davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MA)

The XXXX XXXX XXXXXXXX could not provide services agreed by contract ( and could not fix them ) on for 22 months and on top of it, made errors in billing that their financial division was unable to correct. So far, we have spent about XXXX hours trying to get fixed by them and trying to get help to make them do it. We have been customers of XXXX for XXXX years. The triggering point of these problems was when we moved to a nearby unit starting ( XX/XX/XXXX ). 

We worked with all levels of their company including simplest customer service phone number, technical teams, multiple people from the facade they call Office of the President ( OTP ) ( starting XX/XX/XXXX ) and even to one of their CEOs at the end before we decided we are not going to go through this anymore. We went through constant harassment of many kinds including disruption of service and finally ( force ) terminated service on XX/XX/XXXX as we refused to pay what XXXX claimed as we owe them. 
They will send email saying they are going to disrupt service with opportunity to send if we dispute any charge they claim as owed to some address ( probably their internal collection service address in Florida ) and that they will respond by getting verification, they did not respond a single of the XXXX times we wrote. They reported our account as collection in XX/XX/XXXX affecting my credit significantly. 

XXXX did not send any notice or opportunity to dispute prior to sending it to collection and reporting to credit bureaus in XXXX, XXXX, and we came to know of it through email from the credit reporting agencies. When we tried to handle ( remove the notation, because that is an incorrect information ) directly through the credit reporting agencies ( XXXX and Experian ) XXXX these agencies respond that XXXX says we owe them and not correct and not remove it. 

Subsequently well after the 30 days typically CFPB stipulates by when the consumer has to be informed, another company XXXX sent a notice of collection dated XX/XX/XXXX on behalf of XXXX that we received on XX/XX/XXXX and had a date of XX/XX/XXXX to file a dispute with XXXX I called XXXX on XX/XX/XXXX ( as their online system once we did not pick the few options available and picked other did not let us submit and gave a message to call ) and provided the facts, they summarized the facts and said that given the facts that throughout we have been experiencing poor and often unusable services we should not be owing any balance though I did mention lot more of the errors and problems we faced ). Further, during that call I also found that XXXX is an arm of XXXX as they answered and mentioned several times, including thanking at the end to call and give them the facts, as XXXX XXXX 

I talked to one of CFPB team members and they suggested that I should name the financial companies in this complaint.
Consumer complaint received 2020-06-01
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)

See attatched Equifax Report XXXX Account XXXX reported by XXXX as Certifed Accurrate XX/XX/XXXX. ERRORS : 1 ) THIS IS NOT MY ACCOUNT See statement MC end XXXX XX/XX/XXXX. 2 ) Clearly as reported THIS DID NOT CLOSE XX/XX/XXXX and has a different account # 3 ) See XXXX Account XXXX Opened XX/XX/XXXX THIS WAS OPENED FRAUDULENTLY REPORTED AS ID THEFT case XXXX in XXXX & CLOSED XX/XX/XXXX *THIS IS NOT MY ACCOUNT. I DEMAND EQUIFAX DELETE THESE ACCOUNTS OR PROVIDE DRS LICENSE AND ORIGINAL WRITTEN SIGNATURE TO VERIFY.
Consumer complaint received 2017-03-20
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Amsher Collection Services, Inc. (FL)

I XXXX in XX/XX/XXXX. when I check in to the hospital I XXXX to, I gave the hospital my insurance information. My insurance cover my stay and expense except for XXXX account. I notice an account on my credit a and I wan'st sure what It is was for, so I called and they did not know either until i finally spoke to a lady who told me that it was for my daughter XXXX. I told her that we had insurance. That is when I ask for the provider information. They would n't give me the information i had to google it. I called the medical office and the lady I spoke with said the hospital did not gave them my insurances information. that is so wrong because I gave them my information so my stay and everything include could be paid for. she said they send me a letter but I never received it because they sent it to the wrong address.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

In XXXX I purchased my home. In XXXX, I refinanced that home. Today, in XXXX, I am in a short sale. The reason is because my bank would not lower my 8.5 % rate to a more affordable rate. Yet, they are accepting a lower than market sale price. This makes no sense. I am being displaced so they could get less money for a home I was willing to pay completely for, just at a lower interest rate. I have exhausted all HUD options ( frankly there was only XXXX I qualified for ) and have done the deferrals with my bank. A lower rate is ALL I wanted.
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE ASK 2 TIMES TO REMOVE THESE ACCOUNTS THAT DO NOT BELONG TO ME THEY HAVE REFUSE MY NEXT STEP IS TO FILE SUITED
Consumer complaint received 2023-05-09
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: P&B Capital Group, LLC (CA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists So in the comment section,
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
Consumer complaint received 2015-09-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management calls via their telephone number, XXXX. They call different times of the day and day after day. I answer the telephone and say " hello '' ; however, no one on the other end ever speaks. If the answering machine picks up, no one leaves a message. Two weeks ago, I dialed XXXX after a call and learned the telephone number calling me is XXXX. I called this number and spoke to a customer service person. The person said that they are trying to reach XXXX XXXX. I informed them that I am not XXXX XXXX. XXXX XXXX had the telephone number that they call 11 years ago. I requested that they stop calling. The person responded that they would stop calling. The calls stopped for a few days and have resumed.
Consumer complaint received 2020-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (NJ)

In a previous complaint to the CFPB under case number XXXX, the aforementioned agency mentioned in the complaint responded to on XX/XX/XXXX, advising that the {$75.00} debt was incurred over 2 years ago, which I was not aware of. Therefore, on the above date, payment was made in full with the online portal of NRA Group , LLC. 
I was informed that billing was requested, please ensure that if the billing documentation is not associated with me or for a date of service prior to XX/XX/XXXX, that the appropriate refund will me made to me. 

Also, as mentioned, I was not aware of a small balance owed as mentioned above, as soon as it was clarified and brought to my attention, payment was made. Please ensure that nothing is reported to the major credit reporting agencies/repositories.
Consumer complaint received 2020-07-10
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: CBC Companies, Inc. (OH)

I have filed a dispute with credit bureaus in regards to incorrect items on my credit report. It has been over 30 days since my dispute and I have not received any feedback or results.
Consumer complaint received 2015-03-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Brent D. Stamps, Attorney at Law (GA)

Phone call was received, the medical debt collection agency identified themself as a law firm. No statement regarding this debt has been received and when asked for information he said he would forward it to the attorney. He continued to say this when asked for more information regarding this debt. And he said this XXXX times. He spoke to a spouse regarding this debt, which without prior authorization from me, the patient, I feel is a violation of XXXX. The caller was hostile, threatening and vague. When explained that there was no difficulty in paying the debt once we had received verification of their company, he continued to refuse to agree to send us any information in writing regarding this debt.
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central States Recovery, Inc. (OK)

i have a hospital bill that i have been making agreed payment on The hospital turned the account over to central states recovery in XXXX Ks. They told me it was in error but they could n't recall it.I have since been making agreed payments to central states recovery I checked my credit and they have reported it as a new and derogatory account.
Consumer complaint received 2021-09-01
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. (NC)

In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation
Consumer complaint received 2016-05-05
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (IL)

I was approached by a Chase Mortgage Broker in XXXX XXXX regarding lowering my mortgage interest rate. This was under the XXXX Program and my mortgage was then refinanced under XXXX at 5.375 %, as we know interest rates significantly have fallen since then. On XXXX XXXX, XXXX I contacted XXXX XXXX, the Chase Mortgage XXXX regarding the possibility of having my interest rate lowered. He responded with.. 
" All we know is that it made sense then - and rates were still historically low - unfortunately, we do not have a crystal ball, so there was no way for us to know if rates are going up or down. What would you estimate your home is worth today? '' He would not work with me to help lower my rate. I also called the Chase Mortgage hotline, and the only thing they did was send me a check for excess escrow. They refused to help me. 

I have make on time every payment, my home is still " under water '' so I am unable to refinance in the traditional manner, Chase refuses to reduce my interest rate under the XXXX program. 

Where can I go from here? XXXX was designed to Help Consumers, not hurt them. The Banks ( Chase being XXXX of them ) got HUGE bailouts yet consumers/taxpayers are left out in the cold.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

XXXX was unable to access my Credit report to due a credit freeze. However, there are XXXX inquiries on my report from XXXX. I called XXXX several times concerning this. most recent today where i spoke with XXXX and her manager XXXX If they were able to access my report, why did n't i get a decision letter based on the information in the credit report. they told me to check with the credit agency which i did and they told me to contact fingerhut. i explained that i received a letter stating they were n't able to access my report but the inquiries show they were able to. Ive reached out to equifax who told me that this inquiry is legitimate. but according to the XXXX investigation, they are stating they never viewed my report.
Consumer complaint received 2016-10-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

My wife serves in the XXXX so I always have TRICARE as my health insurance. 

In 2015, I started buying Blue Cross Blue Shield ( BCBS ) health insurance from my job. TRICARE paid the XXXX XXXX XXXX Service as an old routine. Then it withdrawn the money it paid to XXXX XXXX XXXX Service because BCBS become my primary provider. 

Now unable to collect money from BCBS, XXXX XXXX XXXX Service disclosed my information to Lanier Collection Agency to collect the {$100.00} from myself. 

This is unfair because I am paying two insurance coverage. the BSBC shall pay first and TRICARE pay the remaining. I am threatened and afraid that this debt collection will harm my credits. 

With the head problem and this new stress, Help me please.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

In reference to complaint # XXXX that was closed with no real proof provided. Automobile Acceptance claims to not have been able to even locate the account, then after sending in adl proof they were able to locate it and claim that the information is reporting correctly! Where is my proof of these claims? I am demanding all names and correspondence of who investigated this matter and I will also need the XXXX XXXX for this account, which includes the file, ledger, any and all accounting and transactional history, books of accounting and the ORIGINAL contract. This information that is being furnished by Automobile Acceptance is inaccurate and their negligence into this matter is disheartening. The CFPB should require companies to send verifiable proof regarding claims that are being disputed by federally protected consumers.
Consumer complaint received 2015-10-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

About a year and half ago, I applied and Got an American express issued By XXXX/ XXXX XXXX . The terms were that I was going to get a year of Charges or Transfers at Zero Interest rate. This Credit card Company, abused its power and started to charge Interest during that Interest free Year.
Consumer complaint received 2019-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (VA)

I sent a dispute letter to validate a debt Credence Resource Management , LLC on XX/XX/XXXX. I received a letter from the collection agency acknowleding they received my dispute dated XX/XX/XXXX. Then, I received a second letter from Credence Resource Management dated XX/XX/XXXX stating " The creditor verified that the charges on your account are valid.. '' I did not receive anything proving this debt is validated and that it is mine with this letter I received anything required by the Fair Debt Collection Practices Act from the collection agency. I am requesting that this debt be permanently deleted from both my XXXX and XXXX credit reports because the debt had not been validated and it has been 54 days since the debt validation. Long past the legal amount of time to validate the debt.
Consumer complaint received 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: World Omni Financial Corp. (CO)

I have a closed account with XXXX XXXX. They never had my billing address correct and thus I 've never received a bill. I have asked their debt collectors to send me a bill at least 5 times now. They never do, and they just keep calling. I ca n't pay a bill without actually seeing the bill, but they wo n't send it to me and just keep harassing me.
Consumer complaint received 2022-02-04
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: MUTUAL OF OMAHA MORTGAGE, LLC (TX)

Home was damaged from hurricane Ida mortgage company approved me for forbearance for XXXX XXXX and XX/XX/2021. Mortgage company reported me as late to the credit bureaus and said the wrong code was sent should have been disaster code. Have been reporting this process since XXXX itll get fix and then itll go right back. I have emails and a statement from this mortgage company about fixing this issue and nothing is getting done. My husband and I were supposed to get a lower interest rate but the mortgage company messed up my credit score and we were set for closing. So this is a huge deal because they messed up our credit score
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I wrote a check to someone to haul off some brush. I did not personally know this person, found him through an online service. I wrote the check on XX/XX/21 and it cleared my bank on XX/XX/21. That person deposited the check electronically in his credit union, XXXX XXXX XXXX. In XXXX, he took the paper check to Ace Cash Express and cashed it again. My credit union rejected the second attempt to cash the check. Ace Cash Express sent me a letter on XX/XX/21 and is now holding me responsible for the fraud committed by the person who cashed the check twice. They have flagged my checking account through their check cashing processor and said that I have committed fraud and have to pay the amount of the check plus fees to remove the flag from my account. I have proof that the check cleared my account on XX/XX/21. Ace Cash Express says ... .too bad ... pay it or youre screwed until you do! 
The person I wrote the check to did not indicate on the back of the check that it was deposited electronically and yet his credit union accepted it and sent it on to my credit union, he then cashed the paper check at Ace Cash Express. If Ace Cash Express wants to recoup their money, they should be harassing the credit unions involved. I am the only innocent bystander in this scenario and Im the one with my life being screwed up! 
Help!
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (CA)

My person info was used for opening a credit card at US BANK in XXXX of XXXX, which I found out in late XXXX only when I was applying a XXXX XXXX associated credit card at XXXX XXXX  when I was refused because low XXXX score. That card was charged > {$7000.00}. I was in debt for that amount and US BANK went to a court file a bankruptcy resolution for me and dropped my XXXX score so I could not be allowed to have a credit card. 

I spent more than a year to struggle with US BANK to have this clarified and I finally got a letter from them stating that I was released from the debt. However my XXXX score has not changed. A year later I called them again. The person answered the phone from US Bank asked my address saying she was the one responsible to clean my XXXX  record and would let me know if the correction was done. Instead she sent me to collection agency : XXXX XXXX XXXX XXXX. This agency has been sending collection letters to the address ( my work place, a XXXX, I am a XXXX  ). I believe that the Bank or its employee is actively participating in using personal information to steal money from the system. 

When I spoke to the Bank asking them to report my case to FBI or police for a crime investigation, I was told not need to do that. I feel that they are the ones stealing. 

I am an XXXX  of XXXX, they are obviously taking the advantage of aging people. Filing bankruptcy on them will be less likely found out since at this age they don't borrow credit for buying things, and already have many credit cards. With their limited life expectancy soon these events will be burry deep forever. 

This is intriguing crime. The Gov need to investigate to keep the peace of the society.