davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AL)

My mortgage is with OCWEN. Each year when they renew my loan information I end up short in my escrow due to homeowners insurance going up or something they 've done. I always pay the difference so I can keep my monthly payment the same since I live on a budget. I called to verify the amount short and asked if it would remain the same if I paid the shortage or a little more, the lady with OCWEN said if I paid little more than what was short, it should be at the same payment or even a little less. I wrote a check for a few dollars more than what the shortage was & mailed it on XX/XX/XXXX. On XX/XX/XXXX I called OCWEN to see if they received the check because it still had not cleared my bank ; and what my payment would be. The lady I spoke with said yes they had received it and applied it, however my payment went UP a few more dollars instead of going down or remaining the same. So I paid a little more than what was owed according to the contract paperwork OCWEN sent me. I asked why and she said because my insurance went up. I told her they have never done business with me this way and that my payment should stay the same as it did in the previous years. She said they do n't allow the amount to go back to what it was anymore, I asked why & she said because my insurance went up. I mentioned again that this is what they stated on the XX/XX/XXXX updated loan contract, why does she keep blaming it on the insurance going up, it goes up every year and this has never been the issue. She said they just do n't put it back to the original amount anymore. So I said, not only did I pay more than what they said it would be short ; my payment is going up more, so I 'm just giving them extra money for nothing. Needless to say I 'm currently looking into refinancing with another company. Also as of today XX/XX/XXXX, the check I sent them on XX/XX/XXXX still has not cleared my bank, so I 'm going to call them again to inquire about it. OCWEN is a nightmare. I have never been late on a payment yet I 'm being treated as if I were not the customer but in debt to them regardless. Several years ago I had to file a complaint because I was paying a little extra and marking the appropriate box where I wanted this extra $ to go. OCWEN never applied it to my choice, they applied it to their choice so it messed my finances up. They eventually fixed it after I got a lawyer involved. Shame on these big bully companies for pushing around EXCELLENT customer. I have thorough documentation regarding the two conversations I had with the two OCWEN representatives, names and ID # 's.
Consumer complaint received 2020-11-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (PA)

Due to a health condition I fell behind in my payments. I informed XXXX financial of this prior to missing XX/XX/2019 's payment. As of XX/XX/2019 my account was 60 days late, I made a payment in XX/XX/2019 to satisfy both months. Again, communicating with Honda Financial in XXXX my account was 60 days I made a payment to satisfy the account and two weeks later my payment was returned. I contacted Honda Financial again via phone and was informed my acct had been charged off. I had received no notice prior and my account was no more than 60 days late in addition to my several phone calls with reps informing them of my situation.
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (AL)

Chase Bank took over a credit card account that I had with another company and raised our interest rates by 150 % without our knowledge or written notice. I contacted them about their deceit and the inappropriate raise in our APR and they said that I could pay off the debt but that was the only way to stop the interest accrual but they would not take back the extra interest already added for the previous months which totaled about a {$700.00} dollars. I paid off the account except for the {$700.00} that I felt was a malicious way to increase their bottom line when they had just received a bailout from the government. They kept adding interest to the interest and then sold the debt to another company. I contacted them and told them that this debt was paid and that they were trying to collect on interest charges that were illegally accrued on my account without my knowledge and that Chase bank had kept adding interest to an already balance that was only interest in the first place. They never contacted me again but this has damaged my credit. I am sure that this has happened to many many people and that they paid the extra interest without questioning Chase Banks practices. My credit card account was always paid on time and I had a 9.5 % interest rate when Chase took over they had raised my APR ( without my knowledge ) to 25 % and this all happened after they received their government bailout. I have copies of all my statements and records to back up my claim and when I contact Chase back and asked them to send me a copy of their letter that they stated they had sent to me about the raise in my APR, they mailed my a shrunken copy of their new customer pamphlet that the print was so small you could not even read it.
Consumer complaint received 2018-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

Never received notification of this " collection '' until it was placed on my credit. I dont know what this is and have never owed anyone anything. A dunning or validation notice was never sent and i have never had any dealings with CONSERVE.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXX, Chase Bank claims I allegedly defaulted on debts on XXXX separate accounts. In XX/XX/XXXX, they attempted to sue me. Having never been served with papers, Chase moved forward with the court date. Having no knowledge of the court date, I was in default judgment. Once I received a copy of my credit report, I noticed a judgment on my credit report. When appearing in court, I researched the initial filing by Chase bank as they sued me in lump sum of all XXXX accounts. The case was discontinued in XX/XX/XXXX by Chase and subsequently thrown out by the judge. In XX/XX/XXXX, I received XXXX form XXXX 's for XXXX of XXXX accounts. According to my accountant, I had to claim it as income earned and paid taxes on it. After sending multiple dispute letters to the credit bureaus, Chase eventually adjusted the balance to {$0.00} with the bureaus. After filing another round of disputes, Chase placed the original balance BACK on the credit report. They refuse to take it off, and claim the money is still owed however have no proof of how I owe the money and if I would like to voluntarily pay the balances ( after filing the XXXX ) they would remove the debt from the credit reports. When the account was at {$0.00} my fico score was above XXXX. Once they updated it again as bad debt, my credit score slumped to low XXXX 's. Banks are refusing to underwrite a loan because of them. PLEASE HELP!
Consumer complaint received 2021-09-10
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. (NV)

The following accounts are fraduletly reporting on my credit file. Im offically disputing these accounts, and demanding that they be removed and blocked from my credit file.

1. XXXX XXXX {$360.00} 2. XXXX XXXX  Account
Consumer complaint received 2021-09-10
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. (NV)

The following accounts are fraduletly reporting on my credit file. Im offically disputing these accounts, and demanding that they be removed and blocked from my credit file.

1. XXXX XXXX {$360.00} 2. XXXX XXXX  Account
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WV)

I have chime bank and I had XXXX transactions totaling XXXX unauthorized from my debit card so I locked the card on the app and called chime member services to report the unauthorized charges and they said my card was compromised and that they was issuing a new one in XXXX to 7 days I received a new card on Tuesday XX/XX/XXXX I called and reported it on Sunday the XXXX they priority ups next day aired my new card and told me that the transactions were pending and I needed to wait until the account settled to make a dispute so I wait until Tuesday the the XXXX they settled I started the dispute against the charges and XXXX hours later they send me a denied email saying no error occurred and that they stand by their decision and consider the matter closed so I called back to talk to the dispute team and they said file a rebuttal so I did and submitted screen shots only to get another email the same as the last saying they stand by their decision so I filed yet another rebuttal and submitted several screenshots and was emailed the same message again so basically they don't want to give me any of the money back
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One sent an email ( attached ) alerting me that due to inactivity my credit card account would be closed in XX/XX/XXXX, but until then it is restricted and can't be used, thus it is effectively already closed. This was the first correspondence I received related to this issue and was not given any time to make purchases to keep the account active. I believe this is a deliberate effort to cancel credit accounts of customers as banks worry about issues related to COVID-19. I have outstanding credit and a perfect payment history with this bank. I have multiple credit cards with other banks that have provided notices that activity was required to prevent account closures PRIOR to actually restricting or closing the account. This was the first notice I received. After calling the bank and speaking to two different CSRs I was told that the account could not be reactivated and that the credit could not be transferred to another product.

I believe per the terms of the The Credit Card Accountability Responsibility and Disclosure Act of 2009, banks are required to provide 45 days notice to consumers of any major changes to the terms of the account. This needs to be included in this provision. 

It is completely inexcusable for a bank to just cancel your credit card account without providing any notice or providing an opportunity to make a purchase to keep it in good standing. 

I am outraged that in the midst of a pandemic banks are allowed to indiscriminately cancel people 's accounts without due process. 

Please investigate this matter and determine if this a pattern with regard to how Capital One is handling their credit card customers. 

Kind regards, XXXX
Consumer complaint received 2016-06-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (DC)

On XXXX/XXXX/16 my bag was stolen containing all of my bank cards as well as my ID. I filed a police report with the XXXX XXXX police Dept. in XXXX. On XXXX/XXXX/16 in filed a claim with M and T bank making them aware of a number of fraudulent charges which had placed my account into a negative balance ( XXXX ). After several days I inquired with M and T Banks Dispute Claims Dept. and they informed me that the claims were denied. I asked the phone representative why they were denying the claim and they said I needed to write, sign and submit a statement saying that I did not make nor was I aware of the charges stated in the complaint. I immediately yet still the claim is being denied. In the interim my direct deposit from my employer went into the account which was immediately consumed by the existing negative balance. M and T did initially issue a credit for XXXX of credit card transactions however the bulk of the charges were ATM cash withdrawals. My PIN was not on the card however all my cards use the same PIN. Any review of the ATM cameras associated with these transactions should easily show that I did not make nor was I aware of these withdrawals. Your help in resolving this matter is greatly appreciated. 

Case ID XXXX and continuation of the Case ID XXXX
Consumer complaint received 2021-09-10
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. (NV)

The following accounts are fraduletly reporting on my credit file. Im offically disputing these accounts, and demanding that they be removed and blocked from my credit file.

1. XXXX XXXX {$360.00} 2. XXXX XXXX Account
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ADIR INTERNATIONAL LLC (CA)

An account with a company called XXXX XXXX has appeared on my credit report late last year. I called this company at XXXX to inform them that I had not applied for this credit card. 

They have taken more than 30 days to get back to me and now this fraudulent account is hurting my credit score. I have already provided them with a police report that documents this account as fraud.
Consumer complaint received 2021-07-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC. (FL)

On XX/XX/2021 my personal bank accounts were levied by Attorney XXXX XXXX for CashCall , Inc. All of my money, totaling {$2100.00}, was seized by a judgement gained against me in XXXX County Superior Court . My bank, XXXX XXXX, notified my after my money was seized in writing of this judgement, stating that, " by law they were required to deduct money from my account and they may withdraw money in the future in response to the legal order. ''
Consumer complaint received 2015-05-20
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

My mother is a victim of financial fraud. 
Someone contacted her via XXXX and managed her into sending {$1000.00} to XXXX. 

My complaint that Moneygram service ( located at XXXX store ) actually helped the fraud to happened. The elderly person ( she is XXXX ) walks in to the store ( and she does not look like she owns a fortune ), and send {$1000.00} cash to someone in XXXX. And she is from XXXX and obviously does not have any relatives in XXXX. Please review the practices and policies that Moneygram uses when they deal with an elderly persons.
Consumer complaint received 2015-05-21
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: M&T BANK CORPORATION (CA)

Issues wereXXXX. M & T Bank requested our credit report without our approval. 
XXXX. M & T Bank dispersed out property tax payment on XXXX XXXX, 2015, however the did not actually pay our taxes to the XXXX XXXX County Tax Assessor. Eventually we were able to have them pull our payment from their pending wire transfer and refund us. They did not pay us interest until we complained.
Consumer complaint received 2016-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services (IL)

In 2010, my student loans were being transferred to another lender. 
During the transition time, apparently the previous lender reported me late because I was making payments to the new lender and not Ed Financial. 

I have tried to correct this several times on my credit to no success. They keep reporting me as a " paid collection '' and a derogatory status on all XXXX credit bureaus. This information is incorrect. The loan was transferred to XXXX XXXX and has and continues to be paid on time. This is ruining my perfect credit score and is harming me. 
I ask that Ed Financial report this as Paid in Good Standing and closed.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Todays Date : XX/XX/XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

UNAUTHORIZED CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 1. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX OF XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX, XX/XX/XXXX XXXX. { XXXX XXXX } XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXXXXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX, XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX { inquiry date } XX/XX/XXXX, XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

Experian is reporting FIFTEEN of my accounts inaccurately. I have sent them TWO letters requesting them to do an investigation to update their inaccurate reporting. One in XXXX on 2022 the other in XXXX of 2022. They have yet to update this or even respond to wither of my requests in over 60 days. This is FCRA VIOLATION. 

Payments statuses are all reporting inaccurately- These need to be updated to the CURRENT PAYMENT STATUS, to PAID AS AGREED!!! 

Ive included both letters I wrote, as well asa copy of ALL FIFTEEN accounts credit report that they need to correct with the inaccurate information highlighted..
Consumer complaint received 2018-02-01
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. (WA)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the amount of {$120.00} was withdrawn from my Chase checking account using my debit card information. The total of the three transactions is {$370.00}. The transactions were paid via XXXX to three different people for Professional Services. I contacted the bank on XX/XX/XXXX to report the transactions as being fraudulent. The bank let me know on XX/XX/XXXX that the charges did not require any correction and they would let them go through the bank. I contacted XXXX and discovered an account in my name, but with an email address I am not associated with, was used to complete the transactions. The account was put on hold. I have been in contact with both XXXX and with Chase on multiple occasions to try and resolve this. They have each said it was the other 's responsibility to refund the money to me. They acknowledge the XXXX account was illegitimate. Today XX/XX/XXXX, I had a conference call with both of them. There is nothing they can do. They suggested I contact the recipients of the money to see if I could get a resolution.
Consumer complaint received 2017-11-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JMAC LENDING INCORPORATED (CO)

We had some financial troubles back in XX/XX/XXXX. I called our mortgage company and they allowed me to enter a repayment plan so that we could get back on track financially. We signed a repayment plan outlining the repayment terms. The repayment plan was outlined as follows : No payment in XX/XX/XXXX ; regular payment of {$2100.00} due XX/XX/XXXX ; {$3000.00} due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All payments were made according to the plan. In XX/XX/XXXX, my wife called to make our normal payment ( {$2100.00} ) and was told another payment of {$3000.00} was needed to make our loan current, which I do n't believe is correct. The only reason she paid the incorrect amount is because XXXX was adamant this is what was due to make the loan current. Nowhere in the payment plan I signed did it mention another increased payment for XXXX. I was told by the mortgage company that we paid a total of around {$680.00} in fees for the repayment plan. When I do the math, we paid about {$1200.00} in fees due to the XXXX payment not going back to our normal mortgage amount. Either the repayment plan was misleading or the mortgage company was mistaken in taking the amount they did for the XXXX payment. Either way I have a big issue with the way this was handled. I have called and talked to a couple different people and they can not explain the discrepancy, only " that was the amount due to make you current. '' with no explanation of why the repayment plan did not outline anything for XXXX.