davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
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 (CA)

The Case number with Capital One is : XXXX opened a Capital One credit card about a year ago and earned rewards on that. About a year after the account was opened, and when I tried to use the reward, the bank blocked my account and requested Government-issued ID, Utility bills, and Social Security. cards to be submitted in order to verify my identity. I first submitted my XXXX XXXX ( XXXX XXXX XXXX XXXX ), my utility bills, and my SS card. They came back and said that they do not accept XXXX XXXX and want me to send Driver 's license or state-issued ID. I sent it in and was told that my state ID ( Driver 's license ) expired and they can't accept it. I told them that my state ID is in the process of renewal and they insisted that " they only consider state ID as a government ID ''. I've been trying to contact them and see if there's alternative form of ID they accept but they refused to take any ID except the renewed " State '' Driver 's license. 

I don't know why a " Federal Government-issued ID ( XXXX XXXX XXXX  ) '' is not a valid Government ID and I feel that the bank is intentionally giving consumer a hard time when they tried to redeem rewards. These all happened when I began to use the reward. I've used the card for a few months and when it nears the renewal time for annual fee and I tried to use the rewards, they blocked the account and making consumer inaccessible to the rewards. 

Moreover, when I agreed to the card agreement, there's no clauses mentioning that only people have " State-issued ID '' can use the account or be a client of Capital One. I think that they have no reason to request and accept ONLY the state-ID. I proposed many other forms of ID ( Passport, Social benefit card, etc ) and they said no. They just want the current State ID, which I I believe violates the agreement, or at least was not something that fully disclosed to consumers. I believe that they are using the ID verification as a burden for people to use the reward, and by limiting only one type of ID being accepted, the people who do not have or do not want to obtain state-ID or do not want to pay to apply for state-ID is discriminated in some ways. The Federal ID is more widely accepted than state ID in any occasions nationwide. By restricting this, they can easily forfeited consumers ' rewards or making the reward inaccessible without any justifiable reason.
Consumer complaint received 2020-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NJ)

I have a collection with Enhanced Recovery Company LLC, for an account with XXXX XXXX that was opened in XXXX Florida in XXXX. As of XX/XX/XXXX, my address is XXXX XXXX XXXX XXXX, XXXX NJ XXXX and my cellular service is with XXXX XXXX, so is my home internet service. I have never opened an account with XXXX XXXX. I have disputed the debt with Enhances Recovery who continues to put the debt on my credit report. They have not provided anything to suggest I opened this account. No mail, nothing. Just a collection on my report for something I do not owe.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I just finally received my Capital Credit Card bill which was due in XXXX. However, I did make the XXXX payment under XXXX which was the number on my card. They deactivated that card and now I have a new number but I only know it says XXXX on the bill. I can not sit there and answer so many questions as I had an accident and in XXXX XXXX XXXX XXXX XXXX. My doctor said it is XXXX XXXX XXXX XXXX. 
It took many weeks for this statement and it was difficult to make a payment but they told me to on XX/XX/XXXX, so I did so as my payments are due on XX/XX/XXXX so it was early so what are they complaining about. 
For weeks they refused to change my address. Now I do not even know the card number but only the last four digits of the card. 

They say it is an open account but refuse to issue a card. I received a letter last week to call in and they would send the card but have refused to do so. When I called they asked for the correct extension which I could not provide so they hung up. 

If they could send the bill to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX why not the card which I am still waiting for.
Consumer complaint received 2020-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX out sourced our loan to Shell point mortgage co. and this servicing company is now telling us that we must give them an additional {$850.00} this year as an additional cushion for them just in case taxes or insurance goes up. We were told a mortgage officer that this is illegal. Shell point is now taking an additional {$120.00} monthly on top of our monthly mortgage and escrow payment. We asked them why and we were told, " because we can ''. XXXX mortgage never did this to us. With XXXX, if our insurance or taxes went up, our monthly statement reflected this. They are only allowed to collect a rise in taxes and insurance spread throughout the year, but shell point wants us to add money for them to play with. When we refinanced with XXXX ( making home affordable program ) We were given a figure that was tight, but we could afford, now with this extra {$120.00} monthly, we will lose our home. We did not have any say about the this out sourcing and, someone from XXXX slipped and said they sold our mortgage to shell point, but we do not believe this is true! We need help sorting this all out.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Someone within the bureaus has gone into my accounts and changed the status from paid to closed without my consent. I have not sent a letter stating to close an account that was paid. no one would or could unless it is the consumer. I have my account status from the national student loan database that reflects the status of all of my accounts with correct dates and amounts. THEY ALL SHOW " PAID ''
Consumer complaint received 2020-03-14
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)

I have never missed a payment with XXXX XXXX XXXX. In XX/XX/2019 I made a payment in full. This payment posted on my XXXX XXXX account as paid. A few days later I took out another loan. I had no more payments for Loan XXXXXXXX. XXXX has reported me late for this account twice. They had an error with there payment transactions not me. I was called by a XXXX Representative in XXXX she called XXXX XXXX we resubmitted a payment the account representation told her they would update the information for the 30 day late notice removing the 30 day late. The information that was updated is incorrect. My credit score dropped significantly over this late designation.
Consumer complaint received 2020-01-10
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT FROM XX/XX/2019 ON MY XXXX ACCOUNT. I'VE HAD A FEW MINOR HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Have been making on time payments to my credit cards and car loan, I even make more payments toward the accounts, I have been checking XXXX XXXX and I notice that XXXX  and Transunion they are reporting my payments on time, but the problem it is that they are not giving me points to my credit score, I do see some account have been increase on the credit use and for those they do subtract me point a lot of points, but they don't give me points on my credit score. I have been trying to dispute and fix it for a while and I don't see results.Recently my XXXX card was paid in full, was reported to XXXX XXXX and no points to Transunion or XXXX, XXXX has XXXX balance and still shows with a balance of XXXX, I made an extra payment to my car balance shows reduce from my credit report and no points to my credit score. All credit reports show different numbers a balance that they don't fix. On XXXX  I logged in to a service to see if my social was a breach victim and it was. Base on XXXX  website they will give XXXX or a free year credit report, so I decided to get the XXXX and I haven't see the payment. everything it is a negative thing.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX of this year I went into a Huntington Bank to withdraw money, Everything was going fine until it was time to dispense the money. The Atm printed out a receipt but I never received my funds, I then walked into the bank and I talked to XXXX the teller in the front. XXXX and her manager I believe went to the atm and confirmed my funds was jammed into the atm and that I couldnt get the money from them because I didnt bank with them. XXXX then informed me that I should file a dispute with my bank and that I will get money next day as a credit and it then will go under investigation. Still kinda iffy I left the bank and filed a dispute sent in all documents I could the receipt atm number and also the teller bank card. After three days XXXX XXXX contacted me asking for more documents but thats all I had so a week later my dispute was denied. This is so inconvient to me because I was just walking into a bank to withdraw rent money now Im stuck waiting weeks just to keep getting denied again. Like is XXXX XXXX and Huntington communicating with Eachother? I just need my money this is really causing a big mess because I am now two weeks behind on rent.
Consumer complaint received 2020-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance One, Inc. (CA)

Alliance One receivables management is trying to collect payment for medical procedures I received at XXXX hospital after an accident on XX/XX/2019. 
Their written communications note that not paying will be reported to credit agencies and will impact my credit. 
Each bill they try to collect is given a separate account number. Each account number requires a separate account ( login, password ) on their website at allainceoneinc.com. This is not clear on the website, which means they will call you noting you owe them money, but there is no way to learn this/pay on the website using the account you previously sent up. You need to set up another ( and another, pending number of bills ). 
When I tried to pay a bill ( after setting up a new account ), my credit card told me the payment was rejected ( presumably bc they have been flagged as suspicious/fraudulent ). However, in spite of having my email address and consenting to receive communications, I never received an email that this payment did not go through. The implication is that they can continue to claim I haven't paid yet not notifying me of the payment failure. 
There is a notification in my profile on their site, but this is disingenuous bc it assumes that I give a XXXX about their site and will ever visit it again. They took my email address and should use it for exactly this purpose.
Consumer complaint received 2020-03-14
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. (CA)

I have disputed this account, filed a police report, and submitted a FTC complaint. I recently pulled an XXXX  credit report, upon reviewing my credit report in XX/XX/XXXX, I noticed a XXXX  XXXX  XXXX mortgage account # : ( XXXX ) balance : {$430000.00} opened XX/XX/XXXX this is either a mis-print or a fraudulent account. There was also a host of inquiries as well included here : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) & ( XX/XX/XXXX ), XXXX XXXX   XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I did not apply for credit with any of these companies nor have allow anyone else to use my credit or social security number to apply for credit with these companies.
Consumer complaint received 2020-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (IL)

CMRE Financial Services sent a letter for collection of a Hospital bill that I have no knowledge of ... I requested CMRE to validate the aforementioned debt along with proof of their credential proving their legal right to collect the alleged debt per the Fair Debt Collection Practices Act and the Fair Credit reporting Act ... This request was sent via certified mail by the United States Postal Service ... ( See Attached Documentation ) ... The first response from CMRE was to issue a supposed bill ( See Attached ) with absolutely nothing referencing the supposed original debt on a sheet of paper with no letterhead markings from CMRE or the supposed original debt collector..I then sent a letter of refusal of their claims of the alleged debt for multiple reason, all based on the first aforementioned request for validation which very specific information was requested in order for me to further investigate the alleged debt..CMRE did not provide any of the Lawfully requested information ... After I sent the refusal of the incomplete, flimsy and unanswered documentation ( Via Certified Mail per the U.S.P.S ) that was sent for their so called validation..CMRE responded with a letter stating the validation had been proven..CMRE is in clear and blatant violation of the FDCPA and FCRA..THIS DEBT IS NOT MINE! and CMRE has in no way proven this debt to belong to me after being giving the LEGAL allotted time to do so ... .I request that CMRE be investigated for their disregard of the federal statues, remove this erroneous collection from all three of my credit bureau reports and they cease and desist all collection actions of this erroneous debt
Consumer complaint received 2020-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Back in XX/XX/XXXX, I got an alert on my credit report that there has been a hard inquiry placed from capital one. I called right away to remove it and they said they placed a fraud alert on my account and it should alert XXXX and XXXX so they can remove it. I checked back around XX/XX/XXXX and XX/XX/XXXX to see the status and they said the same thing, weve placed and fraud alert, it should take 30-90 days. Well, it has been over 90 days and they said wait. My credit report STILL has capital one on both XXXX and XXXX. Both credit bureaus said In order to remove it, I need to obtain a hard copy ( letter ) from capital one stating that it was not me, and then clothed can remove it once I send that letter off. Capital one said they cant send the letter. Now Im stuck with an inquiry I NEVER did and my credit score dropped all because of identity theft!! This also goes for XXXX XXXX. Someone opened an account on XX/XX/XXXX and I did the same procedure back and forth with the credit bureaus and credit card companies. Both XXXX XXXX and capital one said they placed a fraud alert but cant help me with any evidence that I need to show XXXX and XXXX that its not me. I did numerous disputes with XXXX  and XXXX but they denied it unless I obtain a letter from the credit card companies stating otherwise. I NEED HELP TO REMOVE THESE INQUIRIES ASAP!!!! Its been since XX/XX/XXXX and its XX/XX/XXXX. No change at all!!!
Consumer complaint received 2020-03-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

On XXXX XXXX I sent a validation letter to Resurgent capital services, for a collection debt that showed up on my credit report. On XXXX XXXX they sent a validation letter with three pages. The first page was resurgent information, page two consists of the fair debt collection practices act information, and the third page consist of XXXX  XXXX XXXX credit card statement. The XXXX  XXXX XXXX  credit card statement was dated for XX/XX/XXXX through XX/XX/XXXX, with a debt of {$63.00}. 
On XXXX XXXX I called Resurgent at XXXX and spoke to XXXX. I advised XXXX that I was calling because I would like to settle my debit with resurgent but I had some questions about the debt that is due. I let XXXX know that on the statement that was sent to me from Resurgent for XXXX XXXX XXXX credit card, stated that my balance was only {$63.00}. XXXX was confused and put me on hold several times, the only explanation XXXX can give me regarding my debt, was that it was due to late fees and other charges.I advise XXXX that I would only be paying the amount my XXXX XXXX XXXX   credit card statement stated that I owed. XXXX said that he was not sure but that on his end the debt is {$550.00}. I refused to pay {$550.00} as thats not the debt that was validated by Resurgent. I  advised him that I would like to pay the full amount of {$63.00}, as that was the debt amount Resurgent sent me on XXXX XXXX XXXX  card credit statement.
Consumer complaint received 2020-01-09
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. (MI)

XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX  XXXX XX/XX/XXXX {$370.00} XXXX  XX/XX/XXXX {$300.00} XXXX XXXX XXXX  XX/XX/XXXX {$900.00} INQUIRIES XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2020-03-14
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. (GA)

In XX/XX/2020, I discovered that multiple credit card accounts were opened in my name without my knowing or authorization. upon further investigation it was obvious that I had become a victim of identity theft. Also, some years ago someone broke into my vehicle stealing a bag that contained personal documentation including birth certificate, social security card, state ID, existing credit cards and a cell phone. This information was then used to obtain new credit and resulted in the accumulation of fraud charges. I discovered that these accounts were opened in my name and want to take actions to removed these fraudulent accounts from my credit report.