davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-05
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 (KS)

Capital One has consistently increased my interest rate on two of my credit cards despite that they are paid as agreed. I primarily make purchases, and they are only increasing the interest rate on purchases. For example, one credit card has been steadily increased to 23.65 although the cash advance percentage rate is 19.99. Th other credit card has a 18.90 interest rate on purchases that has also been gradually increased but the cash advance interest rate is 15.84. I also do not make cash advances on this account. Finally, the card I rarely use except to keep active ( I pay it off when making purchases ) has not been raised. The rate is 10.84 and the cash advance rate is 15.84. My credit score is well over XXXX. All my credit is paid as agreed. This is what is weird. It is well known in the industry that cash advances are a much higher risk than purchases, but the only account that has a lower cash advance rate is the card I rarely use. It appears Capital One is deliberately hiking rates on cards with active purchases in order to drown the customer in interest. I 've never been so disgusted with a company in my life.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion is the problem. When you report that you have been denied credit based on their credit score, they have a legal obligation to give you a copy of your credit report. They refuse to give you the actual credit score number unless you pay them extra money. This is not legal - they are trying to take advantage of consumers by ripping them off for a service TransUnin has an obligation to provide at ZERO cost. 
ALSO, when you try to order the free credit report they owe you, after inputin your address, etc, into the phone system, it always plays a recording saying " We can not give you a report based on the information you entered. ". Then they tell you about a long list of sensitive documents you have to provide them in the mail in order to even get the INCOMPLETE credit report they are sending. 

These practices are abusive to American citizens, and I believe illegal!
Consumer complaint received 2017-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XXXX XXXX 2017 two certified letters were sent to Portfolio Recovery Associates, which are listed belowadvising you that these two debts were in dispute and I was asking that you please validate the debt. In the letter, I outlined very specifically, what was required to validate this debt. With the primary emphases of a copy of the legal binding contract with my signature on it that says I owe the amounts you are requesting. Unfortunately, you have provided me with no such validation that proves that I owe these two debts or the amounts. At this time, I must ask that Portfolio Recovery Associates provide me with a copy of the original legal contract barring my signature that shows that shows I owe these debts. Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) In addition, I have just pulled my latest credit report and have noticed that even though I have disputed these debts. You have moved forward with continued collection activity by placing disputed invalidated derogatory information on all of my three-credit reports. With the direct intent to harm my credit and prevent me from enjoying all the benefits of good credit.
Consumer complaint received 2017-08-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer available to transfer credits or finish course
Consumer complaint received 2017-08-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer available to transfer credits or finish course
Consumer complaint received 2017-08-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer available to transfer credits or finish course
Consumer complaint received 2017-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MD)

Do to a financial hardship my family and I experienced, I had an overdue balance with Discover card. They were able to obtain a judgment against me in District Court.
I have been trying for months to find a possible settlement with them or to simply get an address where I could send payments and know that they were being documented.
I have gotten no response from Discover Card or their attorneys.
Consumer complaint received 2017-08-05
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: JPMORGAN CHASE & CO. (OR)

Went to Bestbuy store to meet seller with BestBuy unscratched gift card for sale.
Asked clerk to scan & verify the current amount on card, {$250.00}.
Amount correct, buys from seller.
Went home to make an purchase on Bestbuy.com & card has now a {$0.00} balance. Lost {$200.00}.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2017-03-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UMPQUA HOLDINGS CORPORATION (OR)

My mortgage lender Umpqua Bank has engaged and conducted an illegal foreclosure sale. Umpqua Bank has failed to follow the guidelines and policies and procedures that MUST be followed when servicing a government insured FHA loan. A denial letter that was received indicates that if an appeal is requested, that there is a 30 day appeal review period, and Oregon and federal law prohibits a foreclosure sale to be conducted prior to the expiration of this appeal period. However, Umpqua Bank and law firm XXXX neglected to consider this and moved forward with and conducted an illegal foreclosure sale despite the fact that an appeal was requested. I have attached documentation to back up this assertion. 

Additionally Umpqua Bank and XXXX failed to offer Occupied Conveyance as an option. The Occupied Conveyance paperwork was never provided for me and this option was never offered, even though FHA and HUD REQUIRE that FHA loan servicers provide this option. 

I have owned my home in XXXX Oregon for sixteen years. I refinanced into an FHA mortgage loan that is serviced by Umpqua Bank, and after being injured on the job and forced to take an early retirement have been trying to resolve a mortgage delinquency with them. On multiple occasions I asked Umpqua Bank to work with me and consider me for all of the government FHA programs that they have available. They told me on XX/XX/XXXX that I was denied, but I believe significant errors were made so we requested an appeal. I believe that if I were given the option of a review based on my appeal and the chance to point these errors out that I would have had the denial overturned and gotten approved.
Consumer complaint received 2017-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

My credit card has offered promotional rates on balance transfers in the past, which I have taken advantage of. According to my XXXX 2017 statement under " interest charge calculation, '' I had a {$6000.00} balance at a promotional rate of 0.00 % through X/XX/17 and a {$4000.00} balance at a promotional rate of 1.90 % through XXXX/XXXX/XXXX. My purchases balance ( at 12.65 % ) was {$4.00}. In XX/XX/XXXX, I took advantage of a balance transfer offer on a different card and transferred {$2400.00} of this card 's balance out ( effective XX/XX/17 ). I also made payments of {$98.00} and {$930.00} on XX/XX/17 and XX/XX/17, respectively. As I understand it, credit card companies are supposed to apply payment to the balance with the highest rate first now. When I received my XX/XX/XXXX statement, the promotional rate of 0.00 % applicable to the {$6000.00} balance had been changed, without my request, to XX/XX/17. Almost all of my payments/transfers out had been applied to the {$4000.00} balance ( at the 1.90 % promotional rate through the end of the year. ) I do n't think it 's right for them to manipulate my promotional rates, even by extension, in an attempt to force me into paying more interest. As it now stands, I will be paying 12.65 % on the entire {$6000.00} balance starting in XX/XX/XXXX. This amount should be closer to {$2600.00}. I believe what USAA has done here is fraudulent, and they could be doing this to a lot of people.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Incorrect information regarding an account was listed on my credit reports from all XXXX agencies. I filed disputes, shortly after XXXX and XXXX both made a correction and the account is now in good standing. After repeated attempts with Experian, they have not corrected the issue. Experian lists the account as negative despite being provided the proper documents. They have also failed to provide a description of how they processed my dispute, which I requested per my rights. 
This is the verbiage of my dispute to Experian : " This account relates to a dispute with the XXXX in XXXX that was resolved in XXXX. The XXXX claimed I had a past due ( in collection ) and I claimed I was owed because of overpayment. The XXXX conducted an audit and determined that I was indeed owed the same amount they claimed that I was in arrears. I received a refund in XX/XX/XXXX. I have included copies of the audit and refund documents. Can you please update the negative account in my credit report? Thank you. '' I have attached documents clearly showing the account should never been in collections XX/XX/XXXX. Please disregard the yellow highlight on one of the docs as that was for another matter. 
Thank you CFPB! 
XXXX XXXX
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lyons, Doughty & Veldhuis, PC (NJ)

Re LDV File No. XXXX The above referenced firm Lyons , Doughty & Veldhuis falsely filed a court judgement against me in XXXX of 2014. Rather than fight the matter further in court, I agreed to a repayment plan effective XXXX XXXX, 2014. Payments have been made faithfully since that date on a monthly basis, and in some cases two months payments were made. It appears that these payments may have been recorded incorrectly prompting the firm to send me a certified letter ( attached )  indicating that a Notice for Execution Against Wages, which could have possibly resulted in the termination of my employment. Given the gravity of these implications, I felt my XXXX XXXX XXXX and began to immediately feel XXXX XXXX. I was able to gather myself to call LDV and review my payment history with them to which a XXXX . XXXX XXXX was very kind and attempted to calm me down, and told me I had nothing to worry about, then proceeded to force me into a new agreement that would double my monthly payment. I also reiterated that none of this would have happened if they set the account up on an auto deduct from my bank account, however, they said that this could not be done. The matter was unintentionally made worse each time XXXX XXXX referenced a judgement that was still unresolved. At this point the damage that this very threatening letter was already done. I will be heading to a clinic now to have my XXXX XXXX checked or to determine if I need to go to an emergency room.
Consumer complaint received 2017-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

The XX/XX/XXXX XXXX credit report about my credit states that I opened a capitol one card on XX/XX/XXXX. I did n't. My then husband, XXXX XXXX, opened this fraudulently. I learned of this in XX/XX/XXXX when I filled for divorce. I ended up getting a civil judgement against XXXX XXXX for that outstanding debt. I paid the capitol one debt in XX/XX/XXXX that had been sold to a debt collector, attorney XXXX XXXX XXXX. However, capitol one refuses to remove this from my credit report, showing this account as a charge off which is untrue. Capitol sold this outstanding debt to a debt collector. By the time I had thecivil matter settled in the courts, capitol one refused to allow me to pay the debt. Capitol one referred me  to the debt collector to resolve the matter, which I did. I need help correcting the credit report to reflect what actually happened.
Consumer complaint received 2017-08-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Praxis Financial Solutions, Incorporated (TN)

I recently filed a complaint in XX/XX/XXXX or XX/XX/XXXX, claim number XXXX. The debt was placed on my credit and I attempted to resolve the matter with the debt collection agency at that time but was unsuccessful in doing so until you all got involved. After trying to dispute with the company, XXXX XXXX XXXX, I contacted you all and the debt was removed off my account immediately. Now, I have another credit agency, Praxis, attempting to collect money from me on a debt that I do not owe and that was removed off all XXXX credit reports. I received the letter on XX/XX/XXXX ( attached to this complaint ) and immediately contacted the company. I called the number and extension provided in the letter and was violated in so many ways. I tried to speak with the representative and explain to him I did not owe the debt and I had documentation proving the debt was removed with a {$0.00} balance. As soon as I tried to explain my case to the representative became very upset and hostile and would not allow me to explain what was going on. As soon as I informed him I was not obligated to pay this debt, he began to yell and force me to believe I owed the debt. The representative stated " my company is legit and they would not be attempting to collect a debt I owed if I did not owe it ''. I tried to respond to explain I had proof this debt does not belong to me and again, he began to yell and he said " if I did not listen to him and he was not going back and forth with me and if I continued to talk, he would hang up the phone ''. That he did. The man hung up on me after yelling at me and telling me I will pay this debt. I have never been talked to so rudely in my life coming from someone attempting to conduct business. I do not owe this debt because I left the school ( XXXX University ) with a {$0.00} balance. I would have never been able to get my transcripts and enroll in another college if I had a negative account status. XXXX finance department cleared me to receive my transcripts which are included in the claim number I provided above. Actually, I was able to pay for 10 copies of my transcripts right before they closed. This debt is not real.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Billing disputes — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I was billed for a deceptive offer on line and was offered a gift for taking a survey for a department store I frequent. The offer was for product with only shipping charges and I submitted my master card #. My statement reflected those charges on XX/XX/2017 but also to my surprise on XX/XX/2017 there were XXXX charges from the same company reflecting full price for product. I contacted my bank Santander XXXX card and they immediately cancelled card and issued a new one. Dispute was sent to fraud dept and in XX/XX/XXXX received a follow up letter stating we are denying your claim and to contact the merchant directly. When I contacted fraud dept, I was told that there was no fraud since I submitted my credit card #. I then contacted XXXX, company that submitted charges, and was told to drop the dispute and they would refund my account but my bank had to contact them by phone or mail to confirm that I no longer was disputing charges. When I called Santander I was told that was not their policy and would not contact XXXX and I was on my own. When I called the merchant, I was instructed to E mail bank letter and a letter stating why I was disputing the charges and a Refund Transaction ID would be sent to my bank. There was no credit following statement so I called Support XXXX was told that no credit would be issued since the bank did not consider fraud and would n't contact them by phone or mail. 
I have contacted Federal Trade Commission to inform of these charges and was issued a reference # for my case. I was also given a telephone # for your agency and dispute how the bank was negligent to pursue my dispute and how I was brushed off also by the local bank manager at my l bank in XXXX Ma. The RED FLAG for the fraud dept was clear since what merchant bills for shipping charges a month before the product charge. I would hope for Santander XXXX MasterCard to know that I am disputing and unhappy as to how they treated me to handle this on my own. I have stopped using card for any purchases and wont cancel till this matter is resolved by Santander and XXXX. I hope to hear that the bank has been notified about my complaint thru your agency.
Consumer complaint received 2017-08-05
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. (KY)

I noticed accounts listed on my credit report that I do not recognize. I have attempted to dispute directly with the creditor/collector and with the bureaus with no success and am now taking legal action. I have filed an identity theft report with the FTC and with XXXX XXXX KY Police. None of the medical bill son my account are mine. The XXXX bill is not mine. The inquiries are not mine. I could not list all of the accounts but XXXX XXXX XXXX is not mine. I contacted them and they are a daycare which I have never used. Also XXXX XXXX XXXX which is XXXX XXXX XXXX should not be on my credit as I was a co-applicant who did not reside there. I paid half of the debt which is indicated and they said they would remove my liability and remove from my report. The total was XXXX and I paid XXXX.
Consumer complaint received 2017-08-05
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. (FL)

I have two accounts reporting to my credit. XXXX XXXX is reporting to my XXXX and XXXX/XXXX  is reporting to my TransUnion. I have attempted numerous times to find out who they are and why they are reporting to my credit. I do not recognize them nor their original creditor. Neither initially had any of my information. Neither was able to pull me up by my address or my social. All they have done is sent me generic letters which are basically invoices claiming I owe them. I have requested numerous times going on six plus months now for an investigation from them and the bureaus and are met with a generic response and invoice saying I owe. I have requested proof and have been sent none even though they claim they have proof and were able to prove it. I have requested proof of the investigation and have received none. I have filed a complaint with the FTC for identity theft as their behavior and refusal to provide me with proof and/or evidence that these are my accounts leads me to believe my information is not secure and may have been compromised.I have filed a identity theft police report also. I have also filed numerous complaints with this forum and all the companies have to do is respond with their basic responses and the complaint is closed. This is still a open issue. I currently have an open investigation with TransUnion that is scheduled to be completed XX/XX/2017 but fear they will do nothing more than respond with a generic response saying it is mine and not provide me with the proof or deletion
Consumer complaint received 2017-08-05
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)

I review my credit and there is XXXX unauthorize inquiries on my credit reports with XXXX, Equifax, XXXX.
Here is the list of Hard Inquiries 1.XXXX .dated XX/XX/XXXX.
2.XXXX XXXX.XX/XX/XXXX.
3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX