davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I was using Chase atm located on XXXX XXXX in XXXX Texas XXXX on Saturday at XXXXXXXX XXXX I proceeded to said ATM and inserted my card put pin in and choose cash deposit ATM asked me to proceed with entering my cash as I entered the cash by hand the ATM proceeded to close in order to count money I could hear the ATM making robotic noises then a redish Marroon prompt popped up on the screen stating there was an error with a number attached. The prompt stated there was an error and in order to secure my deposit I needed to call but when I called there was only automated services and I could not get to a human representative I been waiting since Sunday XX/XX/XXXX with no answer to my problem I understand there is a ten day investigative period but that was all the money I had I have XXXX kids and no money to live on a daily basis iv contacted chase and they just keep saying there looking into it never happen to me ever before for forty years I need help with this situation it's stressing me beyond the point
Consumer complaint received 2023-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DTA GROUP LLC ()

I deposit money with dta group first I invest XXXX dollar and then I invest XXXX dollar the reason for again deposit the money was that they make promotion for new year if someone invest XXXX dollar they get XXXX dollar as a bouns I'm living in XXXX XXXX doing job as a salesman they add me in one group I found there was more then 300 people in that group lot of them r investing XXXX dollar and they get XXXX dollar as a bouns I'm also become greedy and invest with them and I lost all of my money I already report in cybercrime but I can't get any benefit my contact number was XXXX
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

On XX/XX/XXXX I received my escrow analysis for a property I own under an LLC, the loan is serviced by Fay Servicing. I noticed that the escrow analysis was using an amount for the Homeowners insurance which was incorrect. It showed an escrow shortage and increase to my monthly payment which was wrong. I called and advised them that the insurance amount was reduced in XX/XX/XXXX to {$940.00} dollars from the initial {$3100.00} amount that I had paid for insurance at closing on XX/XX/XXXX. The associate said they would submit this information and do a re-analysis. On XX/XX/XXXX I received another escrow analysis, this time instead of reducing the insurance amount, they decided to add another insurance disbursement of {$3100.00}, essentially doubling the escrow shortage. I was astonished at the level of incompetence here. Not only should the shortage not have increased, I am owed a refund for an escrow surplus since I reduced the insurance premium and have been making escrow payments based on a higher premium amount. Fay Servicing has made numerous errors on my loans and never seem to address them timely or correctly.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts 1. XXXX XXXX XXXX XXXX XXXX  this account is being reported inaccurately
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (TX)

My son received a gift card ( VISA ) issued by XXXX. 

Cardholder services and balance inquiries are directed to XXXX After MULTIPLE attemps to access the balance online to find out what was wrong, it was discovered that this card was fraudulently intercepted and used in a foregin transaction. 

Despite this card being in our possession the entire time. My son is out {$25.00}, and this company will do nothing about it. Simply stating that this can not be referred to the fraud department because 60 days was exceeded. 

My son was saving this for later purchase. We had no way to know it was fraudulently used by a bad actor. The card was in our posession and protected at all times. 

RE : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I applied and was granted a construction loan with Wachovia ( now Wells Fargo ) The cabin was being finished with the construction to perm loan and I was notified that XXXX XXXX was not accepting any construction loans and the loan was accelerated. 
I spoke with the construction department and hired an attorney but the loan was accelerated and the cabin was foreclosed.
Consumer complaint received 2023-02-10
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. (KS)

I have submitted numerous disputes to each credit bureau as well as XXXX XXXX XXXX XXXX regarding a credit card balance. On XX/XX/, I sent another dispute with identity theft affidavit and proof to XXXX and each of the other credit bureaus via certified mail return receipt as well as XXXX. XXXX received the affidavit and letter and proof on XXXX XXXX XXXX XXXX signed by an employee at collection at the post office. Per FTC requirements, upon receipt of the FTC identity theft affidavit, a creditor is required by law to block the identity theft related account from the credit report permanently. I called and spoke with a representative on XX/XX/ regarding the FTC Identity Theft affidavit and their violation of FCRA 605B by refusing to block the account. The representative reviewed the letters and information and indicated that they will not block the account at this time, regardless of the requirement by FCRA to have blocked the account by XXXX XXXX XXXX  per the XXXX rule. At this time, the agent hung up on me. Call recorded and recording linked on uploaded document. Experian received the FTC affidavit and information on XX/XX/ and the account is required to be blocked within XXXX business days, which is XXXX
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the XXXX credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXXXXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed {$27000.00}
Consumer complaint received 2023-02-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

After my first husband passed, I paid off XXXX with Bank of America in XXXX and requested the account be closed. XXXX years later, in XXXX of XXXX, I received a letter from BOA suggesting I owed for lender insurance that they purchased without my knowledge, notification, or consent, to cover my XXXX balance HELOC because they could not seem to verify that I had insurance on my home. I have spent over XXXX hours on the phone with XXXX different departments giving them either policy information or phone numbers for our agent to verify insurance coverage on my home. They are now suggesting that I owe $ XXXX before closing out my paid-off HELOC that I instructed BOA to close back in XXXX ( in person at a local branch ). This is clearly deceptive trade practices, and BOA is NOT doing its job on account administration. I am asking that this practice be looked into and stopped to protect other consumers.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

It was fraudulent activity.. my account was opened, deposit accepted, and closed within 48 hours, for reasoning that should have been vetted during the application process when a hard inquiry was pulled against my credit.. 
I want my deposit returned expeditiously. If I wasn't qualified the process should not have made it this far. 

XX/XX/XXXX I applied and was accepted for a secured credit card... 
Upon acceptance nothing was mentioned about last account balances it derogatory accounts, hence I was accepted and not denied. I was only told to make my deposit prior to XX/XX/XXXX On XX/XX/XXXX I made a XXXXXXXX XXXX deposit By XX/XX/XXXX I had yet to receive any communication about the account or deposit, I called customer service. 
( Phone calls included in attachments ) The representative told me the account was still waiting for the deposit to complete, although it was completed immediately by my bank, see attachments. 

I called again XX/XX/XXXX this time the rep could see the deposit, said my account **** was created my card was created and I should receive it by Friday XX/XX/XXXX at the latest. 

XX/XX/XXXX I called again because I could not log in to my online account due to old phone numbers being used for the 2 step verification. A representative helped me update my account **** and login. 
My new account was visible XXXX XXXX XXXX XXXX XXXX rewards XXXXXXXX XXXX  credit limit .... The representative asked if I seen a link to a digital card, I did not, she said it could take a day or two to pop up. 

XX/XX/XXXX I logged into my online account and my new account ending in **** was showing restricted ( see attachments ). I called again... I first told the deposit was never received that's why the account was closed.. after escalating departments I was told the account was closed due to spending usage beahviors that don't meet capital ones expectations... Which was irrelevant because I had yet to receive a card and there was no transaction activity on the account. I was told to contact my bank in regards to the deposit. 
I did so, the transaction was successful and complete according to my bank. 

XX/XX/XXXX same da, I call back only to be told the account was closed due to a previous balance from over 6 years ago.. my deposit will be refunded after 2 billing cycles ( 60days ) and it would be mailed to the address on file. 
I included the phone call dates and timestamps so that recorded conversations via capital one can be recalled.
Consumer complaint received 2023-02-10
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. (GA)

In 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 USC 1681. 

Account name XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the 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 seven 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.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-02-10
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: Accscient, LLC (GA)

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts 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 And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be removed.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear Sir, I am a client in your esteemed bank holding checking account number : XXXX, due to some fraudulent activity my account was closed. That I do not owed Bank of America any money. 
Therefore, I would request you to reactivate a new account to enable me to proceed with future transactions. 

I ensure onward I shall take care and monitor my statement carefully, to hopefully prevent my card being stolen. 

Thank you in advance for your prompt attention to the issue.
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (DC)

I sent a letter last XXXX XXXX, 2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after the XX/XX/XXXX2023. Ive already included this in my previous Complaint & I am including it again., 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

On XX/XX/2023, My mortgage lender, Mr Cooper, cashed my XXXX mortgage payment. They are saying they can't find the payment. 
I have been in contact with Mr. Cooper since mid XXXX to get this straightened out and they have been stalling. Today, XXXX XXXX, 2023, they are again saying I have to pay XXXX again because they can't find what they did with the payment. 
I have submitted copy of cancelled check and bank statement showing payment from my account for XXXX mortgage payment and received by Mr. Cooper. 
They are refusing to credit my mortgage payment and are telling me I have to pay it again. The proof of payment has been submitted from my bank and they are refusing to accept it. I have all copies of cancelled check and bank statements which came directly from XXXX. 
I have attached a copy of the check from XXXX bank but I am not able to attach the bank statement. It's telling me the file is too big. 
Please let me know if you need more information. 
Thank you XXXX XXXX
Consumer complaint received 2023-02-10
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. (NY)

This is XXXX 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. The stuff on my credit report is wrong 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 2023-02-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

XXXX XXXX XXXX PROCESSED my credit card payment incorrectly .... They didn't make a payment instead tried to reload my credit card... You can't reload a credit card ... .. it's not a debit or prepaid card... .The store personnel is rude and threatened to call the police department because I'm asking about my money..This been going on since XX/XX/XXXX XXXX I've made XXXX calls and stops at the store and is being denied service/help ... My credit card company said that they PROCESSED the payment incorrectly... Provided them with the letter an that's still not good enough...
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX 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. The stuff on my credit report is wrong 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.