davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Amsher Collection Services, Inc. (NC)

I have received a copy of my credit report and it shows company AMSHER COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$220.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Bank of America refuses to accept accountability for the failure of their autopay system to pay a bill on my credit card, leading to a late payment reported to the CRAs.  I have never had a late payment in my life and have autopay on all my cards.I'm in the process of purchasing my first home and the falsely reported late payment caused my credit score to drop 106 points.BoA refused to take any action for this.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (IL)

On XX/XX/2019, a purchase from an organization titled as " XXXX '' appeared on my bank account for an amount totaling {$72.00} plus a {$2.00} international service fee from the same organization. I did not purchase any product or service that day and did not know about the transaction until my financial institution, TCF bank, alerted me of possible fraudulent activity. I had told them that I had not instigated the transaction, so they went forward by freezing my account. I was not automatically refunded for my money, as I was told that I was responsible for calling the organization to issue a refund to my account. After being given the phone number of the organization, I attempted to call and was never able to contact someone. At this point, I expected that the organization may be illegitimate and asked my bank to contact the company since I had no luck talking to someone. Afterward that conversation with TCF bank, I was instituted a provisional credit for the amount that appeared to be stolen from my account. On XX/XX/2019, my provisional credit was reversed. I was told that after investigation, they had come to the conclusion that I had benefited from the transaction made to the organization. When I asked how they came to this conclusion, I was told that the details of my case could not be provided unless I submitted a written report to my branch or mailed it in. I was unwilling to do this, as I did not believe that further investigation would cause TCF to change their mind and I was already frustrated at the amount of time I had spent trying to get my money back, figuring that the extra time would probably not be worth the money that was stolen. I still do not understand how they believe that I benefited from the transaction after they flagged the payment as possibly fraudulent, especially when I have had no other history of suspicious activity on my account for the many years that this account has been open.
Consumer complaint received 2019-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Our house had smoke damage to the dwelling and fire damage to landscaping and fence related to the XXXX fire on XX/XX/2018. My insurance company made checks for XXXX payable to myself and OCWEN for the repairs. OCWEN has been holding on to the funds and has very intentionally slow walking the process of getting funds so we can make repairs and refund for the repairs we already made. My wife has XXXX and she is being physically harm by their systematic intentional delays as she has to choose to live in our house or incur extra cost for alternative living location. 

We have already drain our life saving to make the repairs we have already made. I have had to pause the repair while we wait for OCWEN to release my fund that they are holding. 

We had an inspection on XX/XX/XXXX for the property hire by OCWEN. the inspector says we are easy more than 50 % done with the repairs. The OCWEN rep says they are having known system issue in obtaining the inspections report. In the mean time we are greatly suffering from the intentional delays.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION (PA)

M & T bank is charging customers {$50.00} to close their accounts if it's within 6 months of opening the account... The bank is hostile, rude and incompetent where i live and I shouldn't have to pay them to terminate service with them for being a XXXX bank .... 

Is this legal?
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NE)

My mortgage loan was transferred to Shellpoint Mortgage Servicing ( " Shellpoint '' ) aka NewRez effective XX/XX/XXXX. The servicing of my mortgage loan ( collecting payments, paying taxes and insurance etc. ) transferred from Ditech to Shellpoint at that time. My previous house payment was {$300.00} which was debited from my bank account which kept my loan payments consistent and current. I had no previous concerns with my home loan that I'm aware of. According to the notification letter I received from Shellpoint dated XX/XX/XXXX, the change did not affect any terms of my mortgage contract other than those related directly to servicing my account. The coupon attached to the letter reflects a significant change in payment amount and was " back '' dated by several years which has left me extremely confused since a current payment of {$300.00} was sent back to my bank in the form of a cashiers check ( # XXXX ) with no explanation of why or how the loan amount has changed. I made numerous efforts to reach Shellpoint by phone but ... ... .to no avail. Since I haven't been able to reach Shellpoint by phone I made a " good faith '' effort to send another cashier 's check ( certified return mail ) in the amount of {$460.00} which to date has not been deposited or returned. I've received no explanation as to why the loan amount has changed or why I'm not receiving any written correspondence to the contrary. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) because I've read alarming reviews of Shellpoint Mortgage Servicing ( dba ) NewRez that is extremely concerning. I believe I am being denied " Due Process '' under law which leaves me in a vulnerable state of confusion and a possible foreclosure premise which I do not wish to be a victim of. I did not ask that my mortgage be put into the hands of what appears to be a " predatory '' mortgage company. There is documentation that show Shellpoint has be sued numerous times for unsavory business practices. The CFPB notes that on XX/XX/XXXX Shellpoint " again '' tops Monthly CFPB complaints!!!! Please assist me in finding out what's happening with my mortgage loan at the hands of this company and how my concerns and mortgage payments can be applied to my account and prevent any default of my home loan.
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES.BLOCK AND REMOVE THEM. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2019-03-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A checking and savings account was opened fraudulently under my identity at Bank Of America in Georgia. Date Opened : XX/XX/2016 Date Closed : XX/XX/2016 Balance Owed : {$0.00} I was referred to XXXX XXXX and nothing has been resolved with Bank Of America directly. I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report and my credit report showing the items that I am disputing.
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In XXXX we were informed that Specialized Loan Servicing LLC was now in charge of our mortgage loan and at this time we made the proper arrangements and send a XX/XX/XXXX payment of {$1800.00}. this payment was for {$1300.00} plus impounds same payment made for the last six months. On XX/XX/XXXX we received a statement informing us that our payment was now {$2100.00} plus impounds totaling {$2600.00}. My wife called on XX/XX/XXXX talked to XXXX and was told that they would look into it. We received a statement dated XX/XX/XXXX stating that we now owed {$4200.00} to bring our payments current. On XX/XX/XXXX I spoke with XXXX and he looked at my loan note and saw the discrepancy in payments and he had XXXX a supervisor contact me and she also looked up the loan note and opened a ticket to look into the discrepancy was promised a call back and never received it. After repeated calls they stated they were looking into it and a target date of completion would be XX/XX/XXXX. 
On XX/XX/XXXX we then received a refund of {$350.00} from our property insurance company as Specialized had send them a payment that was not due till XX/XX/XXXX. Shortly after Specialized send us a statement saying that our escrow account was short. I quickly called and complained about their misuse of our impounds and how our payments were wrong. They put in a ticket for that to be fixed also. 
We received a new statement dated XX/XX/XXXX that showed we now owed them {$5100.00} to bring account current. I managed to talk to a Supervisor named XXXX and he stated there were now two tickets to investigate problems on our account ticket XXXX XXXX payment discrepancy XXXX and XXXX ( impound XXXX. Reviewed my account history and it still showed the higher payment of {$2100.00} and he further informed me that the payments I have been making were being held in suspense because of underpayment. 
It is now XX/XX/XXXX and as of todays call nothing has been done. A resolution to this problem needs to be completed as it is illegal to charge any higher payment than what is in your mortgage note and misuse of impounds
Consumer complaint received 2019-03-15
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: First Data Corporation (TX)

I have a debt showing up on my report from XXXX XXXX XXXX XXXX XXXX dated on XX/XX/XXXX for the amount of XXXX. This is money not owed by me. I was the beneficiary on the account but never on the account for writing or cashing checks. Ive sent a letter in the past to TeleCheck about this from the Credit Union stating I was never on the account, but they investigated it and said it was correct. I need this off my report. Its been 7 years since this was reported also. This money is owed by XXXX ( XXXX ) XXXX. 
There is also an amount showing for XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX  and again I was never on the account only XXXX ( XXXX ) XXXX. I also sent this matter in and was told it was correct. 
Ive talked with both financial institutions and this information and they both stated I was never on the accounts. 
I would like both of these matters to be investigated once again to remove these negative reports on myself.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

I have a loan with Chase/Amazon Card. I have always made my payments on time. For some reason, I realized that there was late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX with no successful resolution. There was definitely an error on their part. I was never late.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (GA)

The purchase made on XX/XX/XXXX at the Ashely store in XXXX XXXX XXXX, GA for the total amount of {$2700.00} was not signed by me. This specific store has orchestrated fraudulent steps. Which led to the delivery of the wrong items ordered and sent. The attached signed sale XXXX sale for XXXX does not have my signature. All items were cancelled at the store. I have attached a copy of my drivers license for you to match signatures. 

Returned the next day XX/XX/XXXX, I ONLY made 1 purchase on XX/XX/XXXX ( Where is this sale receipt? ) 1 bed frame for {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX : XXXX Instead, Ashely sent XXXX XXXX XXXX XXXX XXXX : XXXX. 

As soon as I realized of the error. I rejected the delivery, I contacted Ashely store in XXXX XXXX, I tried talking to several people, I never received a response. 

I have attached a copy of my drivers license for you to see how this specific store has managed to falsely print my name on their documents. 

I sent a certified letter on Synchrony bank it was received XX/XX/XXXX USPS tracking XXXX requesting an investigation. Its been more than 30 days without a response If synchrony made a proper investigation, synchrony would have realized that Ashley made a BIG mistake, they ordered the wrong items that I DID NOT approve, Ashley made a huge typo in my order, so they sent me the wrong item, Ashely sent Item : XXXX INSTEAD of Item : XXXX. Can you not see the error/ typo, the BIG ERROR Ashely store made? 
And they still have not corrected?? I didnt no authorized or approved for item Item : XXXX to be sent to my home., I didnt signed for the sale, In addition, Ashley store had not contacted me or have try to resolve the issue, I have made several attempt and they never call back either. I have been in touch with XXXX ( store manager ) and XXXX ( office manager ) and no resolution. 


Needless to say, Im terribly dissatisfied with Synchrony handling my case. I, in no way should be responsible or pay for items that I didn't order, authorize or approve and most importantly never received. 

Briefly, I am requesting synchrony to correct the error on my account promptly, that any finance or other charges related to the dispute amount be credited to my account, and make Ashely store take responsibility Sincerely XXXX XXXX
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021. I applied for chase southwest rapid rewards card online. As advertised, the issuing bank agree to provide a statement credit of {$200.00} at the time I was approved for the credit card. Okay, I was instantly approved online for the credit card and called customer service to retrieve the credit card number to book a flight. The customer service representative acknowledged I was approved but was NOT able to provide my new credit card number over the phone because of privacy issues. Okay fine. I waited for the credit card to arrive in the mail as suggested then I booked several flights since I received the new credit card. Today XX/XX/XXXX, I received my credit card statement in the mail and NO statement credit of {$200.00} was applied to my credit card statement as advertised at the time I applied.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written i
nstructions
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX The companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. 
I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account. 
Thursday, XX/XX/2018, I called XXXX XXXX Company. I spoke with a XXXX XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of {$550.00} was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed. The alleged debt was sold to who XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX for {$550.00}. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who XXXX XXXX XXXX is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report. 

XXXX XXXX XXXX XXXX UNVERIFIED XXXX XXXX UNVERFIED
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX I was on XXXX and came across a site selling XXXX XXXX XXXX headphones and decided to purchase a pair on a website address " XXXX '' for {$82.00}. I placed an order this same day and noticed after placing the order something didn't seem right because I didn't receive a confirmation email, a tracking number, or any correspondence so I took a screen shot of the site. I noticed the next day the money was withdrawn out of my bank account but by a different company named XXXX. I went on XXXX and noticed this was not the site I placed the order from and the site was a military site selling military merchandise. I went back on the original site I ordered from " XXXX '' and reached out 2 times to contact the vendor via a link on the site " contact us '' they do not have a phone number to call. I have never received a response from my correspondence and still as of today XX/XX/XXXX I HAVEN'T received the merchandise. I called my banking company to open a claim on XX/XX/XXXX. they credited back {$82.00} to my account temporary while they investigated. I received a letter on XX/XX/XXXX denying my claim because XXXX advised they sent an email to the customer ( me ) to pick up the goods and showed the package was signed for on XX/XX/XXXX. I have asked for proof of an email and proof of a signature that I picked up and I am not getting any response and my bank has taken back my credit of {$82.00} today XX/XX/XXXX. I have re-opened my claim with my bank and was told about your site and you being able to assist.
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation (NY)

Dear Sir/ Madam, Thanking you in advance for your time and attention -with regard now - my complaint with Performant Recovery , Inc. which continues to date to harass me with bogus ( absolutely false ) claim of money due and in addition " delinquency '' as well - with the possibility of other charges if no response by me within 30 days. 
This is in regard to sales taxes- my company is not active - no sales were made! Therefore no money was made and in addition the demand for delinquency funds is ludicrous! 
This began at tax time last year XXXX - as is now the same - with a letter as is now - and several phone calls going back and forth - with the involvement of my accountant which was solved - finally! 
However, it is starting up again, and involving the collection, and for the same time period which is well passed ( obviously fraud ) XX/XX/XXXX ( twice ) Although there is no amount due - but a delinquency charge, of which there should be none - and could become absolutely unbelievable, with erroneous charges mounting and sky rocketing with delight for them! 
As well - their delight, perhaps, in disturbing and aggravating my day with such a nasty trivial matter which could also alter my standing as decent and reputable!!! 
Thank you ever much as I remain, Cordially yours,
Consumer complaint received 2021-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

We took our XXXX car that is covered under warranty and that we are still making payments on to XXXX XXXX XXXX because a warning light lit up on the car 's dashboard. XXXX XXXX XXXX inspected the car and told us that repairs would be {$470.00}. I said told XXXX XXXX XXXX that we were still under warranty on our vehicle. XXXX XXXX XXXX refused to honor the warranty. They also refused to allow us to leave with our car, saying they had drained all the oil from the car and that we could not take it until we agreed to let them repair it at our expense.
Consumer complaint received 2020-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I got a quote from XXXX XXXX for insurance when I purchased a home in early 2019. I went with a different insurer. I did not agree to purchase the XXXX XXXX policy and thus I have no responsibility for this alleged debt. XXXX XXXX kept sending bills. They sent this invalid debt to a collection agency, CCS. CCS is now attempting to collect the debt. I sent proof of other insurance to CCS in 2019 to document that I have other insurance and never purchased a policy from XXXX XXXX. I also formally disputed the debt. CCS continues to attempt to collect this invalid and disputed debt.