davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-08
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX/XXXX/XXXX, I received a certified letter from Capitol One stating that the company had decided to forgive any remaining debt on a loan and release any interest it had to my home due to a bankruptcy filing. The problem is that I have NEVER had ANY type mortgage loan with Capitol One. Immediately I tried to contact the company to inform them of this fact but to absolutely no avail. When I personally researched further on the internet I found that Capitol One had bought a company, XXXX XXXX Bank, XXXX XXXX. That company ( XXXX XXXX Bank ) was listed in our our chapter XXXX bankruptcy filing XXXX, XXXX. I was granted a discharge from this debt by the XXXX Bankruptcy XXXX XXXX XXXX, some ten years BEFORE Capitol One acquired XXXX XXXX and 10 years AFTER that account was closed by the court 's granting of the discharge. Capitol One 's actions of supposedly forgiving this debt and issuing a XXXX is actually a de facto attempt to reestablish a debt that was legally discharged some 17 years prior. In addition, the account number nor the property address listed on the Capitol One letter that I received XXXX/XXXX/XXXX, were the ones that were actually listed on the formXXXX creditors holding secure claims that was submitted to the court when I filed XXXX, XXXX for bankruptcy protection. I have continued efforts in trying to contact Capitol One by certified XXXX postal mail and visits to a local branch to rectify this disturbing situation for my wife and myself but again to no avail. I find these actions by Capitol One to be both despicable and fraudulent. I would greatly welcome any help in correcting this matter. My wife and I have worked extremely hard in rebuilding our lives and credit history. It was with tremendous reluctance when we were forced to file for bankruptcy protection so long ago. I was under the belief the discharge granted by court in XXXX would have protected us from this type of fraudulent and disturbing corporate activity. I have all supporting documents and I welcome the opportunity to provide them to you in the resolution of this matter. Thank you.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are several inaccuracies on my credit report that I thought I clarified with documentation. I had sent, copies of divorce papers, police report and copy of my dl, and the credit reporting agencies still have not updated my accounts. 
Furthermore there were XXXX fraudulent addresses on their reports of places I have never been, accounts I had never opened. They ignored the updates to my file. These errors affect my life, I am on a fixed income and every point in this system, which I am at their mercy to counts by the dollar. I want all of them held accountable for their mistakes. I do not want to lose my house because they do not scour the information like they claim.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was stunned to find erroneous accounts on my credit report today, and I have no clue how they got there. I always check my credit report regularly, and everything was fine until now, but suddenly there are these discrepancies. I tried refreshing the page, thinking it might just be a technical issue, but the inaccuracies stayed put. This situation has left me very concerned, and I urgently request that you carefully review the documents I've submitted to prevent this from happening again.
Consumer complaint received 2015-12-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TN)

On XXXX XXXX, 2015, I have noticed that Jc penny have pulled my credit report without my consent. The company states that it will take 60 days, but it has been 60 days and the company has failed to take the XXXX inquires off my credit report that shows up on transunion credit report twice, which resulted in my decrease of credit score. I was informed ny the credit bureau that it does not take 60 days to remove an inquiry, instead it only takes about a month, all the company has to do is email the credit bureau asking them to delete the inquiry. which the company did not still do so,
Consumer complaint received 2015-12-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (FL)

I suffered a job loss XX/XX/XXXX. I have been a loyal cardholder of Citi for 20 yrs and opted in for their Credit Protector program for XXXX credit cards with Citi and had been paying this for over 4 years. I submitted a monthly form to utililize their Job Loss benefit which covered just my monthly payment every month. In the current terms it stated after 24 months the company would cancel my balance if continued job loss occurred. When my 24 months passed, I got a letter indicating I do not qualify any more as their change in terms for the program upgraded XX/XX/XXXX so I will not be applied the benefit after 24 months. This was devastating as I clearly could not continue making the monthly payments as unemployed. This is complete fraud and a scam to those in need of the benefits they advertise and offer.I called several times to verify this and spoke with supervisors who were unhelpful and a total disregard of my situation. After being a loyal cardholder for 20 years, they offered no assistance or consideration. I did not know who to report this to of if it is even legal to remove services or change services and mislead you into believing the customer is at fault! I would like to report this as Im sure several other cardholders fell into this trap as well.
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (GA)

Completed refinance application with PNC Mortgage on XXXX XXXX, XXXX. Information provided included : ( 1 ) the consumer 's name, ( 2 ) the consumer 's income, ( 3 ) the consumer 's Social Security number to obtain a credit report, ( 4 ) the property address, ( 5 ) an estimate of the value of the property, and ( 6 ) the mortgage loan amount sought. 

Did not receive disclosures within 3 days as required by law. 

In addition to the above on XXXX XXXX, XXXX, I also sent XXXX personal and business income tax returns, personal and business financial documents, payroll receipts, and all property tax records. I resent two business returns as requested on XXXX XXXX, XXXX. Receipt was confirmed on XXXX XXXX, XXXX. 

Attempted to call the loan officer and his assistant at all their listed phone numbers and then sent an email to both on XXXX XXXX, XXXX requesting the status of the loan application, to which I have received no response and still no disclosures. 

They are in receipt of all my relevant personal financial data and I have not been able to contact them since XXXX XXXX, XXXX by phone or email. 

The PNC loan officer is : XXXX XXXX XXXX Mortgage Loan Officer Supervisor NMLS ID XXXX XXXX XXXX PNC Mortgage XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. OH XXXX ( p ) XXXX l ( c ) XXXX l ( f ) XXXX XXXXXXXXXXXX and his assistant : Assistant to XXXX XXXX XXXX : XXXX XXXX Mortgage Loan Officer Assistant NMLS ID : XXXX PNC Mortgage ( p ) XXXX ( f ) XXXX XXXXXXXXXXXX
Consumer complaint received 2015-12-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX I received an e-mail from Wells Fargo stating that if I use my Wells Fargo Credit Card via XXXX by XXXX/XXXX/XXXX, that I would receive a {$20.00} statement credit. Per the e-mail : " Get {$20.00} when you use XXXX to make a purchase using your Wells Fargo Credit Card during the holidays! XXXX Just check out in a merchant app with your new iPhone ( R ) 6, iPad ( R ) Air 2 or iPad mini 3, or look for the Near Field Communication ( NFC ) symbol at checkout registers in stores and use your iPhone ( R ) 6 Touch IDTM to authorize contactless payment easily. Make an XXXX payment before XX/XX/XXXX, and you 'll earn a {$20.00} statement credit. '' As you can see from reviewing my balance and from the attached screenshot, I made a purchase of {$21.00} using my XXXX XXXX on XXXX/XXXX/XXXX, which is before the XXXX/XXXX/XXXX cutoff date. However, I have wasted hours inquiring about the credit that I never received and was told by multiple people at Wells Fargo that they submitted a request and that I should receive the credit shortly. It has been over a year. I would n't have made the aforementioned purchase if I were not going to receive the credit. This is fraud! 

I will be happy to forward the e-mail for review. The Online Customer Service Code was : XXXX
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

For more than XXXX years I have been disputing derogatory and fraudulent information on my credit reports. 
Equifax is causing havoc and inaccurate information to the public. I look to your help to resolving this matter. Since 2012 I have been disputing fraudulent information from XXXX XXXX XXXX to Equifax from my credit report. 
I have spoken with employees from XXXX XXXX XXXX and Equifax and there refusal to remove harmful credit information. I seek you assistance and information to resolving this matter. 
Thank you, XXXX XXXX
Consumer complaint received 2015-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Trident Asset Management, L.L.C. (CA)

I was check my Credit Report on XXXX XXXX, 2015 I saw Trident Asset Management report ( Account # XXXX ) to all Credit Agency that I owing money to XXXX in the balance of {$120.00} so I send them a VALIDATION OF DEBT on XXXX XXXX, 2015 with CERTIFIED MAIL and delivery on Tuesday, XXXX XXXX, 2015 and I call in talk to XXXX on XXXX XXXX, 2015 at XXXX said that they got my VALIDATION OF DEBT ( VOD ) letter and will respond the VOD next week but as of XXXX XXXX, 2015 the VOD pass XXXX days and I have not got any respond from them and I call them again talk to XXXX on XXXX XXXX, 2015 at XXXX he said that they got slow respond from XXXX to VALIDATION of my debt. Should they have all these info already when they try to collect the money from me? Anyway XXXX and XXXX have DELETED from they filed but XXXX XXXX but I also found out that Trident Asset Management sits on a collections advisory board with XXXX from XXXX here the link ( XXXX ) I think that is why it not DELETED. I 'm attach : 1. LETTER FROM TRIDENT ASSET MANAGEMENT 2. VALIDATION OF DEBT 3. XXXX XXXX DELETED LETTER 4. XXXX XXXX DELETED FROM XXXX. 5. XXXX CERTIFIED MAIL TRACKING NUMBER. 

Thank You, XXXX XXXX
Consumer complaint received 2015-05-23
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Submission of documentation - additional issues related to complaint number is : # XXXX. I have had this issue before - while undergoing a loan modification, the constant resubmission of documents. I have a realtor, the house is on the market, and BoFA is stalling with questions already answered during the loan modification and are requesting documents that has been submitted XXXX to XXXX since XXXX 2015.
Consumer complaint received 2016-02-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (FL)

Received a call from ( XXXX XXXX ) on my business phone with no message. Called back thinking it was a customer and was forwarded to an unknown extension. Person said I owed XXXX to some bank I do not remember ever doing business with. 
A male voice told me my whole Social security number over the phone, then said the determination has been made to seek judgment. I said I do not respond to threats or scams and he had no business with my personal information. He tried to continue, but I hung up and immediately filed this complaint. My credit has been very good for well over 12 years. No such ( XXXX ) or other is listed anywhere on my credit report.
Consumer complaint received 2015-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Management Control, Inc. (TX)

I was hospitalized for a life threatening condition. When I checked into the hospital I provided my VA information and VA card. 

When I checked out 8 days later I again provided my VA card and information. All bills were to be submitted to the VA within 90 days of discharge. XXXX XXXX XXXX failed to do so and instead waited until late XXXX to submit the bill to the VA. As the VA Voucher was closed after 90 days the VA rejected the bill and informed me that, due to XXXX failure to exercise due diligence in their billing practice neither the VA nor I were liable for the bill. I am a XXXX vet ( service connected ) and live on my Social Security. I have no means to pay a bill that should have been submitted properly to receive payment from the VA.
Consumer complaint received 2015-05-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC (MA)

My daughter financed a car from CNAC Carnow Acceptance Co XXXX XXXX XXXX XXXX, MA XXXX and XXXX Byrider. She payed all her car payments and her insurance company mailed them the check for the value of the car. Although she did not have GAP insurance CNAC has told us that my daughter 's loan will be paid in full and she will not owe any $ to them. When going to a different dealership to get her another loan and car CNAC will not give us a written letter stating that my daughters loan is paid in full. We have called numerous times and asked for something in writing that states her loan is forgiving and paid so she can get a new loan elsewhere and they said that we can go through them to get a new loan because they know the loan is paid but will not let her go to another dealership to get another car. Why wo n't they give her a letter stating the fact that her loan is paid so she can get a new loan? Please help!
Consumer complaint received 2015-07-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: ASSOCIATED BANC-CORP (OR)

i have a home improvement loan through associated banks.i have informed them that i must let the house go to foreclosure. this was over 1 year ago. when they wrote the loan, my home was to be the collateral for the loan. how ever they disregarded the title report indicating that i was n't even listed on the title. my XXXX deceased brothers were listed as tenants in common on that title report. because our local family lawyer, XXXX, misinformed me as to what i had inherited as a sole surviving son. and also never back checked any of the legal actions he had preformed for my family. this left me with an unsellable house which i have remodeled, but do n't own. associated has been elusive on reveling what actions they plan against me for defaulting on a loan they should never have written in the first place. XXXX XXXX is the loss mitigation manager whom Ive spoken with in the past. almost impossible to be reached by phone, very aggressive & confrontational. according to a recent inquiry with XXXX XXXX as to the state of the loan, she told me the bank had given up on the loan & it was not being sent to collections. i have since been denied access to that contact & referred to XXXX XXXX. they say they do n't want the property, yet there is still a lean against the title preventing me from selling the home.
Consumer complaint received 2015-09-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (OH)

On my credit report a debt from Trident Asset Management regarding a check written in 2012. At the time I was separated from my husband and never wrote a check to the creditor, XXXX XXXX. His signature is on the check. They sent me a copy of it and I told them my signature is no where on there. They stated since my name was on check first I was responsible. I no nothing about the check. They refuse to delete it from my file. I spoke with them twice but to no avail.
Consumer complaint received 2015-12-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

in XX/XX/XXXX my spouse, i co signed an apartment lease for my sister and her partner. due to XXXX she was not able to pay so she quit the apartment within the 2 day time frame allowed before additional month charge would apply. apartment was left in GREAT condition. when walk through with manager was conducted she stated that only carpet cleaning would be charged and late month. rounding the amount debt would have been no more than {$1500.00}. when attempted to pay XXXX, they declined payment. credit report now shows a debt of {$3100.00}. 
XX/XX/XXXX i hired the services of XXXX XXXX XXXX due to identity theft and they noticed IQ data reported different amounts owed to different credit bureaus. IQ data states that debt has earned interest and not to contact them without a lump sum to be considered. IQ data has declined written confirmation of debt and keep repeating " you signed the lease, we do n't care who pays. we are doing you a courtesy of allowing this conversation ''
Consumer complaint received 2016-01-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (PA)

1 ) I have been in my home for over 25 years - 2 ) have been behind and some catch up payments have been made - 3 ) Each month when I call to make my payment I am told I owe thousands in late fees I argue and pay around {$420.00}. 4 ) Do not have a payment book or any consistent payment statement sent to my home monthly. 5 ) Strangers have come to my home verifying that I live there - when I call the office I have been told " you signed an agreement and are being charged for the person to observe your home '' - I have never signed anything with this current mortgage company. 6 ) Principle remaining on the house is & lt ; {$15000.00} and the interest rate is 9 % and my monthly payments are relative low around {$350.00} plus their added monthly fees and additional late fees.
Consumer complaint received 2015-11-08
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

Interested in buying my car through XXXX when I put my ad. Immediately he sends me check XXXX dollars in 2 days, I deposited the check to my bank account from company XXXX XXXX XXXX now assuming its fake one and wo n't get cleared. The next day he calls me to transfer XXXX dollar, I send through MoneyGram service for some movers in Florida location as though he is moving to nearby location I send them XXXX including fees to someone name XXXX XXXX in Florida. Again the next day calls me saying sorry could not buy my car since he already got one from mother in law with cheaper price and asking me again to transfer remaining amount to different location for about XXXX dollars this time I found out he is kind of guy and fraudulent I stop replying to his messages on XXXX ( XXXX ) XXXX or sending emails he keep contacting from unknown numbers. Any help /support would be appreciated to get my money back which I paid through MoneyGram XXXX for XXXX dollars I have receipt of the payment I did and other details please take action and resolve the matter and also moreover bring these people to justice ripping the consumers online.
Consumer complaint received 2016-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accredited Collection Service, Inc. (MA)

I had a tanning package with XXXX, in my contract in stated that if I was to move out of the area where XXXX XXXX is not located I could cancel my membership with no fees. I then moved to North Carolina for college before my contract was up. I have attempted to reach XXXX XXXX management to cancel the account and they will not. They do not return phone calls and are never in their office. XXXX XXXX sent my account to a debt collector who is no help and getting the situation resolved.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (NY)

To whom it may concern, On XXXX XXXX, 2015, I applied for a loan to refinance my home with XXXX and was denied because of my income. I later applied through QuickenLoans to get into the HARP program and was once again denied for the same income issue. A week later I reapplied, and on XXXX XXXX, I received notification from QuickenLoans stating their reason for denying me as being a credit issue. Attached with the denial letter was a copy of my credit score of XXXX, and QuickenLoans required credit ratings of XXXX. I would like someone to look into this matter because when I applied the first time my credit was not an issue. Also during all XXXX times I applied I was told everything was up to date and would be approved. I am now questioning their reason for denying me because the denial letter rates my credit score as within the requirements for approval.