davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (UT)

My husband and I recently divorced. Our mortgage loan was XXXX of our names. I was awarded our home in the divorce settlement. I have been trying to refinance the mortgage in my name only with my local credit union. Our current mortgage is with Sovereign Bank/Santander. Ever since Sovereign Bank bought our Mortgage from another company, we have been having problems with them. I took over our mortgage payments in XXXX of XXXX. My ex-husband had been paying them previous to that. My ex-husband 's last payment was made on XXXX XXXX, XXXX. He was up to date on all payments and had not missed a payment up until that time. He did not give me the financial information to start making the payments myself until the middle of XXXX of XXXX. To make up for the payment due in XXXX, I made XXXX payments to Sovereign Bank to make up for it, XXXX on XXXX XXXX, XXXX and XXXX on XXXX XXXX, XXXX. From that point on, I have made every payment on time and in full. However, Sovereign Bank keeps charging me a late payment fee of {$28.00} each month because they claim that I am missing a payment somewhere, but can not show when the missing payment was. I have a printed copy from them showing each payment from XXXX XXXX, XXXX through XXXX XXXX, XXXX and a copy of my ex-husband 's and my own bank records showing our payments and neither show any missed payments. They also show a fee called " Conversion Unknown '' with a code of XXXX for {$740.00} on XXXX XXXX, XXXX. I have no idea what that is. I also get a fee with the code of XXXX or " Unapplied Funds '' that they have n't explained and another code of XXXX that is n't explained on their list of " Transaction Codes ''. I have tried to access their online mortgage services that I have previously used to contact them and for the last four months the site says that they are experiences technical difficulties and ca n't respond. I have had
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (WA)

On approximately XXXX XX/XX/2021, a home loan refinance with cash out was initiated with Pentagon Federal Credit Union. Throughout the application and review process, I communicated that I was an XXXX XXXX service member serving overseas and that my spouse would sign closing documents via certified special home refinancing power of attorney. On several occasions documentation was requested and provided to include the special POA. Application fee was paid, refinance rate with cash out option was locked, and a home appraisal was scheduled. On XXXX XX/XX/2021, PENFED provided notification " unable to use Power of Attorney for a cash out refinance. '' Also added, " Unfortunately, this means that we can only do a refinance of the mortgage balance with NO CASH OUT, or you would have to be able to sign on your own behalf at closing. '' I thoroughly communicated that I was a XXXX XXXX serving overseas on multiple occasions to ensure this would not be an issue. PENFED misled on their availability of services from time of application and no less conducted bait and switch tactics. I don't understand how a refinance with cash out application was approved with use of POA but after approximately one month, only a refinance without the cash out option can be closed with a POA. The company states a POA can be used to refinance but not with the original conditions agreed upon.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

My identity was stolen. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to XXXX XXXX, Equifax , and XXXX. They did not do a thorough investigation.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX and XX/XX/2022, I have spoken with several CapitalOne Fraud agents, customer service, and filed two XXXX reports yo try to resolve this ongoing issue. However CapitalOne has continued to report incorrect information on my credit report, continued to permit external charges, and will not all delete of external banking information. However, CapitalOne has continued to state the CapitalOne Credit Card is fraudulent and possesses fraudulent charges, which they have forced me to pay for because it has severely impacted my credit. In addition, I have received written correspondence from CapitalOne stating this account is fraudulent and they will not allow access nor will provide statements.
Consumer complaint received 2017-02-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau of Jonesboro, Inc. (TX)

I have not received any information verifying or validating that this account is mine. I disputed with credit bureau and the collection agency still not provide me with any information. 

I need an instrument bearing my signature stating that this account is mine. I also need a breakdown and calculation for amount claiming that I owe.
Consumer complaint received 2016-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

The lender which XXXX XXXX sold my account to Navient. Has been calling and leaving messages to someone who was not in my life at the time I was in school nor at the time when the loan was taken yet somehow now are calling this person and pretending to be a job source and stating that this person was given as a reference.
Consumer complaint received 2022-02-12
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. (PA)

I recently obtained a copy of my credit report, which containsaccounts I can't remember ever having! I have no idea what these accounts are and request they be removed. I am a viticm of identity theft and ask for these accounts be removed immediately. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports your publish. 
Also i have enclosed copies to the FTC.
Consumer complaint received 2015-12-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (CO)

PROFESSIONAL FINANCE CO IS REPORTING A DEBT ON MY CREDIT REPORT THAT WAS PAID TO THE ORIGINAL CREDITOR. THEY HAVE NO REASON TO REPORT THE DEBT SINCE IT IS NOT OWED TO THEM.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (OR)

I applied for a Chase XXXX XXXX business card. I was told I have " a good credit file. '' ( I know from independent checking that my credit score is over XXXX. ) I have no late payments or over-limit spending. I was denied because Chase said I have received too many credit cards from other banks in the past two years, even though they could not tell me what number of cards is too high because, they answered, there is no set number. It could be XXXX, or XXXX, or XXXX. It could be different for each applicant ; meaning that the criteria is completely arbitrary and can be implemented in a discriminatory manner. 
They could not articulate why the number of different cards I have received and used responsibly provides any indication of credit unworthiness. ( I continue to receive credit card offers in the mail. ) Chase said the decision is " not reviewable '' and there is no recourse. I asked : with which regulatory body I could file a complaint? Chase said my complaint was not a " regulatory issue, '' so there was no government agency with which to file a complaint, but offered only the XXXX. Chase said they could take an internal complaint, but could not tell me of any impact or process that complaints generate, other than that they are sent to an " escalation '' department. But I would receive no response, clarification, review, reconsideration, etc. 
Chase 's credit-issuing criteria are very non-transparent, arbitrary, and potentially discriminatory.
Consumer complaint received 2024-02-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NC)

I submitted an Income Driven Request form on XX/XX/23 FOLLOWING failure to provide a billing statement on time with MOHELA. They placed me in the forbearance. Since then, my payments have resumed and they continue to process my IDR request. Ive reached out for an update with no update. They continue to provide misleading billing statements, giving me one number and then 2 weeks later sending me another, and then telling me my payments are overdue when Ive paid the original number. I still do not have a clear payment amount due to them still not processing my income driven repayment plan.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I have been disputing these items for at least 2 years and Chex-Systems states that they are validated and verified. First thing My name is XXXX XXXX XXXX which I have known as that since 1974 which is XXXX years. They have my name listed as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX which are all wrong and need to be removed. My Drivers License and Social Security card are attached for verification. The have License number listed which is n't mine and I have my Drivers License attached for verification and that information needs to be deleted as well. Then the address 's I have lived at : XXXX XXXX XXXX XXXX, XXXX XXXX for 8 almost 9 years. These addresses ; s are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX Rt 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 this is my parents address not mine please delete as well. I have attached the Chex Systems Report so that you can see it for your self. I have over XXXX inquiries from Credit Unions and banks that I did n't authorize to pull my information and I even notice XXXX banks reporting as NSF Activity that I want to be removed as well. One has a misspelling of my name and the wrong address and others I am disputed in invalid.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I had multiple XXXX accounts. XXXX has changed to a wealth management bank so I received notification that my accounts would be transferred to Citizens Bank. I did not want a Citizens account, so I called Citizens and was told the only way to prevent an account from opening was to fully close my XXXX accounts. I closed my accounts fully with XXXX on XX/XX/2022 ( receipts attached ). On XX/XX/2022 I spoke on the phone with Citizens as well as as XXXX messaged with XXXX at Citizens. XX/XX/XXXX I had written confirmation from XXXX via email that an account would not be opened in my name if my XXXX accounts had been closed. They were away of the date I closed my XXXX accounts. On XX/XX/2022 I received an email about my upcoming account being opened at Citizens. I spent hours on the phone trying to have my info wiped from their database and to get assurance that a Citizens account would not be opened. I spoke with an agent and eventually was able to speak with a manager XXXX on XX/XX/2022 who refused to remove my email from their database and confirmed multiple times that no account would be opened in my name. She told me that our phone call was being recorded but when I asked for a copy for my records, I was refused. I was given an address for Citizens Office of The Chairman ( with no name attached ) from XXXX and I sent a certified letter on XX/XX/2022. I submitted a complaint with the New York State Department of Financial Services on XX/XX/XXXX. They closed the case asking that I submit here instead. This week I have received information that an account has in fact been opened illegally in my name at Citizens after they assured me multiple times that this would not happen. I am attaching photos of the checks and debit card they sent me this week.This company has caused hours of work on my end and between that and the fact that it involves my finances, it has caused a massive amount of stress. Thank you for helping me resolve this.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: M. G. Credit, Inc. (FL)

I wanted to cancel a gym membership at XXXX in XXXX FL, due to a major car accident injury that I suffered. I had to cancel after the seventh month of the the XXXX year contract. To cancel they wanted to charge me {$500.00} plus. I refused to pay that amount and now they are harassing me by giving my number to debt collectors that call constantly to threaten me of ruining my credit and filing suits. I think this is fraud and a very low move by this chain of gymnasiums. I hope someone drops the law on them because they need to be stopped.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am putting a Formal Complaint Against Equifax for Non-Compliance with Request to Remove Incorrect Information from Credit Report I am writing to bring to your attention a serious issue I have encountered with Equifax, XXXX of the major credit reporting agencies. Despite my efforts to rectify inaccuracies in my consumer credit report, I have faced persistent challenges with Equifax 's unwillingness to comply with my requests. 
On XX/XX/2024, I called Equifax regarding XXXX major issues. The first issue was that I could not monitor my credit reports through XXXX XXXX. So I called them and they were not able to identify me. So Equifax blocked the ability to view my consumer file. Upon further investigation I found a SSN not belonging to me XXXX XXXX. I also saw that there were a few addresses in which I can not receive mail or that I never lived. I asked Equifax to remove this information. On XX/XX/2024 I sent Equifax a letter of investigation to remove and restore my information. However, to my dismay, Equifax has not taken the necessary steps to remove this outdated information, adversely affecting my creditworthiness. 
This is an alarming error that raises serious concerns about the accuracy and security of the information maintained by Equifax. I believe it is imperative to address this issue promptly to prevent any potential identity theft or further damage to my credit profile. According to the FCRA my information must be 100 % accurate 100 % verifiable 100 % timely.This is a major violation committed by Equifax.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After I reviewed my credit report I noticed that there are many names under my Transunion Credit File and many unknown addresses which I would like Deleted from my credit report. I am listing those below for your convenience. 
TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX, XXXX, XXXX TRANSUNION XXXX XXXX, XXXX, XXXX TRANSUNION - XXXX XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX
Consumer complaint received 2017-02-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Management Services, Inc. (CA)

I received a notification on a credit monitoring site that I had a new collection. I went to obtain my free annual credit report to view the details of this alleged collection. I saw a creditor listed that was not a company I have had an account with in the past or present. They stated the original creditor was an XXXX XXXX XXXX. I have not received not XXXX statement regarding a current or past due bill from neither company. I have not received any voicemails from either of these companies. I would n't have even known this is being reported if I was n't using a monitoring service. I have not worked to maintain my credit in very good standings to have what is reported as a {$250.00} bill drag my credit score down. This company has n't done any verification or validation. My address and phone number has been the same for more than five years. Yet, I have not been sent not even XXXX bill, invoice, or statement. I am just automatically sent to collections without any type of notice that a bill ever existed.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

Someone made XXXX demand drafts from a Truist joint checking account. {$5500.00} on XX/XX/XXXX and {$7100.00} on XX/XX/XXXX. Both checks payed to XXXX XXXX XXXX XXXX. I didn't report the fraud until XX/XX/XXXX. I asked my bank if this was due to identity frauld they said no. I don't know how someone can do this without having personal information.
Consumer complaint received 2022-02-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: CURO Intermediate Holdings (TX)

There is a fraudulent account opened under my name and I wasnt aware of this. My ex spouse has my information and someone opened up a loan without my authorization. I am not responsible towards this because I never signed anything. I have letters that say to send my id to identify myself but im afraid to send anything else. Please call back number for me ( XXXX ) XXXX or email me at XXXX, I am still willing to send my Id but to a responding email or call or form.
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc. (TX)

Collector sent me a notice that stated I owed XXXX for XXXX. 
I do not owe anything to XXXX and have not used XXXX for over 10 years. I 'm an accountant and I pay all my bills on time. I do NOT owe anything to XXXX. 

The company 's name is IC System phone XXXX Address : XXXX XXXX XXXX XXXX XXXX MN XXXX Also, this company called me first, and asked for my address. They did not disclose who they were and that they were trying to collect a debt. Also, I have been getting phone calls from all over the United States. They call and then hang up.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I started calling Chase Bank on XX/XX/XXXX, to retrieve a copy of my XX/XX/XXXX Mortgage Interest Statement. I have been given the run around and as of today nothing has been done. I have n't received any call back which I have called XXXX times now. Each time I call, I get someone new with total different information. I fax a letter to the XXXX XXXX XXXX on XX/XX/XXXX, regarding my compliant with his executive office and bad customer service I have experience with a month now. I was mailed the incorrect documentation after faxing a prior year of the same statement. I called on today and was told to call XXXX which I did and they could not help me at all. I was then referred to CFPB to file a complaint against Chase Bank. I advised Chase rep that I needed this statement for auditing purpose and its imperative that I have it. I was given an extension and it 's now running out and I still have yet to retrieve this document from Chase. My issue is trying to get a Mortgage Interest Statement for XX/XX/XXXX.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a Quicl silver Master card from Capital One.I had not used it for two years.Recenntly they sent an email that they had de-activated my card becuase of inactivity.They claimed a letter was sent in XXXX XXXX to alert me which I never got.I had a reward balance of about {$230.00}. They refused to give me the rewrds saying the account was closed.I think this is fraudulent.