davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A. (ME)

I am trying to apply to remove my cosigner from my XXXX of my private loans. I was told on the phone with a representative that I could apply because the I have paid XXXX consecutive months on the loan. 
In the mail I got a letter saying that I was not eligible for the cosigner removal application. I called by bank and asked what was happening. after being put on the phone with an account manager I was told that I could not apply because I had a late payment on my record from XXXX years ago. The account manager told me to write a letter and fax it to the bank asking for the record to be removed because I was never late again for the past XXXX years. 

I wrote a letter and explained that the payment that was late was my first payment ever, that I was fresh out of collage and young and made a mistake. the wrote me back and refused to removed the late payment record. They admitted that I paid on for all my other bills and that the late payment did n't even have a late fee because it was n't over XXXX days late, But still they wont remove it. 

They said " Unfortunately, we are unable to remove that history. Remember, making your student loan payments on time may help you build and maintain a good credit history. " I was informed on the phone that I can never remove my cosigner because of that late payment. My cosigner is my Mother. both of my parents went through a bankruptcy and i would like to have them taken off my loans.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Good morning, I review my credit information and notice that there is a name reported as mine and it does n't belongs to my person. My full and legal name is XXXX XXXX XXXX. The name that appear is XXXX XXXX XXXX and is an error, maybe someone try to use my information. I will really appreciated any help in the matter. 
Thank you very much for your time, XXXX XXXX
Consumer complaint received 2015-08-13
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NH)

We have a VA home loan that is in default with Carrington Mortgage Service. We applied for a deed in lieu of foreclosure. We are at the point of getting an appraisal but the mortgage company does not have an agent assigned as a single point of contact managing our case. We have not gotten anything in writing about the deed in lieu process. We do n't know our rights and responsibilities as customers. Carrington has not offered clear communication about our rights and responsibilities as customers participating in their deed in lieu of foreclosure option. There seems to be no accountability in mortgage companies and this seems to be our only recourse.
Consumer complaint received 2015-08-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i am haveing promblem getting my tax refund, i ll file my taxes with XXXX, i did file XXXX because it was rejected, but they approve it on XXXX/XXXX/15 they sent it thru, now here where the promblem begin they sent my check to a banl in california, that bank sent my funds to Bank of America, i went in with information, Bank of America said even thou you have the doucument we cant do anything about it because it in another account, where they got these number from i dont no where, i never had a Bank of America, they said that the IRS is the only XXXX that can solve this promblem but in the meantime you have my fund in that account for 6 month, the IRS SAID THEY ARE NOT RESPONSIBLE, since it a XXXX party, XXXX said that seem like identity theft, i call the police department, they came and said thid ia not indentity theft, someone made a mistake and they need to correct it, so i really hope you guys can help me out
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft, someone has used my information to obtain credit cards. Capital one & XXXX credit cards. I 've been trying to dispute these litigations under me and have come to no prevail. Therefore here I am complaining on this board trying to get some justice. This is ruining my life emotionally and financially, credit means everything in this day and age and due to this heavy issue that I 'm confronted with I have horrendous credit. Simultaneously the collection phone calls have left me sleepless at night when in fact this is truly and genuinely not my cards. I hope this board can help me with my issues.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

I am filing with XXXX XXXX XXXX at the same time I am filing with you : This communique is to address my concerns over you reporting me to the credit burrow with late payment and adversely affecting my credit and ability to refinance my loan. This is simply not true, I have paid you the same amount for over 6 years, every month, always on time. This is easy to see in the attacked payment history that covers the entire time that your representatives would send me. I do have ALL of my payments and bills that I can produce if necessary, though my time doing that would be billable. 
XX/XX/XXXX, I inquired with XXXX XXXX XXXX ( XXXX ) to see if I qualified for a restructuring of my load to reduce my interest rates and payments. I was very vocal that I did not want anything with my existing loan to change without my permission. It appears that you did not pay any attention to me and sometime XX/XX/XXXX, without my permission you decided to start requiring escrow from me, which I have never paid. I make all my insurance and tax payments myself. It should be noted that they have always been paid on time and in full. 
XX/XX/XXXX, XXXX sent me a restructured loan packet with a HIGHER interest rate and higher payments. This was unacceptable and I declined it, instructing you NOT to change my existing loan again. I have to instruct you verbally and in writing numerous times before you stopped pestering me about it. However, as noted above, not only did you add escrow to my account, but you did not notify me. You then began sending me notices that my payments were not sufficient and all my payments were going into suspense. I made numerous calls and wrote numerous letters trying to straighten this out. XXXX was very uncooperative and rude on many occasions, refusing to transfer me to managers when I requested. I sent written notice to stop collecting esc row and not to make any payments. However, you still made a payment to my insurance company, even though I was paying them monthly. I had to take my own time to recoup this mistaken payment that you made and returned it to you in an effort to straighten out the escrow issue. All of this should be in your records. 
The above is a brief summary of what has transpired and attached are records of my payments, on time and for the full principle and interest. I want you to do the following : I want remove the " Late Payment '' on my credit history and with all credit reporting institution post haste. This would be the " account 30 days past due on XX/XX/XXXX. I made the same payments as always and the escrow was in dispute.
Consumer complaint received 2015-08-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Thaxton Investment Corporation (AL)

I got behind on my bills and I could not pay my loan ... .And the local local company calls me everyday harrasing me I have told them over XXXX times to quit calling ... every time I get my cellphone number changed they get it without me giving it to them after the harassment ... I 've had my cell phone number changed XXXX times because of the same person ... I honestly truthfully feel after verbally fighting with them between XXXX and XXXX times and paying to have my number changed XXXX times I am being stalked and harassed ... I am XXXX and should not have to be treated like this.The name of the Company is Coventon Credit In XXXX AlabamaAlabama There phone number is XXXX.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

On XXXX/XXXX/XXXX I received an alert from XXXX advising that my information was being sold on the blackmarket. I also received notification of inquiries being made on my XXXX and Equifax reports. XXXX quickly added a Fraud alert and advised that they would notify the other credit reporting agencies and research the inquiry. They removed the inquiry within 2 days. I contacted Equifax and disputed the credit inquiry ( XXXX XXXX ) on that report. On XXXX XXXX, XXXX I received a letter from Equifax stating " The results are : Inquiries are a factual record of file access ''. 
In summary : I DO NOT believe Equifax investigated the inquiry on my credit report. I believe that I received a blanket response. I do not know or understand what my recourse is here. Equifax continues to allow inquiries of my credit information with out my consent. There have been several inquiries over the last six months. Also, I am attaching their response. On page XXXX ( Research Request form ) ... the address portion of the form is pre filled and has a previous address of : XXXX , TX XXXX. I have neither lived there, nor have any knowledge of that address.
Consumer complaint received 2024-11-13
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. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from 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
Consumer complaint received 2015-08-13
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (PA)

I went to a Western Union agent and sent money to my wife, I am in XXXX she is in XXXX After completing the transaction on my end my wife showed up presented her valid Photo Drivers license and they have refused to give her the money because they say they cant issue it because of her name is to common based on regulations issued by the XXXX, when I contacted them this is what they say we have to provide I am not comfortable sending ID information through XXXX XXXX & how can they guarantee it will remain secure. And how would the agent at the mom & pops store even know if I send it to WU and they do not have a computer or a screen on their register to even verify it is my wife.. here is what they have said on XXXX ... ... ... ... ... .To complete this transaction, Western Union will need to obtain and review a copy of the receiver 's government-issued photo ID, for example, a passport, driver 's license, or any other national ID and additional verbal details. 
The copy needs to include both sides of the ID, and any government-issued photo ID, from any country, is acceptable. The customer should also include their place of birth XXXX city and country XXXX if not listed on the ID, occupation and residential address. 
Please also make sure the following information for the receiver is filled out in XXXX in the message to Western Union : Full legal name of the receiver : City and Country of BirthDate of BirthID NumberID TypeIssuing country : ID Expiration DateResidential addressOccupation ( please specify position, or business area ) .... 

for me to get a refund They want this ... ... ... if the receiver is not able to provide the required ID, a Letter of Explanation ( " XXXX '' ) is needed to let us know why the customer is unable to provide ID. If the customer must pursue this option, the following information must be provided in the LOE by the sender : Content of Sender Letter of Explanation : o MTCNo Full legal name of the receivero Date Of Birth of the XXXX City and Country Of Birth of the receivero Relationship between sender and receivero Purpose of the XXXX Explanation why ID copy can not be providedo Occupation of the XXXX Address of the receivero Sender 's signatureproblem is she has a valid photo id, I explained to them that I am not comfortable sending this info to them after having problems with my Identity being used or taken ... .As a disable/retired U.S. Veteran I understand being secure but they are asking me to give information my bank does n't even have, nor do I provide anyone ..How is some of this relevant to a simple money transfer??? and also what does our birth information and occupation having anything to do with it..That information would n't be on her Photo driver 's license anyhow
Consumer complaint received 2015-08-13
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: Santander Consumer USA Holdings Inc. (AZ)

I received a call from XXXX Santandar at XXXX I was under the impression they are not to call after XXXX my time. It was inconvenient and the man spoke too fast I could n't get his name. 
I was already in bed when he called, thinking it was an emergency from my kids. 
We should n't have to be bothered that late at night.
Consumer complaint received 2015-08-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: AMERICAN EXPRESS COMPANY (CA)

This is regarding unlawful debt collection practices of XXXX. XXXX received a court order to have my bank account seized to pay a debt, taking every penny to my name XXXX it was basically enough money to cover rent and expenses for a month ). This was done with no notification. After seizure, I contacted them to know why did they do this after I had told them as soon as I get stable employment I would work out a payment plan. They said they unsuccessfully tried to serve me at an address that I did not recognize. I have been at the address I currently live for more than 10 years and had provided it to them twice, in addition it is my credit card billing address. They said because they could not reach me they posted notice in some newspaper and this is all a judge needed to know in order to find judgment against me. This is illegal according to California Civil Code section 1812.700 - 702.
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation (CA)

A letter was sent on XXXX XXXX, 2015 in response to a DEMAND LETTER from Franklin Credit Management Corporation. The letter was sent as a Respa Qualified Written Request and has not been responded to in the time required by law, validating the debt. Several documents were requested but none has been received as of XXXX XXXX, 2015, neither any acknowledgement of such letter.
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

I have been in touch with several Ocwen representatives over the last 7 weeks in an attempt to take the necessary actions to remove the PMI on my account. I have been given different information by each associate and my requests for a valuation, personal appraiser requirements, timing, and payoff have gone unanswered ( note : I have a full record of the associates, dates and information I was given if requested ). I have made formal requests via email and US mail. None of the responses to my letters addressed my actual requests and each time I called the customer care line I was given the run around. It truly seems as if the associates are trained to be misleading and provide limited information and assistance so that Ocwen can benefit by continuing to receive financial rewards. In my most recent letter to Ocwen, sent via email and US post on XXXX/XXXX/15, I provided details and dates of all of my calls and requested in writing the following information. 
1. Cost and timing for completion of an Ocwen-managed valuation. 
2. Confirmation that Ocwen will accept private appraisals, and if so, which vendors must be used. ( I was told by a few associates that a private appraisal was acceptable however I received a letter from Ocwen dated XXXX XXXX, 2015 that states " If requested me must receive a current property valuation procured through OUR vendor '' ). 
3. The date that the principal would meet the criteria ( LTV = 80 % ) to remove the PMI if I continue to make standard payments. 
4. What is the current amount that, if paid immediately, will permit the removal of PMI from my mortgage. 
5. The name of a contact at Ocwen, located in XXXX XXXX XXXX, FL, that I can contact directly for assistance with this process. 
Again, I have received no response to this request.
Consumer complaint received 2015-08-13
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

my problem is with chrysler capital. The day XXXX XXXX, my car XXXX XXXX and was a total loss. the manufacturer does not want to pay and this in court by the Lemon Law. I kept making payments for automatic debits chrysler capital. and they reported that I am 60 days of nonpayment, and my credit under XXXX points which is very bad. I took 3 months in this situation and they just say sorry and I will fix it. THANK YOU VERY MUCH FOR YOUR HELP
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I have a {$9.00} toll charge with the XXXX. They have a contract with Linebarger Goggan Blair to collect debts. I live in the XXXX area, and my bank card on file had expired so when the money in my account was used, it kicked back the charge. I received an invoice for the tolls + administrative costs from XXXX. I contacted them to correct the issue. I was told to contact my local toll authority ( XXXX ) and have them send over verification of a good standing account. I did that. During their exchange of information which I have no control over, XXXX sent my account to collections, subsequently adding approximately {$120.00} on top of the {$30.00} administrative fees ( which XXXX agreed to remove ). My final bill is {$150.00}. I was instructed to contact Linebarger for any removal of their fees, which they told me they would not do under any circumstance, and the collection representative " XXXX '', informed me that I had committed a Class C Misdemeanor and had broken the law. All the toll authority had to do is run the charge again, but they send their accounts to collections because someone is getting their pockets lined at the consumers expense. It is unethical. I did not attempt to break any law and XXXX has since received money on behalf of my toll usage, but has maintained that they will not take my toll payment for this one day.
Consumer complaint received 2015-08-13
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I just read an article in the XXXX XXXX XXXX about Citizens bank being fined for botched deposits. Well it just happened to me, so they are still doing it to consumers. 
On XXXX/XXXX/15 I deposited a check for {$3700.00}. Fortunately I had the check photo printed on the receipt and it only shows {$740.00}. On XXXX/XXXX/15 I went to the branch and they said it would take up to 10 business days for me to get my {$3000.00}. I think this is not right! You should fine them some more.
Consumer complaint received 2015-08-13
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NC)

call me sunday morning XXXX a day. numerous calls restricted line and bank call and evine line. tell them I need an extension but will not extend. but calls all times of the day sometime XXXX a day. evine live and syncb bank call me from different numbers and harass me. and threaten me.
Consumer complaint received 2015-08-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I filed for bankruptcy in XX/XX/XXXX and the creditor was notified. After my bankruptcy discharged in XX/XX/XXXX I checked my credit report to make sure all my debits were showing as included in my bankruptcy one creditor Capital One was still showing my account in Charge-Off status. I disputed the item on my credit report through XXXX and received a response that the debit was valid. I contacted Capital One directly on XX/XX/XXXX was told by XXXX agent # XXXX XXXX that the debit was exempt from bankruptcy. According my bankruptcy filing only taxes, federal student loans and child support are exempt from bankruptcy proceedings with a few other exceptions but unsecure credit cards are not the exception. At my creditors meeting during my bankruptcy proceedings Capital One did not dispute the debit. All debits prior to XX/XX/XXXX are discharged as of XX/XX/XXXX per bankruptcy discharge papers from the court system. I am asking for you assistance in resolving this matter as it is negatively affecting my credit. I am trying to rebuilt my credit and having bankruptcy is difficult without have a discharged debit being considered twice.
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

owner XXXX XXXX file compliant against bayview loan servicing for predatory lending practice. hoepa home ownership and equity protection act of 1994. and tila truth in lending act violation of both hoepa and tila 1 ) high interst rate 2 ) high escrow charges fees and unreasonable late fees respa real estate settlement procedure act 1 ) past due amout and excessive charges unearned and duplicate fees violation of section regulation x improper charges and improper fees. owner request to publish this information to other victims if you are interested in bring a class action lawsuite against bayview loan servicing please be willing to sign petitions and call me XXXX at XXXX thank you