davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

XXXX has not reported to XXXX and XXXX since XX/XX/2022 and XXXX on XX/XX/2022. I contacted the company this morning and spoke to the representative XXXX XXXX XXXX who stated they had a glitch in XXXX and turned off the reporting for all of their customers. As I explained to her, I could understand 30 days to fix a glitch but not four months on non reporting. She stated she was submitting the request so they can in turn report again. If I had not called and asked after reviewing my reports this would have been ongoing.
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Hi, I have a mortgage with XXXX XXXXXXXX, and my loan is serviced by Dovenmuehle. 
For some reason, those people are not able to understand their letters, and since my forbearance came to an end ( XX/XX/2021 ), and I resumed making my payments starting XX/XX/2021, they have been " harrassing '' me with requests of payments that I have already made. 
now has been over 12 months that this goes on, we had exchange of phone calls, emails, and I do not know how to make them understand their letter, and how to read my bank summary of all the payments I have made. I have had XXXX sending them proof of " electronically '' sent funds, but they do not understand it. 
They even ruined my XXXX Score. 
I do not think they are taking my problem seriously, and I think so because when I talk to them via phone they make me believe that they understood the problem, to give them about 30 days, so my problem will get fixed, but then I get an email saying that my account is behind with payments. 
I do not know what else to do. 
Please help me! 
XXXX XXXX
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IN)

I disputed a Charge by XXXX XXXX XXXX and won the dispute. So now XX/XX/2019 I recieve the letter attached stateing that my corporate Credit Card limit is being lowered {$1000.00}. I object. These 2 entities are not related to my personal debt and therefore they have no reason to take my personal credit into account on a business card. 

American Express has discriminated against me personally. I object or they have decided to lower my credit limit due to my winning the dispute with XXXX XXXX XXXX.
Consumer complaint received 2023-02-24
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Rental agency reported amount owed to collection agency. These charges are illegal and were not completed within the appropriate number of days per the Washington laws. 
I have sent emails with all documentation to the original property management team as well as the collection agency and credit bureaus and the company is fraudulently certifying the amounts to be sure even though it goes against the law. The company actually owes me 2x my deposit which is total of {$1400.00}.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ID)

Dear CFPB, - My name is XXXX XXXX XXXX. I have a hard inquiry on my XXXX  credit report from XX/XX/XXXX. Its a fraudulent inquiry. I did not authorize this to show up on my credit report and did not apply for a cfna account. On XX/XX/XXXX I called XXXX and spoke to XXXX. XXXX cancled the application and submitted a request to remove the inquiry from my credit reports. After waiting over 3 months, the inquiry is still on my credit report. I have made multiple attempts to dispute this with XXXX and they are refusing to delete this from my credit report.They told me its off of my report and sent me a credit report that shows the inquiry is still on there. Please assist me with getting this hard inquiry removed from my XXXX  credit report. I also have the same XXXX hard inquiry on my equifax report from XX/XX/XXXX. Equifax has promised to remove the inquiry multiple times. They have already confirmed they recieve the request and its still on my credit report. 

- I already filed a complaint with the cfpb against equifax on XXXX. Both credit agencies responded to the cfpb that the inquiries from XXXX have been removed. I checked my credit report in XXXX and found the XXXX inquiry is still showing on equifax and XXXX. Furthermore, I order my credit report with equifax on XXXX  XXXX XXXX  and its still showing on there as well. I've attached a screenshot of both reports showing the inquiry. Both of these reports are my most recent report. I'd like these to be removed. Thank you for your help. 

Best regards, XXXX.
Consumer complaint received 2023-02-09
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. (UT)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (TX)

This is the Third time I have had to deal with this debt collection company over medical bills. This company refuses to send me a written account of anything I May owe, so I could check with Medicare and verify correctly. Every time I call and remind them of this being against debt collection customer laws etc, all I get is Attitude from reps with no intent of fixing anything. I am thru trying to work with them, and as of this very moment my credit score has dropped XXXX point over accounts I were not even aware of. I was a XXXX patient at the XXXX XXXXXXXX, and was paying my deductibles and co-pays along the way working with my XXXX XXXX Medicare provider to keep account of bills I might owe, so this is totally against rules. I have not seen ANY bill statements from this debt collector as of today, and as far as I know all bills could be less than XXXX XXXX and therefore not qualify for reporting per New Reporting laws this year!
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I am in desperate need of assistance before I lose my home. By no fault of my own my home ownership is in jeopardy. Please take the time to review my case. 

I have three different mortgages that I have been paying for 16 years. They are each in escrow with different mortgage service providers. Chase Bank being one of them. Chase had the wrong tax parcel ID number and sent tax payments for XXXX and XXXX to the wrong mortgage service provider. I called to inform them they had the wrong tax number, and they corrected it. In order to get their money back they raised my mortgage payments by {$630.00} a month. I deem this as completely unfair and fraudulent.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-01
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. (IL)

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (LA)

Today on XX/XX/2023, I contacted Aidvantage by phone XXXX. The XXXX  time I contacted them, I was hung up on as soon as I brought up the fact that I did not give Aidvantage or Department of Education clear and concise, written permissible purpose to furnish my financial information to XXXX, XXXX or XXXX. These institutions are in clear violation of several federal laws including Consumer Financial Information Rule of the Gramm-Leach-Bliley Act via the Federal Trade Commission. 

The second phone call I was told by Aidvantage that XXXX  XXXX or Department of Education gave Aidvantage permission to furnish XXXX accounts on my consumer report. I asked to excercise my right to opt out of my private information being reported and was placed on hold for an extensive period of time. This is also another federal law that these institutions have not complied with and are in clear violation. Please see 15 U.S. Code 6802 ( b ). XXXX  or both of these financial institutions are conspiring to commit identity theft against me.
Consumer complaint received 2023-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (TX)

I am filing a complaint about G.L.A Collection Company Inc. 
I spoke with a collector named XXXX XXXX on XX/XX/23 about account number XXXX. I asked specifically about how to dispute the debt with G.L.A, and XXXX told me to go back to the " original creditor ''. When I asked why I would go back to the " original creditor '' to dispute, he responded " because we work for them ''. This company has no interest in validating this debt as I directly requested, and did not provide any information on their process on how to have a debt validation performed. 

After my repeated requests for debt validation, XXXX XXXX hung up the phone.
Consumer complaint received 2023-03-31
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Had storm damage to my home. My insurance company- ( XXXX XXXX issued a check for {$16000.00} to myself and my mortgage company ( PHH ) I endorsed the check and forwarded it to PHH XXXX XXXX sent me a copy of the check # XXXX showing it was deposited to a PHH account XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. I have contacted the lost draft department of PHH and have been assisted XXXX XXXX she advised she had sent a request to corporate for research but no reply has been forthcoming. I have a contractor waiting for payment so he can order materials to begin repairs.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

There has been constant fraudulent activity from an internal source working at this company that keeps putting fraudulent and personally identifying information on my fraud alerts and my credit report that no credit bureau discloses, that I never gave to them or admitted to, each dispute proves the fraud to be untrue and 3 months later it shows back up on my report. I've had fraud alerts and even a locked report via paid services with this bureau, and that has only proven to be false advertising and yet again, fraud! I've demanded internal investigation into who these employees are that keep targeting me specifically by illegally altering my report and putting information on it that keeps me a victim of id theft even w/ their paid products. I've mailed & faxed in the police report that started this gradual descent into peonage and this bureau fails at what it claims to stand for. This is corporate bullying at best and needs to be exposed as such along w/ a full federal investigation & audit.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

We opened a non-profit savings and checking account with Bank of America at XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XX/XX/XXXX. We deposited {$200.00} in each account. However, starting in XX/XX/XXXX, the bank charged a {$5.00} monthly service fee to each account, causing the checking account to be wiped out and the savings account to only have {$20.00} left. On XX/XX/XXXX, {$5.00} was deducted from the savings account. Despite being a non-profit, we were informed by account representatives that the service fees were mandatory. We are filing a complaint to have the fees restored and the checking account refunded. In light of recent lawsuits filed by the US Department of Justice and Consumer Financial Protection Bureau, we feel our organization is being taken advantage of, similar to other Bank of America customers.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-02-23
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: Bread Financial Holdings, Inc. (LA)

On Wednesday, XX/XX/23 I checked my credit scoring and saw a new inquiry with XXXX, this caused my credit score to drop XXXX points. Most important I did not apply for this, nor did I apply for anything in the last 6 months at least. I contacted Comenity Capital/XXXX about this credit card application on XX/XX/23 and was notified they had nothing connected to my SSN or name. I then filed an online dispute with XXXX which they responded was legitimate on XX/XX/23. I then called Comenity Capital/XXXX back on XX/XX/23. They notified me I had nothing with them, and they could not give me any documentation since I had no account with them. I then contacted XXXX and spoke with them via phone on XX/XX/23 who stated they could not remove without documentation from Comenity. Now I'm in a situation where an inquiry is on my report which I didn't do and have no way to clear it.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have reported to XXXX that my XXXX is XX/XX/XXXX and not XX/XX/XXXX. I have not received any correspondence from them on my behalf. Additionally, they are reporting a collection account that is not mine. I have requested them to remove it after investigating it and they have failed to do so.
Consumer complaint received 2024-02-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (WY)

I am writing to file a complaint against Wise concerning an issue where my account was locked in XX/XX/XXXX, and a subsequent payment issue involving XXXX payouts for my content creation work. 

As a content creator on XXXX, I utilize the platform 's payout system to receive my earnings. In XX/XX/XXXX, I received a payment of {$1200.00} from XXXX, which was sent to the Wise bank account details I had previously added to my XXXX payout settings. However, at the time of this payment, my Wise account had been locked, and I no longer had access to those account details. The only information I possess regarding this transaction is the payment and transaction ID, along with the last four digits of the bank account used. 

According to XXXX 's policy, once a payment is issued, it is considered sent to the bank and can not be returned to XXXX. Should there be any issues with the bank details at the time of payment, XXXX 's protocol is to fail the payment and notify the user to update their bank information. Contrary to this policy, the payment was sent to my previously closed bank details. 

Upon contacting Wise about this discrepancy, I was informed that they had returned the amount to XXXX. This response conflicts with XXXX 's stance, which states there is no policy allowing for the amount to be reflected back to them once a payment is made. 

This situation has left me in a difficult position, as I am unable to access the funds rightfully owed to me for my work. I request the assistance of the Consumer Financial Protection Bureau in resolving this matter. I seek clarification on the whereabouts of my payment and wish to ensure that the funds are correctly credited to an accessible account. 

Thank you for your attention to this matter. I am looking forward to a swift resolution. 

Sincerely, XXXX
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX and I reported a set of fraudulent charges on our BofA credit card to both BofA fraud division, and to XXXX, the merchant who allowed these fraudulent charges to occur through multiple vendors on their site. Initially, BofA agreed and removed the XXXX charges totalling {$1300.00}. We asked BofA to obtain documentation on where these items were shipped to and delivered - name and addresses. We never ordered nor received any of these items. We have had XXXX follow-up XXXX XXXX between XX/XX/year> and XX/XX/year> with the BofA fraud division. Each time they assure us they will get the requested documentation from XXXX. Each time, XXXX XXXX continues to reject our claim without producing the requested documentation. We have also been unable to get this documentation from XXXX, despite several requests. We have a spreadsheet detailing the transactions which are below in document upload. XXXX XXXX