davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-22
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This letter will serve as the second formal complaint that you are reporting inaccurate and incomplete credit information on my credit report. In which both companies have responded with the same incomplete result from the original issue I reported On XX/XX/2019. Upon receiving a letter from Capital One dating XX/XX/2019 stating that they are currently reporting correctly to all three bureaus. Also a letter from XXXX reporting a date of XX/XX/2019 and an XXXX report number of ( XXXX ). In which, the XXXX  report does not show my current Capital One Credit card reporting. There is still a major disconnect between XXXX and Capital One. Furthermore, the issue has NOT been resolved! I have attached in this document the original complaint also the new complaint. I would like this issue resolved immediately. The initial complaint was filed through the CFPB. This second round complaint will be mailed certified and filed through the CFPB as well. I am looking to get an IMMEDATE resolution to this issue. I have spoken with Capital One and XXXX both several times and both companies are saying that I need to contact the other company. Due to the fact they are not responsible for this issue. This leaves me in the dark without a satisfactory resolution. This issue has been occurring for over 30days! An  immediate resolution is required at this point.
Consumer complaint received 2016-10-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (MD)

During a security clearance reinvestigation in XX/XX/XXXX, I became aware of a {$400.00} collection action on my XXXX credit report for a debt I do not owe. I had this debt removed from the XXXX report in XX/XX/XXXX and it has reappeared under a different collection agency. My XX/XX/XXXX complaint to XXXX County Office of Consumer Protection and the debt collector response are attached. 

I notified the new collection agency, IC System, that I do not owe the debt and requested proof of the debt. It responded with a nonsensical letter indicating that it intends to continue attempting to collect the debt. No proof of the debt was provided. My letter to IC System and its response are attached. 

I complained again to XXXX County Office of Consumer Protection and it sent a letter to the debt collector to which the debt collector has not responded. My XX/XX/XXXX complaint and the Office of Consumer Protection letter to the debt collector are attached.
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (AZ)

In its " Explanation of closure '' for Case number : XXXX dated XXXX/XXXX/2016 Experian Credit Reporting Agency stated : " On XXXX XXXX, 2016, the results summary was sent to you for review. '' In my Reply dated XXXX/XXXX/2016 I stated, " I checked the mail today ( XXXX/XXXX/2016 ) and still have yet to receive any documents in the mail, summary or otherwise, from Experian. 

As of today, XXXX/XXXX/2016, I have still not received the " results summary '' Experian said it sent on XXXX XXXX. To assist Experian in sending me the " results summary '' to my correct mailing address I provide that address here : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2017-02-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Bread Financial Holdings, Inc. (IN)

Back in XX/XX/XXXX, I received a statement saying that Comenity Bank/Full Beauty charged me an annual subscription fee for an account I had not used in several months. I paid that charge because it was my fault for not ensuring the account was closed, and then called Comenity Bank/Full Beauty to officially close the account. However, in XX/XX/XXXX, I received a statement charging me a late fee, two days AFTER the payment due date. I called Comenity/Full Beauty to complain and was told that the fee would be taken off my account, and my account would be closed. I was told during that conversation that my account balance was zero and no payment was due. In XX/XX/XXXX, the same thing happened. I called again, and again received assurances that the erroneous fee would be removed, no payment was required and that my account would be closed. In XX/XX/XXXX, it happened again, and for the fourth time I called to have my account closed and the erroneous fee removed. THEN, I received notice from my credit monitoring service and Comenity/Full Beauty reported my account two months past due to the credit bureaus. This experience has not only made me highly critical of Comenity Bank, but of ANY business that chooses to use a bank with such poor follow-thru and attention to detail. I would not recommend them to ANYONE.
Consumer complaint received 2015-10-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (CA)

Harris Harris calling us, asking for us to call them. Their # is XXXX. They are a debt collection agency. They do not leave any specific debt we owe. They just give the time for us to call them back during the week. This is their third call. We have not received anything in the mail and we have no outstanding debt.
Consumer complaint received 2015-09-04
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NH)

I filed a dispute in XX/XX/XXXX-XX/XX/2015 regarding disputing late fees and was told I would not be required to make a payment until the issue was investigated. due to this a late pay was marked on my credit while in dispute. This company has been a nightmare to deal with and they DO NOT have a phone number that they provide or is listed to their corporate office which is where each rep I have spoken with states I need to talk with. I have been promised several call backs from their corporate office which have not occurred.
Consumer complaint received 2016-12-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (LA)

I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC (CA)

Optio Solutions LLC in XXXX California was contracted by XXXX to collect on an invoice which the vendor XXXX performed inadequate and non-completed work. Optio Solutions LLC was informed in writing twice that their attempt to collect on an invoice which was for false work. It was communicated in writing to XXXX XXXX four times that their work was incomplete and inadequate.
Consumer complaint received 2015-03-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IN)

After receiving a summons for foreclosure in XX/XX/XXXX I completed the answers within 2 weeks of receiving the summons and had this turned in by the deadline date. I also sent in a request for a settlement conference to be scheduled within the provided deadline. Once that was completed my husband and I contacted the XXXX XXXX XXXX XXXX ( XXXX ) for additional assistance. While working with the XXXX they were able to help me complete my loss mitigation package which was provided to the lender and the lenders attorney on XX/XX/XXXX. Since XX/XX/XXXX I have not received anything in the writing from the lender regarding that package. A lady by the name of XXXX XXXX will call both myself and my husband during business hours when we are not available. My husband and I have both returned her calls and left voicemails of when is the best time to reach us and she will never call during these times. Every time we call her it goes straight to her voicemail, which we then leave a message letting her know when to contact us. The only thing we have received in writing since the loss mitigation package was completed are letters simply stating that XXXX XXXX is our point of contact. I have now been assigned an attorney ( XXXX XXXX ) through the XXXX who has confirmed that the settlement conference has not yet been scheduled and that written contact has not been made and he will now be an appearance on my behalf.
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: United Debt Counselors, LLC (CA)

In or around XX/XX/XXXX, I saw an ad online for help with debt settlement and called XXXX for help. On XX/XX/XXXX, XXXX representative XXXX XXXX came to my house, which I share with my partner XXXX XXXX. XXXX and I had both fallen behind on credit cards. At this meeting, XXXX told us that XXXX could lower our debts by XXXX XXXX, that they are experts with handling creditors, and that they would be in constant communication with us to negotiate down our debt. Based on this, we both enrolled in the program and began making monthly payments. Months passed and it was unclear to us what, if anything, XXXX was doing for us. It was hard for us to connect with anyone when we called and our calls largely went unreturned. Meanwhile, throughout XXXX and XXXX, debt collection lawsuits and default judgments were piling up against us from creditors. Each time we got paperwork, we sent it to XXXX but received no substantive update or response. Agents merely told us they would take care of it. They never recommended getting an attorney or formally responding to the lawsuits. We grew increasingly frustrated with this lack of communication or action. Feeling duped, we canceled our contracts with XXXX in or around XX/XX/XXXX. We received a partial refund of our escrowed payments minus fees and other charges. 

We went to our local legal aid for help and the lawyer helped us get copies of our documents. The lawyer explained the documents show many problems : contract inconsistencies on charges, XXXX did nothing on XXXX account and very little on mine despite about XXXX XXXX and XXXX XXXX of our payments going toward XXXX fees. Also, our XXXX contracts state that they will only begin to reach out to a creditor when XXXX XXXX of our debt balance is in escrow. However, at the rate of monthly payments and the XXXX-month term of our program, it is not even possible for us to save enough money for some of our debts to meet this requirements. It is also our understanding that XXXX is not properly licensed in California to do this work. 

We were set up to fail by XXXX. We paid nearly {$20000.00} dollars to them, with nothing to show for it. Instead we are in a worse position with our debts than when we were enrolled. I am XXXX XXXX old and XXXX is XXXX XXXX old. We are low-income seniors on a fixed income and this has been extremely stressful and harmful to our health.
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for a XXXX card on XX/XX/2016. The advertising for this card promised " apply by XX/XX/2016 to get 10 % back when you use the Card at XXXX XXXX in XX/XX/XXXX, up to {$200.00}. '' I have not been receiving this benefit as promised despite a total of {$490.00} in payments to my wireless telephone service provider, XXXX ( listed in billing as " XXXX '' ). I called American Express customer service on XX/XX/2016 to inform them of this error on their part ; the agent I spoke with verified that I was eligible for the bonus, did not know why I was not receiving the benefit and they said they would " open a case '' and that this would be investigated. I called again approximately 4 weeks later and was told that there was still an " open case '' and that this was still " being investigated. '' I am extremely upset that I was promised a benefit ( which was the main reason I opened the card ) and that your company is not fulfilling it as promised, despite promises it was being investigated and my patiently waiting more than a month and a half for a resolution. I do n't appreciate being blown off like this. It 's time for your company to do as promised and provide me the 10 % back on my wireless telephone payments.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (KY)

After renting from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ky. XXXX for 2.5 years never being late for rent, never being wrote up I received a 30 notice to vacate by the XX/XX/XXXX, no reasons, because when I started living there I was a truck driver and three months after being there I had to stop because of health problems, which made it hard to get a apartment cause I had started getting XXXX XX/XX/XXXX my income had changed, so it took me to the end of the month before I found one, but I did not come back to the premises after XX/XX/XXXX, I went to a XXXX XXXX and stayed a little over a week, put my furniture in storage. I got in the new apartment the XXXX or XX/XX/XXXX did not look back or go back to the other apartment cause of being furious about what they had did. Left the deposit. About XX/XX/XXXX I went online and saw that XXXX XXXX said I had some activity and found a bill from a credit collection agency for XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Ky. XXXX for XXXX one of the bills was for rent of XXXX for XX/XX/XXXX and I had vacated and the other was for late fees of XXXX a constable fee, a clean up fee, etc. I see it as gouging me and extortion for a outrageous amount as you will see on the last rent payment is XXXX which there was a XXXX lockout fee which I thought was overly priced for a key and XXXX or XXXX fee over XXXX utility cap, they were also known to charge XXXX a day late fees for rent, etc. I did not find out about these outrageous fees until after I moved in. My point being is that I never knew about this XXXX charge until I checked XXXX XXXX, I had no chance to dispute before it went to my credit report, I am walking with a cane it wasn't like I was running around in the apartment tearing up stuff deliberately.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

Dear Experian, On XX/XX/XXXX requested a removal of XXXX XXXX XXXX from my consumer report and upload an FTC report with with my complaint on CFPB portal. I got a respond from the collection agency stated that the do not violated the 15 U.S.C 1681 and the regulations are only concern you since you guys are the one reporting this charge off in my consumer report. 
Below is the response they had provided after submitted my FTC report to the CFPB portal with my complaint. I need this account to be DELETED from my consumer report. 


VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX  ) Consumer : XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. As XXXX XXXX states in her current complaint XXXX has previously provided the accounts loan agreement bearing XXXX XXXX signature but did not remove the account from her credit report. XXXX XXXX states that this is in violation of 15 U.S.C 1681. XXXX position is that those regulations are concerning credit reporting agencies ( Agencies ). XXXX  is not an Agency, nor do we publish credit reports. XXXX obligation under FCRA is to furnish accurate account information for a total of seven years from the date of first delinquency to the Agencies. Additionally in her complaint XXXX XXXX stated that this is identity theft. XXXX XXXX provided her government issued drivers license, as well as an Identity Theft Report. However, in order to investigate the claim, we also need the following documentation. 1. Signed Police Report stating ID Theft Our investigation will include, but not be limited to, contacting the issuing Police or Sherriffs Department to confirm their representation of the submitted materials. XXXX XXXX can mail these documents to the following address : XXXX XXXX XXXX ATTN : Compliance XXXX XXXX XXXX XXXXXXXX, SC XXXX As always, XXXX seeks the opportunity to assist XXXX XXXX and are attempting to contact her again. In addition, if XXXX XXXX has any additional questions regarding this account, she may contact our Customer Care center at XXXX so we may attempt to be of further assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX  ATTACHMENTS 4_CFPB Response XXXX XXXX ( XXXX KB )
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

account # XXXX is showing in my credit report with a balance of {$13000.00} and a limit of $ XXXX to the XXXX XXXX XXXX XXXX sincXXXX XXXX. While I did attend the university, I was not in school for the period shown, moreover all debts with the university were settled and had to be settled before I could receive my Diploma in XXXX. The phone number located in the credit report is a non working number, I tried reaching it for more than 3 months without success. This debt is showing only in Equifax and I would like it removed immediately. I have no debt with the XXXX XXXX XXXX XXXX. This debt is fraudulent Thank you
Consumer complaint received 2023-03-17
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

I received a property tax exemption from XXXX in 2021. I faxed in the paperwork to Shellpoint Mortgage back in XX/XX/2021. I was told it would take 7 days to do an escrow analysis to adjust the payment. I have contacted Shellpoint Mortgage several times to resolve this issue and I`m still haven`t received the adjustment to my property taxes and mortgage payment.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (KS)

On the last week of XX/XX/2022 I received a letter regarding a debt that isn't mine. In the past I tried to explain them that it wasn't mine and asked to stop sending me letters but they are doing it again.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CO)

On Friday, XX/XX/XXXX, my fiancee received a check in the mail from the state of Colorado. This was a tax refund check. She mistakenly completed a mobile deposit into my newly opened Citibank account- we had not added her name to the account yet, as we just opened the Citibank account this past month. We moved our combined savings from XXXX ( where the account was in both of our names ) to Citibank ( where the account was just in my name ). 

This was an accident, and when I noticed I was not able to log into Citibank, I called the bank to ask why. I explained the situation with my fiancee on the line, and they let me know the account was flagged for fraud and they were conducting an investigation. I apologized- it was a human error and we have been sharing accounts for years, and I have deposited checks in her name with other institutions before- and they let me know to wait 24-48 hours for a resolution. 

On XX/XX/XXXX, after 48 hours, I received an email letting me know my account was being closed for violating their terms of service. I contacted their fraud department immediately, and they were unhelpful and not empathetic at all, despite my fiancee being laid off recently and Citibank housing our entire savings, money we need for rent, groceries, car payments, etc. I then called customer support, a branch location, and used XXXX to get help and no one was able to help me or tell me the amount of money I had in my account. The only information I got was to wait 30-60 business days for the investigation to end and for my account to be closed, as the closure is still in a processing status. 

I understand that a mistake was made on my end, but it was a {$700.00} check and we can live with that being lost. What we can not live with is having no access to our entire emergency fund for months.
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I received notice from Florida XXXX XXXX/Dovenmuehle mortgage that my loan was being transferred to them for servicing effective XXXX/XXXX/2016 and that my present service provider ( XXXX ) would no longer accept payments. So I stopped payment to XXXX ( cost {$25.00} ) and sent a new mortgage payment to XXXX/Dovenmuehle. When I called a week later to follow up on it, XXXX/Dovenmuehle HAS NO RECORD OF MY NEW ACCOUNT NUMBER!! Even though they printed it on the very letter they sent me. Then, customer service tells me that it will probably take them another week to establish my account! Are you serious? They assigned an account number in the late notice they sent to me but do n't have it set up?? WTH?
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

CITIBank credit card company allows OTHER people to add ANYONE they want to their credit card. My boyfriend ( not married ) added me to his credit card ( he did n't know it would affect my credit ) and now his balance and credit is being reflected on MY credit report without any knowledge or consent on my part. 

All he needed was my NAME. This is absolutely absurd that I did n't have to give consent to become an authorize user. Please fix this policy and prevent CITIbank from being so deceptive.