davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Someone stole {$13000.00} out of my Chase checking account. I live in XXXX, and during a period of 2 days, there were several ATM transactions that wiped out my money. 

XX/XX/XXXX : 3 ATM transactions in XXXX XXXX ( a 8-hour drive from me ) : {$3000.00} {$500.00} {$500.00} One non-Chase ATM fee for {$2.00} XX/XX/XXXX : XXXX XXXX withdrawal in XXXX, CA ( 8-hour drive from me ) : {$2500.00} Non-ATM cash fee : {$75.00} ATM withdrawals : {$500.00} {$2500.00} Non-Chase ATM fees : {$2.00} {$2.00} {$2.00} {$2.00} {$2.00} XX/XX/XXXX : ATM withdrawals in XXXX XXXX ( 8-hour drive from me ) : {$3000.00} {$500.00} I contacted Chase on XX/XX/XXXX and notified them that I had not authorized those transactions, that I had the ATM card in my possession. I rarely used this card, and the last time this card was used was midXXXX at XXXX. I live 8 hours away from where transactions took place, and I was home during this entire time. My PIN number is not written on my card and I still have it. 

I received notice from Chase that my claim is denied because the transaction was authorized. The letter said I can call Chase " to request the information used for our research ''. I called Chase customer service and was told that the pin that was used was mine, there were no repeat attempts to pull the money, and that the money was taken out in my geographical area ( apparently Chase thinks that being within an 8-hour drive is the same geographical area ). The customer service rep said I can submit proof that I did not give my pin to anyone. When I requested the information they used in making the decision to be sent to me in writing, she said : " Your pin code was used. Do you want to write it down? '' She refused to send me any information in writing. 

I was in XXXX the entire time. I also have personal accounts with Chase, and I used my personal ATM card on XX/XX/XXXX in XXXX XXXX, CA. I couldn't have been in both XXXX and XXXX XXXX on the same day. 

Chase is refusing to take responsibility for a fraudulent withdrawal that wiped my money and refused to provide me with documentation, even exact locations of withdrawal.
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Razor Capital, LLC (MI)

I just received a random Garnishment on my new personal bank account. 
I did research and found out it's from a debt im unaware from XXXX ( XXXX XXXX XXXX ). 
The debt was garnished by a company named XXXX XXXX XXXX Razor Capitol . 

I have no knowledge of this debt which is from 2009 when I was XXXX XXXX  of age with no apt/home in XXXX.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was charged agregious fees by a rental car company. I disputed the charges with the credit card. The credit card 's dispute resolution team requested illogical documentation. They would not carry on the dispute unless I provided an invoice from the car rental company with showing the amount I argued was correct. In other words, the only way the credit card company would take on the dispute was if the rental car company agreed apriori the fees were incorrectly charged.
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COOLEY ENTERPRISES INC (TX)

On XXXX I requested a refund from XXXX XXXX for a service plan called in XXXX. XXXX. Per their policy this is refundable 30 days after the vehicle purchase which mine was on XXXX. I have requested that they issued the refund but have been given the run around by XXXX ( XXXX from accounting department ) and from XXXX ( XXXXdealersip general manager ) I request that they issue this refund for the service plan that was cancelled in the amount of {$1400.00} and send it to the lienholder at Lien holder mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CO)

I 've receiv ed four letters i n the last month fro m PHH M ortgage in reference approximately {$10.00} in additional escrow payments. Each letter I receive for additional money for my monthly mortgage payment is followed up by me with a phone call to their customer service. I always ask to speak to a representative in t he U. S. A. t o insure their is no language barrier.  <P/> My conversations with  PHH c  ustomer service representatives indicate their is no issue with my mortgage and I am current with my mortgage payments. Within a week of the above conversations, I received two letters form PHH stating I owe  them money for late payments, including the next months mortgage payments.  <P/> The most recent letter form  PHH states they have not received my current month 's payment and is a notice of the creditor 's ( PHH Mortgage ) intent to enforce a lien against my property. I followed up on this ( third ) letter to PHH customer service re presentative  XXXX   XXXX  who assured me there will be no lien on my property and my payments are current.  XXXX  advised  that PHH Mortgage is a large company and it is impossible to communicate with the person ( s )   who are responsible for late/missed payments.  <P/> To his credit,  XXXX   XXXX  sent me an e-mail indication my mortgage payments are current and no money is owed to   PHH Mortgage.
<P/>
This complaint is to inform CFPB that PHH Mortgage is sending harassing letters with false information to customers and continue to send inaccurate information to customers, via weekly letters to respond with additional money not owed to PHH Mortg  age.
Consumer complaint received 2019-04-11
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

Ocwen currently services a reverse mortgage my grandmother had. When she passed obviously her estate went through probate. unfortunately, Ocwen didn't understand this and kept saying they didn't care, the mortgage was due, even when I explained that I had no control over the courts. Finally I spoke to a supervisor who said that if I contacted them every so often to give them updates they wouldn't need to start foreclosure and they would wait for probate to finish. now, just a few months later they are saying the matter has been sent to foreclose, despite the cat that probate is still ongoing. I'm not sure what they expect and I don't believe I'm being treated fairly nor do I believe they are compliant with federal or state lending laws.
Consumer complaint received 2016-02-18
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America treated an outstanding customer with exceptional credit with horrible service. They took over 1 year to make a decision to deny my loan modification. This resulted in a payment now triple the amount. This delay prevented me from seeking other alternatives. They requested and re-requested information I had already sent for over one year. Further, Bank of America is encouraging me to default on my loan. Bank of America lied about the loan terms stating it was a 30 year loan and did not disclose it would change the terms after 10 years.
Consumer complaint received 2022-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NJ)

Just received a letter that I have a debt collection for {XXXX} from XXXX XXXX with the letter head mentioning the reference date of XX/XX/2022. The debt is from XXXX/XXXX/XXXX. I never had any contract, bill, service with XXXX XXXX. Do not know where this debt came from.
Consumer complaint received 2022-04-04
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. (SC)

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

In accordance with the Fair Credit Reporting Act XXXX the following accounts listed below 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 ( original Creditor ; XXXX AT T XXXX ) Account # XXXX, has violated my rights XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ( original Creditor ; XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX  ) Account # XXXX, has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX  ) Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, 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 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 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX / XX/XX/2022
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX / XX/XX/2022
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX / XX/XX/2022
Consumer complaint received 2022-04-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

This company lies and have put this debt on my credit report under false pretense. XXXX the XXXX has yelled at me, called me remedial and hung up in my face after I told her the debt was invalid and I want it removed. This debt was added to my report without. my knowledge. I was made aware of that debt after it had been ok my credit report. I did not speak with this company at all. They are telling me they spoke with someone regarding the debt but it was not me. They are lying and refuse to remove this invalid debt that I was unaware of. I want this removed immediately.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC (TN)

There's an inquiry on my credit report from Mariner Finance that I did not authorize. I have reached out to Mariner Finance several times to resolve the issue and get the inquiry removed but they will not respond.
Consumer complaint received 2015-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (CA)

Pinnacle as they do with so many consumers fail to address the issue at hand and think that simply proof that a debt accures is sufficient evidence to ruin people lives. Pinnacle has an F rating with the XXXX and they no longer except rebukes from Pinnacle for this reason
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX is listing loans not taken out with them, showing incorrect balances. All loans were with XXXX XXXX, which split to XXXX in 2014 ; however both XXXX XXXX and XXXX list the same loans, therefore each loan listed twice on credit report, once as XXXX XXXX and once as XXXX. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. XXXX updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. XXXX is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received XXXX charges to my Bank of America business account from XXXX XXXX, which were not made by myself. I contacted XXXX and they said those charges were not on my XXXX account so I would need to contact Bank of America. I called and filed a claim. I called a few days later to check on it only to be told to claim was never filed. I filed a claim again and called a few days later and the representative said my money would be returned within 10 days. I called in 10 days and they said they had rejected my claim because they felt I " did not have a sense of urgency. '' I made them reopen the claim. I called again in a few days only to be told they closed my claim again, and that there was no reason for the rejection noted on my account. I received a bank statement today telling me I owed {$190.00} because the XXXX XXXX charges caused me to receive XXXX overdraft charges. Now, I am being asked to not only pay them for purchases that were not mine, but to also pay a significant penalty for these charges.
Consumer complaint received 2024-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Integras Capital Recovery LLC (TX)

Integras Capital Recovery LLC filed suit against me for a debt on XXXXXX/XX/year>. Said company has not sent verification of said debt. Said company had lawsuit served to house sitter that was watching house while I was out of town for work. Said company has never reached out to me to attempt to verify or dispute the debt. Said company is not showing as holder of any debt on any of the credit reporting companies.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

I ordered a dress using my TD Bank Debit Card from company online company @ XXXX from their website XXXX on XX/XX/XXXX and paid XXXX. Throughout the course of the next 3 months the company gave numerous excuses via email as to why delivery of my dress was delayed ( I have all emails printed ). 

Finally I asked to cancel my order and for the money to be refunded to the card I used when the order was placed. I never received a refund. When I emailed the company again to ask about my refund I had been blocked. 

On XX/XX/XXXX after being unable to email the company I filed a dispute with through TD Bank. 

On XX/XX/XXXX I sent all necessary information including the emails where the merchant acknowledges they never sent my dress and promised me a refund for my unfulfilled order. I was given a provisional credit and told a thorough investigation would ensue. 

Three months later on XX/XX/XXXX TD Bank denied my dispute and reversed the provisional credit causing overdraft fees. I called that weekend as was told a new claim for the same dispute would be opened and to to call back on Monday to find out why initial claim was closed. I resent supporting documents on this day. 

On XX/XX/XXXX, at approximately XXXX XXXX I called TD Bank to ask why my dispute was closed. I was transferred to a supervisor named " XXXX '' who first told me my dispute was closed due to not receiving supporting documents. Supervisor XXXX later changed the reason the dispute was closed to because the original transaction date of the charge took place more than 60 days ago. Supervisor  XXXX was curt and short with inconsistent explanations. Supervisor XXXX stated she can not reverse the provisional credit and refused to waive the overdraft fees caused as a result. I told supervisor XXXX I felt this was unfair and that TD Bank is being negligent by refusing to investigate this matter and adding further hardships by charging me fees. 

On XX/XX/XXXX, I entered a TD Bank branch location XXXX XXXX XXXX XXXX, XXXX, FL XXXX and spoke with a branch manager who agreed to waive the over draft fees. The branch manger was unable to provide a provisional credit or provide any insight on the ongoing dispute.
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

The issue is in reference to the transferring of our servicing from XXXX to Fay Servicing. We were out of town for the XXXX holiday when the notification arrived at our home. We have our mortgage payments set up on autopayment. By the time we returned home the XXXX payment had already been made to to the former servicer XXXX. I called both servicing companies and was provided with assurances that this is fairly common, not to worry, it would all be OK. 
6 months later I have spent more than XXXX hours trying to resolve the error and now have 2 X XXXX day late and past due reported on my credit report. Fay servicing did not even have the correct loan payment information on our statement. 
We have provided a very detailed paper trail, email chain and conversations to Fay, with no luck. 
We feel this is a RESPA violation and should be addressed with just a little more urgency, then we will get back to you in 5 or 6 weeks, Thanks you
Consumer complaint received 2023-10-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (MD)

Please see attached BRIDGECREST RESPONSE to my initial complaint # # XXXX. 

Also, see attached my NOTICE OF CLAIM TO INTEREST. 

I will no longer allow XXXX XXXX, the Chief Financial Officer of BRIDGECREST and his compadres to mishandle my securities.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP (NY)

This is in reference to the Unemployment Keybank Card for XXXX New York, I would like to state the potential consequences for the damages suffered in the following case. The facts of the case are as follows : I reported fraudulent charges on their card to the unemployment office. The unemployment office requested that my client send a copy of their ID and the card number via fax. My client complied with this request, and shortly after, the funds were going to be used to put a down payment on a used XXXX for a total of {$40000.00}. However, the unemployment office has yet to send my clients card back since the information was faxed to them.

Based on these facts, my client may be entitled to damages due to the unemployment offices failure to return the card. These damages include the cost of the car, as well as any additional expenses my client may have incurred as a result of not having access to their funds, such as late fees, interest charges, and the cost of alternative transportation.

Additionally, there may be legal consequences for the unemployment office if it is found that they acted negligently or in bad faith. This includes fines or penalties, as well as potential civil or criminal liability. 

Today i was asked again to send my i.d . after confirming that this was done in XXXX and notified them of the fax and time. they still insisted today to fax the information that they already have.
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

Received repeated automated calls from several different numbers stating that action was being taken against me. When I press 1 to speak to a person, they say I owe a debt for a credit card that went to collections. Per the attached document, I settled this debt in 2015. Their response was that they don't work on commission so why would they lie. I don't care if you work on commission, I don't owe any money on this account, please stop calling. After several to attempts to explain that the debt is paid, they sent the attached letter saying that due to lack information provided, they have been unable to complete their investigation of my account. I then mailed them the attached letter showing no money due for the account in questions, and continue to receive calls.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

1- XXXX XXXX XXXX XXXX XXXX know where it came from or who did it but it says unspecified inquiry that i didnt make is fraud. i call the company they say the same thing. 

2- XXXX XXXX XXXX : I CALL the company provide them with my social and information and they cant find any information they told me to contact you you guys as well the cosumerfinance team they have no record of me or anything of the sort. 

3- US SM BUS ADMIN ODA : When covid 19 came a-lot of people was doing fraud on accounts and i think my was one of them dont recognize this inquiry please verify thank you. 

4- XXXX XXXX XXXXXXXX XXXX also made and inquiry to my report but they number never work is no way of contacting this bank and idk where did it came from please verify thank you.