davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (CA)

Went on line to pay my Credit card in Full -- wording says- to pay in full -- I paid in full but when I got my bill there was still a finance charge applied -- why did they say to pay in full??? Also my statement has the same verbiage -- shows I should have a XXXX balance but they still are charging interest
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX I am writing to report an unauthorized transaction that occurred on my Coinbase account. On XX/XX/2024, at XXXX XXXX, a transfer of XXXX XXXX, equivalent to - {$720.00}, was made to the wallet address XXXX. 

The following details outline the unauthorized activity : - The transaction was carried out without my knowledge or consent. 
- The device ( s ) used to access my account were not in my possession during the transaction.

- There was contact with customer service representatives during this time.

- No unusual phone service interruptions or incidents of phone porting/sim swap were reported.

- No unrequested emails or SMS messages claiming to be from Coinbase were received.

- I do not have any remote desktop software installed on my device.

- There have been no recent installations of software or browser extensions on my device.

Upon further investigation, it was found that the transaction failed to fully complete. I am unfamiliar with the recipient and have no knowledge of their identity. These circumstances raise concerns about the legitimacy of the transaction. I kindly request your assistance in investigating this matter and potentially recovering the funds.

Your prompt attention to this issue is greatly appreciated. I look forward to your response and a resolution to this matter.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XXXX XXXX XXXX XXXX  = this account was prepaid the card was Supposed to draft AUTOMATICALLY OUT of my account it NEVER did happen so i close this account XXXX THE BANK REPORT LATE PAYMENT AND on XXXX XXXX late i would like the bank to remove this this account is closed XXXX ) NISSAN MOTOR ACCEPTANCE this was reported as late on XXXX & on XXXX XXXX & on XXXX XXXX XXXX on XXXX XXXX i would like to get the late payment remove 3 ) XXXX XXXX THIS IS NOT ME REPORT ON XXXX XXXX FOR {$250.00} PLESE REMOVE ASAP 4 ) XXXX XXXX XXXX XXXX XXXX XXXX FOR MY XXXX XXXX  XXXX THIS IS AGAINST THE HIPAA LAW CAN NOT PUT THIS ON MY CREDIT TAKE THIS OFF MY REPORT XXXX ) XXXX XXXX XXXX {$370.00} THIS IS XXXX XXXXXXXX  PLEASE TAKE THIS OFF MY CREDIT REPORT. XXXX
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I went to check my checking account this morning and it was open then when I checked it again it said account locked. I called Bank of America and they told me my account was closed and I asked why and they told me it was no explanation and it was a business decision. I had funds that was suppose to post today and also had {$10.00} in my account I cant access. First Friday they had a outage which caused my transaction to never be processed and me getting my car repossessed to this my account being closed for no reason while I had funds in it.
Consumer complaint received 2020-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

In trying to establish a stock account with XXXX and XXXX, a deposit must be made. PNC will not allow these institutions to connect with my back account. This is not an available funds issue as I currently have over XXXX available. Any help to resolve this issue is greatly appreciated.
Consumer complaint received 2016-12-16
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2016 I received a call from a representative from the loan processing center of Bank of America regarding a recent application the under review. I believe there was premeditated intent to mislead me with the intent of gathering a statement from me with misleading questioning designed to profit their case against against me, under false pretenses this conspiring to deny me rightful credit approval has been propagated by several individuals therefore I suspect collusion. A further inquiry of this phone conversation will reveal several co-conspirators of this malfeasance of civil rights violations of fair lending? I am a minority and I demand an accounting of this habitual antagonistic contentious pattern of behavior towards under-represented people borrowing from institutions who were themselves saved with bail out money from ordinary people, like myself who pay their taxes.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (CA)

From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXXEmail : XXXXPHH Mortgage Service loan number : XXXXRegarding : PHH Mortgage Servicer Loan Modification DenialOn XXXX XXXX, 2015, I was notified by PHH Mortgage Service Loss Mitigation that my loan modification was denied because of too much expenses, I have requested for an explanation. On XXXX XXXX, 2015, I received a Decision Notice ( denial ) letter of XXXX pages, ( exhibit A, B, C, D, E, F ) and XXXX pages of Income and Expenses Worksheet ( exhibit G, H, I ) via email and fax. On PHH Income and Expenses worksheet they stated that my expenses is {$6400.00}, which is completely inaccurate and deceivable figures. On XXXX XXXX, 2015, XXXX XXXX XXXX supervisor PHH Mortgage Loss Mitigation called me, I 've asked him why did you calculate this figures as part of my expense such as all the credit cards that I do not pay on and are delinquents and charged-off, and most of the other figures are outdated and inaccurate because it has been about XXXX months since I submitted my loan modification documents and even a monthly payment and the amount I owe on a mortgage on a house that I have not owned in over XXXX years? he basically stated that those figures are correct because they show up on my credit report and for me to contact those companies and have them remove it from the consumer reporting agencies. I asked my case manager from PHH Loss Mitigation why is the XXXX pages of Income and Expenses Worksheet has XXXX Investor XXXX, she said they are the one who owns my loan, I asked why is it in the Denial XXXX pages letter it states that XXXX Bank XXXX XXXX XXXX is the owner of my loan, she does not know. 
When I submitted my loan modification documents in XXXX 2015, XXXX XXXX XXXX XXXX XXXX was the owner, then XXXX XXXX foreclosing on my house and now XXXX XXXX denied my loan modification. Three different banks own my loan in less than XXXX days. I have presented this case to XXXX Housing Council of XXXX, Housing Counselor XXXX XXXX, she told me that PHH is wrong and she wrote a letter XXXX exhibit J ) stating that which I forwarded the letter to PHH. 

After consulting several agencies, I dispute the denial of my loan modification decision that was made by PHH Mortgage Servicer and whoever owns my loan. 
I demand a stop to the foreclosure of my house and I appeal to the owner of my loan to review this case. I also urge the Consumer Financial Protection Bureau to investigate this matter before the bank takes my house with their inaccurate figures
Consumer complaint received 2022-08-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

Dear Sir or Madam : Commenity CapitalXXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX I trust this message finds you well. 

I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Given the nature of the situation, I am seeking your assistance in initiating a credit break to rectify the unauthorized accounts associated with my name. The affected accounts, to the best of my knowledge, were opened without my consent or knowledge, and I have taken immediate steps to report these incidents to the relevant authorities. 

I understand the severity of data breaches and their impact on individuals, and I believe that your prompt and effective intervention will be crucial in resolving this matter. I kindly request the following actions : Please block/delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent item
s related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 


The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

I understand the challenges associated with data breaches and trust that XXXX, as a reputable credit reporting agency, will handle this matter with the urgency and professionalism it demands. 

Your cooperation and assistance in resolving this issue are highly appreciated. I look forward to your prompt response and the successful resolution of this matter. 

Thank you for your attention to this serious concern. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Checking or savings account — Other banking product or service
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: DISCOVER BANK (DC)

I HAD AN SECURED CREDIT CARD WITH DISCOVERY BANK. THEY CLOSED MY ACCOUNT WITHOUT ANY NOTICE DURING THE COVID-19 ERA. I JUST SENT DISCOVERY BANK A {$500.00} DOLLAR MONEY ORDER REQUESTING TO REOPEN MY ACCOUNT AND WAS TOLD THAT I HAD INCURRED A LOT OF LATE FEES AND THEREFORE THEY WOULD NOT RETURN MY {$500.00} DOLLARS. I WAS NEVER GIVE ANY NOTICE OF LATE FEES AND PURSUANT TO THE CARESS ACT, THEY WAS NOT ALLOWED TO CHARGE ME ANY LATE FEES. THIS IS THE FIRST TIME THAT I WAS TOLD THAY I OWE LATE FEES!!
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Recovery Services, LLC (FL)

I received a call stating that I owed {$440.00}. I tried to explain that due to COVID-19, I was not working and although I did not remember the debt I offered to settle. They refused and told me that will keep pushing it on my credit report until paid.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I had a vehicle in XXXX XXXXXXXX bankruptcy. I called Toyota Financial and asked how much I owed. I paid the {$450.00} that I was told that I owed on XX/XX/XXXX. I asked them to update my account as paid in full and to correct the balance owed to {$0.00}. They did not correct it, even after I disputed it with the XXXX credit bureau. I have had problems with this company reporting incorrect information since I filed for bankruptcy in XXXX. The didn't report any payments through bankruptcy but reported one payment in XX/XX/XXXX. They sold my account previously to XXXX XXXX XXXX which was supposed to be submitted to the bankruptcy trustee but never was. I also was not informed. Then they bought the account back and when I called I was told that I couldn't make a payment to them because they should have sent my account to a different collection company. My account has stated delinquent, while in bankruptcy, then changed to XXXX. XXXX wage earners plan and now says charged off. I would like for Toyota to remove charged off from my credit report because they received all of their money and there was a payment plan to repay the loan. They reported charged off several times on different parts of my credit report. Also, the company that they previously used for collections recently pulled my credit even through they have not had my loan since XXXX. This company is awful. They deliberately report false information on people 's credit reports.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION (CA)

i sold my XXXX XXXX license plate XXXX in XX/XX/XXXX to a XXXX XXXX XXXX. he bought motorcycle and promised to finish release of liability when i insisted i would. he broke down and left vehicle on freeway by XXXX, ca where he left it stranded. this was not my responsibility to pay a tow fine that i didn't incur. i have photo of pink slip before i handed it to him with his information. i trusted him and this is not on me. now this issue from the tow company creditor called XXXX XXXX XXXX XXXX. ACCOUNT NUMBER XXXX. REFERENCE # XXXX BALANCE {$2200.00} -- XXXX. THEY TRIED TO SELL THE CASE TO A COLLECTIONS AGENCY THAT THREATENED ME AND MY LIVELY HOOD BY THREATENING TO DESTROY MY CREDIT. I WANT TO SUE THEM. THE COMPANY IS CALLED CONRAD CREDIT CORPORATION '' XXXX, CA. THIS IS A SCAM AND I KNOW IN MY HEART THIS IS NOT MY FAULT. IM A VICTIM OF A TRUE HUSTLE BY COLLECTION AGENCIES. THIS VERY TOPIC IS BEING DISCUSSED IN THE WHITE HOUSE BECAUSE PEOPLE ARE GETTING TAKEN ADVANTAGE OF BY COLLECTIONS, TOW COMPANIES, ETC. PLEASE HELP ME I GOT PLENTY EVIDENCE OF MY CONVERSATION WITH THE THREATENING COLLECTION COMPANY CALLED CONRAD. I HAVE PROOF
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Last Thursday night I deposited my payroll check thru an ATM at the Bank of America branch located XXXX XXXX XXXX XXXX, XXXX, WA XXXX. At the time I was overdrawn on my accout but the check for {$1800.00} was more than what was needed to cover this. 

I received and email on XX/XX/XXXX saying the check was being held until XXXX XXXX because of poor image quality " {$1800.00} XXXX XXXX, XXXX by XXXX local time XXXX XXXX, XXXX {$1800.00} {$1800.00} Reason for hold Reasonable cause to doubt collectibility due to image quality. 
Monday XXXX XXXX I went to the branch were the deposit was made and the employee got me in touch with Customer service who checked with Risk Management. They said the image had the account number but only a partial routing number they could not release funds until XX/XX/XXXX. 

As I mentioned this is the same payroll check I have been depositing twice a month for as long as I have had the account. I am now having direct payments hit and not only are they not being covered, which I was told would be because the check is in pending status but I am receiving NSF charges. 
This seems extreme and completely unacceptable since the issue here is the ATM, not anything that was controllable by me. 

Can you help get this resolved
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MT)

I have been in a interest only repayment program for years. Extra payments were not applied to principal. Never informed me of other payment options. Denied me my actual balance on several attempts. Misled me for over XXXX years. I have already re-paid almost 4 times what I originally borrowed and still owe almost 3 times. Ruined my credit for years, costing me to finance things throughout my life. XXXX 's of hours on the phone trying to resolve issues with very little success.
Consumer complaint received 2021-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a credit card with Bank of America, I have been paying my account on time via recurring payment or auto debit option with a fix amount of {$50.00}. XX/XX/2016 my minimum amount increased from {$50.00} to {$55.00} so the payment were less than amount due. Since I was enroll in auto debit option I was not paying attention to account statement. I found about this only when my account was reported delinquent to credit reported agencies. I never received a notification from the bank that I 'm paying less than amount due and when I called customer service the agent told me rudely that it is not their job to notify customers that I have being paying less than amount due. 
They not just reported my account late but also charged me late fee for XX/XX/XXXX till XX/XX/XXXX while I have been paying {$50.00} each month.
Consumer complaint received 2022-08-14
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. (IL)

Equifax has violated my privacy rights, resulting in inaccuracies being reported on my consumer report. I contacted Equifax and spoke with representatives in effort to resolve issue and have these errors corrected by removal to no avail. Said representatives refused to acknowledge my demand of removal, even with proof by their admittance of a breach in their policy regarding personal data sharing. Instead of meeting my consumer needs of removals, there were additional disputes, inaccuracies and remarks added to my consumer report without my consent, which is further violation of my consumer rights by federal law. I have attached my response letter as well as supporting documentation regarding this complaint.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I recently obtained a copy of my credit report and identified an account from Chrysler Capital that inaccurately appears on my consumer report. I am writing to request the immediate removal of the following account formally : Bank : Chrysler Capital Account Number : XXXX The reporting of this account is in violation of XXXX5 USC 1681 ( a ) ( 2 ) ( b ), specifically pertaining to exclusions defined under the Truth in Lending Act ( 15 USC 1602 ( g ) ). According to the Act, a " credit card '' is described as any card, plate, coupon book, or similar device used for obtaining money, property, labor, or services on credit. This encompasses my social security card, driver 's license/ID, and license plate, which are essentially credit cards used for credit extension. 

I would like to draw your attention to the transaction in question involving a vehicle purchased from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX dealership. Further, I have become aware of the Federal Trade Commission 's ( FTC ) Gramm-Leach-Bliley Act ( 15 USC 6802 ) that outlines obligations to disclose personal information.

The dealership or Chrysler Capital failed to comply with the Act by not providing the necessary notice and information regarding the disclosure of my personal information to both affiliated and non-affiliated third parties. This is a clear violation of federal law.