davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAC Financial Corp (TX)

Debt was paid balance was XXXX XXXX XXXX XXXX as of XXXX 2016. 

Have balance due was sent to me and stated XXXX ( XXXX ). 

Said they would report but have not over the last 3 months.
Consumer complaint received 2017-05-27
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: Convergent Resources, Inc. (TX)

Upon examination of my credit report I found an item listed to   XXXX   XXXX    i n the amount of {$520.00}. I disagree with the item and so sent a letter via certified mail on   XX/XX/XXXX  requesting validation of the debt bearing my signature. Thirty-three days later they responded by sta  ting that the debt is valid but still failed to provide via ble evidence bearing my signature to validate the debt ( they instead attached a copy of a bill, which does not prove that the debt was mine ). Their failure to provide this information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not be validated.
Consumer complaint received 2023-07-14
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission.
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (NJ)

1. I applied XXXX XXXX platinum card and got approved on XXXX XXXX ; XXXX Ref : XXXX 2. I received new card and started using a card. 

3. My card was being declined on XXXX XXXX. 

4. On XXXX XXXX, I called XXXX security/fraud department number and was told that I will get a call with reference number. Once I have a reference number, I was asked to call back XXXX security/fraud department to verify the account. 

5. I did n't get a call with reference number and called back XXXX security/fraud department again on XXXX XXXX. 

6. I clarified my account and all activity and was told that I can use my card again. 

7. However, my card was still declining. 

8. I called XXXX security/fraud department again. I was told that security/fraud department canceled my account. 

9. On XXXX XXXX, I was told by XXXX customer service supervisor, XXXX, that my account is still active but no new activity can be posted due to security/fraud department action. Only way to reactive my account is closed the account and apply new one. 

I am filing this complaint against XXXX XXXX XXXX for following reasons 1. My account is still active but XXXX does n't allow any new activity. 

2. XXXX does n't allow me to use my card when I verified all my identity/activity since their security/fraud department canceled my account. On XXXX XXXX call, XXXX security/fraud department supervisor acknowledged that this cancellation was their fault. 

3. I am filing complaint against XXXX for their racial discrimination. My wife applied same card and used card for all same purchase I made. However her account was never frozen. Her last name is XXXX ' which does n't imply her XXXX XXXX. I suspect that XXXX security/fraud department selectively chosen my account since my last name implies that I am an XXXX. 

XXXX. I am being told only way for me to use XXXX Platinum product is canceled my current account and apply again. However, my current account has very attractive sign-up bonus offer which was noted in XXXX terms and conditions. XXXX is forcing me to apply to new account which offers much less sign-up bonus offer. I am suspecting that XXXX is doing this since they does n't want to honor originally offered terms and conditions.
Consumer complaint received 2016-08-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C. (MD)

I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.
Consumer complaint received 2015-06-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

We are requesting that the Consumer Finance Protection Bureau assist us in resolving a dispute with Ocwen Loan Servicing. Ocwen has unilaterally altered the terms of the mortgage note we executed in XXXX XXXX. Our efforts to resolve the matter amicably with Owen have been unsuccessful and we are therefore seeking your intervention. We have attached a letter detailing our issues along with.a copy of our mortgage note dated XXXX XXXX, XXXX, as well as the following : XXXX XXXX a copy of a letter we received from Ocwen Loan Servicing, dated XXXX XXXX, XXXX, after we requested Ocwen to correct an error concerning how our loan is to be repaid. Ocwen had recently taken over servicing of this note. 
XXXX XXXX a recent Ocwen notice dated XXXX XXXX, XXXX, a year later, which again does not accurately reflect the terms of the note.
Consumer complaint received 2022-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Oklahoma Student Loan Authority (TX)

XXXX XXXX XXXX XXXX XXXX Scamed me for paying a loan I didn't consolidate for and charging me {$5000.00} to a different financial student loan service osla When the student loans I am currently paying are XXXX XXXX.
Consumer complaint received 2016-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is XXXX located at XXXX , Florida . XXXX
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION (WA)

I've had a personal load set up for XXXX for over a year, and todayXX/XX/XXXX they sent me an overdue notice. Upon checking my account they decided not to process my autopay for this month for no reason and send my account into past due so I had to pay it manually.
Consumer complaint received 2020-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (SC)

Convergent has infringed upon my rights to privacy as a consumer and they are in violation of the following sections of the Fair Debt Collection Practices Act. 
1. 1692b ( 2 ) 2. 1692 ( a ) 3. 1692b ( 5 ) 4. 1692d 5. 1692 ( d ) 2 6. 1692g ( c ) 7. 1692 ( 14 ) 8. 1692c ( a ) ( 1 ) 9. 1692c ( a ) ( 3 ) 10. 1692e ( 2 ) ( A )
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Representative, First, I have been charged three late fee payments when my account has had automatic payments from my checking account for many many many years, and no one from CapitalOne has contacted me regarding this matter. 

Second, the current charges outstanding in the account were disputed as the card was lost, a dispute was filed for those charges on the phone, and a paper dispute was sent by me via USPS mail as requested by the card company. 

Third, the account was closed without contacting me and without giving me a reason. 

Lastly, negative information has been reported in regards to the issues mentioned above to the credit reporting agencies, affecting my credit information due to this inaccurate information.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have a credit card company, Capitol One, that is suing me for a credit card that was not my account. I began by filing a fraud affidavit for this company, to later be notified that a trial is beset for this credit card that has been fraudulently established in my name.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (PA)

When I was trying to get my mortgage modified they told me that I '' would n't get a modification unless I was three months behind and that they could not except partial payments, but I continued with filling out the paperwork anyway. I was then told that I might want to stop making payments. I submitted the paperwork and they took 7 months to review it and denied me a modification.We were devastated, then I hired XXXX 's for {$3000.00} and a few months later we recieved our loan modification. What we did n't realize is that we would still be on the hook for the arrears, so it 's like we did n't pay anything for all the years prior to the modification. ( XXXX original loan amount, current balance is {$120000.00} plus the arrears of XXXX = {$140000.00} ) Our loan was originated on XX/XX/2007 with payments of {$1500.00} /month until we recieved the loan mod. Now they giving us monthly statements with the XXXX mortgage amount added to the modified amount which makes the monthly payment say more that it is. ( Please see attached ) I talked to a " XXXX '' and I asked the to put the to numbers separate and they refused to do so. This is concerning because it will make it impossible to get our PMI removed ( $ XXXX/month ), they could be charging interest on the the arrears, and it makes the monthly payment more. Please see what you can do they are NOT practicing fair business, it 's more like predatory lending. Thank you, XXXX XXXX
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I have done business with Chase for nearly XXXX decades with no issues until now. As of XX/XX/XXXX ( to my knowledge ), my primary checking account with them has been frozen, and I can not pay my Chase credit cards, other bills, or utilities or withdraw any of my own funds. Chase still needs to provide me with an answer as to why, will not explain the situation, and will not provide me with a timeline. My funds are essentially being held XXXX with my most recent paycheck, unfortunately being a part of this situation. I was not alerted to this freeze via a push notification, a text, an email, a secure message, or contacted in any way until I noticed a failure to transfer funds or errors in my Chase app. An in-person visit to my local Chase bank was mandated and made no difference other than the representative allowing me to pay my Chase credit card through his workstation. Again, I can not pay my Chase credit card statements now. This freeze has also resulted in my new money market account with XXXX bank failing to transfer scheduled funds and has resulted in a service suspension with my new account. This is affecting my reputation as a new customer and is placing immense strain on all my finances.
Consumer complaint received 2021-06-05
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: Castle Credit Co Holdings, LLC, Chicago, IL Branch (NC)

I had a water filtration system installed in my home in XXXX. The company financed it through Castle Credit, LLC. and did not furnish me with the terms and conditions of such financing to include filming a lien against my property. When I sold the property, I was made aware of the lien. I believed the lien to be satisfied at the time of the purchase when my property sold in XXXX of XXXX, only to receive a letter later in XXXX stating that the account was going to collections unless I took immediate action. I called and set up a payment plan to get current, paying {$570.00} in XXXX and XXXX of XXXX, then a payment of {$230.00} in XXXX to be caught up and resume my normal monthly payments of {$130.00} thereafter. The company reported to all three credit bureaus that the account was now in collections and remained in collections until I paid it in full XX/XX/XXXX. I contacted the company, XXXXastle Credit, to get this matter fixed to no avail. I disputed it with the credit bureaus and their investigations sided with the company.
Consumer complaint received 2017-02-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (MI)

The debt was paid directly to the hospital around the time the collection agency reported it. I have contacted them several times and sent several faxes with the receipt showing it was paid online. They then sent me over to another company who has refused to return my phone calls. One of their agents hung up on me and told me the other company is not handling the case that they are. Whenever I call either company they say it is up for review review means that they 're checking to see if the documentation was received. The documentation was facts almost two months ago and I have confirmations from the sent fax. Whenever I contact them they give me several phone numbers but no one has contacted me back. I 've also fax to several different numbers that they gave me for their company and also the other company that it 's supposedly handling the account.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my transunion credit report I noticed a t ax Lien Docket #   XXXX . I immediately contact  XXXX  County court at  XXXX  I spoke to a court clerk that informed me that they do n't report to any credit bureau. I then disputed this information with transunion as they 're reporting inaccurate information and they responded with a letter dated  XXXX / XXXX / 2017  th at the information was verified as accurate. I called transunion and requested that transunion provide me with the method of verification and they refused to provide me with that information. Under FCRA, sec 611 ( a ) ( 6 ) and ( 7 ) I have the right to request the method of verification from the credit bureau.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am trying to dispute information on my credit report with TransUnion but they are not asking for my documentation. TransUnion investigation results are listed this is a joint account verified, NO change. This company is collecting for XXXX at XXXX XXXX apartments, whose management company is XXXX XXXX XXXX, who have done nothing but lose payments and over charge residence at this property.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The federal tax lien in amount of {$110000.00} dated XXXX/XXXX/XXXX, need to be removed from Trans union, due to statue of limitation for 10 years from XXXX/XXXX/XXXX when the substitute tax return was prepared XXXX. Thank you.
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A. (VT)

I transfered a balance on my Citi Personal Loan to XXXX XXXX XXXX XXXX confirmed that they paid the loan on XX/XX/24 and that their check was cashed by Citibank on XX/XX/24. I received a letter from Citibank confirming that the loan was paid off. However, the loan continues to show on my online account, and automatic payments have been made to it. At this point, Citi owes me {XXXX for a payment I made against this loan, after it had been transfereed to XXXX XXXX  I would like a refund, and also confirmation that the loan has been paid off. 

Repeated phone calls to Citi have failed to resolve the issue, as no one seems to know how to handle a personal loan. I was given this number to address the complaint, and the call repeatedly fails when I call it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (VA)

I dispute XXXX XXXX banks for reporting inaccurate information on my credit report and all the bureaus said it was verified. 
I was trying to get XXXX XXXX and was rejected for negatives information my account.I am trying to get a job and can not because of this account being report negative. This account was secured and the company took some of my money as fees before closing it. 
They should deleted or report it as paid with no late payment or any negatives on the account.
Consumer complaint received 2017-05-24
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. (NJ)

Equifax  Tax Lien Federal  I have on several occasions sent notes to the reporting company to remove derogatory information from my credit report. While there where  XXXX  items I requested they remove and supplied them with all information regarding both they removed  XXXX  and to date still have not removed the  XXXX  item Notes and information was sent thru Post Office mail on   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  and  XX/XX/XXXX   every time I check my report thru  XXXX   XXXX  this  XXXX  item is still there even after I explain the law that said this was to have been removed with in 30 days of it having been satisfied. I got this information from the IRS web page. I understood this to have been removed in    2012  and now 5 years later it is still there.
Consumer complaint received 2020-05-03
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: Experian Information Solutions Inc. (NV)

I have already submitted many complaints containing verification on my part of MY identity to Experian regarding the account I am referencing. And my previous complaint with the CFPB ( which yielded nothing ) against Experian was still NOT sufficient and Experian STILL has not performed a reasonable investigation regarding this company. How do I know?? Because the company is CLOSED due to the COVID-19 pandemic hence ; adding the comment on my credit affected by natural or declared disaster the company is located in NEW YORK. Which has been on strict closure orders for the last 2 months. 

Experian submitted a response to the last complaint with CFPB ( complaint ID XXXX XXXX dated submitted XX/XX/20 ) explaining that they have contacted XXXX XXXX XXXX to verify the information and received the information back from them verifying the account?? How did that work??? WHO VERIFIES THESE ACCOUNTS?? WHAT INFORMATION/DOCUMENTS IS EXPERIAN RECEIVING THAT IS PROVING THIS ACCOUNT IS VERIFIABLE?? And WHERE is MY documentation that I am legally entitled to verifying the VALIDITY of this account?? IE : A signed document containing MY wet signature?? THAT is the law and I have now requested this information FOUR times. And if this account is not verified in this way, I DEMAND that it be deleted according to the law! I will not hesitate to be litigious! 

Experian is breaking the law! What is the CFPB going to do about this?? What is the point of the CFPB if it is merely a MEDIATOR?? I started sending these requests and received my first response from Experian ( illegally ) and they did not provide me the proper documentation and claiming it has been verified a MONTH before the declared pandemic. 

The company I am referencing in my complaints with Experian is : XXXX XXXX XXXX ACCT # : XXXX
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (FL)

I applied for Citi Double Cash credit card in XX/XX/2016 with advertised promo of 0 % APR on purchases. After my second bill was released I have an interest charge and customer service representative claims that my account has standard APR on purchases and 0 % APR only on balance transfers. Even today Google results bring up searches with 0 % APR on purchases offers for this card which actually do not exist. Big banks like CITI should have better control of information provided by universal search engines than that. I assume they spent millions on advertising every year. Thank you
Consumer complaint received 2023-07-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX