davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (VA)

I used CMG Financial to help finance my loan for a new primary home in XX/XX/XXXX. My first payment was due XX/XX/XXXX and I made the payment using CMG 's system. Afterwards, I was asked if I would like to use said payment method to set up autopay, and I did. I received an email XX/XX/XXXX stating that I had registered, then another email XX/XX/XXXX stating that I was enrolled in autopay ( attached ). From then on, I did not recieve any other e-mails from CMG Financial. On XX/XX/XXXX, I recieved a notification from XXXX XXXX that my credit score had dropped due to 2 missed payments with CMG Mortgage, despite my autpay being established. I signed in online to find out that the autopay had not initiated and had not pulled any payments. I then had to immediately make 3 mortgage payments, including late fees. Since then, I have continuously attempted to establish autopay from XXXX XXXX XXXX  with no success. Luckily I have been manually sending payments the 1st of every month after realizing autpay is not working. I called CMG to resolve this issue, and they claim to have mailed me letters via standard USPS to my secondary home address 100 miles away that stated the failed autpay attempts and my need to pay the mortgage. I have no such evidence of ever recieving these letters and CMG has no proof that said letters ever reached my home. In addition, I asked them that if their system was able to email me notification of autpay establishment and enrollment, then why would they use a completely separate method of communiation to notify me of a failed attempt for autopay? Especially considering the unreliability of standard USPS to deliver to the right place at the right time and the grave importance of maintaining good credit standing! CMG claims to have sent me a letter on XX/XX/XXXX, but I never found it and have no way of confirming its arrival since there is no tracking number associated with their notification.

Due to CMG 's stubborn resistance to my request to remove the late payments, my credit has been irrepairably damaged. I currently need to move to a new state to help my family care for my XXXX XXXX XXXX grandmother. I have a low D/I ratio, good credit, and make an above average income, but I am forced to live out of my parent 's home or rent until this is resolved because I no longer qualify for a mortgage due to CMG 's technical negligence unless I can produce a few hundred thousand dollars to purchase a new home cash. This is because no mortgage lender will loan to a person who has missed a payment in the last year. I never intended to miss any payments, nor did I have any financial circumstance that would have prevented me from paying. The only thing I did was allow myself to be decieved by this mortgage firm who takes my money without fail, but has zero interest in taking accountability for their faults or properly notify their customers through reasonable authenticated methods.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OH)

I am writing to file a formal complaint against American Express regarding a grievous error in handling a significant payment of {$45000.00}. Despite fulfilling my financial obligations promptly, American Express erroneously reported the payment as missing and subsequently subjected me to unjustified actions, including reporting to collections agencies. This egregious mishap has caused substantial distress and inconvenience to me and my financial standing. 

On XX/XX/24, I made a payment of {$45000.00} to American Express via check by Mail and was CASHED by American Express, adhering strictly to the agreed-upon terms and payment procedures. However, to my utter dismay, American Express failed to acknowledge receipt of the payment and, inexplicably, proceeded to label it as missing. Despite numerous attempts to rectify this error through communication channels provided by American Express, my concerns were blatantly disregarded, exacerbating the situation. 

The repercussions of American Express 's negligent actions have been severe. The false reporting of a missing payment has tarnished my credit history and caused unwarranted stress. Moreover, the engagement of collections agencies due to this erroneous reporting has inflicted further harm to my financial well-being and reputation. 

This incident not only reflects a flagrant disregard for customer care and accountability on the part of American Express but also demonstrates a systemic failure in their payment processing mechanisms. Such blatant mishandling of payments and misinformation dissemination can not be tolerated in any capacity, especially by an institution of American Express 's stature. 

Should American Express fail to address this matter satisfactorily and expeditiously, I will be left with no choice but to explore all available legal avenues to seek restitution and uphold my rights as a consumer. 

I trust that the Consumer Financial Protection Bureau will investigate this complaint thoroughly and ensure that appropriate actions are taken to rectify the injustices perpetrated by American Express. 

Thank you for your attention to this matter. I look forward to a swift resolution and your prompt response.
Consumer complaint received 2023-06-16
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. (NY)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}, {$6100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I opened a savings account with my mother online with Citibank. On XX/XX/2023 we transfered {$100000.00} from my and my husband 's bank account in XXXX to fund the new savings account. Unfortunately, we used my husband 's profile on the app to transfer the money and didn't realized it did not include my name on the transfer. Contacted Citibank in XXXX to see what was the issue since I couldn't access the account. They froze my account and set it to closure because the name on the transfer was not mine or my mother. Explained to them what was the issue, they took notes. 

Contacted XXXX and explained the problem to them. They tried to retrieve the money back from Citibank. Citibank blocked it. Called Citibank again yesterday XX/XX/2023. They still have the account set to closure, but holding to our money. Explained to them again the whole situation, but they have no solution but to wait another month until the situation is investigated. I asked to have the money sent back to XXXX since they got it directly from XXXX, but they refuse. The only solution they are willing to do is wait another month and then send a check to my husband. In the mean time, they are holding my {$100000.00}.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has been putting larger debits due and smaller debits that were to post 2 days prior. By doing that they was able to charge XXXX x XXXX. XXXX transaction was XXXX XXXX XXXX I had a little over XXXX in my account and was going to pull XXXX from another account to cover the difference like I always do. Wells Fargo put the XXXX through before the debits that were supposed to come out two days prior. Resulting in 3 overdraft fees XXXX each. I had other small debits due and direct deposits. I deposited over XXXX but am still overdraft due to the fees and holding back debits to collect fees on every debit. I am working to get my life insurance and other debits to another account. I just need the overdraft payments that were deceptively placed removed.
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (MI)

accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 acct # XXXX XXXX XXXX
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}, {$6100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

Recently XXXX different agencies have lowered my credit limit based on arbitrary reasons. On my Verizon card, XXXX of their reasons is that I had not paid down a sufficient amount on my mortgage. Not sure how that has anything to do with them since I make my mortgage payments on time and, up until last XXXX, was a month ahead on my payments. XXXX XXXX XXXXXXXX just lowered my limit and lowered it below what is owed on the card. I use this card when I have to make repairs on my home so it seems to always carry a high balance. I'm sure I'm not the only person this happens to. If I close a card my credit takes a hit. If they close a card my credit takes a hit. They lower my limit and my credit takes a hit. They shouldn't be able to take any actions unless a customer is not making payments on time or missing a lot of payments and if they continually go over their limit.
Consumer complaint received 2023-01-05
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients.

Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. The account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

Was contacted our company received a grant, we needed to pay the IRS taxes by an electronic money transfer like XXXX XXXX  XXXX for the funds to be released by the government. 
We sent the XXXX} over to the loan officer. 
We found out that she was not a loan officer, there was not grant. 
We contacted both XXXX and JP Morgan Chase, that had the money listed as PENDING but said they would not do anything.

Reported the scam to the FBI, the agency that the person claimed to be working for as well. 
XXXX XXXX was the grantor, but in reality, they did not know the alleged employee nor do they have a grant program as the person claimed.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phillips & Cohen Associates, Ltd. (VA)

I have repeatedly ( 4 times ) informed the caller XXXX XXXX XXXX Cohen & assoc. that there is no outstanding debt to be paid since I settled it with the XXXX company. He has refused to follow up on this information and continues to harass me by telephone as he attempts to commit blatant fraud. This debt was paid in full to XXXX XXXX in XX/XX/23. I confirmed that the account was settled with no remaining outstanding balance owed in XX/XX/23
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (TN)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.