davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

because of the pandemic, which resulted in a lockdown of the ecnomy my wife was furloughed from her job and my XXXX a XXXX XXXX XXXX was crippled all non essential workers was barrred from leaving their homes.So we made our XXXX mortgage payment and then opted to use the forbearance provision of the Cares Act as we applied for unemployment insurance to help with household expenses.It took 5 to 6 weeks before we heard from the state due to the backlog and faulty system.When opting in the agent for the servicer explained to me that before the initial 90 days period ended if you needed more time to call and communicate that to them which I did and even went on line to fill out the request on their website.in response I got a form outlining a loan modification, something I never asked about or mentioned the days we have under the Cares Act for forbearance have not been exhausted and we are hoping things will turn in the right direction soon.In the meantime Florida where we live has become the epicenter of the virus we need more time because of the uncertainty of maybe a full shutdown again we want to be treated fairly according to the Law.I feel they are trying to pressure us into agreeing to something we do not want.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This complaint is against Bank of America, Credit Card Services. 
On XX/XX/2022 I Mistakenly made a payment twice to my Bank of America Credit Card Visa Platinum Plus Credit Card. The first payment of XXXX was credited to the card. The second payment of {$4000.00} meant to go to my other Credit Card XXXX XXXX Credit Card. 
Using the bank Bill Pay System I made a mistake and payed the Platinum Plus Credit Card. On XX/XX/XXXX I checked my account and became aware of my error. I called and some hours later I was able to reach a representative, who explained that the amount could only be refunded to the bank from which it was paid. That would be XXXX Bank, and that I should expect a refund in a couple of days. 
On XX/XX/2022, I had not received the refund, so again spending an inordinate amout of time I finally reached an agent, XXXX. She explained that the refund required reveiw by that department, which took place on XXXX and it was cleared to be refunded but the refund will take an additional 10 days and I should expect it in my account on XXXX. 
Banks now have the ability to wire funds in hours not days. This is a blantant method of holding payment to the benifit of the Credit Card Company to the disdvantage of consumers. 
I for one will be closing out my relationship with Bank of America and their Credit Card Servicer and I urge others to do the same.
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (DC)

I was sent a letter on XX/XX/2021 from the credit debt collection company. They sent to an address that I no longer live at, and the internet service provider would have no way of knowing that old address. The letter was vague and stated an amount of of money I owed, but I never got notification from the parent company about money owed. 
I attempted to look for any notification, which I never received. The last time I used the internet service would be several years ago. 
After doing some research on the debt collection company a few days later. XX/XX/2021, it appeared to be a scam or unverified company.
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TN)

STATEMENT OF FACTS REGARDING COMMONWEALTH FINANCIAL XX/XX/2020 I received notification about a new collection on my credit report, so I checked the report and immediately sent a dispute about the collection because I had no idea what this collection was about. 

XX/XX/2020 I received notification that my dispute had been updated, so I checked the website and they stated the debt had been verified and updated the debt collectors information. 

XX/XX/2020 I called Commonwealth Financial at XXXX to inquire. 
XXXX answered the phone and I explained that I disputed the charges and XXXX XXXX ( original bill producer now XXXX ( and many other names used by XXXX XXXX ) ) has no right to try to collect the debt due to timely filing rules being violated, therefore forfeiting their rights to collect. I told XXXX that I will be sending them a letter, asking them to stop collecting on the invalid debt ( timely filing for NYS is 90-days ). 
I told XXXX that I had never received a letter from her company notifying me of the debt before it was attached to my credit report on XX/XX/2020. XXXX told me that they sent me a letter XX/XX/2020. 
The date of service for this collection is XXXX ( over 5 years after service I am now learning of this debt owed ). 
I called back and spoke to XXXX, I requested that they send me another letter, since I did not get the first one. 
I called back again and asked XXXX to verify my entire address to make sure they have my address correct, which he did verify, and he also verified that they will send me out a copy of the letter. 

XX/XX/2020 Called Commonwealth Financial again spoke to XXXX, asked if they resent me the letter that I requested, and she told me that they requested an itemized statement, which takes a little longer. I XXXX that I did not request an itemized statement, I requested that they resend the letter from Commonwealth Financial, the one that they supposedly sent me on XX/XX/2020. I informed XXXX that the reason I want the letter from Commonwealth Financial is to confirm they are licensed to collect in Tennessee, and normally the letter would tell me that I had 30 days to dispute the claim for debt. By XXXX 's testimony, they did not send the letter until XX/XX/2020, and they attached it to my credit on XX/XX/2020 ; they did not give me 30 days to dispute regardless of whether or not I received the letter ( which I did not ). XXXX then informed me that she told their legal department about my request for the letter. Nothing else was said other than XXXX informed legal about my request, so I informed XXXX that is exactly what I wanted. I inquired about Commonwealth Financial license to collect in Tennessee and the legality of their actions in whole.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2022 I requested verification on some inaccurate items reporting to my credit report and have not been responded to. It's been over 45 days and it still haven't been a response. I honestly feel like I am being disregarded and ignored. Can you please get to the bottom of this?
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (MI)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify :
Consumer complaint received 2018-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

I have my checking account with Wells Fargo bank for about seventeen years, but I notice in the year XX/XX/XXXX that Wells Fargo had opened about four lines of credit on my name and only one of them had my consent. The problem started when the bank without authorization was doing automatic draft from my personal account and at the same time I was paying my obligation by check as a result the bank has an amount of {$45000.00} taken from my account between the years XX/XX/XXXX and XX/XX/XXXX.the reason because I am complaint at this time is because was to hard to get the bank information even though I visit the branch frequently and I have been in contact with personnel of the bank but I do not see the wiliness of Wells Fargo in dealing with the problem instead they address me to a third party that has nothing to do with the case. I am tired to visit Wells Fargo other locations with not result. in the present I do not have sufficient availability to hire a lawyer, I hope the laws and regulation to provide me protection on issues like the one I am facing now.
Consumer complaint received 2022-02-06
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. (FL)

My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (CA)

Hello dear cfpb I have XXXX XXXX XXXX Credit Card over year and i called to get credit limit increase and my request was declined based on phony fact that i am not using my card. I can not use more then 20 % of my card limit because it will have negative effect on my credit since my card credit limit is only {$5000.00} which is laughable because my XXXX XXXX credit shows i have fico score XXXX and i have credit limit {$99.00} with other creditor. I really think it not fair to not be able to get higher credit limit because i have great credit both business ans personal and i very good income and business revenue. 

thank you
Consumer complaint received 2022-07-25
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-07-04
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2022-02-06
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. (FL)

My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2020-12-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (NM)

I received a letter from Medicredit dated XX/XX/2020 for the amount of {$1000.00}. In XX/XX/2020 I filed a complaint for this same amount from the same company, complaint # XXXX. The account number on the old notice is the same as one of the itemized bills included in this amount and the new notice is another account number but still one included in the amount. Medicredit is trying to collect again on the same account using a different account number. This issue was resolved with Medicredit, I should not be recieving a letter for collection on this same account.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY ASSOCIATES, LLC - This collection is erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611 THIS MUST BE deleted immediately.
Consumer complaint received 2017-12-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX XXXX XXXX reported {$190000.00} with a remark stating loan modifiedon XX/XX/XXXX. This account in question supposed to be a mortgage which I dont have. The property thats been referred to was taken back in XXXX by Bank of America ( principal balance was XXXX ) that was the last time I heard anything about the property. Until XXXX XXXX service appeared on my credit report this month. The company stated to me that the loan was transferred to them by a company named XXXX ( I do not know the company ) in XXXX and I modified the loan in XX/XX/XXXX. I do not live in the property nor do I own the property since XXXX. To my understanding XXXX XXXX XXXX has received and holding insurance proceeds on my behalf which I did not give them any consent to do so. I have requested for the alleged application that I sign to request loan modification which the company is unable to provide.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Experian will not unfreeze my account. i unlocked the account online but they do not provide access to my bank. I entered my credit card number info to pay the {$10.00} and was denied. it is so frustrating.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I reached out to XXXX  XXXX XXXX to remove a late payment reporting because of an error with my bank when my account was compromised. 

On XX/XX/2021 a representative of XXXX XXXX XXXX named XXXX reached out to me via email stating that they have removed the late payment from my account. 

On XX/XX/2021 I sent a follow up email to XXXX from XXXX XXXX XXXX stating that XXXX had not removed it and that each time it is disputed with XXXX, XXXX  XXXX XXXX marks it as verified and will not adjust the late reporting. 

On XX/XX/2021 XXXX from XXXX XXXX XXXX sent a follow up email stating that it has already been removed and they won't report on a request that comes from the credit bureau.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I reached out to XXXX XXXX XXXX to remove a late payment reporting because of an error with my bank when my account was compromised. 

On XX/XX/2021 a representative of XXXX XXXX XXXX named XXXX reached out to me via email stating that they have removed the late payment from my account. 

On XX/XX/2021 I sent a follow up email to XXXX from XXXX XXXX XXXX stating that Experian had not removed it and that each time it is disputed with Experian, XXXX  XXXX XXXX marks it as verified and will not adjust the late reporting. 

On XX/XX/2021 XXXX from XXXX XXXX XXXX sent a follow up email stating that it has already been removed and they won't report on a request that comes from the credit bureau.
Consumer complaint received 2021-05-10
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. (TX)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-07-25
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. (PA)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX-XXXX  ) XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX  XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grow Credit Inc (CA)

On XX/XX/2021 I reached out to Grow Credit Inc to remove a late payment reporting because of an error with my bank when my account was compromised. 

On XX/XX/2021 a representative of Grow Credit Inc named XXXX reached out to me via email stating that they have removed the late payment from my account. 

On XX/XX/2021 I sent a follow up email to XXXX from Grow Credit Inc stating that XXXX had not removed it and that each time it is disputed with XXXX, Grow Credit Inc marks it as verified and will not adjust the late reporting. 

On XX/XX/2021 XXXX from Grow Credit Inc sent a follow up email stating that it has already been removed and they won't report on a request that comes from the credit bureau.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

What happened here is I sent out dispute letters to the three credit bureaus and I haven't gotten anything from them yet. Specific dates are XX/XX/XXXX of 2020. Today is XX/XX/XXXX of 2020 so it's been a month and 20 days or 50 days if you prefer. I believe that is plenty of time to have received anything back even with COVID delays. 

Please have all three credit bureaus investigate for me and send me something back.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SD)

Closed accounts, dates and time. Inaccurate amounts. Late payments reported on accounts that were closed or got closed. Paid accounts or settled accounts still say derogatory. Child support is reported with 3 late payments which is impossible as it is taken right out of my check. The child support is rears and shows a collection account and states derogatory. Been paying on the rears 4 years straight never missed a beat. Only reports negative balance and collection and derogatory, but doesnt report every on time payment. I am denied any types of loans and credit card. Child support should be effecting my credit bureau like it is. I trust u understand. Thank you
Consumer complaint received 2018-05-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX I sent certified mail tracking number XXXX to Experian XXXX. XXXX XXXX XXXX, TX XXXX containing a dispute letter with inaccurate information on my credit report. Experian received my letter on XX/XX/XXXX at XXXX XXXX. I waited for the results which according to the Fair Credit Reporting act the bureau has 30 days to respond with my investigation results. I did not receive any information from the credit bureau. 

I waited until XX/XX/XXXX to check for any results but was met with negative results. 

I then followed up with Experian by sending a certified letter tracking number XXXX on XX/XX/XXXX to the above address which was received on XX/XX/XXXX. 

I have not received any documentation that the letter was received and no information was removed from my credit report. I dont have a copy of the original letter on file but i have a print out of it if the bureau needs to see it to remove the items.