davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

I tried 6 times to send {$1000.00} international transfer from my checking account in New York to the bank account of my wife located in XXXX XXXX, XXXX. 
All the the time Chase Bank declined, even when I have sufficient funds, immediately blocking also my online access to my account. 
The bank say there was " suspicious activity '', even when I called Customer Service 10 times, spending around 400 minutes on the phone, giving them additional security information about myself, still no avail.
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (FL)

Right before Hurricane Sally, I called to check my insurance. Since my mortgage company pays this, I wanted peace of mind. After inquiring, my insurance carrier said that my flood was canceled. I asked how this could happen, and they looked into this with FEMA. It was discovered that my mortgage company sent a check to FEMA, put a stop payment, and then did this again. FEMA then canceled my policy, which I assumed from the previous seller. I was then forced to get private flood at triple the price. I have asked for help and or an explanation from my mortgage company. They claim it's not their fault, and that's it. Now, my payments have gone up to no fault of mine. They were supposed to handle this with my escrow.
Consumer complaint received 2024-01-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION (PA)

EverBank CDs were opened with maturity instructions entered online. Everbank updated their platform and as a result they indicated that they will not honour the maturity instruction that were previously entered.

1. Maturity instructions can not be called in until the maturity date.

2. Maturitiy instructions can not be entered online until XXXX day after the maturity date. 
3. Default maturity instructions are to rollover into a new CD.

4. If the CD is not rolled over to a new CD no interes will be paid between the time the CD matures and the time the funds are moved out of the CD account.

Everbank made changes retroactively. CD would not have been open if these were the rules when the CDs were opened.

This restriction on when maturity instructions are accepted is not disclosed for new CDs until after the CD has been opened.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I've reached out to the company through numerous phone calls and letters to address this issue. In light of cyber attacks affecting the company and others, I specifically requested the removal of inquiries not linked to an open account from my credit report. I also provided details about several data breaches involving my information. Equifax data breach I received a XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC (TX)

I am writing to address a critical issue related to the reporting of a charged-off account and the failure to provide the required Form XXXX for the canceled debt. As of today, I, XXXX XXXX XXXX XXXX, am explicitly requesting the issuance of Form XXXX for the charged-off account ending in XXXX. 
I am formally requesting the issuance of Form XXXX to ensure accurate reporting of the canceled debt associated with my account, as per IRC Section 6050P. Despite previous requests and the company 's commitment to resolving the matter, the necessary documentation has not been provided
Consumer complaint received 2017-12-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC (AL)

Talked to CFPB previous rep, told them I requested verification of debt from XXXX XXXX XXXX, XXXX and told rep I would put in complaint about debt collector after their response to verification. 

I asked above mentioned collector questions : What amount owed? 

Copy of written agreement that created my original requirement to pay? 

Provide verification and documentation about why this is a debt that I am required to pay. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statue of limitation expires for this debt, how you determined that. 

Does your firm have a debt collection license from my state, city etc. If not, why not? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Please give city license number. Under law do n't you have to have this city license number? 

Stated before and in the verification letter for you to threat this debt as being in dispute and discussion. 

Let me know if you are prepared to accept less than the balance you are claiming is owed. Tell me in writing your offer with the amount you will accept to fully resolve the account. 

In your response letter after me asking for verification you do not acknowledge my rights under the FDCPA in that letter. 

You are not treating our conversation as dispute but a legitimate debt that you have the right to collect under the law. 

Deceptive and unfair practices to collect debts are not allowed. Your name XXXX XXXX XXXX is not a formed entity in the Alabama Secretary of State 's files. No formation place, date and date qualified as a corp, no agent, no agent address which is required by law. 

You have n't proven by your response to me that you even exist nor answer the questions above. 

Account XXXX did n't exist when debt began. 

Resolution : Quit collection of this case. Fine for misrepresentation whoever made up company.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a XXXX XXXX, XXXX 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 to find out I have this now on my list is really XXXX breaking. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.
Consumer complaint received 2024-01-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NH)

On XX/XX/2024 I received an email from Synchrony Bank that my Lowes Advantage credit card was now going charge a {$1.00} fee to my account for each paper billing statement sent to me starting in XXXX XXXX  To avoid this fee, I had to set up paperless statements. 
I called Synchrony bank to verify that this was true and not a scam email, and they confirmed that it was true. They did give me a paper statement accommodation so that I can continue to get paper statements without the fee, but what about everyone else??!! What about elderly that aren't good with computers or those people with unreliable internet? 

This is not fair to charge the consumer to get a paper statement! I don't feel that I have reliable email to get the notifications of estatements. So many of my emails are caught in the spam filter and put in the junk folder. I would not want to miss paying a bill because I didn't get the email prompt to pay the bill. Further, I hate to click on links in emails because I am worried about spams and fraud. Daily, I get so many emails that are clearly fraudulent wanting me to click on links etc trying to gain access to my computer or whatever. 

I am very hopeful that your agency is able to do something to stop credit card companies from trying to charge customers to get paper statements! The US postal service is far more reliable than internet! With the fees and interest that credit card companies charge for late or missed payments, forcing consumers to only get estatements or pay to get paper statements seems unfair! 

Thank you for your time in reading this.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and am unable to access any of my credit reports. I am receiving multiple calls and letters from organizations on accounts that I have not applied for.
Consumer complaint received 2022-02-19
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. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-04-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Im accordance with the fair credit reporting creditors have violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 second 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my worries instructions.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (IL)

I have a visa card from Elan Financial services and two fradulant charges were posted on my account on XX/XX/year> by a company named XXXX for {$7.00} and a company named XXXX for {$30.00}. I have repeatedly disputed these chargesd and talked to several representatives from the fraud department at Visa and just finished talking to XXXX in the fraud department and they keep promising that it will be taken care of but no credit has been issued to my card as of yet. Elan financial had chnged my card twice to stop this company from posting charges but these charges went through. There were two other charges posted in earlier month and it took me a while to resolve the dispute for those charges.
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC (MN)

I had a payday loan with Cash Central on XX/XX/ that I made an arrangement to pay in four installments. I sent an email request on XX/XX/XXXX XXXX  to revoke ACH Authorization, so no further payments would be withdrawn from my account, which they confirmed the next day via an email back to me. However, the next three payments on XX/XX/XXXXXXXX XXXX XXXX and XX/XX/XXXX all withdrew from my checking account, meaning that Cash Central did not honor my ACH revoke request. I revoked my ACH Authorization, due to my recent filing for bankruptcy. 

On XX/XX/XXXX, XXXX and XXXX, I spoke with three different Cash Central agents on the phone who gave me different information regarding this. The first Cash Central agent I spoke with on the 5th told me that as long as I sent screenshots of the money that was withdrawn from my bank account, they would send me the money back. I did this, however, still did not hear back. 

The second Cash Central agent I spoke with on the XXXX named XXXX told me he would forward it to a supervisor and would reach back out to me. I did not hear back. The third agent I spoke with on the XXXX named XXXX ( who helped me with the pay in 4 arrangement originally ) said that revoking ACH Authorization was only for XXXX days, which I did not know from any of the email correspondence previously about this. 

I spoke with Cash Central / Community Choice Financial on the phone on XXXX XXXXXX/XX/XXXX and I was told that I was previously notified that there was a review that they were doing that was to take up to XXXX business days, however- I was never notified of this in the other three phone conversations I had with agents there.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX  XXXX XXXX XXXX XXXX : {$3700.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX XXXX : {$5300.00} XXXX XXXX XXXX : {$1200.00}
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Finance of America Holdings LLC (GA)

This complaint is a continuation of 3 previous complaints for an issue over the last 18 months. The escrow account is being overcharged first with lender placed insurance now overcharging the escrow account with multiple unnecessary charges. 

Contacted Finance of America ( Lender ) via email XXXX regarding the matter but no response. I was advise that was the only contact available.

Finance of America contracted XXXX XXXX to manage the loan and I need their help in getting the escrow issue corrected. There is confusion about 1 piece of property having multiple buildings on it. Its one address for property taxes, deeds, and insurance. Im submitting additional information.

**What should be happening with Escrow** Insurance Policy Cost {$5100.00} ( 2023 ) Taxes Cost {$3500.00} ( 2023 ) Total Escrow Requirement {$8700.00} Escrow Payment Requirement ~ {$720.00} Mortgage Payment ~ {$2400.00} or less. 

**What is currently happening with Escrow XXXXXXXX XXXX  Escrow Charges {$5100.00} Additional Coverage $ XXXX XXXX Tax {$3500.00} {$5100.00} Homeowners Insurance {$5100.00} Wind Coverage {$19000.00} Total Escrow Requirement Escrow Payment Requirement {$1500.00} Mortgage payment {$4000.00} **Note : Wind Coverage is included in the property policy. 

Original Closing Attorney Contact XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, GA XXXX Attachments : Security Deed ( See Exhibit A and Schedule 1 only parcel XXXX ) COI ( Proof of coverage for entire parcel XXXX ) Tax Information ( Taxes based on 1 parcel XXXX ) Escrow Analysis ( Loan # Included ) Arial View of Property from Appraisal includes everything on Parcel XXXX
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2023, I placed a small online grocery order with XXXX XXXX with a final total of {$49.00}. 

When the XXXX driver, XXXX, arrived with my 6 items in a single bag, she alerted me to the fact that the cashier also charged me for another customer 's order by mistake. I didn't know the amount of the transaction at that time ( {$180.00} ) since the receipt I was sent via email only showed the {$49.00}, but I was optimistic that it would be resolved. Unfortunately, that was not the case. After a few days, the charge was still there. 

So, on XX/XX/XXXX, I called XXXX XXXX and opened case # XXXX. I explained the situation and they said it would be resolved in approximately 7 business days. When that time passed, I saw it was still not resolved so I disputed the transaction with my bank ( Bank of America ). I provided a copy of the email receipt showing the {$49.00}, and I awaited their decision. 

When I checked the status via the B of A mobile app message center, it said the case was resolved. Then, on the evening of XX/XX/XXXX, I opened a letter including a copy of a receipt for {$180.00} and case notes stating that XXXX XXXX disputed my dispute, and that I authorized the transaction -- which was false. 

Next, I called XXXX at XXXX on XX/XX/2023 at XXXX PST to confirm what their records reflect, as they are the company that delivered my items. They confirmed that I did not receive or order items other than the {$49.00} worth of items I actually ordered. 

After my call to XXXX, it occurred to me that the entire discussion with the delivery driver on XX/XX/XXXX was captured by my XXXX camera doorbell! 

So, after locating the footage, I sent a link including my ring camera footage to B of A 's XXXX ( XXXX ) Help page last night -- along with a full explanation of what occurred and that XXXX XXXX is incorrect. In that message, I also implored them to please review the XXXX camera footage and/or reach out to XXXX, as my account with them confirms that I am not responsible for the charges XXXX XXXX is attempting to hold me accountable for. 

I further added that XXXX XXXX uses XXXX to fulfill and deliver their groceries. Therefore, XXXX can also assist with tracking down the person who owes the {$180.00}, and who did receive 43 items on XX/XX/XXXX, which is the day when I only ordered and received 6 items. XXXX, the driver on my ring camera footage, was the same driver who delivered my order to my home, and the large order to the other customer 's home. 

In my private XXXX message to B of A, I added that I would follow up via phone, to confirm my correspondence had been received, as I am concerned that this will impact the available funds in my account.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I bought 2 time for items from Online Store name is XXXX, One time was going to return whole thing because i wasnt happy about the merchandise and they said, i will give me refund and keep the items.. ( I don't even remember what I got ). 

And a couple of monthy later I ordered like small kitchen stuffs, phone charging cables, plastice stuffs to use at home and I didn't revice the packages. 

I tried to call or chat XXXX but never success to talk to customer service, so I disputed with my credit company and submitted dispute letter but it went through charged to my account. I talked to serveral times and faxed and sent dispute letter. 

Please help.
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AK)

I got gifted a gift card from American Express and I cant use it anywhere. I tried to call/email American Express themselves and they say it should work and that I need to call the business that Im trying to purchase with to get them to help. Dont waste your time and have your money useless, DO NOT BUY AmEx gift cards.