davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE (MO)

I filed Chapter XXXX bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. The bankruptcy included at least one credit card account from Barclays Bank. Since the discharge, I have received numerous phone calls from different debt collection agencies trying to collect on behalf of Barclays. I always notify them verbally that I filed bankruptcy and that they are not legally allowed to contact me, but then it seems the collection agency changes and someone else tries again. The most recent company calling me is XXXX XXXX XXXX. It called from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and twice today XX/XX/XXXX. In XXXX, it was a company called XXXX XXXX calling from XXXX, which called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke to XXXX from that company on XX/XX/XXXX and spoke to XXXX on XX/XX/XXXX. There have been other collection agencies and other dates, but those are the ones I have close to hand. Please help me get Barclay to rescind all collection actions because they are illegally harassing me at this point.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2020-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

This company have been charge me for this amount for awhile, I try to contact them many times. Also I hire a lawyers and pay lot of money, submit disputes and not responses from the bureau. I am a military spouse, mu husband XXXX XXXX so I have 100 % medical insurance, also I have medical insurance from my job a real good insurance a premium one. Why I been charge from this company something that is not belong to me. Their response was that the hospital charge me, but the truth is I use Military Hospitals to been seem by doctors and my XXXX doctors are on XXXX. Im absolutely desperate because this have been in my records and ruin my credit History and because I didn't have acknowledge about my credit History was like this now I recurring to here for help. I don't think is fair all this situation. HELP PLEASE
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my current credit report as of today XX/XX/2020 through XXXX. I've notice that the following accounts are in continuously reporting of violation of FCRA rules section 1681. Of multiple inaccuracies and inconsistency.

: Account under the name : ( XXXX XXXX XXXX ), Original creditor ( XXXX XXXX XXXX  ) violations for not reporting consistently. Nither XXXX  or XXXX  reports this account. Unverifiable Account, & must be removed in addition furnisher must be blocked from future reporting. As per section 1681 of FCRA and Section 809b of the FDCPA.

Account under the name ; ( XXXX XXXX ). This account doesn't look familiar. I am not saying Account is fraudulent but I do not recognize this account. And Creditor can not accurately validate Account. A violation of FCRA rules section 1681.

Account under the ( XXXX  ) this account is currently reporting inconsistently. Account does not appear to be reporting on either XXXX  or XXXX  this is a violation of FCRA rules section 1681. 

Account under the name ( XXXX XXXX XXXX ). Account balance & credit limit is inconsistent and inaccurate. Violation of FCRA rules.
Consumer complaint received 2020-06-04
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX {$0.00} XXXX {$44.00} XXXX {$19000.00} XXXX {$270.00} XXXX {$190.00} XXXX {$3500.00} XXXX {$1700.00} CHAPTERXXXXBANKRUPTCYDISMISSED
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

My complaint is against PayPal , Inc . The complaint is that the online Activity view of my transactions is incomplete and does not reconcile to the Statement that can be downloaded after the end of the period, in this case, the month of XX/XX/2020. 

To clarify, I was paid for a transaction that is shown in my online Activity view of transactions. The problem is that there is no record in my online Activity view that the transaction was refunded. The complete record is only available by downloading the statement. 

The details. I agreed to refund a buyer via a Resolution Center dispute. The money was removed from my my PayPal balance without any update being recorded in my online Activity view of transactions. The original transaction does not show refunded, and there is no evidence in my online Activity view of transactions that the transaction was ever refunded. 

In short, the Statement download shows the money going out of my account, but it does not reconcile it to the original transaction ; and in any case, the online Activity view does not reconcile to my Statement download.
Consumer complaint received 2020-06-05
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: Experian Information Solutions Inc. (SC)

I have been dealing with identity theft issues for the last several years. A while back I was notified that important information was exposed in the XXXX data breach. I didnt notice anything strange until a few years later when I received another notification about a huge data breach with XXXX. After these events I noticed random inquiries that I supposedly applied for credit with, but this was not me. So I started looking into it and I ordered my credit report. Once I got my report I was able to detect fraudulent information reporting on my credit file. This was definitely fraud
Consumer complaint received 2020-06-04
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. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 
XXXX {$760.00} XXXX {$400.00} XXXX {$2500.00} XXXX {$2700.00}
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

This account is being reported inaccurately going back to XXXX. Conflicting payment information was repeatedly posted for XXXX - XXXX Charge Off vs. Paid vs. NR. Chapter XXXX note listed erroneously.
Consumer complaint received 2019-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Experian Information Solutions Inc. (NJ)

I had applied to Experian a credit report business that gives many services in line with credit scores and reports.I had not completed the application and was waiting to and after so much time in weeks they put on a charge of {$23.00} on my XXXX debit card.And they caused me to now have bad credit.All that time and they decided to get a transaction not authorized.I would like a refund of my money of {$23.00} and they gave me {$3.00} back after I complained.
Consumer complaint received 2020-06-04
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. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 
XXXX {$760.00} XXXX {$400.00} XXXX {$2500.00} XXXX {$2700.00}
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage was recently purchased by NewRez ( www.newrez.com ) and there have been many problems with them. 

The company started by double-charging my bank account for my monthly mortgage payment due to a 'glitch ' that hit 2,000 loans during a transfer. Next, the company cancelled my automatic bi-weekly payment plan and refused to switch it back without me going through their process. It has been more than 2 months, and they haven't processed my request. This directly impacts how much interest I pay, and costs me money while they make more money. 

The company 's letter describing the process of my mortgage transfer said my account had automatic monthly payments set-up and I confirmed this online. On XXXX the company had debt collectors calling me saying I was late on payments, their customer service rep told me with the bi-weekly payments being set-up I don't need to make a payment ( conversation took place on XXXX ), and NewRez 's website said I needed to make 1.5x my normal monthly payment ( website checked on XXXX ). How can I know the status of my mortgage when they are so disorganized?! 

The company is raising my monthly payment to " cover escrow '' but my property value is down. This makes no sense, so I requested to have escrow removed from my account and was denied. I have never missed or been late for a payment, therefore there is no cause for denial.
Consumer complaint received 2023-06-06
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. (TN)

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. 
I told the Experian, XXXX, and to reinvestigate these account : Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and the status date still stating 2019 which means there was not a investigation done they have fail to do proper investigation and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CL Holdings LLC (AZ)

XX/XX/XXXX CARD WAS TO BE OPENED IN MY NAME AND SENT TO ME AS A PROMOTION FOR PAYING OFF A DEBT WITH JEFFERSON CAPITAL LLC. 

I PAID OFF THE DEBT IN RECORD TIME AND SINCE THIS TIME I HAVE NEVER ACTUALLY HELD THIS CARD IN MY NAME. 

THEY HAVE BEEN SENDING ME DEMAND FOR PAYMENTS FOR MONTHS YET THEY ARE NOT EVEN CORRECTLY OR INCORRECTLY REPORTING THIS CARD ON MY CREDIT REPORT. 

I HAVE FILED REPORT AFTER REPORT OF THIS ACCOUNT NEVER BEING IN MY POSSESSION AND THEY REFUSE TO HELP
Consumer complaint received 2019-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

our problem has been going on for three months..our loan company has not paid the taxes on our home and they are collecting escrow fees. we are with lakeview loan servicing and called their number only to find out that number is no longer in service. we have been forwared to XXXX and giver a case number of XXXX and have been told that they would contact me within 48 hrs? so far we have had NO contact within one month and have received a letter from XXXX assesors office that as of today XX/XX/XXXX the tax 's were STILL NOT PAID! we just need somebody's help you can reach me XXXX XXXX At XXXX XXXX XXXX Please Help
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

I am complaining about some actions that Credit Colleciton Services has committed against my rights as a consumer. 

Account information is the following : CREDIT COLLECTION SERVICES XXXX, original creditor : XXXX, Original Balance {$120.00}. 

This company is reporting inconsistences on credit reports, violations for misreporting and reporting wrong open date. 

I am demanding this item to be removed from my report, and a deletion letter for my records, or I wont hesitate taking this case to the next step. I am already getting legal advise on this case. The legal advise spent is one of many damages that I have suffered due to this issue. 

Please send the attachment to Credit Collect Services. 

Thank you!
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KLS Financial Services, Inc (NC)

In late XXXX, I was contacted by KLS Financial claiming I owe them {$660.00}. At first, I thought it was a scam and hung up the phone. After thinking and looking up the company on XXXX I saw they were a real company so I called back. They informed me they were trying to collect a debt. The address they gave me was not my address. I told them to send me validation of the debt to my address not just verification of my mailing address. On XX/XX/2020 after seeing they put the account on my credit reports and them verifying my disputes with the credit bureaus as valid, I sent them the attached debt validation letter asking for a contract with my signature and proof from the original creditor they are allowed to collect on the said debt. They sent me a contract with a signature that is not mine. On XX/XX/2020 I sent them a notarized letter with my signature. I signed the letter in front of the notary public as legal proof that is my signature. They reply was they are not signature people. Then, they tried to tell me the signatures look the same. On XX/XX/2020 I once again asked them for the contract with my signature and the name of the person who at XXXX XXXX  who verified that I owed the debt because I have not been able to get anyone at Howren music. Kls Financial has yet to send me a valid contract with my signature agreeing to this said debt. KLS Financial hasnt sent me any paperwork from the original creditor which says they can collect on this said debt.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XXXX or there about, I was advised by my credit monitoring service that a hard inquiry had occurred on my report from 5/3rd bank. I had not authorized any such inquiry. I am president of a corporation that is in a suit against 5/3 bank tho I am not signed personally on this loan. The bank is in negotiation to settle the claim with me. I believe there actions where intensional Im an effort to determine my personal ability to loan the company funds to pay the debt. It was a credit line with which they called due with no notice s as Nd no default. They obtained fraudulent service claiming the suit was hand delivered to an employee I havent had for years accepting the document for service now to find my financial ability they ran my personal credit without authorization, this is what they do, anything they want to!
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (GA)

We started a loan application for a small mortgage with Rocket Mortgage back in XX/XX/2019. The home we were purchasing was new construction and therefore we had to wait for completion of the home. 

We sent in early in the process all the documents requested. Our closing date was set for XX/XX/XXXX and we were under the impression all was ready to go. On XX/XX/XXXX, we received a closing settlement statement. At the time I informed Rocket Mortgage that they had the incorrect amount of money we had already paid the builder from earnest money and for change orders. They were {$100000.00} short of what we had actually paid. I tried several times to message them and have it corrected with no response. I finally signed the incorrect papers I believe on XX/XX/XXXX, a few days before the expected closing since I was not getting a response. On Tuesday, XX/XX/XXXX I was informed that they had received the paper and that they now needed 4 business days to review and that was pushing our closing back to XX/XX/XXXX. 

At this point we were very unhappy because if we had been responded to in our messages trying to correct the error it would have given us more time for all the requests that would be coming our way. Once they realized they were off {$100000.00} they began auditing our account and asking every single day for more and more documentation, pushing our closing back day, by day, by day! Additionally the people reviewing our documents don't know what they are doing and don't seem to understand what a financial statement looks like! Every day I send new items and every day they find something new they want. We are currently waiting as they review more of their request and no set closing date. 

We understand that they need to see where our money comes from but they have had almost 6 months to get what they supposedly needed, not request it the day before closing, making us wait for who knows how long to be able to close. We have showed them the statements showing the large deposit of money from the sale of our previous home into our accountant in addition to the settlement statement from that sale showing the money.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

account # XXXX This is a business credit card that serviced real estate investing business that is now permanently closed since XX/XX/2020. The business did not qualify for a Govt. PPP ( Corona Virus Emergency Loan ) and therefore had to lay off 10 employees and close the business.

As the responsible owner understanding that I personally guaranteed this credit card, I am WORKING hard to try to work out a solution with Capital One but Capital One has only offered to push payment dates back despite me alerting them to the fact that this is a LONG term issue and it needs to be addressed today. Resetting the payment date was helpful the first month, but now that we are in month 3, it needs to be responsibly addressed. 

I am in a position where I can " possibly '' make the payments on the card but at a reduced rate or structured payment plan. The current terms of the card on a CLOSED business due to COVID -19 is beyond unfair, unmanageable and can not continue. 

My attempts to handle this call with Capital One over the phone has been met with being put on hold for obscene amounts of time only to be told, " we can not help outside of resetting your monthly payment for 30 days but ALL interest will still accrue '' Unfortunately I am getting the feeling that Capital One wants to abuse the situation and squeeze every last drop of pennies out of its Business Card customers. According to the CARES ACT, financial institutions are obligated to work with customers and not outwardly push customers into poor credit reporting situations or bankruptcy. I should not have to be 60 days late to be assisted during this situation. That act would be predatory and unfair. 

Again, I am only asking for Capital One to assist with setting up a payment plan at a reduced interest rate without harming my personal credit due to the business closing in lieu of the COVID - 19 Pandemic. We all need help and I am trying to rectify this responsibly but I need cooperation!