davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (AZ)

Aside from a copied letter with the letterhead showing as Centralized Mail, Mail Code XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX I have not received ANYTHING else from Chase Bank and have received NOTHING from my servicing Chase Bank officials as to whether this is a VALID DEBIT owed to whom or if this was/is the IRS whom I paid {$12000.00} XXXX XX/XX/XXXX and {$190.00} on XX/XX/XXXX, totaling {$12000.00} resolve my taxes due for tax year XXXX. I made these online payments to the online IRS payment portals listed on the IRS letters IRS mailed to me. These payments are recorded as paid out on my Chase savings statement for each of these two separate payments to the IRS. It appears that for whatever reason, IRS did not receive these payments or my payments were no credited to my IRS account. I am unable to resolve this with my Chase banking officials because the letter I received references a debt of {$73000.00} which is EXORBITANT for IRS which I now believe is a SCAM. In addition, if it is a valid debt someone would have contacted me to follow up on this alleged debt. Chase won't give me the courtesy of advising me WHO IS THE DEBTOR. I have a clean record credit record attached. I have never filed for bankruptcy and my current XXXX  is XXXX.
Consumer complaint received 2022-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Orion Capital Solutions LLC (NM)

On XX/XX/XXXX at XXXX MST I received a call from a XXXX at Orion Capital Solutions , he gave me some information about a contract/debt owed and then said he assumed that I wanted to take care of this. I asked if notification had been sent, he said an email had been sent. I asked if a letter had been sent to my po box , and he asked what good would that do as an email had been sent. I informed him I had not received an email and he started saying that I don't need to raise my voice. I calmly told him that I was not raising my voice, I just want to have a verification of the debt as is my right. He said he would just assume that I didn't want to take care of it then wished me good luck and hung up. He then IMMEDIATELY called my wife and left a very threatening message telling her how I was an extremely difficult individual and all I wanted to do was argue. He mentioned a property assessment report and verification of income. Then ended the message to her with " I apologize for the headache this is going to cause because your husband thinks he needs to talk to people in a certain way ''. I called him right after hearing that and he was angry and again hung up on me. I called him back again and he answered the phone with " What do I need to do to get you to stop calling me? '' He also said that I already told him I wasn't going to take care of this debt and there was nothing more to discuss. I never said that, I only asked questions. This is text book aggressive practices and trying to play a wife against a husband is extremely unethical, not to mention suggesting there would be future problems after telling her about property assessments and income to me suggests they are telling her it would be financial problems coming from this.
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc. (FL)

My old apartment complex XXXX XXXX XXXX prematurely sent my account to collections prior to finalizing their account statements in XXXX. I recieved a collection letter on XX/XX/2022 and this collection was reported on my credit report soon after. 

On XXXX XXXX, 2022, I recieved a final account statement from XXXX XXXX XXXX indicating that I hada XXXX balance with them, after they went through all of my deposits and credits to the account. 

The damage was already made to my consumer report months proir and it cause my credit rating to drop dramatically.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/XXXX I opened a leased account with XXXX XXXX through JP Morgan Chase financing. 
XX/XX/XXXX, the lease was completed and I was offered by XXXX for lease buy out financed through XXXXXXXX XXXX XXXX 
On XXXX, I started paying the monthly payments to XXXX XXXX XXXX with no fail. 
However, on XX/XX/XXXX, when I was about to go to work I was do worried that I could not find the car in our apartment complex 's parking lot. We thought it was stolen, only to find out that Chase repossessed our car. This was so upsetting since I have already made a total of on time payments to XXXX XXXXXXXX XXXX 

I contacted XXXX to help me resolve the case, they provided a loaner car for me and at the same they also contacted Chase to straighten the issue. 

However, my credit report is showing I have a record of repossession. I disputed this twie with Chase but Chase did not honor my dispute. 

I am needing help from the authority with this matter as I am left with no other option. I have not been able granted access to credits because of this negative reporting when me and my wife were looking to buy another car.
Consumer complaint received 2023-10-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I hold a credit card with Bank of America. On the XXXX XXXX XXXX XXXX XXXX XXXX I noticed unauthorized transactions made in Delaware, despite my location being in XXXXXXXX XXXX I promptly reported these fraudulent activities to Bank of America. After enduring a wait time of approximately 20 minutes, my call was received, and a fraud claim was registered on my behalf. 

A few days later, I was relieved to find that the stolen funds had been returned to my account. However, to my surprise, the fraudulent amount is now appearing on my statement. In an attempt to resolve this issue, I contacted Bank of America once again. They provided me with a number associated with my existing claim but unfortunately, my calls are not being answered. Each attempt results in a waiting period of around 20-25 minutes.
Consumer complaint received 2022-09-30
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 (IL)

I filed a claim with Bank of America that unauthorized charges had been filed on my account. They denied my claim in less than a week without looking into it. I sent in my ftc report and reconsideration letter and was told my claim would be resolved 45 days from XX/XX/XXXX. It is now past that time frame and now they are giving me the run around saying its a different 45 days and my claim still havent been resolved. My money is being held and Bank of America is violating my consumer rights.
Consumer complaint received 2022-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

Good Morning, Please be advised, before reaching out to make a compliant I have reached out to the bank many times. 
On XX/XX/2022, I noticed on my credit report that there was a issue with my mortgage company, when I called the mortagage company, Penny Mac at XXXXpm I spoke to a operator # 1 who informed me that the payment made on XX/XX/2022 which was process on XX/XX/2022 was sent to escrow and not towards the mortgage. I informed the operator # 1 that it was a mistake and that when I made previous payments I used the same method. She then informed me on how to make a proper payment, waive the late fee. 

I then canceled the upcoming payments to avoid the same problem, unfortunately, when I tried to save it for the month of XXXX. I mistakenly entered a payment scheduled for XX/XX/2022. I called Pennymac to informed them of what happened, the operator # 2 then informed me same day transaction could not be canceled, and I would have to call the next business day. The next morning on XX/XX/2022, i called Pennymac bank and spoke to operator # 3 who informed me that I should have called the same day the transaction was made, I informed that I did and they should check there records since all phone calls are recorded. I informed her that operator # 2 told me to call the following day to have it removed. However, operator # 3 said it could not be done, and it would need to be process before the funds are sent back. I then asked to speak to a supervisor or manager. She reported no one was available and they were all in a meeting. I was extremely upset since I had a negative balance for the weekend and needed to make other payments. However, I took the Operators word, and confirmed the funds will be sent back. 

On XX/XX/2022, I called my bank the money was taken out of and explained the situation. They agreed to overturn the overdraft fee. On Wednesday, XX/XX/2022 the funds were returned back, However, on XX/XX/2022 XXXX again took funds out, leaving my account negative. When i called, I was transfer to 4 different people who were unhelpful. 'Finally I spoke to operator # 8, she informed me she was not aware as to why the bank was taking the funds out and was not sure what to do. This is my mortgage company and now I do not feel safe with my funds, and I have to live check to check only to now be negative and be unable to make other payment to pay my bill.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

Suzuki provided contact of ownership however I have never lived at the address on contract and that is not my drivers license attached nor my bank card. My drivers license has had the same pictures since XXXX this account was open fraudulently and I would like it removed immediately.
Consumer complaint received 2024-04-09
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (VT)

XX/XX/2924 PLEASE NOTE : My name is XXXX XXXX - there is a typo saying " XXXX '' I am unable to correct without starting over. 

I've had a XXXX XXXX account for years. I've made large purchases using it ( phones, thermostat, etc ) and always paid either on time or early. My limit gas been {$1500.00} for some time. 

This month, with no warning, Synchrony dramatically reduced that limit to {$100.00}. 

When I phoned to ask them why ( my current balance due is {$36.00} ) I was initially told they could not tell me, but a letter would be issued ( after the fact, giving me no chance to address/question the decision ) with 72 hours. I asked to be put through to a supervisor ( XXXX ) who repeated thus information and also, in a hostile manner, stated there would be no appeal or reconsideration. 

In the course of the phone call, she then said she was incorrect : the letter had been generated. She stated the reasons as too many accounts with high balances ( my balances have been steadily paid down/I have only opened one new account in some time ) and something about paying a mortgage product down " too slowly ''. I have only one mortgage product ( a {$44000.00} HELOC ) which I have been paying down monthly without increasing it, and and we have at {$200000.00} equity in our home. 

The sudden decrease, without a good reason or explanation, has triggered an immediate drop in my credit score and will affect my being able to get good rates in future. It also means I will not be upgrading any of my XXXX products.
Consumer complaint received 2022-09-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CO)

For this loan I was told I had to call to make sure they charged me the right amount so I would pay off the full amount on time. On the second to last payment I called and was told that the two payments were all set and they would be done automatically, and there was no need to call the upcoming month. I was told to just make sure the last payment was taken out of my card. That last month I checked my bank statement and the last payment for this lone had been done. I was surprised when a month later the company reached out and said I owed them {$7000.00} because a balance of {$20.00} had not been paid. I tried to come to an agreement with them since this had been their mistake, they told me they could reduce that balance to {$2000.00}. We insisted that this was their mistake and we did not need to pay this. They said there was a recording where they informed me that there would be a small balance after the last payment but I dont recall this and they refused to show me the recording. And since then they have taken out about four payment of {$76.00} from my account without my consent.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I received an email from my banking institution stating that an account application was sent in my name. It was later approved. The banking institution reported a fraud alert and we verified that there was a fraudulent application sent in my name and the account was closed and shut down after verification. Credit bureaus were notified and a report is being submitted
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (IL)

Recently, my credit score has improved dramatically. I deal with two banks. One bank that is my primary posted my credit score XXXX points lower than the other. I realize that all credit reporting services have different numbers. But this low credit score.

Is rather dramatic compared to the other bank.

And that hurts my overall credibility when concerning financial matters.

For their part, the bank in question wash their hands of the issue. My contention is that if you have three or more credit scores from various services shouldnt there be an amalgam of the three averaged out to reflect your true credit score?
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc. (OH)

Payfare/XX/XX/XXXXXXXX locked my card for security reasons ( incorrect pin or CVV entered by me, the cardholder ), however the card continues to be locked several days past the 24 hours they said it would be locked for. This has happened several times, causing me to lose access to my funds for bills and purchases. They typically ignore calls and emails, and unlock it when they get around to it. When they do answer my calls, they assure me that my card is not locked and that I should try it somewhere else. However, when I take their advice and attempt to make a purchase, it is still locked. I emailed them a couple days ago letting them know that if this continues, I will need to file a complaint with Consumer Finance Protection. 

Today ( XX/XX/2023 ), I called about a half hour ago, and they told me it would be unlocked at XXXXXX/XX/XXXX tomorrow. They encouraged me to try making a purchase then. However, immediately after our phone call, I saw they deactivated my card entirely, and restricted access for me to view my virtual card and my account number and routing number. So I called them back and explained this, and the representative gave me no legitimate explanation. The representative told me she will make a ticket to escalate my request and to wait for a call from Payfare. Ive been told to wait for a call from them several times before, and never received a call.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

Late fees applied 2 months ( XXXX & XX/XX/2024 ) in a row against card even though I had my bank send the payment ( credit card/Comenity only allows paper checks ) by the XXXX or XXXX of month for a payment due XXXX of next month. My Bank XXXX XXXX ) had transaction copies of both checks on my acct so I copied front and back of both months ' checks and sent to Comenity. I did this either 2 or 3 times, even making a word doc and emailing this to Comenity as well. I called several times as each of my mailed attempts to give them the check photocopies they demanded resulted in a form type letter. This said the " did not receive the requested info '' -- as well, they told me on phone they had not received the emailed version. 
The first late fee charge was {$30.00} and the second, on a bill for under {$30.00} was {$37.00} -- -more than the charge due. 
I feel they are usurious and and I feel I have been cheated roundly.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (GA)

XXXX charge on background XXXX XXXX serious XXXX  It should be XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX XXXX XXXX No XXXXNo XXXX  This intentional act have caused many issues with employment.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

To Whom It May Concern, I am writing to express my dissatisfaction and concern regarding the unexpected suspension of my account with HSBC USA on XX/XX/2023. I was not provided with any specific reason for this action, and to the best of my knowledge, I have not engaged in any activities that violate the bank 's policies or terms of service. 

The error code provided to me is XXXX. Without any clarity on this code or the reason behind the suspension, I am left in the dark and deeply concerned about the status of my account and the funds within it. I kindly request an immediate review of this matter and a detailed explanation of the reasons behind the suspension. 

I understand the importance of security and compliance, but I believe that transparency and communication are equally essential. I hope to have this issue resolved promptly and expect the bank to rectify the situation without further delay. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-09-30
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. (CA)

I reported to chase I was manipulated/mislead/targeted/threatened/scammed into sending money under falsified and exaggerated made up stories and lies by a woman who claimed to be a philanthropist and Artist. She would threaten to kill herself when Id try to stop sending money. She also said she knew gang members in XXXX XXXX I was scared she might have me killed if I came forward. I sent thousands of dollars. I reported this to chases fraud department but all I was told. They wouldnt be able to help me because I XXXX  and XXXX THE MONEY TO her myself. I asked if my money was FDIC insured the rep said yes and said my situation did not qualify. The first XXXX date started XX/XX/XXXX XXXX XXXX, XXXX on XXXX and continues through my XXXX account on chase. The amount exceeds over XXXX dollars of fraud by this individual.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (AZ)

I placed a Phone call at XXXX Arizona Time XX/XX/XXXX XXXX BMO Credit Card Services XXXX XXXX XXXX XXXX XXXX was wrongfully charged a Cash advance fee by BMO Harris Bank for a rental payment transaction through XXXX on three different charges : XX/XX/XXXX XX/XX/XXXX XXXX  XXXX NY XXXX XXXX. 
XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX The representative claimed it was for a XXXX Cash Advance fee- After consulting with her supervisor XXXX  the BMO Harris Customer service agent refused to reverse the fee. I filed an official complaint with their company and requested a copy of the phone call conversation. I was told I could not pay off the amount to remove the fee but instead would be required to pay the entire credit card balance off in full to get the " cash advance Fee '' to stop compounding interest on my balance. 
Fee Complaint Report Case ID # XXXX XXXX XXXX XXXX customer service agent : XXXX XXXX : XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Money Services, Inc., d/b/a Texoma Finance (OK)

In accordance with the Fair Credits Reporting Act the creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.