davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

this account is still being reported " open " which is a VIOLATION " OF MY RIGHTS 15 U.S.C. 1692 ( G ) ( B ) according to " CFPB '' LAWS, this account was written off, discharge, and sold, I don't have an agreement with RESURGENT CAPITAL, please also provide me with the " ORINGINAL PURCHASE AGREEMENT with my wet signature along with payment HISTORY, and validation that you own debt and can collect of ownership, this account showing " open '' and inconsistent dates with all three credit reporting agencies PLEASE EXPLAIN TO ME A CHARGE OFF THAT THE ORIGINAL PURCHASER HAS SOLD AND BE OPEN WITH A BALANCE OF XXXX BUT RESURGENT IS REPORTING A DIFFERENT BALANCE THEN REPORT CREDIT AGENCIES WHICH THEY REPORTING, ^ RESURGENT XXXX XXXXXXXXXXXX XXXX XXXX WHICH IS AN INCORRECT AND THAT IN ITS SELF IS INCORRECT AND I request immediately removal of this inaccurate reporting from my credit file RESURGENT has " FAILED " TO PROVIDE WITH THE ABOVE, INCORRECT INFORMATION EVEN IF IT WAS XXXX XXXX " IS NOT ACCURATE REPORTING ACCORDING to fair credit act
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

On or about XX/XX/XXXX I was advised by Citi ( bank? ) that my Diamond Preferred Citi Master Card ( # XXXX XXXX XXXX XXXX in my name , XXXX XXXX XXXX ) was in late pay status by several days, I believe four or five. I was asked if I wished to make the late payment at that time directly from my bank, XXXX XXXX XXXX XXXX XXXX. I replied absolutely in that I was unaware that they payment had not been made. I also authorized the that the next payment that would be coming due shortly be made. Each payment was in the approximate sum of {$220.00}. 
The routinely checking account on XX/XX/XXXX. I saw that Citi had actually withdrawn by a check that looked identical to my own but was not, the sum of {$5100.00}. I immediately called Citi and was advised that the circumstances would require an investigation by them that would require ten to fourteen business days even though the initial conversation had been recorded by them. Upon hearing that, I did the following on the same day : `1. Requested my bank to return the check which they did : 2. Made the late payment on line ; 3.Established an automatic payment system monthly in an amount in excess of the normal payment ; 4. Canceled the card. 
The following ( or second ) day thereafter I received a call from Citi advising that they had done an expedited investigation and determined that there had been a " computer glitch '' and that they had taken the funds in error. I advised what steps I had taken so that the money was in fact in my account. 
On the XX/XX/XXXX I discovered that they had redeposited the check for {$510000.00}. My bank advised that it was to late to take any corrective action in that the check had already cleared my account. 
I again called Citi bank and they advised that they would begin an expedited process to return the funds, this time two to three business days. As of XX/XX/XXXX, the funds had not been returned. I again called and was told that it would take ten to 14 days to " investigate '' and that the matter had been run through 5 different departments. I asked to speak to a more senior person who stated that  she would look into the matter and get it resolved. Essentially, the same thing I had been told a week previously. I was also told that this sort of the happens routinely at Citi. I was promised a call back and that Citi had placed a " hold '' on my funds, whatever that means.
To date, Citi has held my funds 13 days, collected interest on same, overdrawn my account twice, caused at least six or seven over drawn charges on my account of {$35.00} each and caused me to  spend at least four hours ( each call to them runs forty five minutes to an hour plus several calls to my own bank of twenty minutes or more ). 
It is also apparent that Citi does this routinely ( there statement ) and thereby defrauds untold amounts of money from their customers, quite likely involving tens of millions of dollars considering their vast size.
Consumer complaint received 2017-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NY)

I recently paid off one part of my Navient Student loan. While the site does show that my loan is pain off it recalculated the payment for the remaining portion of the loan ( approximately {$2900.00} ) for 33 months at {$130.00} for a total amount of interest of {$1400.00}. while this makes great business sense for them I fele that there interest rate during recalculation of 30.85 % seems inordinately high for the loan having an interest rate of 6.05 % of the loan. I did contact them through the web site but did not yet hear back other than an automated response. I would just like to file to facilitate a resolution. As it stands the loan payment amount should be approximately {$96.00} mostly over the last 33 months at 6.05 %
Consumer complaint received 2024-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

I purchased a brand new XXXX XXXXXXXX XXXX in XX/XX/2024. It came with a warped/distorted windshield. XXXX XXXX XXXX, a XXXX dealership in XXXX XXXX, has been unable to help me get this figured out. 

They told me that this is a problem with all of their XXXX XXXX on their lot. The dealership went ahead and ordered a replacement windshield, but after the installation, we noticed that the warps are now even worse. The service XXXX could see this and he said it was just a problem with this type of car. He offered no resolution. 

We were given no heads up that this is a problem with this type of car, and wouldn't have purchased it if we had known. We expected that brand new cars wont have distortions in the front windshield. 

There are visible distortions across the entire front windshield that are notificable even when driving. This is really unsafe. 

Its very frustrating to have problems like this with a brand-new car. I've had Hondas my entire life, and am really disappointed that this is now the standard quality of their products and service. 

Is there anything that you can do to help? The service XXXX at this dealership has offered no solution to this problem and it doesn't seem like we will resolve this at the dealership level.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On the night of Sunday XX/XX/XXXX, I was XXXX of the professional photographers for XXXX of the XXXX  artists performing at the XXXX XXXX XXXX XXXX XXXX event at XXXX XXXX XXXX  XXXX XXXX XXXX. 

XXXX XXXX is a large venue in XXXXXXXX XXXX XXXXhat can host up to XXXX people. I believe I may have been drugged and then my cell phone, debit card and credit card were stolen. My XXXX  card and phone were used together to make the following unauthorized transactions ; XXXX. XXXX SENT XXXX XXXX BALANCE. {$4500.00} XXXX. XXXX PAYMENT TO XXXX XXXX. {$5000.00} XXXX. XXXXXXXX XXXX NAME : XXXX XXXX ENTRY DESCR : TRANSFER SEC : XXXX XXXX XXXX XXXX XXXXXXXX. {$410.00} XXXX XXXX  DEBIT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX$900.00} XXXX. XXXX DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XXXX. CASH XXXX PAYMENT TO XXXX XXXX. {$1200.00} XXXX XXXX CHASE BANK as soon as I realized what happened. CHASE BANK denied my claim and has not been helpful.
Consumer complaint received 2024-03-02
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pressler & Pressler, LLP (NJ)

PRESSLER, FELT & WASHAW, LLP violate my personal and private right and also sue me without proper documentations and are refusing to send me requested documentation from my person to them. Also with out a judgment act they violate my right asking me question by phone as, " If I Rent or Own a property '', " Name of Employer '' and Source of income. The whole phone conversation as recorded by my person and as Uploaded on my personal XXXX XXXX, and will be use for courts matter against this company in the future Link to recorded conversation : XXXX XXXX XXXXXXXX? XXXX 

PRESSLER, FELT & WASHAW, LLP keep sending me true mail the same invalid documentation over and over again ( see Attachment ), but till this moment they couldn't provide me with the following Documentation. 

XXXX. Signed and Dated contract between me and XXXX XXXX. 
I request this document by now, WHERE IS MY SIGNATURE on Paper? 
XXXX. Signed and Dated contract between me and PRESSLER, FELT & WASHAW, LLP. 
XXXX. Full Account XXXX of XXXX Account XXXX. No 30 days notice letter to Dispute this XXXX. 
XXXX. Settlement offer via MAIL XXXX. Privacy Notice XXXX. Chain of XXXX XXXX. Assigned XXXX XXXX XXXX. Proof of Contrast By now and due the FACT that PRESSLER, FELT & WASHAW, LLP couldn't provide me the above documentations and on time I doubt this Debt is mine and think this a Mistake of Fact and or maybe we need to talk here about a Identity Theft on my person.
Consumer complaint received 2021-04-22
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. (FL)

This is a formal complain regarding my credit report. Suddenly, I found account and inquires in my profile that do not belong to me. I do not recognize them at all O tried to contact these companies however they never pick up the phone, I am sure that someone just used my personal information and as a result I am a victim of identity theft. This situation is damaging my score and credit and I my financially suffering now. Please remove them asap
Consumer complaint received 2024-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

After reviewing a current copy of my three burea ( XXXX, XXXX, XXXX ) credit report dated XX/XX/XXXX, I found the following collection : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Lender : XXXX XXXX XXXX XXXX XXXX XXXX Name : Seq Fin Svcs Date Assigned : XX/XX/XXXX Original Balance : {$100.00} Current Balance : {$160.00} Please note that I dispute the above-referenced debt. Therefore, please have this agency verify this debt as required by the Fair Debt Collection Practices Act and the Rosenthal Act.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Albert Corporation (NM)

I am filing a complaint against Albert Corporation concerning unauthorized charges related to their Genius subscription service. Despite not authorizing or utilizing this service, I noticed recurring monthly charges of {$14.00} starting from XX/XX/XXXX, until XX/XX/XXXX, totaling {$250.00}. 

Upon discovering these charges, I promptly contacted Albert Corporation to request a full refund for the unauthorized transactions. Initially, Albert Corporation responded by issuing a partial refund of {$89.00} and canceled the subscription. This action was taken as a resolution to the complaint I raised regarding the unauthorized subscription that I explicitly indicated, through the account settings, I did not wish to continue. Despite this clear communication and subsequent cancellation, the partial refund does not cover the full extent of charges incurred over the specified period. 

The dispute centers on the fact that these charges were made without my consent, and the service was neither authorized nor used by me at any point. Albert Corporation 's offer to refund only a fraction of the total amount is insufficient and does not fully address the unauthorized financial impact on my account. 

I am seeking intervention to secure a full refund of {$250.00}, which represents the entirety of the unauthorized charges imposed by Albert Corporation. The resolution offered by the company thus far fails to adequately rectify the situation or align with the principles of fair and transparent billing practices.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

I have new information verifying my dispute on XX/XX/2023 for {$2400.00} with XXXX XXXX. 
I called to open the reopen the dispute because the company has verified I did not make the transaction or plane flight. 
American Express is not allowing me to reopen the dispute.
Consumer complaint received 2024-03-01
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: JPMORGAN CHASE & CO. (CA)

Ive encountered significant issues with Chase Bank Credit Card representatives. They seem to be biased toward a particular merchant, even though I didnt receive the complete service I paid for. Despite presenting evidence, documents, and witness statements that clearly demonstrate the merchants failure to fulfill their promises, Chase continues to reject my claims without providing satisfactory explanations. To make matters more perplexing, each time I call, the representatives offer varying accounts of the situation.

Ive been inundated with lengthy documents that unequivocally prove the service was not delivered as promised. However, Im at a loss regarding how to persuade them that merchants arent infallible.
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (IL)

XXXX, I closed this account due to transferring service to XXXX almost a year ago in XXXX and they keep charging me after Ive paid through XXXX. I spoke to many different associates on the phone for over hours each time both times they told me they resolved the issue but now I found I have another bill that is in now collection. Im so frustrated I feel lied to and betrayed because honestly I feel Ive overpaid to XXXX after I transferred service and Ive asked them to review my account in XXXX and nothing, now I have a phone bill that Ive cancelled im being charged and is now effecting my credit!!!!
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo denied my claim for XXXX for XXXX it was fraud I didnt authorize these to go through. Wells Fargo support has not been helping at all I actually called around 32 times this week and out of that 5 times I was rudely just hunged up on. And I opened a report with the XXXX  cfpb and occ and they still dont want to help. They werent following any regulations and I want my money back asap. Or i will be getting a lawyer and telling this too all the news outlet and I will make a big deal out of this even if it cost me all my money! Another guy I spoke too was called XXXX XXXX he is the escalations representative. I called him more than 10 times and every time just went to voice mail! And I also talked to XXXX of the Senior escalation department this XXXX was the rudest of all idk why she act like she owns the world but she is the most XXXX  rudest person I have ever met in my life idk if she was XXXX XXXX XXXX or had a bad day but she was extremely rude! Wells Fargo also isnt following any of the regulation that is put on bank there extremely scummy and wont tell me why my claim was denied!
Consumer complaint received 2024-03-01
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My maternity leave began, and I was approved for benefits through the state of california. 
I was told to contact Bank Of America EDD card holder services, to inquire about the card I was to be recieving benefits on. 

When I began contact with BOA, I provided all of my natural born and true information, and was told I could not be verified and I needed to head into my local branch to provide forms of identification in order to gain access to my account. 

When gaining access to my account I was informed all the information was changed to information that did not belong to me, benefits were being recieved and spent on my behalf. 

I went through the process of filing a claim, it was filed in 2 different parts one for XXXX dollars and one for XXXX. 

After initially denying both claims, they approved the XXXX dollar claim but have yet to approve the XXXX claim. I have filed several grievences, complaints, and spent hours on the phone being reasssured that the claim would be properly investigated only to call the next day to find out they denied it without any further investigation. 

I have provided my ID as well as a copy of an Identity Theft Report in regards to these claims as well as multiple accounts opened in my name. 

I am being refused any coperation from the bank, when there is substantial evidence supporting my claim.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2020, Chase Credit card company charged the account ending XXXX in the amount of {$25.00} for a late fee. We have sent payment via US postal mail and credit card company claimed that they never received the payment. 

We have been with this company for 30 plus years and we explained to them that somehow, the US postal did not deliver the mail or the US postal delivered the mail and was lost within the credit card company.

I explained to the Chase Credit Card Representative that we pay on time every month and we would like a credit of {$20.00} back to our account and also any interests that were charged to the account. The Chase Credit Card company refuses to credit our account. 

A minimum payment was sent electronically within the website of Chase on XX/XX/2020, as soon as we found out the problem. 

However, it appears that our payment history paying off the balance every month does not matter to this company. 

We would like to dispute this charge the fact that they either lost the payment or US postal did not somehow deliver the payment. 

XXXX XXXX
Consumer complaint received 2024-03-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Onity Group Inc. (FL)

In response to XXXX, I have certified mail XX/XX/2024 a Notice to Dispute, to PHH Mortgage along with XXXX XXXX XXXX please see attachments. Please put XXXX XXXX XXXX XXXX along with any consumer reporting agency on notice as well. 

Ive also emailed XXXX XX/XX/2024 regarding my account as well. I am demanding Revocation of Security Interests along with releasing the real property from escrow by settling and closing the account for my security interests and proceeds. 

I will continue to stress I did not give ANY consent to any of these consumer credit transactions regarding my security interest to any of these institutions. I demand my claims and all rights reserved to me for all these years of security fraud. Under the XXXX XXXX XXXX XXXX, the name and the signature of both the beneficiaries and the original creditor must be disclosed in the same document. XXXX ( d ). The signature of the borrower must be included as well as into the assignment or the transfer ; unless a clause in the deed of the trust/mortgage waives it. 
PHH has failed to provide my requests repeatedly.

They are in violation of CFR laws, breaching US codes and ignoring the securitization process ( FAS 140 was not sent ) which is unlawful, because once my security was sold, PHH has lost the ability to control or enforce any rights on its behalf. In simple words they are not the Real Party of Interest, simply a servicer. I need all these shareholders to forfeit whats rightfully mine. 

( See attachment Notice of Dispute ) Seeking arbitration Please provide me with the total amount from the itemization of the loan disbursements, the loan charges, the current principal balance, and all payments received from me, so that you may compensate the exact amount needed for tender. 

( See Remedy For Relief Below ) Thanks Without Prejudice /s/ XXXX XXXX XXXX UCC1-308 All Rights Reserved
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Persolve, LLC - Legal - Series 2 (CA)

original judgment date entered on XX/XX/2011 total judgment {$7200.00} + interest after judgment total {$14000.00} What happened was I paid this collection off 6 -8 yrs ago. My credit report show that I have paid off all my collections but its been so long I have lost proof of payment.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Aspen National Financial, Inc. (PA)

With the assistance of All Clear they called Aspen National Collection to see why a collection account was placed on my credit file, called at XXXX speaking to XXXX XXXX, attempted to explain an issue that was under court order for my ex to pay since in settlement she received the money to pay he was rude, did not want to discussed and said it was a waste of his time and just hung up. It is a Time Share issue in our joint names and he claimed that only I was responsible and that if I was not making arrangements to pay he did not want his time wasted. All Clear stated to file this complaint since even after getting authorization from me for them to discuss the issue he just hung up on us.