davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aldous & Associates, PLLC (TX)

I had a gym membership with XXXX XXXX in XXXX, Texas on XXXX XXXX XXXX that began in XXXX of XXXX. In XX/XX/XXXX, the card I had on file was stolen and I notified the company of this issue. I then moved away from the area due to family matters and did not return to XXXX XXXX after this time. I was never notified by XXXX XXXX that I had a balance to pay or an amount I owed to the company. I was also never notified through the collections agency that they were attempting to collect a debt. I then received a credit notification that I had been taken to collections without my knowledge that a debt was attempting to be collected ( XXXX XXXX ).
Consumer complaint received 2021-12-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Skopos Financial, LLC (TX)

Under the ftc guidelines ( ( d ) Consumer Report 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The company is reporting late payment transactions to all three credit bureaus after the account has been delinquent more than 6years
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (AZ)

I am unable to access my account or money. Simple banking has transferred their accounts to BBVA. They would not allow people to transfer the accounts earlier. They only allowed this transition XX/XX/XXXX, conveniently a XXXX. Now trying to transfer the account results in a system error online. And attempting to contact them by phone results in our system is overloaded and automatically disconnects you. In this day and age this is ridiculous. I can't tell if this is outright fraud or a run on the bank 's money, but basically all Simple/BBVA customers are not able to access their money/accounts/or talk to a company representative. Please fine them, this is a huge class action waiting to happen.
Consumer complaint received 2024-04-01
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I'm not sure of our actual move-in date, but it was early 2019 ( probably the first quarter ). We moved in based on the Landlord 's agreement to repair the carpet damage left by the previous tenants. The damage was in the second bedroom, and it was a discoloration that covered more than half the room. The promise was kept, and the carpet was replaced within approximately two weeks after we moved in. 

After living in the apartment for approximately a year and a half, we found a home and moved out. There was no move-out inspection because of a manpower shortage. We were later billed for the carpet damage that existed prior to our move-in. Just myself and my wife lived there, and we rarely even had company. There was absolutely no damage caused by us during our residency, but we were charged for it after moving out and later reported it to a collection agency, who marked and damaged our credit report.
Consumer complaint received 2023-01-10
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. (FL)

I appreciate your quick response and your decision to eliminate some of the fraudulent accounts listed on my credit file ; nevertheless, I continue to see other erroneous accounts shown on my credit file. I am sending you this CFPB complaint today to ask you to remove the bogus entries you have shown on my credit file once more. I sincerely appreciate the time and work you took to remove some of the things I asked you to remove. However, I discovered when I looked at my updated credit report that some of the things I had previously asked to be removed were still being recorded. On XX/XX/2022, I sent you a dispute letter asking you to reexamine my credit file and have the disputed entries erased as soon as possible. Please erase the following entries from my credit file once more : XXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$10000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX {$0.00}. These erroneous accounts are undoubtedly not mine, and the inquiries regarding me are unfamiliar. Please promptly erase the remaining bogus items from my credit file in accordance with Fair Credit Reporting Act section 605b. A violation of a consumer 's rights protected by the Fair Credit Reporting Act is continuous reporting of the disputed accounts.
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (MO)

Destiny Mastercard run by genesis inc without notice or writing or contacting me, lowered my credit limit, causing a over limit on the card and reporting it to the credit bureaus as over limit. Then wanting a min payment of over {$250.00} threatening late fees and extra interest charges if not paid on payment date. My previous payments have been around $ XXXX. 
I have called them and made contact with them on XX/XX/XXXX and XXXX XXXX. They admit they lowered the credit limit and want {$250.00} payable now, even though I paid {$50.00} on XX/XX/XXXX.
Consumer complaint received 2021-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (LA)

Our refinanced mortgage was issued by a local lender and then resold to AmericaHome Mortgage ( NJ, USA ). The refinance overestimated our annual property taxes by over 25 % ( over {$1000.00} ) and this extra money accumulated in the escrow account. AmericaHome withdrew the overestimated amount but then paid our actual tax, leaving over {$1000.00} in extra cash. On the escrow statement ( datedXX/XX/2021), this extra money disappeared entirely and did not reappear after the correct amount was paid to the city taxing authorities ( shown on the loan statement dated XX/XX/2021 ). Only when we repeatedly called AmeriHome did they find the leftover money that had gone missing and issue a refund check for the difference between the estimated property taxes and the actual property taxes. Similarly, only at our insistence did AmeriHome update the escrow account going forward to change the amount set aside for property taxes to the correct amount and reduce our monthly payments to the correct amount. I fear that customers who are less scrupulous about reading the fine print of their escrow statements and loan statements are at risk of being ripped off by this company since over {$1000.00} went suspiciously missing on their paperwork. Unchecked, this could have gone on every year for the 30 years of the mortgage.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (PA)

Hard inquiries ( XXXX inquiries ) listed below is over XXXX years old and still reporting on credit report and affecting my current XXXX  score. Please remove the followings : XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-22
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 — Problem with personal statement of dispute
Company: Colony Brands, Inc. (IL)

I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Technology, Inc. (CA)

I applied to XXXX XXXX to apply for downpayment assistance on a house that I would like to purchase. Their site recommends certain mortgage companies. I chose XXXX XXXX XXXX. After the income was assessed, they did a credit check. XXXX uses uses Credit Technology Inc to provide credit checks for their applicants. 
When I checked the three credit bureaus, my credit score were higher than the minimum required by XXXX XXXX. 
The credit report that XXXX was kind enough to share with me indicates " XXXX - SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED XXXX - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN XXXX - LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT XXXX - NUMBER OF ACCOUNTS WITH DELINQUENCY FA - NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT SIGNIFICANTLY. 
I have uploaded the copies of the XXXX report and the reports from all 3 credit bureaus. The collection was a collection agency on behalf of XXXX XXXX XXXX XXXX which was canceled in favor of another company. 
The notice was be telephone and I had an automatic debit payment that was not discontinued. I brought this issue to XXXX XXXX last Fall. The website does not indicate any accounts nor billing. XXXX XXXX phone agent was adamant that they do not report to the credit bureau and in fact the notice was placed by a collection agency. The agency did not seem to know when or how it was placed nor how to annul it because they can not see it on their end. Now that single notice disqualifies me from purchasing the last home in my life time. 
I am writing to you for advice on how to resolve this issue with the credit so that XXXX can be compliant with the downpayment assistance programs to help me purchase the home of my choice. 
XXXX and XXXX did not include the collection report of {$330.00} in their reports but XXXX did. I have a single revolving account, a XXXX XXXX XXXX credit card. If I purchase a home, I will have the mortgage payment that will be reflected in the credit report. Please help me resolve this last step towards qualifying for a downpayment assistance program. 

Thank you. 
XXXX XXXX
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

USAA has wrongfully furnished a Hard Inquiry on my credit report. I have already contacted them, and cited consumer laws, but they foolishly said these laws dont apply to consumers only entities. That is anything from true. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general any consumer reporting agency may furnish a consumer report under the following circumstances and NO other : ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or USAA did NOT extend me a line of credit.
Consumer complaint received 2021-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OK)

XX/XX/XXXX. I Called to report lost card and get replaced. They told me 7-10 business days. My app told me XX/XX/XXXX XX/XX/XXXX drove XXXX mile to post office no replacement card in the mail drove XXXX mile Back home XX/XX/XXXX called them back asked what the problem was. So now they tell me my card will be in my XXXX XXXX XXXX the XX/XX/XXXX. They verified address XX/XX/XXXX drove XXXX miles to post office check mail no card drove XXXX miles back home XX/XX/XXXX called them again this time they tell me card wasnt mailed until XX/XX/XXXX, it took them 13 days to put a replacement card in the mail. Then they tell me they received one back saying undeliverable no receptical, its a post office how can it be no receptical. 

XX/XX/XXXX. Drove XXXX miles to post office. No card Called again and again the girl on the other end was of no help. So I asked for a supervisor. After about XXXX minutes this guy comes on the phone saying hes a supervisor. Said he would expedite a card to me but he didnt see where they had mailed one on XX/XX/XXXX. 

XX/XX/XXXX drove XXXX miles to post office no card. Drove XXXX miles home. 

XX/XX/XXXX. Called once again asked for a supervisor instead of dealing with person on other end of phone. She said card mailed on XXXX. Nobody expedited a card to me they couldnt anyway sines its a XXXX XXXX XXXX She told me one was sent but no receptical. At a post office really. I told her if it was not in my mail XXXX XX/XX/XXXX I was going to file a complaint. And here I am. 

This has caused me a lot of stress had to borrow money to pay rent because landlord only takes cash or check. I cant even go to laundry to wash my clothes or pay toll to go see family. It has caused a great hardship on me. I had no way of getting cash from my own account. I told them I really needed the replacement card but I got nothing but a run around. Hopefully you will have better luck. 
Ps they should have to reimburse me for all my time and gas. Thank you
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

On I discovered ( CONVERGENT OUTSOURCING ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

My bank is refusing to work with me on a transaction in the amount of {$260.00} that I placed onXX/XX/XXXX. I signed up for the dating website XXXX and when I attempted to cancel the same day, the company refused to work with me. Im going to keep fighting this as long as I can. 

The dating service canceled my account a week ago. Theres no way I am going to let this go without a fight.
Consumer complaint received 2021-05-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Telerecovery Corporation (LA)

Telerecovery is in violation of 15 usc 1692e ( 14 ). False or misleading representation. Telerecovery are debt collectors using more than one name to confuse the reader and actively reporting on my consumer report as different names. I am requesting date of assigned alleged debt and a contract between Telerecovery and XXXX. Telerecovery stated to contact XXXX Law Firm who they claim is representing for XXXX also. A corporation can not represent another corporation because a corporation is a minor meaning it can not speak for itself. Also no attorney can represent a debt collector nor can an attorney be a debt collector that is a violation of 15 usc 1692e ( 3 ). An attorney is in fact an individual adding himself to an action he had nothing to do with. Individual is separate from the corporation. This is an infringement upon a consumers right to privacy.
Consumer complaint received 2018-02-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I mailed an investigation request to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (MD)

For the past year and half I have reached out to this Comenity Bank for a XXXX XXXX card - They keep missing my whole point stating this is your account we verified it you opened it. Thats not what I disputed - The card was STOLEN and used without my consent! The charges are not mine and fraudulent. They have yet to provide proof of debt validation other than a statement. This provided nothing! That doesnt show someone used my card unauthorized and by federal laws Im protected in this matter. I will now seek legal action if not resolved. They runaround and completely ignoring me is so unprofessional and illegal. You can sent a statement and says there proof. Doesnt work like that in the rights & law.
Consumer complaint received 2021-05-08
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. (LA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. 1 XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2017-12-22
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. (NC)

Equifax is reporting late payments and the account status with XXXX XXXX is still open with a {$870.00} balance and over 120 days late. I have paid this account off in full. I have disputed the issue with Equifax but have had no success.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (WA)

I had a mortgage with Specialized Loan Servicing. It was paid off XX/XX/2021 when I sold the house. I contacted the company in XXXX to ask when they were going to report the payoff to the credit bureaus. They said they had reported it on XX/XX/XXXX. The payoff has been applied to my husbands credit report, but not mine ( patriarchy! ). I sent a message to the lender through the online portal and never heard anything, and now I can not send them any more messages. I filed a dispute with XXXX, but I havent heard back from them yet. XXXX  will not let me submit a dispute because they said I already did ( even though I cant see the results of it ) and I cant get in touch with XXXX.
Consumer complaint received 2020-10-26
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (IL)

I got an Amazon prime visa credit card to get a discount on a book. Was supposed to be the only thing ever purchased on the card for {$4.00}. Then after that I changed it back to my XXXX XXXX card. Amazon on repeated occasions billed the Amazon Prime card without my permission. As of today, a card that has been deactivated for months, Amazon tried to make it as my payment method. I have called Amazon and Chase and neither has been able to figure out how do do this. My credit score is down 100 points or so due to this. I have attached a picture from XXXX CST on XX/XX/2020 showing this.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CO)

We called Rocket Mortgage to inquire about a refinance. 
They told is we could lock in a rate at 2.99 % and our payment would be around the {$950.00} range. We submitted our documents and paid {$500.00} for the appraisal. 

We contacted Rocket Mortgage several times to inquire about a closing date and to get information and we just kept being told we would receive an email with information to schedule our closing ( which we were told we would be recieving $ back at ) After destroying our credit and waiting until the grace period was over to go with another lender, Rocket mortgage calls us and completely changes our mortgage terms even though our appraisal was in a week before and already marked as reviewed. They then say our appraisal was to low and that they can only give us a 20 year loan at {$400.00} more a month then originally quoted and we would be required to bring {$8200.00} to closing. Our appraisal was only {$5000.00} lower then the estimate. They led us on so we couldn't go with another company to get us into the loan they wanted us to have to benefit them and scammed us. Terrible buisness practices.