davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Schachter Portnoy, L.L.C. (NJ)

Case number : XXXX This is a follow-up to the previous complaint against XXXX XXXX XXXX and Schachter and Portnoy ( the collection attorneys ). I was in touch with my son, XXXX, the original signer of this loan and the one who was paying this loan through XXXX for many years. He called XXXX XXXX XXXX of the Firm of Schachter and Portnoy and left a voice mail and never received a call back. He attempted on several occasions to reach out to XXXX XXXX but to no avail. This is his loan and he is willing to pay it back, but the creditor needs to be in touch with him, not me. I have provided everyone with his phone number and address and he called and left his phone number for XXXX XXXX to reach out to him and he received no return call. It would be appreciated if this matter would be resolved immediately. 
Very truly yours, XXXX XXXX XXXX
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Shellpoint Partners, LLC (CA)

I have been current on my 1st mortgage for years. However, my 2nd mortgage, which was initially included in a bankruptcy in XXXX, resurfaced demanding payment. I questioned the lender to no resolve. Eventually it was charged-off and sold to a debt collection agency. They tacked on additional fee 's almost doubling the original {$12000.00} debt. Again, questions and back & forth but no resolve, so the new higher amount was charged-off and sold once again. This new debt grew again, and I questioned and disagreed, so once again it was charged-off and sold yet again. But little did I know, it was also listed as a " Short-sale - with multiple late 's '' on the XXXX Originator database, then charged-off and sold. Finally after this last sale, the debt had reached almost 3 times the original amount. I was finally able to negotiate and the debt to have it settled for less than the original amount paying the final agreed upon amount officially closing out the debt. Now, I discover, that XXXX of the debtors, listed the debt as a " Short-sale Mortgage '' in XXXX XXXX ; only after I had made an offer on a property and in Escrow. This never showed up on any of my credit reports. ( This was extremely disheartening to XXXX, after months of house hunting ). My Realtor informed me that I would have to wait " 2 years '' to be able to purchase a property, and I had to withdraw my offer and cancel the escrow. This feels like unfair practice and deceptive bargaining. I am only requesting that this " Short-sale with multiple late 's! '' be removed from my Escrow investigation XXXX XXXX XXXX XXXX or any other Escrow tool now, rather than me wait for 2 years being penalized for this method of doing business.
Consumer complaint received 2024-01-25
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

IN XXXX CAPITAL ONE WAS INVOLVED IN A DATA BREACH THAT CAUSED HARM TO MY LIFE. I HAVE SPENT COUNTLESS OURS AND MONEY TRYING TO REPAIR MY CREDIT SINCE THEN. I MAILED IN A REIBURSEMENT APPLICATION ALONG WITH A STATEMENT ON XX/XX/XXXX. IN WHICH THEY RECEIVED ON XXXX XXXX XXXX. I HAVE YET TO RECEIVE A RESPONSE
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a Capital One 360 checking account online on Sat, XX/XX/XXXX and deposited a check from my daughter ( who lent me the money ) on the same day. The check was cleared. Transaction posted XX/XX/XXXX ; fund available on XX/XX/2012 as it said on my account ( See " Checking Account '' attachment ). However, on XX/XX/XXXX I received email from Capital One Services 6x ( each email with only a few minutes apart ) stating " Problem with your e-mail. '' ( See " Capital One Service '' attachment ). On XXXX, Customer Security sent email to me stating my account is restricted ( See " Customer Security '' attachment ). Without the least courtesy to contact the customer, Capital One went ahead and blocked me from making ATM withdrawal. I could not order a checkbook from my account either. Yesterday, XX/XX/XXXX, I called the phone # listed in the email sent from Customer Security ( XXXX ) and also the phone # listed in my checking account ( XXXX ). I was put on hold x 30 minutes each time without receiving assistance. I tried to leave voicemail, only being told by the answering machine there was no space available to leave voicemail. 
I called the # for new customers # ( XXXX ) two times ( the second time with the management team ) only to be told that " you have to be patient, my hands are tight and I can not help you at the moment. '' Both phone # XXXX and XXXX are non-human phone # 's. I requested the customer service management person to close my checking account and return the {$300.00} back as the check was cashed, but he denied of my request. 
This is the most horrible banking experience I 've ever had within the past 24 years banking in the United States. There is no Capital One banking center close to where I am residing and I can not get to speak to a human who can help me to resolve the issue. Therefore, I 'd like to file this complaint to request the Consumer Financial Protection Bureau help me closing my checking account and getting my {$300.00} back. I also would like other readers/customers aware of the level of customer service Capital One is providing to their online customers.
Consumer complaint received 2016-06-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (FL)

I receive a letter from a debt collector and I told them it was the incorrect person. The person that owe and myself do n't have the same ssn in which they confirm. After saying they were going to address the issue I aske for something I writing which they claimed they ca n't produce. A month have passed and I received another letter about the debt
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

I am writing to formally dispute a questionable and unverifiable debt entry on my credit report, associated with an account I have never authorized or engaged with. The entry in question is linked to CBE Group for a supposed Charter Communications account, which I assert is a mistake or a case of mistaken identity. 

**Details of the Disputed Entry : ** - **Service Provider : ** Charter Communications - **Collection Agency : ** CBE Group - **Reported Account Date : ** XX/XX/year> - **Amount : ** {$320.00} I firmly state that I have never opened an account with Charter Communications nor authorized any transactions that would link me to the aforementioned debt. The appearance of this account on my credit report is erroneous and is causing undue harm to my credit score and my ability to secure future credit. 

Given the above, I request the following actions to be taken : 1. A thorough investigation of the disputed entry by CBE Group for Charter Communications, as per the regulations governed by the Fair Credit Reporting Act ( FCRA ). 
2. The immediate removal of this incorrect entry from my credit report with all the credit reporting agencies, should there be no concrete evidence substantiating this claim. 
3. Provision of all documentary evidence that supports the validity of this account, assuming such records exist. 
4. A written confirmation sent to me acknowledging the receipt of this dispute and updates or results of your investigation.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (NV)

I have sent principal curtailment payments numerous times over the past year to my mortgage company along with letters instructing them to apply the full amount to my principal. They have refused my requests and specific instructions to apply my principal curtailment payments to my loan principal, and have taken it upon themselves to apply my principal curtailment payments towards my regular monthly mortgage payments, against my wishes. I have spoken to them numerous times over the telephone this past year and I have been told that they would correct their mistake, but they never have and they keep doing the same thing every time I send them a principal curtailment payment.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

This complaint to COMENITYBANK/WAYFAIR for allowing inaccurate information and fraudulent account on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

This morning I looked into my bank account to discover I was XXXX dollars overdrafted, and the reason for this was XXXX and XXXX rides. I contacted my bank representatives and was told by the man I spoke to that the reason this happened was because when the service is requested, the money is withdrawn immediately, but then at a later date it is cancelled, then ACTUALLY removed a few days later, so, when I thought I was being careful and making sure all my transactions were going through, they actually were n't. Yesterday I noticed the first overdraft fee ( XXXX dollars ) had been charged to my account and I was alright with that, figuring something like this had happened, but at XXXX dollars I realized something really needed to be done. I do not think I should have to be charged for things that I had been told I have already paid for.
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My bank insists on allowing my privacy to be violated and treat me like I 'm crazy when I bring it to their attention. Three accounts and an I.D . theft e.d.d account have all been grossly violated. No accuracy in statements and or amounts, and they continue to be non responsible for issues they have allowed. They also insisted on breaking apart my checks into " what they would allow me to have at once '' chunks??
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

I recently applied for financing and was sent a copy of the credit report agencies that submitted information, the company XXXX XXXX XXXXnexis lexis. After reviewing the information I noticed they have reported on a financing request I made, however there is actually no financial information included in this report. I have since requested my file be either deleted or frozen I received a letter but since then no response whatsoever.
Consumer complaint received 2022-02-12
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-02
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: Experian Information Solutions Inc. (GA)

I opened this XXXX credit card, used it and paid it in full with a XXXX  balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX  who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete XXXX 's erroneous reporting.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I have disputed this information with XXXX/XXXX several times. This account was included into a Chapter XXXX case XXXX XXXX XXXX and discharged back in XX/XX/XXXX. I spoke with a rep call XXXX ID # XXXX. He stated he show another chapter XXXX bankruptcy filed & in XX/XX/XXXX he can add the debt to. Why are you adding a discharge debt to a current bankruptcy? 

XXXX/XXXX XXXX .... {$200.00} as of XX/XX/XXXX XX/XX/XXXX Petition for Chapter XXXX Bankruptcy. {$200.00} written off. {$200.00} past due as of XX/XX/XXXX.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (GA)

SOUTHWEST CREDIT SYS is attempting to collect a debt I do not owe and I refuse to pay this debt because I have no contractual obligation under federal law to pay it. Selling this information to XXXX is a violation of my consumer rights under the Fair Debt Collection Practice Act which debts have to validated as accurate before being able to collect and furnish the information. Doing this before I had a right to dispute it is unfair and also a direct violation of my rights.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (GA)

I had Amex Delta Sky Miles card and carried AMEX Cards since XX/XX/XXXX, with excellent credit On XXXX XXXX, I was one day late and charged with {$35.00} late fee ; request waiver. On XXXX XXXX, spoke to Amex supervisor, a combative lady ( XXXX ) and not customer oriented. We get into to words and I closed my account on XXXX/XXXX/XXXX. I paid all charges except late fee. 

. 
On XX/XX/XXXX I spoke to XXXX of Amex, she told me she would waive the charges since I am AMEX member since XX/XX/XXXX in good standing. 
AMEX STARTED HARASSING ME NOW On XX/XX/XXXX, Amex sent me a statement for {$27.00} ; it is for late fee & interest charges On XX/XX/XXXX, Amex sent another statement. New balance is {$55.00} ( Previous balance was {$27.00} plus another late fee on top of first late fee {$27.00} plus interest of {$0.00}. ) On XX/XX/XXXX, I called spoke to XXXX XXXX at AMEX XXXX office. She agreed to waive all late fees, and balance will be XXXX. I spoke to her Supervisor complimented her. 
On XX/XX/XXXX, Amex sent another statement. New balance is XXXX. ( Previous balance was XXXX ; plus another late fee on top of twoo other late fee of {$54.00} plus interest ) On XX/XX/XXXX, I called Amex, XXXX ( ID # XXXX ) agreed to investigate charges. 
I hereby request that AMEX should hold their word as their Supervisor says and waive the late fees on top of late fees. 
There is two issue here : 1. Amex is not customer friendly ; for one day charging late fees 2. Amex supervisors promise/word donor mean anything. There is extensive communication break and we Customers suffer. I have the names and dates I spoke to the Amex Supervisors, and no action taken to date. 
I wonder why Amex losing Customers and XXXX account?
Consumer complaint received 2015-10-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland Credit Management , Inc. contacted me about a debt I do not owe. I never had any business with XXXX, which they claim is the original creditor. 

I sent them a cease and desist letter via certified mail on XXXX XXXX, 2015 demanding that they have no further contact with me. 

However, on XXXX XXXX, 2015 they sent me a letter stating that I indicated I was being represented by an attorney. I never indicated that I had legal representation ; I only copied a friend of mine who is an attorney for her own interest. There is no attorney/client relationship between us.
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Synergetic Communication Inc (GA)

On XX/XX/2024, I was contacted from this number by XXXX, they didn't leave a voicemail. So I called back and when going through the waiting process, there was no mention of the company nmae. So I waited till an associate came on the line and asked why I was contacted. They did not disclose any information. So I ended the call and called in again, spoke to another associate that told me they were looking for me and ir was a business matter. I said okay so what is this about you contacted me. They wouldn't provide any information and it final took me asking for the company name to know they were from Synergetic Communications , Inc. Then I called in a third time to them and it took speaking to another associate, where I was able to get answers. But it took him along time to provide me with answers into what is going on after I provided my name, address. And he repeatedly asked me if I had a different number as they keep files under phone numbers instead of the debtor 's name. So it took him reaching out to someone else and using my dob ( date of birth ) to get what the debt was and what it was about. I asked them to send me provide of the debt to the address that is attached to the debt to send an letter of proof for the debt.
Consumer complaint received 2020-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I opened this XXXX credit card, used it and paid it in full with a XXXX  balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX  who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete XXXX 's erroneous reporting.
Consumer complaint received 2016-10-07
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am extremely disturbed with Bank of America. They refused to review my loan for a modification review. I provided all the documents so I can be review, however ; they are just prolonging my loan so I can keep falling more behind. I tried to offer a settlement but unfortunate Bank of America stop offering settlements since XXXX 2016. Bank of America requested proof that my loan was not eligible to refinance before I can be offer a modification.Bank of America does not want to used the information I provided which is proof that my loan was not eligible for a refinance. This is not acceptable because I have tried to negotiate many times with Bank of America and they keep turning me down. I really dont want to end homeless specially at my age. As a homeowner I have my rights and I honestly I believe Bank of America is doing all they can to deny my loan for any assistance.
Consumer complaint received 2015-10-03
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (GA)

XXXX American Express Card # s ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. Court of XXXX county court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with Amex in official court settlement. I have sent XXXX County Court Order and Settlement Agreements of Company with Amex to all 3 agencies, namely XXXX, XXXX and XXXX but they fail to delete these cards stating that one on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and Amex is reporting it improperly or credit agency do not care. This is my 10th or 11th time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I went to a fraudulent school and was lied to about job placement, entry level salaries, and loan information. I was told I would receive career assistance and never got any and was told about jobs that were on XXXX. My school closed and was renamed and nothing was said or done. There are several articles that revealed my school 's fraudulent tactics and the problems with the accrediting agency. I was sold a faulty product and was deliberately lied to in order to enroll. I have never found a job in my field of study and struggled to pay my loans for over 11 years. My life was ruined because I was fooled and chose to go to this school.