davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC (GA)

On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing DEBT RECOVERY SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. 
As Resolution of this complaint, I ask that DEBT RECOVERY SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 

COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account DEBT RECOVERY SOLUTIONS via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with DEBT RECOVERY SOLUTIONS, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
On XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : 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 ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with DEBT RECOVERY SOLUTIONS, ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing DEBT RECOVERY SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that DEBT RECOVERY SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My Credit profile was part of an XXXX breach which was acknowledged by XXXX. Since then I tried on numerous occasions disputing the accuracy of my credit profile. In XXXX  a fraud alert was placed on my profile with all three credit agencies specifically informing all creditors to call and verify before running or issuing any credit in my name... since then several accounts and inquiries have been documented on my report without my consent.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-04-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (LA)

Regions bank in XXXX XXXX, LA. I have had a several different bank accounts and have had several problems with them. My account is now over - {$230.00} due to overdraft fees. My account was low so the bank took a {$8.00} monthly fee to my account that was already- {$4.00} over withdrew so Regions then took - {$36.00} for them overdraws on my account made by them. 2 days after my account being negative Regions then charged me a {$10.00} rewards fee. and charges me another {$36.00} overdraft fee. Now I have credit company from Regions calling me everyday after I had explain that Regions has made {$160.00} just in overdraft fees. Please help! This bank has been doing unfair business to thousands and now is going to farther ruin my credit.
Consumer complaint received 2016-01-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Collections-I, LLC (AZ)

HEALTHCARE COLLECTIONS L XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Has XXXX collections against me for services provided by XXXX XXXX. 
1-XX/XX/XXXX for {$120.00} 2-XX/XX/XXXX for {$3700.00} Both charges were not to bill me but directly bill XXXX XXXX My insurance was in place from XXXX to XXXX XXXX XXXX. 
The hospital failed to file in a timely manner and are now sending to collections.
Consumer complaint received 2015-11-18
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (NJ)

In XXXX 2015, I applied to refinance my HELOC with my existing mortgage company, PNC. I was informed that even though my FICO score was XXXX, I needed to have " XXXX successful trades '' in order to refinance and receive the same product. I was told I had only XXXX trades. I asked repeatedly what specifically was meant by a " trade '' but was never given a real answer. I was told it was a government guideline/regulation and XXXX the bank could not get around. I was informed, after asking, if paying off XXXX more bill would make a difference and told that it should. I rescinded my application, paid off a bill and three months later -- in XXXX 2015, reapplied. My FICO score is now XXXX and I am still being told that I do not qualify for a HELOC but must settle for an interest plus principal-type product. During this second attempt, I was initially told I needed a XXXX FICO score and " XXXX trades. '' Both of which I obviously had back in XXXX and then again in XXXX. I was later told I did n't have " XXXX trade lines. '' I have repeatedly asked for a federal regulatory number or other identifying information to corroborate this guideline they are using to deny my application for a HELOC and I am consistently denied this information. Each time I speak with a different loan specialist, I am given different information. I have your organization and others for information but no one has ever heard of such criteria. At this point, I can only assume this jargon is particular to PNC and used to deny clients certain products in the hopes that they can be assuaged into the lending product XXXX that PNC is currently XXXX on its clients to meet their profit margin. Please please look closely into PNC 's lending practices in NJ. Thank you.
Consumer complaint received 2016-01-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

In regards to XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I made a settlement agreement with them last year for half, I sent them a valid check and they check was sent back stating the offer was longer good. I have submitted all necessary paperwork to the XXXX credit bureaus. This company continues to call me at all hours of the day and night. including XXXX to XXXX XXXX. They have called friends and relatives in other states and here in XXXX. They informed my brother about the debt, how much it was and threatened him with a lawsuit if he did not pay. Even though we have both asked them to send all corespondents through mail only and no more calls, they continue to do so. Today they notified myself, my brother and a friend, that we are all being sued, wages garnished and jail time, if I do n't pay. All these practices are illegal.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (SC)

I am XXXX. I will try to get my point across. In the beginning of the year, I used PayPal ( PP ) to purchase XXXX women 's hoodies and XXXX pairs of women 's XXXX athletic pants. They were XXXX separate orders. XXXX hoodies/XXXXpants for me & XXXX hoodies/XXXX pants for my sister. After PP was paid the money for these XXXX items, the started going into my bank account and taking more money out in usual amounts. An example would be like {$14.00}. They then put the money back the same day. Then they took some more money out of my account for no reason. I went to my credit union. XXXX. XXXX XXXX called PP each time and they would replace the money again. I still think that PP may have charged me for an extra hoodie & pants too. Now, they 're saying I owe them money & if I do n't pay them {$25.00}, they 'll send my information to my a credit bureau. 
The PP argument is that when I purchased something earlier from XXXX XXXX via PayPal, it cost PayPal {$25.00} b/c PayPal essentially says it paid XXXX the {$25.00} amount before they got the money out of my account. My SC XXXX XXXX XXXX " may have '' rejected PayPal because they knew everything that PayPal had been doing in fer. to taking my money out and only replacing it wen they were continually caught. This whole thing has my head all messed up and stressed out. Is there anything that I can do about any of this confusing mess. If I really owed them any money, then why did they replace the money they were stealing out of my account every single time? I feel helpless. My anxiety levels are really high because of PayPal 's treatment. Thank you for your time. XXXX XXXX XXXX ( XXXXXXXXXXXX ) This following is the latest correspondence from PayPal : Dear, The negative balance in your PayPal account is due to a failed banktransfer from a transaction. The payment was sent to the seller however, your bank account was never debited. In order to remedy the negativebalance situation it is imperative you arrange to fund your PayPalaccount to XXXX or a positive amount at this time, to avoid furtherdisruption to your PayPal online payment services. If this negativebalance is the result of an open dispute, please log into the ResolutionCenter on your PayPal account, to resolve the dispute. 
To add funds via electronic bank transfer : Go to the PayPal website and log in to your account. 
Click " Add Funds '' at the top of the page. 
Click Transfer Funds from a Bank Account linkFollow the on-screen instructions, and transfer money to your PayPalaccount in at least the amount of your negative balance. 
If you do not have access to your account or prefer not to pay on line, please mail your payment in the form of check or money order to : PayPal, Inc. 
Attn : AccountingP.O. XXXX XXXX, XXXX XXXX USAMake your payment payable to PayPal and include the email address listedon your PayPal account in the memo area. Please allow 10 business daysfor a personal check to be posted. 
Sincerely, Risk OperationsPayPal
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IN)

i am filing this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2015-09-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (FL)

I have these private student loans from a fraudulent for profit college. The loan documents say school name is unavailable and my graduation year is XXXX. I believe that these loans are fraudulent and invalid. I am asking for forgiveness on all of these fraudulent loans.
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FCI Lender Services Inc. (AZ)

XXXX XXXX XXXX had a repayment plan in place when her loan was transferred from XXXX Mortgage Servicers to FCI Lender Services. FCI failed to honor the repayment plan approved by XXXX, and moved the homeowner to foreclosure. 
XXXX sent an email to FCI confirming the repayment plan, and FCI still failed to honor the plan approved by XXXX.
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I do n't know the legal definition of predatory loans but I believe that this is the situation that I have. When first got our loan the payment was really high but we under the impression from the people we were dealing with that we would be able to reduce those payments after making on time payments for a certain amount of time. We did that but we were not able to refinance and the payments became too much. Later we were given and adjustment which was still too high. I have made several attempt over the past XXXX to try to get an affordable mortgage while at the same time having to file bankruptcy because that was the only way I could save our home while we were going through the motions. However each time I tried to modify the loan from XXXX to XXXX XXXX XXXX and now with specialized loan services nothing is ever done. Either I 'm constantly being told that they are not receiving my paperwork and there is no one XXXX that I can talk to or deliver the paperwork to in person or just completely ignoring my efforts. I have tried working with " making home affordable '' and nothing came of that. I filed a modification through XXXX at the beginning of XXXX, the lender asked for some additional information which I sent to XXXX and they updated it to my file and I have n't heard any more from them until XXXX when they started the foreclosure process again. ( Despite the XXXX page saying they are supposed XXXX reply within two week ) I am in the process of completing a XXXX modification request through XXXX but if no one is going to hold the lenders accountable and they can constantly deny your paperwork or drag the process out so long that your forced to give up your property just to end the nightmare of never feeling sure or safe and constant worry for years now. And now we are once again facing foreclosure and eviction All I want is an affordable fixed rate mortgage payment so that we can get on with our lives. My mother is XXXX XXXX XXXX now and she should n't have to eviction hanging over her head at this point in her life. 
I do n't know if this loan should have ever been made to us from the beginning but had never purchased a home before but I know that had we known the payments would go up instead of down we would not have agreed to the terms but this was how I was told that people were able to afford the houses at that time. We have been here since XXXX and it 's our home now and we just want to be able to pay our bills & mortgage and be able to sleep at night.
Consumer complaint received 2015-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (DE)

About 20 or 25 yrs ago XXXX said that i owe them some money but I never took out any loan or anything from XXXX, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called ARA Collection they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing
Consumer complaint received 2016-03-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Bureau of Bessemer, Inc (AL)

The debts incurred during a hospital stay have been granted financial assistance from the hospital however Credit Bureau of Bessemer, a local collection company in Alabama, refuses to close the account. I have called, email, and even disputed through the credit bureau.
Consumer complaint received 2015-04-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EXPERT GLOBAL SOLUTIONS, INC. (OH)

For the past XXXX plus I have been harassed for a debt that is not mine. They call and ask for a XXXX XXXX, or XXXX XXXX people I do not know. I have told each collector they have the wrong number and to not call again. Sometime this works sometimes not. The real issue is the dept gets sold to another collector and the phone calls start agai. The last person I talked to was NCO Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. They finally stopped calling but a new collector started. In the past I also reported the XXXX XXXX XXXX XXXX. to the State Of XXXX Attorney General they resolved that complaint but calls continue from other collectors. There MUST be a way to stop these calls.
Consumer complaint received 2016-03-31
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (CA)

The primary creditor of this account has never contacted me in regard to taken further action to collect payment. In my defense payments has been auto scheduled to a min payment deducted every month from my account, but creditor decided to close my account without any notice and send me to collection instead of contacting me directly through all sorts of updated information on my account to settle this issue. I was wrongly sent to collection by this creditor and my balance is showing {$150.00} higher than what really is in facts.
Consumer complaint received 2016-03-31
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

The primary creditor of this account has never contacted me in regard to taken further action to collect payment. In my defense payments has been auto scheduled to a min payment deducted every month from my account, but creditor decided to close my account without any notice and send me to collection instead of contacting me directly through all sorts of updated information on my account to settle this issue. I was wrongly sent to collection by this creditor and my balance is showing {$150.00} higher than what really is in facts.
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

The attached updated credit bureau from Equifax is invalid, as the collection agency responded to Equifax that the account was in fact mine. I have attached a copy of my Chapter XXXX bankruptcy release of all creditors, and the company known as XXXX XXXX XXXX is aware of this release. The collection agency is in violation of their subscriber agreement with Equifax. My rights under the Fair Debt Collection Practices Act is in violation as no official assignment was ever processed or procured with the United States Bankruptcy Court. In essence, Equifax has no other recourse but to officially delete the attached account, and the collection agency must purge any information on against me personally and all pertinent information to the account in general.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

EXPERIAN Complaint dated XXXX XXXX, 2016 ; Experian failed to respond to XXXX XXXX XXXX ( XXXX ) reporting FRAUD on my credit reports. Similar complaints sent to XXXX and XXXX. Both Equifax and XXXX have removed XXXX from my credit reports. 
My experience with Experian has been total abuse and refusal to investigate my complaints. And/or to reinvestigate. In that both XXXX and XXXX have taken action on reinvestigations, obviously Experian fails to see the logic of the FRAUDULENT reporting. 
XXXX has been approached and also refuses to correct or remove my report.
Consumer complaint received 2015-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Since XXXX/XXXX/XXXX when I started a Request ID # for a Release of Deed of Trust from Bank of America on the mortgage loan I paid off in full on XXXX/XXXX/XXXX. XXXX County in XXXX is waiting so a title can be released. I have tried to work through approx. XXXX contacts to get this done. 
I have been given wrong information and been refused contact with supervisors. I was told that this ca n't get done for 3 mo. to 1 year and they keep changing stories/info. 
I did what I was required in paying loan on time and closing loan. Why ca n't Bank of America get their act together and do what it takes to get me the title to my home. 
If I wanted to sell the house or had too, I would n't be able to do so in a timely matter and would miss out on a possible opportunity because of their delays. 
Bank of America told me back on XXXX/XXXX/XXXX that I would receive proper title and documentation in 1-3 mo. I received a cover letter and the original NOTE by XXXX XXXX XXXX both stamped PAID in Full and loan paid off. 
The reps that have worked on this keep saying that they need something from XXXX XXXX? They have had since XXXX/XXXX/XXXX to get this. This Company is out of business. 
This is what happened over the period of the loan:XX/XX/XXXX opened 30 yr. mortgage loan with XXXX XXXX XXXX. 
XXXX/XXXX/XXXX loan was transferred over to XXXX XXXX XXXX XXXX XXXX , XXXX loan was again transferred over to Countrywide Home Loans , XXXX XXXX XXXX XXXX to be effective XXXX/XXXX/XXXX. 
In XX/XX/XXXX per rep Bank of America said they took loan over from Countrywide because mortgage scandal/bankruptcy. ( Note : Bank of America has had since XXXX to get all documents in order on the account. ) Also note that this loan was not with any mortgage co. for more than a mo or two till Countrywide from XXXX/XXXX/XXXX to XX/XX/XXXX. 
My request is to have documentation ( Request of Deed of Trust ) to XXXX County by XXXX/XXXX/XXXX. I was told when the 1st request Id was created the date would be XXXX/XXXX/XXXX. Since there are response times on this report this gives over the 15 day period. 
I also feel there should some type of fine or reprimand just like if I missed a payment I would get a late payment charge and could even get foreclosed when I was paying the loan payments. 
Note : None of the below apply this loan is paid off!! 
Also every time I contacted this company and had conversation I was informed that the calls were being recorded. They have all dates and information from my calls. 
I also have account numbers and documentation on file.