL thru XXXX XXXX, on XX/XX/XXXX I sold vehicle to XXXX and per their investigation check to Nissan was cashed on XX/XX/XXXX. 
Up to today Nissan is showing that I owe money on the car and still on my credit report. I have spoken almost every day since last week to have them correct this. XXXX sent copy of check including check number and amount paid. 
All Nissan is telling me that they need to investigate where check is when it shows it was already deposited.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Foris DAX, Inc. (OH)

My card was stolen and I am unable to get another card through them because there isn't a place for me to show that my car has been stolen from me I was finally able to get into my account and I froze my card but now I just need to cancel it and get another card to replace it
Consumer complaint received 2021-12-10
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (MO)

XXXX XXXX called on XX/XX/XXXX at XXXX XXXX  regarding a debt owed to Sunrise Credit for XXXX University. I asked the representative to provide verification of debt and all communication in writing. The individual became aggressive, rude, and began overtalking me. She demanded I tell her if I was going to pay the debt. I asked when was the debt established and she stated XXXX. She then stated several letters had been sent. I asked when and she stated a couple of months ago with no valid date. I then asked for a new letter. Again, aggressively she stated that she needs an answer right now on whether or not I would be paying the balance owed so that she could close out the records. When I began to speak she spoke. I had to ask several times for her to allow me to speak. Finally she said she was going to close out the account although I asked for written correspondence and did not state if valid that I would pay. Due to the aggressive and verbal abusive tactics I chose to end the call.
Consumer complaint received 2021-12-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have made multiple attempts throughout XXXX and XX/XX/2021 to get in contact with this company after seeing their name on my credit report. The phone numbers take me to a line which always states that they are open, but then when it is transferring me to a representative, another prompt says they are closed. I do not have any verification of the ( 2 ) debts owed to this company and will not comply unless accurate verification is received from the creditor.
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (TX)

Finance of America Mortgage LLC started servicing my conforming mortgage in XX/XX/XXXX, including escrow of tax and insurance. In summer XXXX my insurance was due and they contacted me to update my insurance information with them. I did, but they never made the premium payment. I contacted them to ask them to pay and they assured me it would be taken care of but it never was. On XX/XX/XXXX I made a {$2100.00} payment directly to the insurance company, at that point it was past due and coverage was 2 days from lapsing which would have left me exposed to significant risk. From fall XXXX to spring XXXX I have been trying to get Finance of America to perform return the excess funds in my escrow account that should have been paid to my insurer. I have made multiple requests by both phone and digital messaging feature on their website but they have still not taken action. In fact, they have NEVER done an escrow analysis since they started servicing in XX/XX/XXXX. I've attached a printout from their website showing last escrow analysis was XX/XX/XXXX, a copy of my most recent written request for reimbursement, and my latest mortgage statement. I'd like to be reimbursed the ~ {$2100.00} in excess escrow balance that should have been used to pay my insurance premium in XX/XX/XXXX. Better yet, I'd like to cancel my escrow on this mortgage so I never have to deal with them again.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX ======================================= UNAUTHORIZED INQUIRIES : XXXX XX/XX/2021 XXXX XX/XX/2021 ======================================== 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (GA)

Money was sent to this company/individual who scammed me saying never received money after I sent him wire transfer date XX/XX/2021, amount {$400.00}. I messaged him via text and pls find enclosed attachment of the conversation, his reply ( never received money ). I tried contacting my bank SANTANDER and they have denied my claim 3 times without even contacting the XXXX XXXX for dispute and claiming my hard earned money back.
Consumer complaint received 2021-08-25
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

i have written multiple dispute letters to the creditor stating the debt surpasses philadelphia, Pennsylvania statute of limitations guildlines of ( 4 years in pa to collect on a debt ). they have avoided the letter as in i received no response. i than sent the company a letter stating not to call me at work or home and if they persist with continuing to harrass me, i will file a complaint with the cfpb for violating the fcra and not complying with the request to not call me..after months of no response, i sent the creditor a goodwill letter in hopes to remove the debt because im currently unemployed and no way at all to pay back the debt and i still havent got a response from creditor and really need help removing this from my report because its affecting my score rapidly. If i could the balance, i would. i bought every car i ever owned from this creditor and would like to continue business together but i cant get a response to save my life.please help.thank you
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I have sent a police report, photo ID, social security number, and utility bill to Equifax a number of times. However, Equifax declined to put a seven-year extended alert on my credit a number of times. Due to Equifax 's data breach, the door was opened for the theft of my identity, yet they're telling me to prove the identity breach occurred ( XXXX XXXX, id XXXX )! Not only was that absurd, but this information is easily accessible to the entire world on the FTC site- Equifax Data Breach. 

XXXX and XXXX agreed to put a seven-year alert and security freeze on my credit, ( attached ). I am re-submitting all of the documents to CFPB, as I do not trust Equifax. I strongly suggest to ban this company, which can not even find/admit to their own data breach record, from doing business in the U.S.A. 

Note : Earlier CFPB complaint against Equifax : XXXX