davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SEACOAST BANKING CORPORATION OF FLORIDA (FL)

We closed on a new construction home in XX/XX/XXXX and our home loan was sold to Seacoast bank in XX/XX/XXXX. Our monthly payments through the end of XXXX included an escrow of ~ {$830.00} for projected property tax and insurance payments for a total monthly mortgage payment of ~ {$3100.00}. In XX/XX/XXXX, they refunded some of the escrow to us and reduced the monthly escrow to ~ {$430.00} claiming that was the more accurate projected amount for XXXX, reducing our overall mortgage payment to ~ {$2600.00}. In XX/XX/XXXX, they sent an escrow disclosure document to us for XXXX stating that they had undercollected the escrow by ~ {$8000.00} in XXXX, and as a result of the shortage, our total monthly mortgage payment will be ~ {$4100.00} for XXXX to make up for their error. About {$900.00} of the shortage was due to a large insurance increase which I understand occurred statewide this year and was not necessarily able to be accurately projected or anticipated ; but the remaining ~ {$7000.00} seems it was due to them projecting a property tax cost that was on par with prior years for our lot- when it was unimproved land with no house built on it. Obviously, the addition of a home onto the land in XX/XX/XXXX substantially increased the property taxes, and this should have been EASILY foreseen and projected into their calculations for the XXXX escrow they were collecting for the property taxes to be paid in XX/XX/XXXX. Because the taxes are escrowed to be paid by the bank, we assumed the bank knew what they were doing with their math and projections, and so this red flag was overlooked by us, but it should have never been overlooked by the bank, who is responsible for collecting these payments. We now have to find ~ $ XXXX extra for all of XXXX to make up for this egregious oversight they made so they can recoup the shortage they caused. If we were able to just have paid the taxes directly and not had to escrow them, we would have spent time better researching and projecting for the increased tax cost and accurately projecting the taxes we would be owing, and not underprojecting them by over {$7000.00} due to a bank error of assuming property taxes on unimproved land would be the same the subsequent year when a house was put onto the land, and not putting ourselves in a hole like this for the entire next year. Had they projected correctly, our ~ {$3100.00} payment we had in XXXX would have stood for the year of XXXX, which we would have been able to manage- instead of a {$2600.00} payment in XXXX and jumping to {$4100.00} in XXXX. The error and large unexpected payment increase they are demanding due to the shortage they caused is ridiculous.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I did not authorized Capital One to perform an hard inquiry on my report, if someone try to open a capital one account, please shut down any transaction of decline the credit card. I did not apply for capital one under my name. Please take action and prevent any abuse on my record. Account was reported on XX/XX/ for a hard inquiry. Please investigate this and stop any capital one application.
Consumer complaint received 2023-11-13
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I have been battling XXXX XXXX XXXXXXXX this past year and have had limited access to internet, email, and mail communications. I have notified my bank and requested all communications be sent via text alerts, messages, or calls. I have added every alert I was able to on my accounts. Despite this both my business account ending in XXXX and personal account ending in XXXX ( the latter I have had for over 40 years ) ( And the former for almost 25 years ) were abruptly closed @ 10 days ago without any notification via call text, or message. As soon as I noticed this I called and have been unable to gain access to my transaction history which they have denied me despite the rules state they have to give me access to my closed accounts for 90 days. I have been a customer in good standing all those years, a couple of months ago an older wealthy patient sent me a check for {$10000.00} that he had inadvertently missed some withdrawals such that there were insufficient funds in the account at the time the transfer. But he quickly rectified the situation and Wells Fargo had left a note that they would try to recover the amount again in 3 weeks but apparently tried to recover the funds a week or two early when the patient had just rectified the situation and the monies had not yet posted and the bank claimed to have returned the check to his bank which his bank never received it and it took a few months to sort it all out and get the money rewired to my account. During that period of time all XXXX broke loose with my accounts and despite my attempts at the Bank with my manager who also saw that the bank had said it would retry to cash the check in 3 weeks it then changed its mind and supposedly sent the check back. Bottom line is that when an account is closed I am supposed to have 90 days to access the transactions and transaction history which has been denied to me after these accounts were closed. I am requesting immediate access to my account transactions for the next 90 days.
Consumer complaint received 2018-11-26
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. (MN)

The account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (AK)

JPMCB - Chase Bank is reporting late payments as well as delinquencies when it comes up on my credit bureau 's. This account was paid in full one year before the loan length. I should show a " 0 '' balance paid as agreed but they continue to report late payments.

As per your rules 1016.7 I have never been given an opt-out notice nor have they followed Title 15 chapter 94 Commerce and trade Subchapter Sec. 6802- obligation with respect to disclosures of personal information. They never supplied section 6803 as prescribed under section 6804. I am asking for a complete removal of this reporting to all credit bureaus.
Consumer complaint received 2024-05-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: GVA Holdings, LLC (MS)

Beginning XX/XX/2024, Bright Lending charged feed that I was unaware of. Can not stop payments from my account and the hidden fees are where not clarified! It is current to this day and balance and fees remain the same but were not brought to my attention XX/XX/2024.
Consumer complaint received 2024-05-10
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)

Three collection accounts were reported to the 3 credit reporting agencies, since 2018 ; reporting false information that is mathematically incorrect and fraudulent. The company reporting accounts has a reputation. I have disputed the accounts numerous times over the last XXXX  years, and although both XXXX and XXXX XXXX XXXX were involved with data breaches, releasing millions of peoples personal information. The information being reported by XXXX, XXXX, and XXXX doesnt make mathematical sense, literally. The collection agency continues to report false information each time it updates the bureaus. It is close to XXXX years now - and they will not remove the false information. XXXX, XXXX, and XXXX need to be held accountable also. It is illegal for these agencies to report information unless it is 100 % accurate ; they are not part of the Brand of Family- so they should not be sharing my information.
Consumer complaint received 2023-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC (OK)

On XX/XX/23, I spoke with Amerihome Mortgage and they said they were mailing me a forbearance application which I never received. I called Amerihome back on XX/XX/23 to let them know I never received the application. They said they were going to mail it to me again. I have never received the forbearance application. I'm trying to prevent foreclosure on my elderly mother 's home while I figure out how to get her caught up on payments. I feel like Amerihome is not helping me in this situation.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc. (GA)

I am a victim of identity theft. Wasn't aware of it for years, because of the pandemic. Then several years later when I was made aware, I started trying to dispute my credit, to no avail. I was recently advised that you are allowed to file charges on identity theft regardless of the time frame. 
XXXX. XXXX XXXX XXXX XXXX # XXXX {$3800.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX # XXXX {$570.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX # XXXX {$3400.00} XXXX. XXXX XXXX XX/XX/XXXX # XXXX {$410.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX # XXXX {$3800.00} XXXX. XXXX XXXX XX/XX/XXXX # XXXX {$1600.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX # XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-26
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. (MN)

The account XXXX  XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Consumer complaint received 2024-03-25
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. (MA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MT)

Someone stole my wallet, which had all my debit/credit cards ID, social, and more. It said on chime that I transferred this money on XX/XX/XXXX24 I transferred a paymeenr t of {$4500.00}, and another one for {$220.00}. It said it was sent to someone I have never known but got this persons contact info and he was willing to send it back. Turns out he is not even a chime member so there was no way he could have even accept it and he said he never saw what I was talking about. Then on XX/XX/XXXX I explained what happened to XXXX ( agent at chime ) and she said not to worry because it would be in my account no later than XX/XX/XXXX24. I just called XX/XX/XXXX and they said the night before supposedly I spoke with XXXX  ( XX/XX/XXXX ) so the night of XX/XX/XXXX some on linked a XXXX XXXX  card and took the money out on that but they cant tell me where it is. I have filed XXXX police reports and have hard evidence. He has charged my cards he stole and I found a receipt for my XXXX he pawned. They keep denying my disputes saying nothing wrong has occurred. I have spoken to 2 managers who actually one yelled at me and both hung up on me. I have ticket numbers, police reports, pictures. There is no reason my money that was my tax return isnt being returned or why I am not being hear or listened to is beyond me.
Consumer complaint received 2023-02-21
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC (NY)

I bought a money order on XX/XX/2023 for the amount of XXXX it was for my rent I mailed it at the post office in XXXX ny I bought the money order at PLS store my landlord contacted me about not receiving my rent. I go to pls they say the money order was cashed by someone they gave me a receipt of the transaction but the receiver was changed on the money order. The endorsement still have my signature. Should PLS refund my money back to me so I can pay my rent?
Consumer complaint received 2023-04-26
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (PA)

Frontier Airlines processed a credit like they said they would in the amount they agreed to. A month later and with no explanation the put the charge back on the credit card. I reached out to Barclays US and they said they have absolutely no idea why the charge was placed back on the card. They suggested I reach out to Frontier to have the credit re-applied. I did and they said they would again process the credit they reversed, and never did.
Consumer complaint received 2023-12-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (VA)

On XX/XX/XXXX, I tried to transfer {$100.00} dollars from the US to XXXX. At first, when I opened the Wise app and started setting up the transfer, they promised a XXXX minute delivery. Once I finished the transfer via XXXX XXXX with a debit card, they switched the delivery for XXXX  days later. Since that didnt work for me, I canceled it immediately. Upon contacting Wise, they gave me different responses each of the XXXX times. 
On XX/XX/XXXX, they responded my email saying my transfer would arrive in XXXX shortly. That made no sense since my transfer had been canceled. I responded that email and they never responded back. 
On XX/XX/XXXX, I sent another email asking about my refund again, and they said they couldnt refund it because they didnt have my bank account, which was not true because not only my bank account was there, since I paid with card, my refund should come via debit card. Again I responded and they didnt. 
On XX/XX/XXXX, I called. After XXXX minutes waiting, a woman who didnt seem to know what she was talking about, said shed have to escalate my request due to technical problems. She never gave me a deadline on when I should receive it, just said I should wait. 
On XX/XX/XXXX, I was stupid enough to try to do another transfer of {$49.00} dollars. Once again, they promised delivery in XXXX minutes and once I paid, they said it would only arrive on XX/XX/XXXX. Since the money needed to arrive to XXXX today, I had to cancel it. I sent another email now asking for both refunds, and the response I got made no sense at all. They said my transfers were both stopped for sanctions review before they could send them out. And even though they received my cancellation request, they still have to complete the sanctions review before they can cancel it. 
Once again, they responded with a whole different story and never gave me a timeline of when I should expect to receive my money back. I am out of almost {$150.00} dollars and not one single coherent response for my refund. This is simply ridiculous. Please help me get this sorted.

Thanks.
Consumer complaint received 2024-01-20
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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. 

XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

A total of about $ XXXX was taken from my account in agreement of exchange for a XXXX XXXX. Money was sent to the vendor, however the vendor is requesting more money before sending the XXXX, even after accepting previously sent funds. I have contacted the vendor with no response. When notifying the vendor that I will dispute the charges, my account was blocked from messaging him
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am filing a complaint because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data providers and you continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed .I have never received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness, ownership, responsibility, and compliance to any and all federal obligations and even the metro 2 compliance requirements from anyone even if and when I forwarded written request of information to VALIDATE the account information that your firm reported as miraculously verified, yet without any such proof of this alleged affirmation of facts. I feel it is best to release your reporting this disputed information at once I will have no choice but commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I sent in my drivers license and a bill with my address on it and told them to remove the names and addresses off my report because I never lived there and that it was fraud which I have a fraud alert on my files with all credit reporting agencys and they have not removed any of them the names that was supposed to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that was supposed to be removed are XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL, XXXX XXXX ID # XXXX Single family XXXXXXXX XXXX XXXX XXXXXXXX FL, XXXX Address ID XXXX XXXXXXXX XXXX XXXX  Never lived at any of these addresses
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved making deposits for a total amount of XXXX usd from my XXXX account to fraudulent investment firm