davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (SC)

On XX/XX/XXXX, Freedom Mortgage paid {$1800.00} to cover my XXXX XXXX tax bill. The Escrow Assessment performed by Freedom Mortgage is based on a tax rate of {$6700.00}. This led to an incorrect monthly mortgage payment calculation that increased my monthly payment by roughly {$600.00}. I reached out to Freedom Mortgage after doing research into the issue, and explained to them the situation. I was referred to their tax department, which was a third-party vendor. The tax team was able to find the discrepancy and correct it on their end on Monday, XX/XX/XXXX. I was told by the Freedom Mortgage representative that it would take roughly 24 hours to update in the system and that a new escrow assessment would be performed once that happened. I was told to call back near the end of the week ( Thursday, XX/XX/XXXX or Friday, XX/XX/XXXX ). When I called on XX/XX/XXXX, there was no new escrow assessment and the Freedom Mortgage representative told me that there wouldn't be one completed until at least XX/XX/XXXX. Furthermore, the representative told me that the request for a new assessment had not been input until XX/XX/XXXX, days after I was told it would be done following the 24 hours delay. Freedom Mortgage refuses to expedite my new assessment, and the representative XXXX XXXX, ID # XXXX ) told me that I would still have an escrow shortage. However, my 1098 tax form from Freedom Mortgage shows that I should have had an escrow surplus in the amount of {$510.00}. The company is showing no signs that they are taking this matter seriously, nor do they have my confidence that they are correctly handling my escrow account.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TN)

Re : CFPB Complaint # XXXX I previously lodged the above complaint with CFPB relating to Comenity Bank 's failure to fully close my BJ 's credit card. This morning, I tried to add the latest chapter in this painful saga to my online CFPB complaint history. I was absolutely astounded to find that CFPB marked my complaint as " CLOSED, '' which should mean that the issue was resolved to my satisfaction. I find it impossible to believe that anyone at CFPB actually read my responses to its questionnaire. If they had, it would have been very clear that there were still lingering issues : 1. Comenity sent me yet another email ( received on XX/XX/2022 ) announcing that my account statement was available for viewing. If the account had been fully closed, there would be no need to email that announcement to me 2. I'm still able to call Comenity Bank ( XXXX ) and hear a recording stating that my full credit limit is available. 

3. I also received a ridiculous letter from Comenity Bank dated XX/XX/2022. It mentioned that they issued a temporary credit to my account, despite other correspondence confirming that the corresponding prior dispute had been resolved more than a year ago. 

WHAT WILL IT TAKE TO GET COMENITY TO COMPLETELY SHUT DOWN THIS ACCOUNT??? 

CFPB must either reopen my original complaint or establish a new one with a new number and follow through on its consumer protection role.
Consumer complaint received 2022-06-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, the following listed accounts below has violated my rights. 

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, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX my computer was hacked into. I couldn't clear it or do anything, there messages & recordings saying something had happened with XXXX and I had to call them. I called and spoke to " XXXX XXXX employee # XXXX from XXXX XXXX. He said he needed access to my computer to run diagnostics to see where the breach had occurred. He said he saw that hackers were using my accounts to purchase gift cards at XXXX, XXXX and XXXX and on XXXXXXXX XXXX  and XXXX. He kept showing me screens that looked like transactions on my accounts. He had me on the phone for over 2 hours saying that XXXX was doing all they could to keep me & my information safe. 
Eventually he said that the hackers were trying to do a transaction at XXXX for {$11000.00} and he needed to do a wire transfer from my account at XXXX to counter act the transaction. He assured me the money would never leave my account and this was the process. He had control of my computer the whole time through XXXX. I was panicked and confused after so long on the phone. It was after the wire transfer was initiated and he told me not to call the bank that I became concerned that he was the hacker. I was never contacted by XXXX to question the activity on my account even though I had never made a wire transfer. I called them to report the activity to try to stop the wire transfer, but it was already sent and they could not recall it. I filed a claim & reported the fraud. I went to a XXXX branch and a banker helped me close my checking account and open a new account. After the hacker realized I had called the bank, he still kept trying to contact me saying that XXXX was sending me back the {$11000.00} and provided a refund id # XXXX. 
I have been working with the XXXX XXXX XXXX XXXX XXXX and have gotten no resolution. Every time I call I am given different information and different versions of the their process. They are trying to get the wire transfer reversed from XXXX XXXX. 
It has been 2 weeks and as of this morning they say XXXX XXXX has not repsonded.
Consumer complaint received 2022-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (TX)

Violating 15 USC 1692e, sent validation of debt letter to original company. Per the " 8 Parts to a Lawful Contract '' this debt was never accurately validated as mine. All I received is statement of account, presumptions and assumptions and threat of a civil lawsuit. I specifically asked to see a valid contract with both parties signatures and didn't receive. I have given more than enough time since I sent my first attempt at verification months ago. If there is no valid contract then how can you attempt to sue on a presumption? I have spent many awake and sleepless hours of my time on this matter and I should receive compensation for my time and postage.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX 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. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-04
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-29
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 — 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 XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX XXXX and I'm including it again. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX NOW Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-29
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2022-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (TX)

GRANT & WEBER INC has been attempting to collect a debt from me from they opened XX/XX/XXXX, representing XXXX AT XXXX XXXX that permanently closed in XXXX two years prior to the alleged debt to be collected. Not only is this a billing mistake but it has also surpassed Texas state statute of limitations according to section 16.004 Texas civil practice and remedies code. The statute of limitations on debt in Texas is four years.
Consumer complaint received 2022-06-04
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: TRUIST FINANCIAL CORPORATION (TX)

My rights have been violated and the following laws broken : 15 U.S. Code 1681 ( a ) ( 4 ). States I have a right to privacy 15 u.s.c. 1681 section 604 ( a section 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt My right to privacy has been violated. I did not give written instructions for my information or report to be furnished to this company ; nor do they have my written instructions to report my information to the Credit Bureau. This company does not have my consent to communicate with me. Reporting to the Credit Bureaus is a form of indirect communication and harassment.
Consumer complaint received 2019-11-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (FL)

ON XX/XX/2019 I FIRST REACHED VIA TRACKING SIGNATURE MAIL IN WHICH THIS COMPANY SIGNED FOR THIS REQUEST ON XX/XX/2019 AT XXXX XXXX   ACCORDING TO MAIL GREEN CARD USPS TRACKING THIS COLLECTION AGENCY NCB MANAGEMENT SERVICES NEVER REPLIED BACK WITHING 30 DAYS OF MY REQUEST FOR VALIDATION OF DEBT AMOUNT XXXX ACCOUNT NUMBER XXXX IN WHICH I DISCOVERED REPORTING ON MY CREDIT FILES WITH XXXX, XXXX, XXXX ON XX/XX/2019, I EVEN DISPUTED THIS ACCOUNT WITH LISTED CRA AND THIS COMPANY NCB MANAGEMENT SERVICES VIA TRACKING SIGNATURE MAIL NEVER REACHED BACK TO ME SO I THAN REQUESTED AGAIN ON XX/XX/2019 VIOLATION OF DEBT VIA TRACKING GREEN CARD SIGNATURE MAIL BY THE USPS IN EACH LETTER I ADVISED THIS COMPANY TO cease and desist ALL COLLECTION ACTIVITY AND TO STOP REPORTING UNVERIFIED DEBT TO CRA IMMEDIATELY ON XXXX I RECEIVED A COPY OF A BILL SUMMARY LISTING A INACCURATE NAME LISTED FOR DEBT, DEBT AMOUNT OF {$7700.00} IN WHICH NCB MANAGEMENT SERVICES IS REPORTING FALSE TO LISTED CRA AGENCIES I DISCOVERED THE ACCOUNT NUMBER REPORTING ON NCB MANAGEMENT SERVICES BILL SUMMARY IS REPORTING A DIFFERENT FALSE ACCOUNT NUMBER XXXX COMPARED TO ACCOUNT NUMBER { XXXX } LISTED WITH CRA AGENICES XXXX, XXXX, XXXX I THAN ADVISED EACH CRA TO INVESTIGATE FCRA VIOLATION AND FDCPA VIOLATION AND EACH CRA REPLYED THAT THIS COLLECTION AGENCY IS ADVISING THERE AGENCIES THAT ITS COMPANY IS REPORTING REPORTING ACCURATE ACCOUNT INFORMATION UNDER THE FCRA AND FDPCA HOWEVER I HAVE MAILED NCB MANAGEMENT SERVICES VIA TRACKING MAIL A COPY OF ITS BILL SUMMARY THAT WAS MAILED TO ME ON XX/XX/2019 I HAVE ASKED THIS COMPANY TO IMMEDIATELY STOP REPORTING ITS FALSE AND UNLAWFULLY REPORTING AND TO DATE XX/XX/2019 THIS COMPANY HAS STILL REPORTED FALSE AND INACCURATE ACCOUNT INFORMATION TO EACH CRA REPORTING AGENCIES CLEARLY IN VIOLATION FCRA SECTION, { 15 U.S.C. 1681-1681 } { SECTION 15 USC 1692 ( g ) Section 809 ( b ) } Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits unfair or deceptive acts or practices in or affecting commerce ; SECTION USC 1692 ( g ) Section 806 ( 5 ) AND MANY MORE VIOLATIONS
Consumer complaint received 2022-06-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

the following addresses need to me removed due to never lived or have not lived there in 5plus years and one is from 20 years XXXX XXXX XXXX XXXX IL XXXX ( have not lived here since XXXX ) ) XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( never livied year ) XXXX XXXX XXXX XXXX XXXX, WI XXXX. ( have not lived here since XXXX )
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Before the pandemic, I had most of my payment options for my bills on Autopay. Some through my Bank and some arranged with the Creditor. Due to less income during the pandemic, I needed to keep closer track of my cash flow, so I undid most of my Autopay options. 
This led to an oversight in XXXX, I was overdue on a {$31.00} minimum payment, Charged {$29.00} Late fee, {$89.00} was the next minimum payment due. Why the {$60.00} minimum payment difference? 
I had the same thing happen on a XXXX card, and they didn't explain why the difference. With this Synchrony Sam 's Club card, I tried the online chat, but got their Artificial Representative. 
During this same XXXX statement my balance was lowered from {$1400.00} to {$1100.00}, leaving not enough for some new fees and my Sam 's Club membership which went up in price. I don't even usually charge this to my Sam 's Club card, but that's something different. 
Now I'm Overlimit, my interest rate also went up and they Call every single day. Interest rates on Credit Cards is out of control for normal people who have a recurring balance.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

My XXXX died XX/XX/XXXX. On the XX/XX/XXXX, I went into Chase Bank in XXXX, CA to find out what I would need to close the account. It was a personal checking account with the trust as the beneficiary. I met with XXXX who told me that I would need to set up a trust account with the trust attorney, bring in the trust, any ammendments and my mom and dad 's death certificate. I did this with my co trustee, my brother XXXX, on XX/XX/XXXX. XXXX took copies of all the documents so that he could scan them into their system. He said it would take 7-10 business days as something had to be done in the " back ''. 10 days goes by and I hear nothing so I call and he is not in. I call XXXX, the Bank XXXX XXXX, who proceeds to tell me she has no info on " closing trust accounts '' and I would have to speak to XXXX when he returns. Called him a few more times to no avail. On XX/XX/XXXX XXXX calls me to say the process is finished and I can stop in at the bank anytime and go to the window and get the check which would be made out to the trust ( I need to deposit it into a trust account ). On Friday, XX/XX/XXXX ( the next time I was in XXXX ) I stopped into the bank. XXXX was on vacation and the teller proceeds to tell me he has no idea what I am speaking of. The branch manager, XXXX, then tells me she can not locate our documents or personal information in their system even though XXXX had copies and doesn't know where they are. I ask for her supervisor ; XXXX XXXX and I call him. He proceeds to tell me he is sorry as it shouldn't take this long when someone dies and shouldn't be this hard. He tells me he will reach out to me on Monday. Today is now almost a week later and they are telling me that I need additional documentation and my brother who does not live here has to write a notarized letter to say he agrees with us closing the account and getting a check ( even though the trust is the beneficiary of the account and they have her death certificate XXXX and on top of all that he was with me when we originally gave them all the documents and directions ). He lives in the XXXX XXXXXXXX XXXX and can not just come down anytime he pleases. They have the documents they need and should close the accounts. We closed accounts with XXXX XXXX, XXXX XXXX and XXXX as well as XXXX XXXX  and did not have nearly this amount of trouble.
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC (FL)

Loan depot communication is through Mail, and for any outstanding loan payments, they do not alert customers through SMS text or emails and still follow the old tradition of sending by mail, which can be overlooked quickly, thinking that it could be another sale-related They canceled my recurring payment option and did not alert me through an email or an SMS text, and now they are asking me to send cash order checks by mail going forward Loan Depot does not provide real-time payment options like debit card or direct debit options to pay or pay through a bank transfer - no bill payment options They are not willing to listen to customer concerns, and they know it is not easy to transfer the loan to another bank as it involves so much financial burden Their systems and processes are significantly legacy, and they never focussed on investing to make it customer-friendly and providing the industry 's best tools for payment options They are designed to make the customers fail and suffer
Consumer complaint received 2023-02-21
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NM)

My issue is with CHIME / XXXX XXXX IN XXXX OF XXXX I deposited {$1000.00} FROM MY XXXX XXXX XXXX TO MY CHIME. 

CHIME KEPT MY {$1000.00} and CLOSED MY ACCOUNT!!! 

The first refund check they sent me was drawn on XXXX XXXXXXXX XXXX THERE IS NO XXXX XXXX XXXXXXXX WITHIN 100 MILES OF XXXX NM!!! XXXX WOULD NOT CASH IT CHECK N GO WOULD NOT CASH IT SO IT EXPIRED!!! 

The SECOND ONE WAS LOST. 

Now FOR THE 3rd ONE I HAVE SENT THEM A PICTURE OF ME HOLDING MY DRIVERS LICENSE THAT I TOOK MYSELF AS WELL AS JUST MY DRIVERS LICENSE ALONE OVER 5 TIMES NOW ALL ARE VERY CLEAR!!! 

I HAVE DONE EVERYTHING THEY ASKED AND THEY KEEP LYING TO ME SAYING I SHOULD GET IT NO LATER THEN XX/XX/XXXX THEN THEY SAID XX/XX/XXXX IT IS NOW XX/XX/XXXX AND I STILL DO NOT HAVE MY {$1000.00} FROM CHIME!!! 

THEY KEEP GIVING ME THE SAME AUTO BOT RESPONSES!!!! 

I HAVE BEEN WAITING FOR 2 YEARS NOW FOR MY {$1000.00} REFUND!!! IT IS THEFT!!!! 

I WANT MY MONEY I NEED IT NOW!!! 

I no longer have access to the email I opened the account with and I have explained this many times and provided a good one I use now. They keep saying how sorry they are and the check is in the mail!!!! I STILL DO NOT HAVE MY {$1000.00} I HAVE SENT PICTURES OF ME HOLDING MY DRIVERS LICENSE MANY TIMES SELFIES I TOOK!!! I DID EVERYTHING THEY ASKED MANY TIMES NOW YET THEY JUST GIVE ME AUTOBOT RESPONSES I CAN NOT GET THROUGH ON THE PHONE NOW TO SPEAK WITH ANOTHER MANAGER TWO YEARS IS WAY TOO LONG!! 

Its THEFT THERE IS NO FRAUD ITS MY MONEY MY ACCOUNTS I HAVE PROVEN THAT SO THERE WAS NO REASON FOR ANY OF THIS I JUST WANT MY MONEY IT SHOULD NEVER BE THIS HARD OR TAKE THIS LONG TO GET MY MONEY BACK!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N .M. XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$1000.00} FROM XX/XX/XXXX WHEN CHIME KEPT MY MONEY AND CLOSED MY ACCOUNT I OWE CHIME NOTHING!!! 

TWO YEARS NOW!!!