davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (CO)

I have auto payments that are made to Chase Mortgage every month on time for the last XXXX years. The XXXX and XXXX payments were not applied to my account and show received but suspended. No principal has been applied to my account and I assume they are continuing to calculate interest. I also received paperwork in the mail for 'mortgage assistance '. I have paperless billing and do not receive regular mortgage statement paper notices. 

Calls to Chase customer service say that they have not received my full payment due to a calculated 'future escrow shortage '. My principal and interest payments are currently {$760.00} and the payment I have been making is {$950.00}. I have {$420.00} balance in escrow with {$440.00} reported as the balance they require. Taxes were paid and insurance will not be due again until XX/XX/year>. 

I do not have an issue with making an extra amount to cover any escrow shortage. I do not think Chase can fail to apply my principal payments for a small escrow shortage.
Consumer complaint received 2024-08-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

WOW is an internet/cable company. We used their service but never signed any agreement. This was a month to month service for which we used OUR OWN EQUIPMENT. We NEVER gave our social security numbers to anyone in this company nor did we ever authorized this company to access our social security numbers. We changed to a different provider and after switching to the new provider WOW has reported fraudulent collection accounts to the credit agencies. This has caused a negative impact on the credit score. This company illegally breached our privacy by somehow accessing the social security number as well as falsely reporting debt that is now owed. I demand that they immediately remove these false and negative reports.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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. 

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 has violated my rights . Or a 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (MD)

My mortgage has been in forbearance for approximately one year in 3-month increments. At the end of my most recent forbearance in XXXX, I requested via the company 's online portal to extend my forbearance again. The automated system informed me that my request was approved, but that I would be sent further information once my application had been processed. During the entirety of my forbearance periods, I was always sent paper mail communications regarding my requests and approvals, however, for my XXXX forbearance request, I was not notified of changes in my allotted forbearance time of one month. Because all of my other requests resulted in 3-month approvals, and I had not opted for paperless communications, I did not receive the information regarding a 1-month forbearance. I was marked late for XXXX and XX/XX/year>, however, an automatic payment of {$50.00} was taken in XXXX. For my forbearances, I was on payment plans ranging from XXXX XXXX per month. If my application was not approved for the forbearance request in XXXX, why was a payment taken in XXXX, and then not in XXXX? Or, if it was approved for XXXX, why was I not notified via mail? When I spoke to a company representative on approximately XX/XX/XXXX, I was told that communication from the company was not sent via mail, but that it was available in the online portal. Again, I did not request paperless communication, so that information should have been sent via mail, so that I would not be penalized in derogatory marks on my credit report.

I am requesting that the late payment remarks be removed for XXXX and XX/XX/year>.
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (ND)

I opened a home Depot account in XXXX Alabama and they refused my endorse payment coupon. A notice of dishonor on them according to UCC 3-503. HJR 192 states no debts can be paid and must be discharged. I endorsed the coupon with my beneficiary signature and they refused it as payment.
Consumer complaint received 2024-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC (FL)

according to law 15. U.S.6802.Law FRCA Section 605B its is illegal to report information on my credit report without my permission, thank you please remove this from my credit report now., this debt do not belong to me, I Live in XXXX  XXXX XXXX Florida , I never been to a hospital, This debt is costing me hardship and leading me and my family to being homeless, I will like to see photo copy of Identification or driver license and signatures of the medical bill contract with my signature on it.under the Fair credit Act.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NV)

On XXXX I deposited a {$2000.00} check thru Discover Bank 's mobile app. Prior to this deposit I consulted the FAQs so I could determine when the funds would become available. I did not fall into any of the categories for reasons to delay a deposit. I had been a customer more than 30 days, account has never had returned items, and the deposit was less than {$5000.00}. I presumed I would have access to up to {$250.00} immediately, per Federal reserve regulations. This did not happen. I contacted Discover twice on the phone and twice online. All contacts explained the policy and how up to {$250.00} will be made available on the first business day. No one would give me an answer other than, we've chosen to place a hold for XXXX days. Funds will be available XXXX. This is completely unacceptable.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (TX)

I am writing to report that I am a victim of identity fraud involving multiple credit card companies. Unauthorized transactions have appeared on my accounts, which I did not initiate or approve. I have contacted the affected credit card companies to address these fraudulent activities and am seeking assistance in resolving the issue and protecting my financial information XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX  opened XX/XX/XXXX XXXX  XXXX opened XX/XX/XXXXXXXX XXXX opened XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MN)

In XXXX and XX/XX/year>, I noticed I was being charged {$1.00} for a " paper statement, '' from Lowes. I spoke to the Lowe 's manager in XXXX XXXX, MN who said it was Synchronicity Banks 's decision and Lowes had nothing to do with it. Since I had not been notified or asked if I wanted to pay an additional {$1.00} for Lowe's/ Synchronicity Bank 's cost of doing business expenses I called Synchronicity Bank too , and was told they would refund {$3.00} for XXXX and XXXX but they would not send a bill without charging the fee because I could pay my bill on line. I have had a 38 year history in banking and ABSOLUTELY will not be forced to use their on line pay ( unless they want to pay me and agree in writing be held responsible for losses due any hack they might experience. ) So I got a credit of {$3.00} to my XXXX statement which had no balance on it. So there is no way I can redeem my {$3.00} without charging and being forced to go on line or again be charged {$1.00}. I know it's not a big sum, but I refuse to be forced to use a computer to pay ; furthermore, I do not get my discount with Lowe 's unless I use their card. 
I also have an account with them through XXXX XXXX. That statement has last month, an additional XXXX cents charge on it. The statement is for a item that has a set monthly repayment amount on it. 
I did not agree to either of these fees and I am incensed that they, however small, can be charged after the fact and without my consent.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have XXXX XXXX accounts on XXXX and XXXX on Equifax I told XXXX that addresses on the account wasnt my address where I lived so I couldnt have known credit reporting was going to take place or the account was delinquent so I did some digging I discovered that I NEVER LIVED THERE. XXXX told me that they notified they especially if they were sending the correspondence I couldve made a payment on the primary borrowers behalf if I knew my credit was to risk
Consumer complaint received 2024-08-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year>, I closed my checking, savings, and safe deposit box at Wells Fargo bank. The safe deposit box contained a CD for {$30000.00}. When I told the bank I would like to withdraw my money from the CD, I was told that they couldnt find any records on it and was advised to contact Wells Fargo customer support. On XX/XX/year> I contacted Wells Fargo customer support and was they would not be able to help me on this matter. On XX/XX/year>, I filed a complaint with cfpb. On XX/XX/year> I received an email stating that my complaint has been closed by Wells Fargo bank. I have resided at the same address and have the same phone number for over XXXX and was never contacted by Wells Fargo that there was an issue with my money held in the CD.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

I attempted to place a credit freeze online but was unable to do SW. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX XXXX 
XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (MI)

Lockhart Morris & Montgo Inc Their address : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, TXXXXX Charged Collection Charge OFF {$650.00} I never used their service or anyone 's service. 
The charge has not been recognized. 
They simply reported to the Credit Beareu 's Please resolve the issue : Their phone number : XXXX XXXX phone number : XXXX
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (NY)

I am reaching out in regards to a complaint i have with DISCOVER secured credit card that was closed on XX/XX/year> per creditor. 
My account was always paid on time I had a few payments that did not go through when I was out of town because of a safety feature on my bank app. ( Which caused them to not go through sucessfully ) which I presume led Discover to close my account. 
Upon inspection it was documented that a payment for the amount of XXXX $ was processed XX/XX/XXXX direct deposit and Discover does not want to return my money. Every time I go on my app the amount is altered plus the secured credit card was for XXXX $ all in all there is close to XXXX $ owed out to me and when I call customer service I am met with hour wait times and no answers, dropped calls. Very unprofessional. Just shifted from department to department. I would like this issue resolved promptly and my money returned. I feel like Discover can never give me a consistent answer & I would just like my money returned.
Consumer complaint received 2015-08-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XX/XX/XXXX, I submitted a complaint about Nationstar to the CFPB because Nationstar increased my PMI and monthly impound payments by almost {$300.00} per month and could not explain it. They sent erroneous impound statements and could not explain them. The CFPB case number was XXXX ( their XX/XX/XXXX response is in that file, so you already have all the documentation needed ). Nationstar finally responded on XX/XX/XXXX. THANK YOU CFPB! Your presence gave them a reason to care that they actually DID overcharge me by OVER {$2500.00} per year for FHAMIP. However, during the waiting period for them to respond, I kept trying to figure out HOW my impound was short and why I would be forced to pay the escrow " cushion '' since we had JUST REFINANCED with PLENTY of impound money. What I discovered was that they paid {$1400.00} XXXX for my annual homeowners/hazard insurance. I called and was on the phone for XXXX hours on a XXXX call with Nationstar and my insurance company because they could not explain why the escrow statements showed it paid XXXX. Nationstar paid it once in XXXX, then once in XXXX ; however, my insurance company, XXXX, only showed it paid once in XXXX. We learned that Nationstar sent the XXXX payment to some semi-related insurance company in Florida. Then we got on a XXXX call with the Florida insurance company and got the refund check processing started. So the WHAT IS THE NEW COMPLAINT? Nationstar 's XX/XX/XXXX CFPB response adjusted for the incorrect FHAMIP, but they are still charging me a higher monthly payment for a " cushion '' because they think I will be short by {$1000.00} in XX/XX/XXXX when the next insurance premium is due. They over paid my insurance by {$1400.00} and did not account for it in their response or calculations, and now I am somehow short by {$1000.00}??? Coincidence? I think not. PLEASE get them to FIX their mistake and stop overcharging me because THEY CAN NOT DO THEIR JOBS!!! This is nuts! Who else are they doing this to?
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I am writing to bring to your attention a series of fraudulent transactions that have occurred involving my account. My name is XXXX XXXX, and I have fallen victim to a deceitful scheme which has resulted in Fraudulent transfers to accounts held at Wells Fargo. Below are the details of the suspicious transactions : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as a XXXX XXXX XXXX, has a duty to ensure the security of its transactions and protect customers from fraud. I request that Wells Fargo investigate these transactions urgently and refund the amounts transferred. Enclosed are copies of my bank statements highlighting these unauthorized transactions. The fraudulent company, XXXX XXXX XXXX  and used my trust, leading to these Fraudulent transactions. I believed the company was legitimate, but it turned out to be a scam, leaving me without anything. It is distressing to discover that Wells Fargo has account holders who are scammers
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

I called Citi Bank due to not being able to log into my account via mobile app or online portal. They informed me that my account was closed and that they would mail be a check / letter in XXXX. They refused to tell me any information. This was on XX/XX/XXXX. 
On XX/XX/XXXX, I called back asking to speak with a supervisor and they hung up on me. 

On XX/XX/XXXX, I received a phone call from the bank telling me that they suspected fraud on my account in the amount of XXXX. I DO NOT EVEN HAVE NOR EVER HAD THAT MUCH MONEY IN MY ACCOUNT. 

They are stating that I need to submit payment and that my account is closed due to fraud and being overdrawn. When I ask to speak to the fraud department, they hang up on me before they even transfer me over.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Galaxy Capital Acquisitions, LLC (CA)

To address my case effectively, the Consumer Financial Protection Bureau ( CFPB ) should promptly review all relevant documentation and evidence, thoroughly investigate the issues at hand, and ensure that all involved parties are held accountable according to the law. They should also provide clear communication regarding the progress of the investigation and offer guidance on any additional steps I may need to take to resolve the situation. Ensuring consumer protection and upholding fair practices should be their priority.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/year> and XX/XX/year> I had a total of three charges added to my credit card that I did not make myself. I have reported credit fraud to my local banking institution, but I am trying to get these unwanted charges removed so that it does not impact my credit score/report, as well as me not paying for charges that I did not make myself.