davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

On XX/XX/2018 ; I started a loan modification application with my servicer, Bayview Loan Servicing. I received a notice that Bayview would transfer the servicing of my loan to XXXX XXXX XXXX XXXX on XX/XX/2018.

On XX/XX/XXXX and as of today 's date ; I have contacted XXXX XXXX XXXX  consistently about the transfer of my loan while in default and to find out whether my loan modification application package would be transferred from Bayview to XXXX XXXX.

As of this date, XXXX XXXX has informed me that they do not show any of my loan information in their system - they do not even have a loan number assigned to my loan ; a fact which has prevented me from submitting their loan number to this complaint and from getting the servicer any missing information that might by needed to make a determination on my application before the XX/XX/2018 sale date.
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

An account appeared on my credit report with a balance of {$950.00} When I disputed this on XXXX XXXX which is how I found this account. I was not able to get a resolution. since then I have received letters stating that this debt is beyond the statute of limitations yet the company is still reporting this debt that I have knowledge of ever obtaining or raking up.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sierra Holdings LLC (TX)

I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a defaulted credit card obligation that I owed to Capital One Bank.  They filed suit against me in the Magistrate Court of XXXX County, Georgia.  A judgment was entered against me for $XXXX, on or about XX/XX/XXXX.  In XX/XX/XXXX, I began the process of re-financing my mortgage with a HARP loan.  I was told that I would have to satisfy the outstanding judgment lien to Capital One Bank before the re-financing could be completed.  I contacted the law firm representing Capital One Bank, XXXX XXXX XXXX, in early XX/XX/XXXX.  We reached a settlement amount of $XXXX to resolve the debt.  I spoke with attorney XXXX XXXX.  I mailed certified funds for $XXXX(cashiers check) to XXXX XXXX of XXXX XXXX XXXX  on XX/XX/XXXX.  They received the funds and they dismissed the lawsuit/judgment on XX/XX/XXXX.  They then filed a Satisfaction of Judgment in the Magistrate Court of XXXX County on XX/XX/XXXX.  Then, on XX/XX/XXXX, I received a copy of a garnishment action filed by XXXX XXXX XXXX, against me the exact same debt described above even though the debt had been paid in full and satisfied over a month earlier.  My employer had been served with the garnishment and withheld 25% of my pay plus fees.  A total of $XXXX was taken from my paycheck.OnXX/XX/XXXX, I immediately called XXXX XXXX XXXX  to see what was going on.  I left messages for both XXXX XXXX and his assistant, and never received a call-back.  On Monday, XX/XX/XXXX, I again left messages for XXXX  and never received a call-back.This debt-collection attorney firm resolved the debt I owed and received my funds, YET THEY CONTINUED TO PURSUE A GARNISHMENT ACTION AGAINST ME FOR THE VERY SAME DEBT CAUSING ME TO LOSE 25% OF MY CHECK.  AS A RESULT, I HAD THREE CHECKS RETURNED FOR INSUFFICIENT FUNDS AND WAS CHARGED FEES IN EXCESS OF $XXXX.  THE LAW FIRM REFUSES TO CALL BE BACK AND RESOLVE THE MESS THEY CAUSED.They have violated the FDCA by collecting on a debt they KNEW WAS SATISFIED.  THEY USED THE LEGAL PROCESS AGAINST ME FOR A DEBT THEY SATISFIED OVER 30-DAYS PRIOR.THE OFFENDING LAW FIRM/DEBT COLLECTOR IS:XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX(XXXX) XXXX
Consumer complaint received 2018-10-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (IN)

Beginning XXXX I pulled my credit reports and found a collection I didn't know about. 
On XX/XX/XXXX, I sent a certified letter to GLA Collection Company asking for debt validation. No response was made to letter. 
On XX/XX/XXXX, I received a bill of {$260.00} from GLA which did not match credit reports listed {$220.00}. Amounts owed did not match. 
On XX/XX/XXXX I sent another debt validation letter to GLA. 
No XXXX to letter. 
On XX/XX/XXXX, I sent another debt validation letter to GLA. 
On XX/XX/XXXX, I received an itemized bill. 
On XX/XX/XXXX, I sent another debt validation letter as this collection could not be verified with XXXX or XXXX it was deleted. XXXX still reports the {$220.00} owed. Amounts do not match and the company does not validate the debt.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (NC)

The account in Question with ( Diversified Consultants ) Account # XXXX keeps reappearing on my credit profile. I have a recorded phone conversation with both parties Diversified Consultants & XXXX XXXX stating that this account would be deleted of my credit its was paid in full with the original creditor but still remains on my credit. I tried calling both parties now there saying there is nothing they can do even thought I own no money.
Consumer complaint received 2023-03-20
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)

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time. I have doubts about their accuracy and the reported payment history on accounts are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the accounts be removed to correct the information. 
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 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXx Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I ordered some diet pills from a company d/b/a XXXX  XXXX and XXXX XXXX, at the end of XXXX it was to be pay shipping and handling of {$4.00} and if you canx within 18 days, you would owe nothing further. I called and requested everything be cancelled on XX/XX/2018. Then in reviewing my checking account I discovered they charged my checking account XX/XX/2018 for {$69.00}, XX/XX/2018 for {$79.00}, XX/XX/2018 for {$84.00}, XX/XX/2018 for $ XXXX..I called XX/XX/XXXX and spoke w/XXXX @ USAA and submitted a dispute. On XX/XX/XXXX XXXX XXXX XXXX to follow up and I also cancelled my bank card. At first the bank put the money back, then they turned around in XXXX and reversed all the money which in turn caused my account to be over drawen, I have repeatedly called the bank since and I have been unable to recover my funds. I have filed a complaint with the XXXX  with no help. I live on a fixed income and can't afford to lose over {$300.00} dollars.
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

Freedom Mortgage is the servicer of three of my mortgages. They frequently send mail solicitations via USPS promoting refinancing and pther loan products. Often these solicitation include details of my personal finances including my existing loan balance and cash out availability. Due to concerns for my privacy should the mail be misdirected not to mention the pure nusance of so many comminucations, on XX/XX/2018 I  contacted Freedom Mortgage via email to request that they discontinue sending mail solicitations and any other correspondence other than that which is necessary and required to service my existing mortgage loan. I received a mail correspondence from Freedom on XX/XX/XXXX acknowledging my requesting and indicatng that my privacy settings had been changed on al three accounts. However, these unsolicited and private financial information continues to be sent to my home ( letters were received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ). I have communicated with a Ms. XXXX XXXX, a representative of Freedom Mortgage with the assistance of the New Jersey XXXX. However, Ms XXXX has been unsuccessful in addressing my concern and insists that that they not coming from Freedom Mortgage. The attached photos from a soclitation postmarked XX/XX/2018 proves that indeed the letters are coming from Freedom Mortgage and financial  information regarding my loan is clearly visible through the address window of the envelope.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I AM UNABLE TO OBTAIN MY FREE CREDIT REPORT FROM EXQUIFAX CREDIT BUREAU DESPITE MY NUMEROUS REQUESTS. 

PLEASE HELP ME NOW
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

My XXXX XXXX  XXXX with XXXX XXXX XXXX was transferred to Capital One with no clear notice it was changing banks. The letter indicated new account could be set up after XX/XX/XXXX however I didnt receive new card until XXXX & could not access online system at all because they entered my Birthday wrong. Payment in new system was due on XXXX but I never received card or bill to pay from for new account. Bank charges fee & told me even once Birthday corrected couldnt access online for 72 hours. I am one of many transferred & they only allowed 7 days from the time new system was active until payment due. If any errors in transfer this delayed set up additional 3 days & you must set up payment 2 days ahead of time so they did this in a way that guaranteed fees to most customers in the conversion. The bill due in XXXX was from XXXX XXXX XXXX not Capital One so how would you know the payment should be sent to Capital One. Statement even had old account numbers not new ones.
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Reporting Act, XXXX XXXX Bank account # XXXX has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I noticed that XXXX XXXX XXXX powered by Experian offering within the XXXX XXXX app stated that my credit check status was only " Fair '' due to 3 recent hard inquiries ( see XXXX attached ). As two of the inquiries on my credit file were for mortgage preapproval and both were on XX/XX/2022, and based upon my understanding that real estate mortgage inquiries only count once within a 45 day period, which is highlighted in " What exactly happens when a mortgage lender checks my credit? '' attached, I believe should only have my hard inquiries on my record currently count ( as of time of this complaint ) as 2 inquiries. 2 inquiries would put me into the " Good '' category ( see recent credit hard inquiries XXXX attached ). As a result of this, I called Experian on XX/XX/2022 at approx. XXXX ET. The representative said that even though mortgage inquiries should count as 1 combined, they show up as separate inquiries because they are from different companies. As a result, she informed me that 3 hard inquiries will continue to show up on my credit report. When I inquired if this changed my status to " Fair '' she informed me that she could see no information about my credit score at all and I'd need to speak to " Membership. '' I decided to follow up and call XXXX instead at approx. XXXX ET. When speaking to the XXXX representative, I was told all the information was coming from Experian, and they see whatever Experian shares, which I understood to include the Fair credit check status and 3 inquiries rather than Good status and 2 inquires. I was told that this was Experian 's responsibility to ensure was reporting accurate information and all the information comes from Experian.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (OR)

On XX/XX/2022 I attempted to use my new " XXXX XXXX XXXX '' to pay a vehicle repair bill of {$2200.00}. The card was declined. I called customer service and they informed me that my limit was {$500.00}. I told them that in order to use this card to run my business I would need a higher limit. They raised my limit to {$5000.00}. They also informed me that my billing cycle was 7 days. I told them I needed it to be 30 days. They said they will take care of that and I will receive a confirmation email. I never received an email and 2 weeks later they charged me a {$270.00} late fee. I was then charged a {$5.00} high risk fee. I paid the bill of {$2200.00} but not the fee. I called customer service and requested the late fees to be dropped. They said they can't drop them but will credit the account the amount of the fees but I still need to pay them. I no longer want to do business with this company and want my balance to show {$0.00}. How many people have been charged {$270.00} for a late fee. I feel like this should be a lawsuit situation.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have thoroughly reviewed my report and have found fraudulent items located on my report. I have been a victim of fraud recently and believe this information is a result of the fraud. I need the fraudulent items blocked immediately!
Consumer complaint received 2018-10-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (MD)

Paid off Vehicle in-full at Bank Branch in Maryland more than 45 days ago, and called Customer Service 20+ Times over the same time span. Consistently receive different information that the " Lien Release '' has already been mailed, that it was already processed, that it's never been processed, etc. Considering contacting state Attorney General since PNC is likely operating outside of legal limitations to release Lien after Vehicle has been fully paid off!
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

*Cavalry Portfolio Violated/failed to respond Texas finance 392.202. 
*Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and IT WASN'T A DISPUTE, Cavalry handled my request as FDCPA DISPUTE. 

# # Complaints, As of today XX/XX/19 1. Cavalry didn't provide the correct validation per Texas Finance code 392.302 2. Didn't remove trade lines from my 3 credit bureau 's reports. 
3. Remark trade lines as DISPUTE.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (ME)

I called PayPay on XX/XX/2018 to ask about my APR. I was told that my APR is 25 %. The last time I checked it was 19 %. I asked why PayPal had increased my APR as I am a good customer, not late with payments, not missing any payments, and was told that PayPal changed banks in XX/XX/2018 and due to this change they increased their rates. I then asked how I can get my APR lowered and was told there is NO WAY to lower this rate. I'm shocked that since I have been on time with payments, usually making extra payments and never missing a payment, that I would have my rate raised and not be able to lower it..ever! I suggest that everyone who has a line of credit with ayPal check to see what or how much their rate went up. This is robbery!
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

The XXXX XXXX XXXX managed by Barclays is the worst in handling accounts as a financial institute. The bank without any kinda of notification cleared balance transfer request of {$9000.00} and then {$6000.00} on the same day. The total amount was nearly {$5000.00} over my approved credit limit and I never got any notification or alert that a transaction is request over my credit limit. 
Then when I call the customer care they tell me please ready the fine print it is mentioned that balance transfer are approval based on the information provided and can go over my approved credit limit. When I raised my concern on my account security said banks fraud team decide the authenticity on the information provided and will only contact me if they feel it is a fraud. Which mean they are ready to transfer money from my account over the approved credit limit without notifying me in any ways. Which is a high risk and concern for me, provide in this case I messed by request two balance transfer because I never got any notification for the first balance transfer request. 

But, what if my online account access was jeopardized and a stranger would have request the balance transfer which is over than my approved credit limit. This is a high risk for all consumers in the bank. 

It is not correct to approve balance transfer request over my credit limit without confirming or notifying the customer who owns the account. It end of the day me who will have to pay.