davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (DE)

My complaint is due to my divorce and primarily involves my HELOC, though my first mortgage ( fixed rate Home Equity, really ) is with the same lender. I will remain with my kids in the home and want to assume both the Home Equity and the HELOC ( or have my ex-husband 's name removed ) but I 've been unsuccessful. I 've submitted a complaint previously but ca n't dispute the response, possibly due to the age of my complaint, but research takes time. I 've had a chance to review my HELOC docs and have several issues. First, my ex and I both believed the HELOC was secured by a different residence that he 'll be keeping ( no loans attached ). The docs do n't state what property secures the HELOC. After many calls to my lender, and much confusion on the part of my lender during research, I 've been told that the home in which I reside secures both loans. Next, I 've researched some info re : " due on sale clause '' being one of the only tools available to lenders to prevent assumptions. I ca n't locate this clause in my HELOC docs, so I 'm wondering if that may only apply to first mortgages. Whether it applies only to first mortgages or to the HELOC, as well, I 've been told by my lender that I ca n't " assume '' my loans nor can I have my ex removed. If my lender is incorrect in prohibiting me from removing my ex, I 'd like to know how I should proceed. If THAT does n't help my situation, I 'd like to know if the 1982 Garn-St Germain Act applies, and if so, how I should proceed. Finally, my HELOC docs state that instructions for some types of transactions may be made by one borrower without requiring all borrowers to sign ( though reinstatements for borrowing, etc., must be made by all borrowers ). I 'd simply like to instruct my lender to remove liability from the second borrower. My requests for the past 4 years have been denied. I 've shown my ability to pay without a second borrower for the past 4+ years, without any late payments, and I also have liquid assets equal to many months of payments. Aside from the proof of my ability to pay, could my divorce documents be presented to my lender to accomplish my request? We currently own XXXX houses together, XXXX without any loans whatsoever, which my ex will be retaining, and making monthly payments to me. I own the one house mentioned above with a mortgage and HELOC as well as XXXX additional homes without any loans whatsoever. I 'm requesting assistance again due to new information and my inability to convince my lender that I 'm just as trustworthy as I was when I applied for my loans with my ex as co-borrower. I 've always made the payments without his assistance, but as mentioned, can prove I 've made payments for more than 4 years without his assistance. Any help you can provide is appreciated. I 've mentioned a couple of scenarios above that I 've run across while researching, but if there are other options that will help me achieve my goal, please let me know.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

As a loyal Capital One customer for several years, I have always appreciated the high level of service and reliability provided by your institution. However, I experienced significant frustration and inconvenience in XXXX when attempting to utilize the {$300.00} travel credit associated with my XXXX XXXX credit card. 

On two separate occasions around midnight in XXXX, I encountered persistent issues with the Capital One app, specifically within the travel portal. Despite multiple attempts to access and utilize my travel credit to book a hotel room, I was repeatedly logged out of the portal, preventing me from completing the transaction. Despite reaching out to Capital One via social media channels to report the issue, I was informed that there were no known technical difficulties at the time. 

Regrettably, due to the persistent technical issues and subsequent inability to access the travel credit, I was unable to utilize the benefit before its expiration date. This was particularly disappointing as the {$300.00} travel credit was one of the primary reasons for holding the XXXX XXXX credit card. 

In an effort to address this matter and seek resolution, I contacted Capital One Customer Care on XX/XX/XXXX to request an extension of the expired travel credit and explore options for rectifying the situation. However, I was informed that the system was down, preventing the creation of a formal case to escalate the matter. 

As a conscientious and longstanding customer, I am appealing to Capital One to consider this situation as an exception and extend the expiration date of my travel credit. The technical difficulties experienced in XXXX were beyond my control and resulted in the inadvertent expiration of a significant benefit associated with my credit card. 

I trust that Capital One will take this matter seriously and work diligently to address my concerns in a timely and satisfactory manner. I remain committed to maintaining a positive relationship with Capital One and hope for a swift resolution to this issue.
Consumer complaint received 2021-06-23
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: Bread Financial Holdings, Inc. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2019-10-25
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. (SC)

PLEASE SEE ATTACHED. THIRD LETTER TO EACH AGENCY. IM TIRED OF THE RUN AROUND AND BEING TOLD MY DISPUTES AND CLAIMS HAVEN'T BEEN RECEIVED. IM TIRED OF SPEAKING TO REPS IN XXXX WHO I HAVE TO EXPLAIN EVERYTHING FROM SCRATCH EVERY TIME IM TRANSFERRED. THIS PERSONAL AND SENSITIVE INFORMATION SHOULDNT BE OUTSOURCED SO FREELY.
Consumer complaint received 2016-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I received a phone call from Southwest Credit Systems regarding a debt that was in my name and owed to XXXX XXXX XXXX XXXX. I had to request that they send me a notice in writing as they had not at that point. 

When I received the notice, I submitted a debt validation request listing the items needed to validate the debt. Southwest Credit Systems sent me a final bill with an address in which I did NOT have service as service is NOT offered by XXXX XXXX XXXX XXXX in this area. Before the debt validation time elapsed, Southwest Credit Systems placed this item on my credit report, unverified. I responded to their " final bill '' stating that this was NOT considered validation of the debt and to cease collection efforts and remove credit bureau listings. They have failed to do so and they have failed to respond. 

They have now violated my consumer rights, the Texas Business Code, FDCPA and the FCRA. A final bill is NOT considered debt validation.
Consumer complaint received 2023-04-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NV)

This car company I never got a loan from, I never signed anything with this company and never even spoke to them. This company refuses to provide the original documents. I have no idea who they are and how they claim I have a car from them. I asked for the original paperwork and they refused to give me the original contract. I reported it to XXXX and we got nowhere.This is not fair and this is hurting my score.
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (LA)

XXXX is a paid account and is old. This account shouldn't be reporting on my credit as it is XXXX XXXX XXXX. Please remove this account from my credit report
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (GA)

My dispute was sent on XX/XX/XXXX and by law XXXX XXXX  XXXX/XXXX XXXX XXXX has 30 DAYS to respond yet these chose to ignore my attempts and request for validation. They also FALSELY made statements that the Debt Validation I requested on XX/XX/XXXX was sent to me however that is FALSE. Til this date I have YET to receive ANYTHING from this company yet on XX/XX/XXXX almost 60 DAYS later they responded. Violation # 1. Violation # 2 if they so called sent validation why wasnt it updated to the CRAs that the accounts in question where disputed. Yet they chose to report the accounts late every month to the CRAs. Violation # 3 your company is attempting to collect on an outdated debt. The state of limitations has expired yet you continue to report it MONTHLY to the CRAs. As of XX/XX/XXXX the accounts remain on my credit. Please remove YOUR tradeline and cease all collection activities before I am forced to seek legal action against your company for continuing to violate my consumer rights and KNOWINGLY reporting false information to the CRAs in an attempt to destroy my credit worthiness. You have 15 days from receipt of this notice to REMOVE and DELETE my information from your company records and remove your information from ALL my credit reports. This notice serve as my FINAL notice before litigation.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CHARLES SCHWAB CORPORATION, THE (GA)

My wife and I opened a new checking bank account with Charles Schwab. T o do this we provided our  XXXX  expecting that this would be used for a identity verification and result in a soft credit file hit.  Ch   arles Schwab has done a hard credit file hit. We did not apply for any credit and we do not want any credit with Charles Schwab.
We have requested Charles Schwab to remove it and they refuse. We have disputed it with  XXXX . The hard credit hit is only with Equifax. Charles Schwab has done soft credit hits with  XXXX  and  XXXX . Soft credit hits for identity verification are fine.
Consumer complaint received 2024-10-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A. (NC)

XXXX XXXX XXXXXXXX XXXX due to Bankruptcy and Foreclosure - Financial Elder Abuse Financial Elder Abuse as the PNC Bank SCAM/FRAUD victim in the amount of {$900000.00}. Both PNC HELOC loans were part of the {$900000.00} PNC Bank SCAM/FRAUD . I submitted several Hardship Applications to the PNC Bank Loan Hardship Division : PNC Bank, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The division Single Point of Contact is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The division email address is : XXXX. The Loan Officer, XXXX XXXX can be reached at XXXX. 

PNC Bank has declined to assist me with the Hardship Applications to date for the HELOC Loan, XXXX. Please note the PNC Bank HELOC loan was part of the {$900000.00} PNC Bank SCAM/FRAUD .
Consumer complaint received 2017-08-25
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (TN)

I 'm told by US Bank Mortgage that they have n't reported received the identity theft affidavit. I mailed it to Customer Service Fraud Department on XX/XX/XXXX. It was sent to XXXX KY per their request. I notice my name have been changed to XXXX XXXX XXXX. I was told it was received onXX/XX/XXXX. I was told a letter would be sent to me on XX/XX/XXXX concerning payments made to the insurance companies by U S Bank Mortgage. I have n't received any mail. I requested information concerning property taxes paid by U S Bank Mortgage.
Consumer complaint received 2021-06-23
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. (LA)

XXXX is a paid account and is old. This account shouldn't be reporting on my credit as it is XXXX XXXX XXXX. Please remove this account from my credit report
Consumer complaint received 2021-06-23
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: SYNCHRONY FINANCIAL (NY)

the following accounts that appear in my report, are not mine, they were reported without any authorization, they are hurting me. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (NH)

I was one of the 143 million people impacted by Equifax 's latest breach back on X/2017. Thus having to spend XXXX dollars of my own money to freeze my credit. These reporting companies need to be held accountable for the massive amount of data that is stored, as the end user has very little recourse about the data that is stored on them, that can greatly impact their lives if the data falls into the wrong hands.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (IL)

Hello, I am a student. I have gone to XXXXXXXX XXXX XXXX XXXX ( XXXX ) for purchasing a car on finance. The said the will check for the auto loan in XXXX XXXX XXXX. Then the send queries to multiple lenders without informing me. Now it's showing 9 hard queries. 6 of them on the same date. This drastically reduced my credit score to on average XXXX points in the credit buraus. I reached out to XXXX about this. They suggested me to contact here for complaint. It would be very helpful for me if these hard inquiries could be removed from the report.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

I had student loans with XXXX. Then a company called me saying that I could pay XXXX dollars a month for a certain amount of time and my loans would be forgiven. I was lied to, after I paid the required amount my loans were then transferred to Navient. Who has mad e no effort to actually help me. I am a struggling single mother of XXXX children, I barely make enough money to pay my regular bills. I have tried giving them my XXXX information, tried giving them my XXXX information to prove to them that I do n't make enough money to pay {$400.00} a month on my student loans. They refuse to help me navigate, refuse to help me period. Their website wo n't allow for uploading documentation of proof of income or anything. And no matter how many times I call them to try and figure something out with them, the refuse to help me lower my payments, or allow me to place them in deferment status or even look into economic hardship status. They bombard me with calls about paying my loans, but no matter who I talk to, I get no help at all. They just want money I do n't have. My information was given to them by a company that was suppose to help me forgive my student loans.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MI)

1. My complaint is about Discover Bank and its affiliates deducting funds from my personal checking account without permission InXX/XX/XXXX. They were never held accountable for this unlawful act. Discover lied and stated that I gave them permission via phone to withdraw {$140.00} from my checking account. Also, fines for Robo calling me from XX/XX/XXXX to XX/XX/XXXX.
2. Discover Bank sued me in the 29th District Court for outstanding debt and the 29th District Court awarded them a judgment in the amount of {$3900.00} on XX/XX/XXXX. Case No. XXXX.
3. I am attempting to be monetary be awarded fines that stem for their unlawful actions in trying to acquire payment. Discover broke federal laws which the 29th District Court does not have jurisdiction over and in addition to the proceedings, Discover cost me to lose money from work in their failure to appear at Court on XX/XX/XXXX. These costs should be used to offset the indebtedness Discover is seeking through their attorneys at XXXX XXXX XXXX XXXX.
4. This complaint is about Discover Bank.
5. The people involved are XXXX XXXX ( Defendant/Counter-Plaintiff ) and Discover Bank.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MN)

i have repeatly called and sent dispute letters to all 3 credit bureaus, XXXX XXXX, XXXX, about my compromised credit file. The credit file that suppose to be in my name is in someone else 's name. My name is XXXX XXXX XXXX. XXXX XXXX XXXX is the name that was on my credit file. As you will see on my documents the bureaus have me down as better know as XXXX XXXX XXXX. I have never in my life went by that name. And in other documents including my Lic. You will see the correct spelling of my name. As this matter has been damaging my credit as well my character. i would like to have the these items fully removed from all 3 credit bureaus immediately.
Consumer complaint received 2021-02-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GreenSky, LLC (CA)

Hello in 2018 i went to XXXX XXXX XXXX to do an estimate of a XXXX XXXX treatment but I didnt like it because it was too expensive for me and I left, a year later I got surprised when I saw in my credit I had a debt of XXXX dollars so called them and we were in dispute for several weeks later they removed the charge but they left a due of XXXX dollars and they still reporting that, and that is so unfair because I didnt take any service of them I just went for an estimate, and I'm worried because they keep reporting that and I know eventually that will hurt my credit score, I need them to remove all those charges because I didnt take any service or product from them and GS loan XXXX  is the company that is charging me for tha Thank you
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

PLEASE SEE ATTACHED. THIRD LETTER TO EACH AGENCY. IM TIRED OF THE RUN AROUND AND BEING TOLD MY DISPUTES AND CLAIMS HAVEN'T BEEN RECEIVED. IM TIRED OF SPEAKING TO REPS IN XXXX WHO I HAVE TO EXPLAIN EVERYTHING FROM SCRATCH EVERY TIME IM TRANSFERRED. THIS PERSONAL AND SENSITIVE INFORMATION SHOULDNT BE OUTSOURCED SO FREELY.
Consumer complaint received 2021-06-23
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: CITIBANK, N.A. (FL)

I have these accounts that does not belong to me and i want them to be remove from my credit report asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-10-25
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: Shellpoint Partners, LLC (FL)

I was told by the XXXX representative that I couldn't dispute this account anymore. And I was told by the Mortgage Servicer representative that the only way that I could dispute this account was through email or fax.
Consumer complaint received 2019-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

I contacted Allied Business services and was told that they no longer had my account and the account was sent back to the original creditor. I asked the representative if there was a reason for me not receiving notice due to it damaging my credit and the rep stated that the credit bureaus were contacted and the information is still on my report as of today XX/XX/2019. i was given inaccurate dates of the company releasing my files and now I am suffering financially due to the negative information not being removed in a timely fashion. As a consumer I feel that my rights have been violated and my credit as well as my character is tarnished.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have disputed this Inaccurate reporting with all three credit bureaus Equifax, XXXX and XXXX. Each time it comes back as verified but the information is still incorrect. I have contacted the Original Creditor XXXX XXXX XXXX as well with the issue and they say verified as well. 
They are Reporting Payment Information as follows : Date of Last Payment XX/XX/XXXX Payment History show as 60 day late for XX/XX/XXXX.
Date of First Delinquency show as XX/XX/XXXX Credit Report show 30 day for XX/XX/XXXX