davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I tried to add my children as an authorized user with their DOB, SSN address and phone number and set the card spending limits. The cards are sent via overnight mail. The next day I receive a call from Capital one fraud department stating they need the kids 's drivers license and a copy of their social security card. I called Capital one back stating I am not sending in the information and to cancel the request of adding them as an authorized user. The rep says they can not cancel that request until the documents are sent in. I told them the kids do n't have drivers licenses and that I am not sending in their social security cards. I told the rep to cancel the card.The rep states that she can not submit a request to cancel the card due to the " fraud restriction '' and that I would have to send the ssn card and drivers license. Her name is XXXX # XXXX. I asked if he had any other options and asked again to have the card cancelled. She stated they would not be able to cancel the card. I paid the balance in full so it 'll be zero but they wo n't cancel my credit card.
Consumer complaint received 2017-05-24
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. (TX)

XXXX   XXXX ,  2017  - Notified by  XXXX  that someone had tried to open an account fraudulently  XXXX   XXXX ,  2017  -  XXXX  did a  3-way c all with  XXXX  Bank,  XXXX , and Me to have this removed  XXXX   XXXX ,  2017  -  XXXX  Bank stated they would contact the credit bureau and have the hard inquiry removed  XXXX   XXXX ,   XXXX   - Received a letter from  XXXX  Bank stating to give it 45 days to have the inquiry removed Contacted Equifax 4 times with proof that this was unauthorized and fraudulent and they come back stating it is " record of fact '' As of today,  XXXX   XXXX ,  2017  it has now been 63 days since this happened.
Consumer complaint received 2016-04-04
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I got a rejection letter from Capital 1 Auto Finance, dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present Capital One credit obligations. '' I do not have nor have I ever had any Capital One credit cards. My sister in law, however, does and she has poor credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow Capital One has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies!
Consumer complaint received 2015-10-21
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Forster, Garbus and Garbus (FL)

My Daughter XXXX XXXX, had XXXX student loans with XXXX XXXX. I co-signed XXXX of the loans and my daughter failed to pay the loan back and a collection agency called XXXX in NJ was hired to collect the money. The collection agency without telling me decided to combine both loans and put a judgement/lein against my house. I feel that combining both loans with only my name on XXXX of them should not have been done. Because of that, I had to put up {$45000.00} in escrow so I could sell my house. The loan went from XXXX XXXX to XXXX and they hired their own collection agency called Forster, Garbus & Garbus, which seperated both loans as they should have. I contacted them and I settled the loan with my name as co-signer, with them on XXXX XXXX, 2015. I have been trying since then to get a warranty to satify judgement document to send to my attorney to release my {$45000.00} funds in escrow. I have contacted numerous people so many times and left voicemails hoping to get the documentation and no one returns my phone calls. I called XXXX hoping to get some answers and was told that the collection agency did not report any information about Loan settlement. I am reaching out to you as a last resort hopefully to put some pressure on them so they can treat me the way consumers ought to be treated. 
Thank you, XXXX FL XXXXXXXXAccount with Forster , Garbus & GarbusXXXXClient Ref. No. - XXXX
Consumer complaint received 2016-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (MA)

I have requested several times that Aspire Inc ( http : //www.aspireresourcesinc.com/ ) take the phone number of my previous place of employment off of their contact information to contact me with questions regarding my loan with them. I have, several times over the phone, requested they use my current phone number to contact me and not my previous employers ( who I have not worked for since XX/XX/2015 ), and yet they continue to harass my ex-coworkers.
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paypal Holdings, Inc (MS)

i received a bill from XXXX XXXX XXXX saying that I owe pay pal the amount of {$390.00} as of today 's date I have not received verification of this debt and they are attempting to collect and I have no idea when this debt was and if I truly owe this bill. This debt has to be more than 3 years old and has passed the statue of limitations on collecting as of today 's date I have not received a bill from pay pal to pay nor have they contacted me to do so.
Consumer complaint received 2016-01-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CMRE Financial Services, Inc. (CA)

I had an XXXX visit last year as to which we were sent a bill for that was supposed to go to my insurance. After calling, it was sent to insurance and paid off. But then I got a letter from CMRE Financial Services claiming they were collecting my debt. After calling the hospital again, they said they removed the collection after the error was cleared. But the collection is still on my credit and ruining my credit and I 'm only XXXX. Any disputes I 've sent through XXXX have been denied. I owe no money, nor did I ever, but they are continuing to ask for it.
Consumer complaint received 2016-11-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Adjusters, LLC (TX)

I have no recollection of this collection. NCA. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. 

NCA
Consumer complaint received 2020-11-24
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: Experian Information Solutions Inc. (CA)

I uploaded a letter to Experian, XXXX  and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX  or XXXX does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (CA)

Without my permission or agreement, Citibank opened a credit card in my name, posted {$12000.00} in charges, is charging me interest and late fees for not paying, is reporting this to credit reporting agencies, and refuses to reverse the above. I never agreed to the credit card and I have never used it. I have repeatedly advised Citibank of this and requested all be rescinded, but they refuse. The latest refusal was by XXXX XXXX, Executive Response Unit, Office of the President of Citibank at XXXX.
Consumer complaint received 2015-06-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (FL)

My Govt. check usually is deposited in my bank on the XXXX of each month. I was sent an e-mail stating that my check would not reach my bank until XXXX XXXX, I sent Spotloan a request to defer their debit payment from the XX/XX/XXXX to the XX/XX/XXXX ( XXXX days ) They responded that they would not be taking out my next payment and by deferring my payment would add {$590.00} in interest to my account.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (GA)

Hello, I 'm in desperate need of mortgage intervention. I 'm a senior home owner with fixed income. I 'm having a big problem with my lender. I 've have my home for 26 years. Back in 2009 my sub- division suffered a devastating flood that affects the value of all property in the sub-division. For the past three years, I have family illness that causes me not to be able to make my {$1200.00} mortgage payment. So, I reached out to my lender Seneca Mortgage Servicing, LLC, out of New York. I reached to them to let them know that they need to lower my principle or to re-finance my mortgage because of the devastating loss of the value. I paid another company to help me to intervene. What I did n't realize is that Seneca Mortgage servicing only reduced my payment, but redo it for another 40 years. I did n't know this until I came back home from helping my ill family. I consider this practice as PREDATORY LENDING. I need help in getting this issue resolved. I should not be starting over for another 40 years when I 've had the house for 26 years already. WHO DOES THAT. They split the mortgage into XXXX, XXXX is for {$120000.00}, and the other is for {$55000.00}. The house does n't worth this {$170000.00}, and I should n't not be starting over. I thought that after two years of not missing any payment, they will forgo the {$55000.00}, part of the split. That was my understanding. Seneca Mortgage Servicing, XXXX XXXX XXXX, XXXX, XXXX, XXXX. Home address : XXXX XXXX XXXX, XXXX, XXXX, XXXX. I need set up a new financing plan that does n't include the {$22000.00}. Please help me!!!
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Huntington aquired a bank that I used to bank with but had closed my accounts with them years prior to the aquisition. Hungtington opened two accounts in my name and when I called they refused to close them telling me I had to go into a branch to close the accounts. That is not an acceptable response for accounts they fraudently opened.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I applied for a mortgage from   XXXX   XXXX  , they did   XXXX   times hard inquiry during 2 months period, with out my authorize,  XXXX  in  XXXX     2016  and other  XXXX  in  XXXX   2016 , they did the second hard inquiry after they cancel the pre approve, i never get the loan and my score dropped  XXXX  points, I filed a dispute with credit agency, they did n't solve the issue.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

A payoff request for a first mortgage loan was submitted to Ditech on XXXX XXXX, 2016. In the past 4 1/2 weeks they have acknowledged several times receipt of the request yet have been unable to provide a written payoff request. They have stated that the attorney faxed it, the attorney was still working on the figures, money was applied to the account incorrectly. Every day they tell me that we will receive it tomorrow.
Consumer complaint received 2019-05-28
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. (NJ)

I wrote a letter to Transunion in regards to unverified and unauthorized inquiries that they are reporting on my credit report. They have failed to remove these erroneous inquiries from my report that are dating back to XX/XX/2017. I've also tried to call via phone to explain that these inquiries where impermissible and I asked that they DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

I got a letter in response to this as if i asked for inquiry explanation. 

They respond via mail " Ref : Explanation of the Inquiries on your Credit Report '' This isn't a through investigation of the issue. I didn't ask for explanation of Inquiries.
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

The nature of the complaint is that the creditor failed to respond to a debt verification request made pursuant to the FDCPA. The basis of the dispute is that complainant was a victim of identity theft. In XXXX XXXX Complainant 's ex-spouse open a credit card account with USAA in his name, and the Complainant was unaware that the credit card account was opened. The XXXX decree was granted at the hearing on XXXX XXXX, XXXX and signed by the judge on XXXX XXXX, XXXX. XXXX days prior to the final order dissolving the marriage Complainant 's ex-wife transfers balances from XXXX of her credit card accounts to the USAA account. 
The complainant became aware of this once the balance showed on his credit report. He immediately filed a police report with the XXXX XXXX XXXX, TX police department. The case is being investigated by Office XXXX XXXX. He also filed a complaint with the Federal Trade Commission. On or about XXXX XXXX, XXXX the complainant through his legal counsel sent a written debt dispute letter to USAA requesting verification of the debt and specific documents to authenticate the account application. On XXXX XXXX, XXXX USAA responded that the credit reporting issues were out of its control referred the complainant to the credit reporting agencies and failed to provide any verification of the debt. 
The Complainant is requesting debt verification and damages and reasonable attorney 's fees pursuant to the FDCPA.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

These accounts are not mine. I have contacted the credit bureau ( experian ) multiple times, I have submitted a FTC identity theft report as well as filed a complaint with my State Attorney General ( attached here ). These are fraudulent accounts. Please remove them from my report ASAP. Please note none of these affirm accounts show up on my transunion and XXXX report as they are aware these don't belong to me. Thank you.
Consumer complaint received 2022-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Following the price appreciation in home values over the past couple of years, i contact PHH Mortgage to request removal of PMI on my mortgage. I followed the instructions on the PMI removal process notice i received from PHH in XX/XX/2022. I paid the PMI removal process fee of {$150.00} on XX/XX/2022 and I have since been waiting on PHH to complete this process. 

My property is has way over 20 % equity based on any leading property site estimator or comps from recent sales in my subdivision. 

Despite numerous communications with this servicer, my request to remove the PMI has not been processed since my payment to get the process started in XX/XX/2022.
Consumer complaint received 2023-04-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/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 ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ->> These adresses do not belong to me. Please delete it from my credit report. 
XXXX. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

I disputed the debt online through credit agency. They sent a letter advising that I needed to call by XX/XX/2022. I called numerous times and I get the run around. This is not a valid debt and I am requesting verification. They are refusing to provide verification.
Consumer complaint received 2017-05-22
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 — Investigation took more than 30 days
Company: Jon Barry and Associates, Inc. (NC)

These  XXXX  medical bills are not my debts.  XXXX  for {$280.00} and the other  XXXX  for {$75.00}. I sent Paragon Revenue Group a letter to verify this is my debt per the  Hippa Validations.So i just got a letter in the mail for Paragon Revenue Group that is   suppose to be verifying this is these debts.They have failed to comply not only per HIPPA but also by the FAIR CREDIT REPORTING ACT. What they sent me is not a validation.
Consumer complaint received 2023-04-13
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. (IN)

I have been disputing inaccurate information with Experian, XXXX and XXXX over the past few months. 
I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX  XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX CHILD S XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX  XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX. XXXX, XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (KS)

I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditor 's collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (NY)

on XX/XX/XXXX I called american express to get a replacement card I was told It will be mailed to my address in 4 busniss days, After a week I called them back because I did not get the card and everytime I call them I get the same answer.On XX/XX/XXXX I call them and said If I do not get my card I will have to close the account then the representative close the account and hung up on with reading the disclosure to me or asking me for my approval, then they took away all cash back money, And ever since that time I call them over 20 times to solve my problem and everytime I get the same answer that said we will reinstate the account in 48 hours and now its been two weeks and nobody did anything to help me.