davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Johnson Mark LLC (UT)

In XXXX i owed XXXX XXXX XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated Johnson mark llc tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my equifax work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and Johnson mark llc documentation reads johnson riddle mark llc, in XXXX? This firm hasnt been johnson riddle mark for a while only johnson mark llc? I got ripped off big time!! I have documentation to support this, and can send copys by email. Also XXXX XXXX responded to XXXX complaint and they stated in a letter that {$35.00} was refunded to me on XXXX/XXXX/XXXX for the garnishment that was completed on XXXX/XXXX/XXXX???? Ummm that dont make any sense
Consumer complaint received 2015-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (TX)

Debt to XXXX was satisfied when account was closed and all equipment was returned, XXXX 2014. NO further contact from XXXX XXXX, however, 13 months later this " collection '' shows up on on my credit report. NO prior written or phone communication. I have attempted to contact this Debt Collector and can not get any information pertaining to my account from them.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have closed accounts on my credit report from more than 7 years that the credit bureaus will not remove. I also have credit accounts on my credit report originating XXXX even though I was born in XXXX. 

XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have closed accounts on my credit report from more than 7 years that the credit bureaus will not remove. I also have credit accounts on my credit report originating XXXX even though I was born in 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
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (SC)

In order to take advantage of the lower rates, I decided to refinance my current mortgage. 
NewDay USA had been advertising refi 's for veterans with no income verification, no appraisal and no out-of-pocket cost. This sounded attractive so I began the process on XX/XX/XXXX. The actual application date is XX/XX/XXXX. 

My house is currently valued at @ {$180000.00} with an existing mortgage balance of {$75000.00}. My credit score was XXXX and my wife 's @ XXXX so no problem there. 

During the application process I was told that with an equity position of 40 % loan-to-value no appraisal would be required, however, later in the process I was advised that an appraiser would becoming to do an appraisal. Also, as documents were requested to support the application I was very timely in providing the documents. later in the process on more than one occasion i was asked to provide documents that had earlier been provided. This happened more than once. 

Finally, during the week of XXXX I was told that we would be able to close the loan on XX/XX/XXXX. Because of a death in my wife 's family I asked that wee delay closing until XX/XX/XXXX. Closing was set for XX/XX/XXXX at XXXX XXXX. Earlier in the process I was asked to provide the name and contact information of a closing attorney. This information was promptly provided. On the morning of XX/XX/XXXX I went by my attorney 's office to validate closing time. They had received no information relative to the closing. When I returned home I called NewDay and was told that closing would not happen that day. I was again asked to provide information I had submitted earlier in the process. Somewhat irritated I did this. 

During the week of XXXX I received electronic disclosures to be signed before closing. These were signed and promptly returned. Then the week of XXXX, I received more electronic disclosures with no instructions. I finally contacted the processor and was told why new documents came. These were signed and returned and a promise that closing could occur soon. Finally was told that a closing notary would come to my house on XX/XX/XXXX, and documents were signed. As of today, payoff to the first mortgagor is still pending. If payoff does not occur before XX/XX/XXXX the mortgage will be late and late charge due. Not only do I not want to pay a late charge but I have never had a late payment in my life. ( Now XXXX years old ). 

So what is my complaint? First of all, a refinance with less than 50 % LTV should not take 3 months. A borrower should not have to continually provide documents a second time that have already been provided and I am not real happy with the potential impact to my credit history because of the delay in paying off the first mortgage,.
Consumer complaint received 2019-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

My loan with Ocwen was transferred to PHH Mortgage. Their loan servicing website is called ( strangely ), " mortgagequestions.com ''. 

I was able to log into this website in the past, although it was very bad and hardly functional ; the registration process was full of errors and took me months of work with PHH just to get my account working. 

Now, for the past several months, the website has been inaccessible due to a bad security certificate. Any web browser will give a message like this one and block access to PHH 's " mortgagequestions '' website : " Attackers might be trying to steal your information from www.mortgagequestions.com ( for example, passwords, messages, or credit cards ). Learn more NET : :ERR_CERT_AUTHORITY_INVALID '' In case you're thinking this is a user error, please note that I have a XXXX. in XXXX XXXX and used to work at XXXX as a XXXX XXXX. The problem is the website, not me. 

Please require PHH to hire an IT team to bring their website online again so I can check on my mortgage balance, make payments, etc etc. I don't think it's acceptable for a servicing company 's website to be inaccessible for many months in a row. 

And of course, I don't have a choice here as to who services my loan, so I have zero leverage with this terrible company.
Consumer complaint received 2019-10-11
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: EQUIFAX, INC. (TX)

I HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Recovery Service Incorporated (WA)

I have been contacted numerous times at my place of work from a debt company - they call themselves ARSI. They call from the number XXXX. They do not include any information in their message about what debt is owed. To my knowledge I have no outstanding debt ; I have excellent credit and pay all of my bills on time. 

They have been calling me for several months, and during that time have sent no formal letter in the mail detailing why I am being contacted.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I am writing to formally file a complaint regarding a series of fraudulent transactions that occurred on my Chase bank account. My name is XXXX XXXX, and I am seeking your assistance in resolving this matter. 

On XX/XX/23, I reported two unauthorized transactions ending in XXXX, amounting to {$350.00} and {$320.00}, to Chase bank. Subsequently, the bank canceled my card and assured me that a new one would be issued. However, on XX/XX/23, I discovered two additional pending transactions, also ending in XXXX, with amounts of {$320.00} and {$350.00}. Additionally, two transactions ending in XXXX, totaling {$350.00} and {$320.00}, were debited from my account, accompanied by foreign exchange fees of {$10.00} and {$9.00}. Notably, these transactions occurred before I received the replacement card, indicating unauthorized card use. 

Despite filing claims for all four transactions in person at a local Chase branch on XX/XX/23, the bank rejected my claim for the two transactions ending in XXXX. I made additional efforts to address the issue by contacting Chase customer service on XX/XX/23, explaining the situation three times. Unfortunately, I was informed that the bank requires further documentation to substantiate my claim of non-involvement in these transactions. 

I believe this matter requires urgent attention and investigation to safeguard consumer rights and financial security. Please find the attached documents for your reference. Your prompt intervention and guidance in this matter would be highly appreciated. 

Thank you for your attention to this serious issue.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Made a large overpayment on credit card ( paid {$36000.00} instead of {$3600.00} ) overage of {$31000.00} on XXXX XXXX. Discovered it the next day ( XXXX XXXX XXXX am ) and called customer service. Their representative told me that the money would be returned to me once it has cleared and considered not fraud and could take 7-10 days. On XX/XX/XXXX I called again to see if the issue was corrected and was given a case number. Since then, I have called them at least 5X or more to no avail. Each time being told something different as I would get a check in the mail or the money would be sent back to my bank. I even have written 8 emails to XXXX XXXX, XXXX XXXX XXXX Bank of America, have still not received my money back either by mail or by direct deposit. 
The bank has called me at least 3-4 times ( two women named XXXX and XXXX ) but never have gotten anything but promises that the " case '' is being worked on or they will call me back of which neither have happened. I also received two letters from Bank of America saying the money was returned to my account of which it has not.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had an account with XXXX XXXX XXXX. ( account number XXXX ) I paid it on time and paid it out this month. I also was cosigned on another XXXX account that was charged off. ( account number XXXX ). XXXX has mistakenly placed the " charged off status on the current account ( ending in XXXX ) that was from the latter account ( ending in XXXX ). 

To prove this I have provided a copy of my credit file from XX/XX/XXXX where I circled the 30/60/90 days late indicator showing " XXXX '' in all of those fields ... .and that reported to the credit bureaus on XX/XX/XXXX. 

I then provided a copy of the files from TWO MONTHS LATER that now showed " 25 times 90 days late '' and was reported in XX/XX/XXXX. Now this account could not have gone 25 times 90 days late IN JUST TWO MONTHS. 

This is a clear violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2019-10-11
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: Experian Information Solutions Inc. (TX)

I HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the XXXX XXXX XXXX. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Collections Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
These inaccuracies are stopping me from getting a house for my family and car for kids.
Consumer complaint received 2019-10-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (CA)

I have worked with BMW financial for BMWs for 6 years, never made a late payment. Upon the expiry of my XXXX lease, I returned my vehicle into the XXXX dealership as I moved from the bay area. I returned the car. The person at the XXXX   dealership said the car looks great and I signed an XXXX and that was it. 
Three weeks later XX/XX/XXXX I received a bill for $ XXXX+ stating there was {$XXXX} for excess wear on the after market rims I had placed on the car. I have the four original rims in my garage. Had I been given the opportunity to know what would be charged to me, I would have easily returned these. I received a third party assessment in the mail after I had already received a bill from BMW, stating that I would have the chance to rectify any charges assessed on the condition of the vehicle. I never was. 
I called BMW on the XXXX and they said it was a dealer issue. I called the dealer and they said it was a BMW issue. 
I had BMW offer a {$XXXX} discount off the {$XXXX} amount they requested, but I disputed the entire charge. On XX/XX/XXXX I sent a letter stating the above and got no response and just continued demands for the bill outstanding. 
I am shocked that they would treat a customer this way, with my history of perfect payments with BMW. 
I got no response. No explanation. No offer to take the original as-new rims. Nothing just a $ XXXX invoice.
Consumer complaint received 2019-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

STATUS ID # XXXX Feedback provided on XX/XX/2019 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS WF reply is not in reality? False information on Balance of Unpaid taxes [ $ XXXX ] which I always pay myself. If you looked at my PAID Interest payments of XXXX and XXXX of $ XXXX, it left my Payoff balance for XXXX. WF is playing XXXX XXXX XXXX with the Interest? Payoff was XXXX not XXXX, How could anyone Payoff a Illegal Balloon of $ XXXX, or Foreclosure TWO MONTHS EARLY?? A Myth Their claim of Interest on interest is USURY and they'll be going to Claims Court for a Judgement against them. Why did CFPB not enforce this Violation? Have WF DEFAULT IN FRAUD BY XXXX XXXX, XXXX XXXX XXXX of XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

PLEASE, CFPB, PLEASE!!! ASAP!! FOLLOW UP ON COMPLAINT # XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX # XXXX We are in dire need of those funds that BANK OF AMERICA will not return to us. Why is Bank of America keeping our money??? Because of a " hold harmless '' agreement that we know nothing about? It is Bank of America 's fault that they did NOT do their DUE DILIGENCE when this criminal opened a fraudulent account. When we called them at the end of XXXX, 2019, the funds were still in the account at Bank of America. What gives them the right to keep our funds?? OUR HOME IS IN FORECLOSURE AT XXXX XXXX XXXX, in Michigan. We need our funds to save our home!!! 

CFPB : The Bank of America Regulatory and Compliance office has called us. 
Keep putting the pressure on because we need those funds back asap!!! 
Tell them they can just send us a check! Or we will file a lawsuit! 
Thank you so much for all you do!
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION (DE)

My old credit card was lost/stolen and the balances from that were moved to a new card number. As a result of that transfer, my rewards points ( {$47.00} accrued till that point ) should have been transferred over to the new credit card as well. The PenFed system charged me interest even though I was on AutoPay. That interest issue was resolved, however, the rewards issue has still not been resolved despite multiple calls and even an assurance provided to me by PenFed after a prior CFPB complaint. I even called and described this in a very long and elaborately detailed call with PenFed less than 2 weeks ago and I was informed that a ticket was being opened to address the issue and they now knew what was wrong. Today, I called and there was no clue about the issue on PenFed 's end. I am not sure what is going on.