davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Caliber Home Loans, Inc. (SC)

We would like to file a complaint with the Consumer Financial Protection Bureau and or the Federal Trade Commission concerning the inability to resolve a recurring issue with Caliber Home Loans. 
This is the second time in two years we have had to contact the CFPB/FTC concerning Caliber 's refusal to stop sending out statements, and now solicitations, via USPS, in which our personal information pertaining to our mortgage data including balance, name, address and interest rate is printed as well as the last few digits of our account number. We have explained to Caliber countless times that our mail service is not reliable and continuing to send this information leaves us vulnerable to potential identity theft should our mail end up in the wrong hands. We have requested instead that they send us correspondence via email. These requests were made multiple times every month for over a year including countless phone calls, faxes, emails and letters ; ALL of which Caliber denied receiving. 
Furthermore, only after the FTC became involved and asked for Caliber 's written response did Caliber finally stop sending monthly statements and agreed to start sending emails. Although the hard copy statements did stop we have NEVER to date received an email statement from Caliber. 
Several months ago Caliber started to barrage us with letters soliciting us and no doubt other customers to refinance their existing mortgage. In these letters under the headline : Let 's Get Personal ... Caliber states our mortgage balance, our interest rate, my husband 's full name, address and the last XXXX digits of our account number once again our requests to have Caliber stop this reckless behavior has fallen on deaf ears. Additionally, as our prior experience has taught us ; Caliber only has XXXX phone number available for customers to call. Each and every time we have called this number the result is always the same. Repeatedly, we are put on hold and then told that a supervisor is not available. Promises to return calls are never fulfilled and the insanity continues. 
We are hoping that the CFPB or the FTC will require Caliber to provide a more transparent access to management in all areas of the company including published phone numbers, names and titles of individuals within their company in an effort to provide their out of state customers with real help rather than a generic phone number manned by individuals that according to our experience have neither knowledge or the ability to handle customer issues. Additionally, we would ask that the CFPB or the FTC investigate Caliber 's refusal to comply with our countless requests to cease and desist sending out any correspondence via USPS that contains our personal information and that Caliber stop the harassing practice of solicitation. 
Thank you,
Consumer complaint received 2017-01-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Bread Financial Holdings, Inc. (MI)

Calls all hours of the day from XXXX to XXXX from an unknown phone phone number asking for my bank account info. I asked her to call back on a line that I could connect to an actual company. She told me to call back with m bank info when i tried to explain I could not call back she called claiming to be whoever from a blocked line she told me the calls would increase and they have. Why would I give me card or bank info to someone I dont know. I am one payment behind and already caught it up they say they are calling 10 times a day to remind me. 
Told her last night I just made my payment I have had 8 calls already again today
Consumer complaint received 2024-10-10
Product: Credit reporting 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. (IL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (AZ)

On XXXX XXXX, I noticed several large charges authorized on my Amex account ( on my mobile app ) from a merchant I had never heard of. I immediately called American Express to report the Fraud. Several calls and several broken promises later, no one can tell me the status of these fraud cases, no one can tell me when credits will be issued, they 've been unable or unwilling to stop this merchant from charging me and they 've sent my replacement card to my former address, despite my giving them my new address several times. While I 've been assured that I wo n't be financially liable for the fraud, they refuse to put that in writing. Likewise, it appears criminal ( s ) have XXXX account numbers that they continue to charge while a replacement card is now floating around in Minnesota while I 'm Arizona. I 'm feeling very exposed to further financial damages, identity theft, and am not able to use the account I 've been using for my day-to-day expenses for several years.
Consumer complaint received 2024-10-10
Product: Credit reporting 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. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I recently reviewed my credit reports and noticed an account reported a late payment that that has never been late. The consumer reporting agencies need to report all information with accuracy. I have attached my reports with the inaccurate error with XXXX XXXX  LATE PAYMENT IN XXXX of 2024.
Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I opened a Citigold checking account with Citibank in late XXXX last year. When I signed up, there was a promotion offer of XXXX bonus. I used the promotion code of the offer to apply for my Citigold checking account online and my account was reviewed and approved without any issues. After my account had been approved, I got the confirmation via Citi online chat session that I was eligible for the promotion of XXXX and this promotion was successfully attached to my account. The bonus would be credited to my account 90 days after I fulfilled the requirements. I completed all the requirements of the offer : XXXX bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases. After I finished these requirements, I got the confirmation from Citi representative that I had met all of the terms in early XX/XX/2016 plus that I was eligible and the promotion was linked to my account. I have digital proof of all the information mentioned above. Reconfirmed on XXXX, and got the information through secure message that the 90-day mark falls on Saturday XXXX XXXX and the miles will be processed to my XXXX account the following business day XX/XX/2016. They suggested me to wait longer since the incentive should be credited no later than the end of the end of XX/XX/2016-statement cycle. But the bonus were never credited to my account. There is no justification for the delay in posting the bonus. I inquired about this problem via online chat and they opened an investigation on XXXX reward over three weeks ago, but they have n't provided any resolution. 
Meanwhile, there is a relatively high monthly service fee associated with the Citigold account and it would take several months for new account holders to meet all the terms and conditions to obtain the promotional offer. It is not justifiable and should be considered fraudulent for Citibank to attract new customers using promotion offer, collect high monthly service fee from new account holders, and not honor the promotional credit after customers opened their Citigold checking accounts, met all the promotion requirements and paid the monthly service fee accordingly.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-08-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FirstPoint Collection Resources (NC)

Tried to get money for a doctor visit in XXXX of 2013. A week after my visit the practice dissolved. I never received a invoice seeking any payment for three years. First Point Debt Collections called me to inform me of debt. They have no paper work and could not tell me who got the money when I paid bill. If practice out of business who filled collections after three years and who are they going to give the payment to .They could not, and would not answer any questions. Got ill for me asking.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (TX)

I have exclusively used my American Express ( AMEX ) for almost all purchases since 2010. 
My recent customer service experience, however, has been disappointing. I rented a car from a nationally renowned car rental company. The car rental company charged my AMEX card insurance without my authorization. When I disputed this charge with AMEX, I believe that AMEX failed their duty to investigate the fraudulent charge for at least the following reasons : ( 1 ) AMEX failed to consider the fact that the car rental company withheld parts of the rental agreement ( the part about the insurance charges ) from me at the time of the rental ; ( 2 ) instead of investigating the matter, AMEX took the rental car company 's word and disregarded their bait-and-switch tactic ; ( 3 ) AMEX failed to consider the fact that multiple complaints and even law suits have been filed agains the rental car company for the very same issue ; ( 4 ) AMEX disregarded my credibility as a long-time customer who has had an impeccable overall financial history and history with AMEX in particular. 

Moreover, as a result of AMEX 's failure to investigate, the rental car company has informed me that there is nothing they can do to remedy this fraudulent charge. In addition to resolving the above fraudulent charge in the consumer 's favor, I 'd also like AMEX to resolve the issue that the rental car company now uses the consumer 's dispute with AMEX as a reason to continue their fraudulent activity.
Consumer complaint received 2016-07-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Commercial Trade, Inc. (CA)

Just received notification from XXXX subscription that a new collections was added to my report. Puzzled, I log on to see what was going on. XXXX collections were reported to the credit agencies, however, not one time did Commercial Trade Bureau contact me via phone -or- mail. How can I pay debts that I know nothing about when the collections agency is n't properly notifying me?
Consumer complaint received 2016-07-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Cedars Business Services, LLC (GA)

During my time in XXXX XXXX, the company I worked for forced its employees to take out loans for housing. Unfortunately, the workplace was abusive and I quit to move back to the States. The loan company there sent the loan to a collection agency in the states. After speaking with the collection agency here, I told them I was n't working. They continued to call me. Recently, they called my daughter. I have no idea how they got her numbers, but I called the collection agency and told them to stop calling me and my daughter. When I spoke to the collection agency, they said they had no record of me or my daughter. Recently, my daughter told me they called my mother. 
I told them more than once I was forced to take out the loan and they need to speak the with company that forced me to do so because I 'm not responsible for the loan, the company that forced me is responsible. They continue to harass me. When they call now the number comes up on my caller ID as unknown. They call sometime two or three times a week or more. They have called my daughter twice and my mother once. When they called my daughter and mother the number on the caller ID came up as unknown too. 
If they do n't have a record of me, why are they continually calling and harassing me? 
Their employees tried to bully me : one employee suggested I take out loans to pay this loan, borrow money from family, and go back to an old job from about ten years ago while asking me what I planned to do about this loan. I reiterated the loan was the problem of the company who forced me to take out the loan and that 's who they need to speak with.
Consumer complaint received 2016-07-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

Citi performed what I can only describe as a bait-and-switch. I signed up for a CitiGold checking account at the end of XXXX XXXX using a promotion ( code : XXXX ) that offered XXXX AAdvantage Miles within 90 days of completing the following requirements : perform a bill payment in 2 consecutive months and make {$1000.00} in debit card purchases. I finished meeting those requirements on XXXX XXXX, XXXX and verified with a Citi representative over the phone, while taking care of other business, that I met all of the requirements and would be receiving my miles. Not only did I not receive the miles, but now Citi has told me that I was never eligible for the promotion even though the terms ( attached ) specifically say " you provided the special offer code XXXX to be eligible to receive ... XXXX AAdvantage miles '' and a representative later told me I was eligible, completed the terms, and would be receiving the miles. 

To elaborate, I waited until XXXX XXXX, 2 weeks after the latest date I was supposed to receive the miles, to send a secure message about the issue. At which point an investigation was opened and I was promised a response within 3-5 business days. I contacted Citi through their online chat after 5 days had passed without a response and a second request was placed, this time I was promised a response within 2 business days. After another 5 business days with no response, I contacted Citi over chat again and was this time basically told that I 'd hear back from the investigation when I hear back from the investigation. When I expressed my dissatisfaction I was given a phone number and told it was for the promotional department. The next day I called that number only to discover that it was Citi 's normal customer service number. After going through the prompts I was able to talk to a general customer service representative about the issue and was told she would personally contact the person assigned to my investigation and call me the next day. She did in fact call me the next day, making it the first time Citi ever followed through on their word, and that is when I found out the investigation team in the promotional department denied my claim while citing that I was never targeted for the promotion. After pushing even further, I was told I was indeed not eligible and there was no evidence of misinformation so I will never be seeing the miles. I completely disagree on all accounts and feel that Citi is simply trying to avoid honoring their side of the agreed upon terms. 

So, in short, Citi baited me into signing up for a CitiGold account with a promotion and then made up an excuse to deny me the bonus I earned through the promotion. After some research it is clear that Citi has a history of doing this very thing to their customers and it should not be tolerated.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (RI)

I paid for a gym membership in XX/XX/2016 with Citibank CC. 
Payment was received by merchant and access granted to me. 
During XX/XX/XXXX access to facility was denied for no known reason. 
I filed a dispute and money was returned to me. I also contacted the merchant who said access was denied in error. We agreed to make a new contract in XXXX 2016. 
During XXXX 2016 Citicards REVERSED the item and recharged me. I have emailed and called numerous times to get it removed permanently but to no resolution!
Consumer complaint received 2016-07-23
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I received paperwork stating that a lawsuit is going to be filed against me for a debt that I do owe on. The cover letter from the company states I need to contact them to resolve the situation more amicably. I did send an email with the draft of a settlement letter, and I will follow up by sending the letter via certified mail. I want to pay the debt ; this is one of the last ones I need to resolve. This letter is dated a few weeks after I received the first debt validation letter. 

I believe the company is using this as an intimidation tactic to collect money for the creditors it 's representing. I am willing to work with the company to resolve the debt, but I do feel that in this instance they 're in violation of the CFPB.
Consumer complaint received 2016-07-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MI)

My credit scores for XXXX ( XXXX ) and XXXX ( XXXX ) are assessed by XXXX XXXX as " Excellent '' but my score at Equifax ( XXXX ) is listed as only " fair '' -- XXXX XXXX tells me that Equifax 's rating will result in higher fees and interest rates, difficulty qualifying for the best rates, etc. In response to my phone inquiry Equifax tells me that I am insufficiently in debt to have a higher score : Within the last 10 years, I failed to have a mortgage on any of the XXXX houses I owned and on neither of the XXXX cars that I owned. If I want to raise my score, I was told I should take out a mortgage or XXXX and take out a car loan -- -even if I pay them all off the next day. According to Equifax , if I was more in debt, I would somehow be a better credit risk. This makes absolutely no sense to me.
Consumer complaint received 2016-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (FL)

I moved out of XXXX 's service area and they say I owe them an early termination fee. They say I broke the terms of their contract and charged me a {$170.00} fee for that. I asked them if they would move my service to my new address, they said they could n't and would disconnect my service for me, but could not reconnect. I received a bill stating I had a credit of {$47.00} that was owed me. Next month I got a bill with the early termination fee and it used my credit towards that. I called and they said they would issue my refund check in about two weeks. Next month I received another bill for the balance of the early termination fee. I called again to complain to XXXX. I was cut off twice. I filed a FCC complaint, and XXXX called me and said they could not waive the fee. I asked them to provide service in my home. If I was being held to the contract, then I was holding them to the contract. They said they could not and would not waive the fee. Two hours after that call I received a call from a collections agency asking for the balance of the bill XXXX says I owe. I am due a refund of {$47.00}. I have attached the bills and the collection notice I received in the mail.
Consumer complaint received 2016-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: SQUARETWO FINANCIAL CORPORATION (FL)

Cach LLC obtained this loan from XXXX. They sued me and were not able to recovery because the agreement was bound by arbitration. The judge dismissed the case. The note attached to the complaint was a form note with no amounts date or signature to validate the debt. Cach refuses to take this debt off my credit report