davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (VA)

My husband, XXXX XXXX had a bill with XXXX XXXX XXXX of XXXX in XXXX. We received letters last year from a company and I finally disputed the charges and it was removed from our credit report. 
Now this year, I received a letter from XXXX XXXX XXXXt XXXX ) asking us to pay {$170.00} and the {$290.00} debt would be resolved. 
I called the Automated Voice Response system for Hospital Medicine using the Acct # XXXX and we have a {$0.00} balance. 
I called XXXX and told them this debt was paid in full. The young woman on the phone said XXXX just does the collections for Cascade Capital Funding and if they close the account then the account would just be sent to another debt collection agency. 
Please assist us with closing out this account at Cascade Funding so they can stop sending our information to different collection agencies. This company has about 62 complaints for similar infractions on he XXXX XXXX web-page. 
Something should be done so that this company is held liable and at the very least there should be regular checkups in their system to make sure they are contacting the public about debts that have not been paid in full. It should be their responsibility. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RENASANT CORPORATION (AL)

I have disputed this issue previously several times with the company ( Renasant  ) and the credit reporting agency ( XXXX ). 
Today on XX/XX/2021 I contacted the reporting agency ( XXXX ) about the issue and the agent was not knowledgeableor helpful in regards to my situation. The agent also ended the call while I was still trying to explain that the information is incorrect. 
I have duplicate mortgage accounts listed on my credit profile. Last year my mortgage loan was transferred from Renasant Bank to XXXX. My credit report is reflecting as if I have two open mortgage loans, when I really only have one mortgage. Both Renasant and XXXX are reporting under the same account number. I now handle my mortgage loan through XXXX ( XXXX XXXX XXXX & XXXX ). XXXX  should not still be reporting as open nor should it still be listed on my credit profile since XXXX is currently my loan institution.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Called portfolio recovery in regards to a debt. I had an XXXX XXXX credit card which was opened on XX/XX/XXXX, XXXX Credit card had a credit limit of XXXX. However, this company reported that I owe XXXX. The writer offered to pay the XXXX in which the credit card was worth. However, they want me to pay more.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/XXXX I mailed in form to to get the 3 free credit reports. I have only received one from XXXX. Transunion sent me a postcard asking for more documentation in XXXX. I sent them the requested documents immediately. I received nothing back from them and I've received nothing from at all from XXXX.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

We would like to thanks Bank of America for repeatedly sending us several copies of the paper work they feel answers our questions. We have enough of them and don't wish to receive another copy of said paper work. However they still ( after the last 6 years ) have not answered the questions that we have asked. So the the umpteenth time we will ask the same questions. 1 ) What happened to the check from our closing on XX/XX/2015 that was missing for 11 Months!!!? According to the XXXX XXXX sheriffs office their attorney received it. 2 ) Why were they unwilling to give us a modification loan before we sold our house, when they offered us one 5 months after our closing? 3 ) Why for 11 months after our closing and monthly phone calls from us, did no one from Bank of America go looking for said payment? What are they going to do about our sever financial situation? Which happened because of a mix up caused by their attorney. 

I feel that we deserve an answer to all of the question we've asked and no another copy to the paper work they keep sending.
Consumer complaint received 2021-03-03
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. (VA)

I have mailed 6 disputes to Experian. I have an account that was paid off but is reporting twice on my credit report with Experian. The first dispute was mailed in XX/XX/2020. I have not had a resolution to this.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MD)

I signed up for this " XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' Today I find out a credit card was added, and I was NEVER informed.
Consumer complaint received 2021-03-02
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. (KY)

I have been battling identity theft since 2015. I have contacted Equifax more times that I can count over the past several years. I have sent in police reports and divorce paperwork and identify theft paperwork over and over and over and over again. Out of all 3 credit reporting places Equifax refuses to remove the identify theft from my report, even though every other agency has removed it. They are still reporting XXXX XXXX XXXX on my credit report even though I have proven time after time after time that account DOES NOT BELONG TO ME!!!
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone # XXXX Re Loan # XXXX Dovenmuehle Mortgage CO XXXX In XX/XX/2020 we refinanced our current residence and was suppose to get a refund check of {$730.00}. The first check was sent out on XX/XX/2020 to our physical address, not our mailing address, we have never received mail at our physical address, so I was asked to fill out a change of address form and send it in and they would send the check again. The second check was sent out on XX/XX/2020, and again, I waited for the check to arrive, having more patience this time, due to the holidays and COVID. Again, the check did not arrive. I have called multiple times, spending at least 1 hour on hold most times that I have called. I have spoken with several supervisors, who each assure me that they are putting in a check request, or expediting the check request, or checking with another supervisor to see why the process is not going through. All this is documented with the mortgage company! I need some help to get our refund check, and I am out of patience! Please help!
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

This is not my debt. Initially, I received notification pertaining to five separate accounts from Midland Collection agency/Midland Credit Management. For each of these, I sent letters to MCM requesting GAAP debt validation. I never received any documentation in response to any of my five separate debt validation requests requesting GAAP, which in researching this company further with the XXXX XXXX XXXX, seems to be a common practice for this company to not respond to debt validation requests. Despite not following FCRA laws, they have continued to make collection efforts, including reporting this to the credit bureaus, which they are not legally allowed to do without proper validation/GAAP.. I recently disputed this with XXXX. In response, Midland MCM responded to them and said this debt is valid and sent me paperwork which is just their own claims that I owe this debt, no paperwork showing they have any authority to collect this debt or that I ever owed this debt to the original creditor in the first place, there is no documentation from the original creditor at all to support that this debt is mine or that this debt ever truly existed or that this amount is accurate and the letter I received indicated I do not have any of these original credit accounts on my credit report. It is my further understanding that a California agency XXXX has filed a lawsuit against this company for illegal collection practices such as collecting on invalid debts, never providing proof of debts, never having adequate proof of debts. 
To be clear, this is not my debt, I am not acknowledging this debt, Im asking for assistance in getting these five collection items removed from my credit reports.
Consumer complaint received 2021-03-02
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. (MD)

On XX/XX/XXXX I wrote and sent via certified mail a formal dispute letter to the following credit bueraus : Equifax, XX/XX/XXXX and XX/XX/XXXX in regards to incorrect personal information and incorrect accounts being reported on my credit report which is having a damaging effect on my credit score and overall credit profile. Within this letter, I specifically stated for each of the credit bureaus to provide in detail the full scope of their investigation, including the names of the representatives from each creditor that they " verified '' the inaccurate accounts with, the date of this correspondance, and any legal documentation bearing my signature that I have with the " alleged '' creditor. I've also sent via certified mail an inquiry letter to each credit bureau demanding why my credit scores had such a huge drop within only 60 days. My Equifax score dropped 65 points, XX/XX/XXXX dropped 97 points, and XX/XX/XXXX dropped 78 points since XX/XX/XXXX. There is nothing on my credit reports stating or showing where this significant drop came from. None of the three credit bureaus responded to any of my letters inquiring about this. I could not get through to any of the bureaus on the phone, nor have I received any email correspondance. I am looking to purchase a home within the next 6-8 months and my credit scores were in the high XXXXXX/XX/XXXX, low XXXX XX/XX/XXXX before these drastic score drops which occured from XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2021-03-04
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. (GA)

I submitted dispute letters to Transunion, XXXX  and XXXX XXXX XX/XX/2021 and XX/XX/2021. I submitted along with my dispute letters a copy of my FTC identity theft report, a signed and norarized identity theft affidavidt, my state ID and a copy of my social security card. 
I received letters from all 3 bureaus stating that I needed to submit copies of identity theft reports and identity theft affidavidt, .I have already submitted those documents along with my dispute letters to them, and I believe they are refusing to correct the inaccuracies on my report on purpose.

They did not investigate the inaccurate accounts, instead sent me a letter asking for the paperwork I already sent to them
Consumer complaint received 2021-03-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I originally filed a complaint against all three credit bureaus 2 months ago on this website, in regard to all three credit bureaus not reporting same information on all three for the same student loan accounts. I specifically requested the loans be removed due to this. All three credit bureaus responded by saying that everything has been updated and given loans would not be removed even though which was not request, from my understanding if creditor is not reporting the same on all three credit bureaus then said account has to be removed.
Consumer complaint received 2021-03-02
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: SYNCHRONY FINANCIAL (NC)

Synchrony Banks - Cards - Rooms to Go -XXXX XXXX  XXXX XXXX Discount Tires XXXX XXXX XXXX XXXX Synchrony Bank closed both of my accounts destroying my credit. both accounts and Rooms to Go and Discount where current. They closed my accounts without notice and for no Reason. The XXXX XXXX XXXX  has on file over Synchrony Bank which include over 5,000 complaints again the bank. They will not answer any questions from me. They gave me no explanation for why they closed my accounts.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

On Monday XX/XX/XXXX at XXXX XXXX ET I called American express to see about changing my current card to a different american express card that I had received an email offer on - the new card I was being offered was a XXXX card and my current card is just an Amex card without any other affiliation. I was told by the person from Amex that I spoke with that I could not swap the accounts over the phone - i needed to apply for the new card and if i was approved I could call Amex back and cancel my current card. Since I was charged an annual fee on my existing card of {$550.00} in XXXX of this year, I asked what would happen to that fee? I was told by the representative from Amex not to worry, that my fee would be prorated and I would receive a statement credit for the balance of the year that I did not use the card, based upon the day that I called them and cancelled my existing card. 
I applied for the XXXX card later that night on the 1st and was approved. I received the new card in the mail today and called Amex XXXXonight XXXX XX/XX/XXXX ) at XXXX XXXX ET to cancel my existing card. I was told by the representative tonight that my annual fee was lost and that I would not get any credit for the prorated portion of the year that the card was not active. I asked to speak with a supervisor and was told that I could not and that they would try to have someone call me back. 
This seems like a complete bait and switch.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (NJ)

I submitted a complaint with the cfpb last XXXX. In the complaint i explained that the debt was not mine and for them to show me proof that it was mine and I was requesting validity. They responded on a reply they were sending proof of validation which I never received. I then sent them a certified letter on XX/XX/XXXX XXXX requesting to send me proof with a signed contract, my most recent purchases, and how this bill came to be if they claimed they owned the debt. I have since gotten no response and the item still remains on my credit reports. If they can show me certified documents within 30 days of my request please have them upload their proof, if not then this to be removed off my credit reports immediate. Furthermore, I have not only attached proof of my certified request, but also a settlement that was made on this claim in 2018 with Client Resolution Services which was for {$300.00} and XXXX XXXXXXXX XXXX XXXX  XXXX marked the account settled on my credit report. All I want is for this entry to be deleted so I can get on with my life. During these times for a company to continue to harass you over something that they cant even claim I owe them is disturbing.
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert A. Schuerger Co., LPA (FL)

Recieved debt collection letter on XX/XX/2020. Sent a debt verification letter on XX/XX/2020 by certified mail within the 30 days disputing that I owed the debt and requesting verification of the debt. Company recieved debt verification letter which was confirmed by USPS certified mail, but they never sent verification documents. In XXXX they reported to XXXX  as a collection. This is against the Fair Debt Collection Practices Act as collectors need to send proof of debt if requested before continuing collection on debt including reporting to credit bureaus.
Consumer complaint received 2021-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Company did not verify account upon my request. Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number. 

XXXX
Consumer complaint received 2021-03-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Multiple failed attempts at resolving the payoff of my mortgage. Customer service has been caught in multiple lies and fail to resolve issue. 
We purchased a home in XXXX, OK in XX/XX/XXXX and our mortgage was originally established with XXXX. My Account number is XXXX. We sold our home and closed on our mortgage on XX/XX/XXXX. The payoff was wired to Loancare and received the following week. The very same week they allegedly distributed the real estate taxes to the County. In addition the taxes were paid at closing with funds from the sale. This created a deficiency in the escrow that was not accounted for at the time of close. When Loancare received the wire they made no one aware of this and held the wire for three weeks until the title company and myself reached out to see why the loan was not considered paid in full. They said that the escrow deficiency was the reason that the wire was held because the pay off was not correct in their eyes. As I type this complaint the County has not received the tax distributions that Loancare alleges they have sent. We have asked Loancare to put a stop payment on the tax distribution and accept the wire. Instead of resolving this issue there the wire was sent back. Since then we have contacted the customer service department around 10 times to seek resolution. They still maintain that the taxes have been paid although the county has no receipt of the payment and Loancare can not produce anything indicating that the taxes have been paid. The title company is hesitant to resend the wire until the alleged escrow deficiency is resolved. The only record of payment that the county has is from the title company at the time of close from the funds of the sale. We have had the County on the lookout for Loancare 's tax payment. To date the payment has not been received by the County and Loancare will do nothing to resolve this. The title company is in the process of filing a formal complaint with the CFPB due to the trouble both of us have had getting this resolved. I am turning to the CFPB because it has been two and a half months since I have closed on my mortgage and we still have no resolution. Loancare has sent a foreclosure notice to me for a property that I no longer own. This is unacceptable to put it mild. I am at risk for having late payments posted on my credit report because of my mortgage company 's inability to get this resolved. If they had paid the taxes as they said the county would have received it by now and returned the money. They are lying to me and the title company and we will not suffer for it. In actuality if anything they owe me money from escrow after all is said and done. Please help.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I requested a credit line increase last week, they told me theyll notify me of the decision in a few days in the app. Ive been getting random missed calls throughout random times of the day when Im at work. I tried calling the number the representative answered claiming its capital one and demanding my personal information. Sounded like a complete scam, hes demanding my full social, card number, and DOB and refuses to tell me where hes calling from and why. I called the capital one number on my card, and demanded to speak with a supervisor who told me whoever is calling me is leaving no notes on the account as well but they do see outbound calls going out to my account. Fast forward I got an email from capital one stating they denied my credit line increase request due to not being able to get in contact with me to verify my account. How am I supposed to know who and why someone is trying to contact me if theres no voicemail and when I call in your representatives are acting like theyre running a scam?! Then they tell me to re-apply to go through the same scammish procedures and hope for the best that they call me when Im not at work. I have an XXXX and XXXX credit card and never heard such ridiculous nonsense before. If this is the customer service capital one have to offer I will be closing out my account.