davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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. (FL)

My credit report with Experian contains numerous instances of incorrect information. About 80 % of the information is not mine and has no connection to me. This includes : incorrect names, many incorrect residence addresses, incorrect birthdate, multiple incorrect social security numbers, and a large number of bank and credit accounts that I have no association with and have never opened. At least one or two other people 's information appears to be mixed in with mine. This includes bankruptcies and discharged accounts which make my credit record look terrible. 

Multiple calls to the Experian dispute department have resulted in XXXX action or resolution. I have been calling for over a month. I am currently on my third " case ''. The previous two cases were opened, and supposedly provided to the internal department that resolves data errors. Both cases were closed without any information being captured, and with no resolution to the problem. Each time I call, I'm told it will be 5 business days to fix it and that I'll be contacted. I have never been contacted and the issue has never been addressed. The customer representative can never provide me a status, has never once indicated that the internal department is looking into the matter, and stonewalls me when I ask for an escalation path or for the contact information of someone in the mysterious internal department who i can contact directly. 

Experian 's handling of this issue is utterly shameful. The customer representatives have XXXX information or status they can provide me. They refuse to provide any further contacts to me so that I can check in on the status myself to ensure that the required actions are addressed. And they have opened multiple cases and then closed them without recording any resolution or reason for closure. At the same time that Experian fails to correct their data quality issues and misrepresents my own creditworthiness to creditors with their own misinformation, multiple times a day they are pushing their credit products on me -- a truly insulting and disgusting business practice.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (CA)

On XX/XX/XXXX, I attempted to dispute a transaction followed by a handful more made with my Found debit card linked to my account. The transaction in question was with XXXX XXXX, and I contacted Found to request a chargeback due to XXXX 's failure to provide the services as agreed, resulting in unauthorized charges as they provided vehicles that were not suitable for the work they were intended/hired for until mechanical issues were resolved. I also found it strange that Found had hid the " dispute charge '' option and I had to call them to get them to " unlock it '' so it would appear. 

Despite providing all relevant details and explaining the situation, Found refused to process the chargeback or assist in filing a dispute. They directed me to resolve the issue directly with XXXX, which I had already attempted multiple times without success, and I have reiterated this to them. XXXX has given me the run around in hopes that I simply give up, and I am unable to resolve the dispute on my own. 

I am seeking the assistance of the CFPB to compel Found to process the chargeback or dispute, as they are obligated to assist customers in resolving unauthorized or disputed transactions under federal regulations. My attempts to resolve this through Found 's customer support have been unsuccessful, and I am left without any other recourse. 

I respectfully request that the CFPB intervene in this matter to ensure that Found fulfills its obligations and assists me in recovering the disputed funds.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (MO)

I am reaching out to address a critical matter concerning CAINE/WEINER 's inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations.

I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by CAINE/WEINER is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX I sent a dispute to XXXX, XXXXXXXX XXXX XXXX yet 3 years laterXXXX and XXXX are still reporting it on my consumer report, which is violating my consumer rights. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. 

In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MA)

My complaint is with a financial institution and a credit card bureau. 

I am a customer of Discover Card ( phone ) XXXX ) ( address ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX I applied to Discover Card for a credit line extension on XX/XX/2023. I was told by phone that my XXXX credit bureau report has a fraud alert. I was told to call XXXX and have it removed. I stated to Discover card I did not place a fraud alert on my credit report. I called XXXX credit bureau ( phone ) XXXX. XXXX stated by phone they did not place a fraud alert and they have not at anytime place a fraud alert on my credit report. I made 3 phone calls to Dicover Card and 2 phone calls to XXXX. 
This incorrect mistake can be solved with communication between the two companies.

Discover Card said they won't call or contact XXXX solve mistake. 
XXXX stated they will not call or contact Discover Card to solve mistake. 
I would like this mistake resolved and fraud alert removed from my Discovery Card credit line extension application? This has caused a stop on my credit line extension application. Please contact me about solution Thanks-
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fairway Independent Mortgage Corporation (MO)

This mortgage company has incorrectly listed my house as in foreclosure and subsequently up for auction. This issue has been ongoing since around XXXX of 2022. When we contacted Fairway months ago when this first began, they said they weren't sure how this issue arose but that " they were looking into it. '' We have also consistently been told throughout these months that our mortgage is in fact up to date in Fairway 's system with no reason given for why it has been listed as foreclosed nor why it is listed as " for auction '' on multiple websites ( including popular real estate page, XXXX ). Throughout this issue, our credit reports and scores have also incorrectly reflected a foreclosed mortgage and late payments. Since this issue began, we have had lots of unwanted post-mail, email, phone calls, and unwanted visits to our personal home/residence by strangers wanting to buy our house and/or help with foreclosure. After this began, Fairway told us they hired a law firm to handle our issue. We were in frequent communication with that law firm and Fairway, and the unwanted visits and mailings/calls seemed to decrease for a time ( but not completely, nor was my credit report ever corrected ). Within the last 2 weeks, however, we have been informed by a new/different law firm that they have taken over our issue from the initial law firm we had been working with. We called Fairway to confirm this, which they. Since switching to a new law firm, we have again had frequent unwanted calls, emails, and visits to our personal home. This all has led to many frustrations and fear for our family 's safety at our own home due to the visits from unwanted people. We have also spent money and time on a sign for our yard to further dissuade unwanted visitors. We have spent many hours talking with Fairway and lawyers, yet Fairway continuously gives us the run-around when we ask why this is still an issue and why we continue to have inaccurate reporting to the credit bureaus.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Check XXXX : XX/XX/2013. 
Deposit of a {$3400.00} check from XXXX XXXX XXXX, issued by XXXX XXXX. 

Bank of America placed a hold on the entire check amount. The provided reason was, " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' My subsequent inquiries to the bank were met with a response that the process is automated and can not be manually overridden. 

This is a deviation from my usual experiences with Bank of America, where at least a portion of the funds from similar checks was made available promptly. The hold has resulted in severe financial distress, leaving me without funds for basic necessities. I am now unable to pay my rent and am forced to rely on a food bank for sustenance.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I XXXX XXXX was approved for an Amazon chase credit card on XX/XX/22. On XX/XX/22 I found out my card was closed, once I called chase bank to find out the reason why I was told by account manager XXXX my account was closed so to many recent inquiries on my credit report. I explained to XXXX those inquiries was not made by me and have been dealing with identity theft. I was not treated like a valuable client I was instead basically told thats my problem to deal with. The whole situation of closing my account just seem like a XXXX matter chase decided to do. A person account should not be closed almost a month later after going through all the necessary channels to get approve then being told account is closed down from something that has happen after getting the card and on top of that matter being closed for something I did not do
Consumer complaint received 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (FL)

While in forbearance it was never reported instead it was reported as late. XXXX approved my account to be placed in forbearance in XXXX XXXX and in placed in a XXXX XXXX XXXX starting my payments in XX/XX/XXXX- XX/XX/XXXX none of this was reported instead it been reported as late. While I complied with the XXXX XXXX XXXX and even tried to payoff the house my wire transfers were returned without a reason. An employee by the name XXXX at XXXX did phone me in XXXX to let me know that she received the wire transfer but somehow it was returned once again. I tried to reach out to her but was informed that she no longer worked there, strange. This has ruined my credit and as far as the creditors are concerned my creditworthiness is a below XXXX. Which I don't understand I've done nothing wrong made the payments and even made an extra one for XXXX and XXXX. Will someone please just look at the documents and see that I have been wronged all because someone at XXXX didn't bother to look at the documents correctly. I have uploaded the documents and they don't lie, they are all from XXXX Mortgage.
Consumer complaint received 2024-08-30
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. (TX)

XX/XX/year> A past due charge appeared on my Experian Credit report and lowered my Credit score from XXXXXXXX XXXX XXXX for a loan for {$600.00} with past due amount XX/XX/year>. I tried calling the number provided XXXX. All appears to be a scam. Never heard of this Company. Filed a claim with Experian and they could not resolve the issue. I want proof that this is a true past due claim. 

Experian report # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (DC)

Please refer to my previous complaint : XXXX, submitted on XXXX XX/XX/XXXX. I regret bringing this dispute before the Bureau again. But the Bureau does insist that it wants to discover patterns of misconduct by commercial firms. And New Rez, like the ancien rgime in XXXX or like a XXXX XXXX in XXXX, has shown itself incapable of learning anyting at all, at all. Its wandered off the Rez again. 

Some time-and-motion hotshot must have persuaded New Rez it could fire most of its wetware ; pay the remnant little and train them less ; and then make big bucks by relying on algorithms, formulas, and lines of code. In practice such late-stage capitalism works no better with New Rez in XXXX  or XXXX XXXX XXXXhan with XXXXwhich I also never signed up for yet got bumped into by XXXX XXXX XXXX No actual human being at New Rez answers, returns, or places a phone-call. This holiday extends to XXXX XXXX of the Compliance Department : Despite her performatively contrite letter of XXXX XX/XX/XXXX inviting me to call, she has gone for 4 on calling me back. 

Three minutes of thought by New Rez about the two current, sufficient policies that I and my condominium ( the XXXX XXXX ) have provided to New Rez, followed by three minutes of chat between me and an actual human being at New Rez about the policies, could resolve this dispute without embroilment of the Bureau. 

" If theres one thing I can appreciate about anything I [ transact ] on-line, its a responsive customer-service line. I made five calls to [ a firm ] during various stages of trying out this service. I had some trouble figuring out the site and initially confused the drop-off and pick-up dates, but [ each time ] I was able to get everything sorted out [ with ] a call answered on the first ring.secret shopper for the XXXX XXXX  Yet New Rez must believe , as XXXX XXXX XXXX jested , that thought in general, and chat by one of the few actual human beings left on its meager payroll in particular, are irksome while six minutes is a long time. Therefore, Im obliged to deal with New Rez through the medium of your good offices again.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened an online savings account with Citizens Access which is using Citizens Bank name on XXXXXXXX XXXX  and received a XXXX XXXX cent charge on XXXXXXXX XXXX  that the bank could not tell me where it came from, when I told them to look into it they put my account on hold and said it would only be ten days to review and its been longer than ten days and now they are telling me I can not withdraw my funds and close the account until they are done reviewing. I went as far as to speak to four agents within that time two of which asked for my full social security number and a series of generated questions to verify my identity, not of them said they could verify me with the phone number nor email I opened the account with, I told them at this point I could care less about the XXXXXXXX XXXX XXXX XXXX XXXX XXXX in there after they took XXXX XXXX cents, I just dont want an account with my name open that I have no control over, I just want to close my account and I feel like Im being scammed because I just want to close my account and can not do so.
Consumer complaint received 2023-12-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (WI)

I am a total, permanently XXXX veteran with a VA mortgage with Freedom Mortgage. 
I am exempt from paying property tax in WI. 

Over the course of this past year Freedom Mortgage has acknowledged my property tax exemption status, not charging/billing me for any escrow amounts for property tax in my monthly bill. My monthly mortgage payment had been : XXXX of {$310.00}, XXXX of {$280.00} and XXXX of {$100.00} for Home Insurance, for a total monthly bill of {$700.00}. 

However, just last week Freedom Mortgage sent me letters demanding that I pay them {$1200.00} every month beginning in XXXX of 2024. That amounts to over {$6000.00} over the course of the upcoming year which Freedom Mortgage wants to keep in escrow to pay property taxes. BUT I AM EXEMPT FROM HAVING TO PAY PROPERTY TAX. 

Freedom Mortgage has in their records the official letter / certification from the Wisconsin Department of Veterans Affairs confirming my tax exempt status. But for some reason they are no longer taking this seriously. This exemption that I have never expires. It says so on the certification letter. 

Freedom Mortgage seems corrupt to the core, trying to extort monies or advantages any way they can. Your agency recently fined Freedom Mortgage {$1.00} XXXX dollars for giving illegal kickbacks to realtors/real estate brokerages. 

Freedom Mortgage needs to be taken to task again.
Consumer complaint received 2024-10-13
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding ongoing issues I have encountered with my Bloomingdales Credit Card account which is serviced by the Citibank. 

Every months, I am not unable to access my account online to view statements or make payments. Each time I attempt to log in, I receive an error message that says, " Sorry, it looks like there's a problem on our end. For assistance, please call XXXX. '' I have waist a lot of time and efforts to try accessing my account. I have to use various devicesan XXXX computer, a XXXX computer, and both XXXX and XXXX phonesacross multiple browsers and via the Bloomingdale 's app, but the problem persists across all platforms. 

On XX/XX/year>, after receiving my monthly statement, I again attempted to log in to make my payment but was unable to do so. I contacted Bloomingdale 's Citi Credit Card customer service, and despite following their troubleshooting suggestions ( resetting my password, rebooting devices, uninstalling and reinstalling the app ), the issue was not resolved. I was informed that my case would be escalated and I would receive a callback in 7-10 business days. I find this delay unreasonable, as customers should always be able to access their accounts to view balances, check statements, and make payments in a timely manner. 

While customer service offered temporary solutions, such as sending me a PDF of my statement or accepting payments over the phone, I believe that these workarounds are insufficient. I expect to have reliable access to my online account, which is essential for managing payments, rewards, purchases and tracking packages. 

This is not the first time Ive encountered problems with my online account, and the inability to access my account has caused me significant frustration and inconvenience. I expect a company on being high-end to offer a seamless customer experience. Unfortunately, the technical difficulties and lack of prompt customer service response Ive experienced are far from that standard as they are failing to provide adequate service to their customers by not resolving this ongoing technical problem. 

I would appreciate your assistance in investigating this matter and ensuring that Citi Credit Card which is affiliated with Bloomingdales will provide a satisfactory resolution.

Thank you for your attention to this issue.