davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NY)

Subject : Urgent Complaint Regarding Fraudulent Charge and Damaged Credit Report by XXXX To Whom It XXXX Concern : I am writing to formally file a complaint against XXXX for a fraudulent charge of {$XXXX}, which has been wrongfully reported to a collection agency, Radius Global Solutions, and subsequently caused significant damage to my XXXX XXXX. 

On XX/XX/XXXX, I closed my XXXX  account after paying all outstanding bills. At that time, there was no remaining balance on my account. However, XXXX has XXXX claimed that I had an outstanding balance of {$XXXX}, which allegedly accrued late fees and interest, eventually reaching {$XXXX}. 

This {$XXXX} was not an unpaid bill but was set to auto-pay by XXXX staff, and this amount was canceled at the time of account closure. XXXX attempt to claim this as an outstanding balance and add interest and late fees is entirely fraudulent and misleading. 

As a result of this false claim, my XXXX XXXX has dropped by XXXX points, from XXXX to XXXX, seriously affecting my financial standing. 

Please find attached supporting documentation, including proof of payments ( XX/XX/XXXX- XX/XX/XXXX ) and a fraudulent receipt from XXXX, indicating that this charge is unfounded. 

I expect swift resolution of this matter, as T-Mobiles actions have already caused undue stress and financial harm. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Number with XXXX : [ XXXX ] Date of Incident : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I opened an acc ount with HSBC, and was supposed to get a {$100.00} referral bonus, plus a {$250.00} bonus for having a combined {$ 35000.00} in checking and brokerage account. I spoke with a rep who helped set everything up and confirmed it was ok. However, I did not receive the aforementioned bonuses. Additionally, t hey changed the fee structure on top of all this. I therefore moved out the funds and incurred a {$95.00} fee. ( added to this, I was not reimbursed the {$50.00} fee for moving the funds in ).
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

The original cred itor is GE Capital Bank. I  had  a Gap a nd  Old Navy Store c ard with them. I got behind on both accounts. They were both charged off.They were also both bought by  XXXX   XXXX . I got a notice from  XXXX  recovery o n   XXXX   XXXX   XXXX  . I settl ed out for both of the debts. ( Gap- {$300.00}  ) and ( Old Navy- {$3 00 .00} ). Th ey both was settled after the charge off. However, i never received my requested letter that the debt was paid and they never reported differently on my credit report. I have a collection account with them now with minimum information. I would like both debts removed from all  XXXX  credit bureaus due to violations of the Fair Debt Collection Practices Act and Violation of the Fair Credit Reporting Act. They are reporting different high balances on my reports. This is wrong. They also are not showing the full account number on my reports. The reporting activity dates are off and inaccurate. Please help me resolve this.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please pull the phone records for a conversation that took place approximately XXXX XXXX 2015 between myself and a XXXX  customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that XXXX starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the XXXX customer service agent on approximately XXXX XXXX 2015 I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX  notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with XXXX, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with XXXX! 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX 's solely due to XXXX XXXX customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with XXXX 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these XXXX false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my XXXX  student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!
Consumer complaint received 2017-06-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SRA Associates, Inc. (NY)

O n   XXXX   XXXX   XXXX   I receiv ed a call on my cell number from collection. Demanding a payment over the phone of {$1000.00} otherwise they will report to credit bureau. After the initial shock I asked for more information. I was informed that they partner with  XXXX  and since I did n't make a payment of {$1000.00} on time to  XXXX  they sent my claim to collection.   To begin I never received any bill or invoice in the mail, never received a phone call from  XXXX . I was also informed that the claim was for insurance deductible. But my insurance  XXXX  which I still have never claim that payment either.   Immediately after, I called  XXXX . I was transfer many times and nobody could explained to me why and who transfer the claim to collection. They all said the same to call collection because my information was no longer available to them. I asked to speak with a supervisor and I received the same answer. I called back collection but they said the answer to my question was with  XXXX . The played me really bad, and then the threats to my credit began. Same date I submit a claim to BBB complaint ID #  XXXX . O n  XX/XX/XXXX  I r eceived a letter indicating that  XXXX  had not responded to their letters they sent on my behalf.  XXXX   XXXX   XXXX  I found that  XXXX  had file a negative report on my credit.
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

The creditor I owe ( XXXX XXXX XXXX XXXX XXXX. ) was called prior to charge off and told to cease and desist all phone calls but it was made very clear that I wanted letters. It was also made very clear that on both accounts the cease and desist must follow the account when it charges off. on approximately XX/XX/XXXX I called the law office of XXXX XXXX XXXX I talked to the collection department XXXX XXXX XXXX XXXX XXXX explained that my wife took very il and will not be able to work for some time that's why the accounts were not being paid. I offered to make a very small monthly payment of XXXX a month on each account he told me " there is no way he will agree to terms like that " He placed me on hold came back to the phone and stated " if I have any request send them in writing " then he hung up on me. My complaint is that I never was given the opportunity to dispute the validity of the debts ( the amount owed ). IN the beginning og XX/XX/XXXX I called again I was transferred to the department that handles my accounts when they realized it was me they immediately hung up on me. CLEARLY MY RIGHTS HAVE BEEN VIOLATED. I DID SEND IN WRITTING A REQUEST FOR VALADATION OF THE DEBT 'S NO ONE HAS SENT IN ANY VALADATION! I wish the CFPB would pull the tape recording for all my calls then you will see that I speak the truth.
Consumer complaint received 2017-06-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My mortgage was taken over from Wachovia by Wells Fargo in XXXX or XXXX. I obtained & have had hazard insurance for a single family dwelling on the property, which is a townhouse, since XXXX, because I did not know any better. No one told me the hazard insurance should be based upon the type of dwelling, and, being a first-time home buyer I was completely ignorant of this fact. The original insurance carrier never asked me the type of dwelling, and I paid them for 20 years and never filed a claim. I decided to change insurance companies in XX/XX/XXXX, due to extremely poor customer service. I secured new hazard insurance for a single family dwelling in XX/XX/XXXX which was then cancelled XX/XX/XXXX, due to the property having the original roof and I could not afford to replace a perfectly good roof. Upon searching for hazard insurance again and seeking help from the management company that collects my HOA dues, I was informed that I needed insurance for a condominium/townhouse not a single family dwelling. I then secured hazard insurance on XX/XX/XXXX, with a different carrier, before the cancellation, for a condominium/townhouse and all the required forms were sent to Wells Fargo on XX/XX/XXXX. I have received two letters from the Insurance Department of Wells Fargo stating that they have imposed lender acquired hazard insurance for the property, which increased my mortgage payment by {$300.00} starting XX/XX/XXXX and to continue for the next 12 months. The first letter dated XX/XX/XXXX, stated nothing was received by them and I needed to submit the Declaration page of my new insurance policy. I called Wells Fargo several times about this issue and was put on hold for lengthy periods of time each time. I was eventually told that the required information was received from my new insurance carrier on XX/XX/XXXX, however, the newly acquired insurance is for a condominium/townhouse and is, apparently, not acceptable to Wells Fargo. The latest correspondence from Wells Fargo, datedXX/XX/XXXX continues to state that hazard insurance is needed on the property, and does not address the issue of having lender imposed hazard insurance when hazard insurance already exists. The people answering the phone at Wells Fargo are not qualified to solve customer issues and are not honest in their responses. I have spent a large amount of time trying to get resolution on the phone and am put on hold for long periods of time and never informed of the proper person to address the specific issue. For example, I spoke to someone who identified herself as XXXX XXXX on XX/XX/XXXX who told me my current insurance documents had been received, that a check would be sent to my insurance carrier ; no check has been sent.
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

I was a  XXXX  customer for approximately 10 years. I was no longer under a contract, so I decided to change phone providers. I informed  XXXX  that I was stopping service. After trying to change providers, I was informed that the phone was locked by  XXXX . I called them again and asked why the phone was locked since I had paid cash for it. They instructed me on the procedure to unlock the phone. At no time was I told that I would have to pay a full month 's bill after cancelling service. I received a letter informing me that I did n't give a 30 day notice, so I would have to pay for the following month. I told them that I was not under contract, so that should not be an issue. They, then turned my case ove r to Southwest Credit. Th ey called me and informed me of the debt collection. I told them that I had discussed this with  XXXX  and since I was not under contract, I did not feel that I owed them anything. I never heard from any  one  else about this, so I thought it was resolved. No one ever informed me I could to file a dispute or a complaint. I was a  XXXX  employee and have  XXXX   XXXX  through the government. They sent me a notice that I had a bad report on   XXXX  . I called  XXXX  and they suggested that I go this route for some kind of resolution. I do have the money to pay this, but It is the principal of not being informed of my rights by either company.
Consumer complaint received 2017-06-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DC)

When I moved to  XXXX  ( from  XXXX  ) i n    XXXX   XXXX     , Infiniti Financial Serv ices ( IFS ) began charging me a 10 %   XXXX    sales tax on my monthly bill. A fter researching   XXXX   tax code, I do not see any code that indicates a sales tax is required for vehicles originally registered in another state before establishing residency in   XXXX  . Since XX/XX/XXXX  , I  've made several inquiries to IFS via phone and in writing but they have not provided any details to support this 10 %  XXXX  sales tax. I also contacted the  XXXX  Office of Tax Revenue and was informed that sales of motor vehicles and trailers are not subject to sales and use tax but only to excise tax of 6 % in  XXXX . Even  XXXX  states that the sales and use tax does not apply to the sale of motor vehicles. The 10 % rate in  XXXX  applies to rentals of motor vehicles and utility trailers, except those registered for commercial purposes. Only rental or leasing of rental vehicles and ut  ility trailers is taxable. I did n't purchase/lease this car in   XXXX    nor is my lease classified as a rental vehicle.
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I believe IFS is erroneously charging me ( along with many other lease customers ) and refuses to correct their mistake. Please help!
Consumer complaint received 2017-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (UT)

Hello, I signed up for a XXXX credit card a few months ago as part of the checkout process. At the time I was interested in a few furniture purchases and was enticed by their rewards program. 
During the same period, I moved a new address and notified USPS of the change. 
However, I havent received the credit card, any statements or correspondence from XXXX since the beginning. Given the lack of communication, I was unaware of any charges that I may have to pay. 
About a month ago, I was performing a routine credit check on XXXX XXXX and noticed that my credit score has dropped significantly. I noticed that I had some late payments for XXXX. To rectify the matter, I called XXXX customer service and was forwarded to their collection department. I explained the situation to the involved personnel and attempted to offer payment of the intial charge and initial fee. In exchange, I requested them to remove late fees and fix my credit score. However, they refused to engage in any resolution other then full payment including late fees and no engagement on credit score fix. 

Hence, this is my last resort to get this fixed. I have had excellent credit with always on time payments. I am hoping to get back to that. Thank you!
Consumer complaint received 2018-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I wrote a Check to XXXX XXXX for {$600.00}. It's a preschool. They have a small box to drop the checks. I dropped my check on the box.

The next day, I see that the amount has been deducted from my account but XXXX XXXX claimed that they never received it.

From my online account, I was able to see that someone signed on the back of the check and encashed it.

My bank is XXXX. I filed a Forgery claim with XXXX on XX/XX/XXXX.

I got the affidavit signed by myself and also from the Manager of XXXX XXXX.

I got a response back and this time it includes a response from Well Fargo asking me to get a notarized payee affidavit from XXXX XXXX. I checked with XXXX XXXX and they said they can give a letter with their letter head and but won't go the extra mile to get a notarized affidavit, which business does.

I don't have any options.

I wrote a check to XXXX XXXX. Somebody stole the check from them and encashed it in Well Fargo. Wells Fargo as a bank should not have allowed a check to be encashed which is written to a business. Based on my conversation with the officials in XXXX, Wells Fargo gave cash to someone who encashed the check.

Both the banks are leaving me optionless and CFPB is my last resort. Pls help me
Consumer complaint received 2017-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MI)

I signed a contract to purchase a vehicle on XXXX XXXX, XXXX and that contract contains some errors so the finance manager at XXXX XXXX asked that I sign another contract. I assumed the contract stated what he said it stated and that it was a reprint just to correct the mileage issue. I was told that my due date was going to be the XXXX of every month and that I needed a {$1000.00} down which includes my first payment. On XXXX I woke up to an alert from my credit monitoring service advising me that I had a 30 day late payment with Gm Financial. I did n't understand how that was possible when I made a payment on XXXX XXXX, XXXX and gave payment information on XXXX to make another payment. I contacted GM Financial and I was advised that the due date on the contract states that the payment is on the XXXX of the month. I explained to the GM Financial Representative that I did n't have a copy of the contract, I have n't received a billing statement yet, and the sale person ( s ) at XXXX XXXX informed me that my payments was due on the XXXX of the month. I made a payment on XXXX how can I be 30 days late. The Representative stated to me that the payment was never processed on XXXX and the notes stated that I would call back on the XXXX, and make a payment, I disagree with. I feel if the payment was due on the XXXX of the month and I stated to the representative I will pay on the XXXX, why would n't the representative advise me that the payment would be 30 or more days late. I contact XXXX XXXX and spoke to XXXX ( sale/finance Manager ) who handled my transaction and he advised me that I signed the contract on the XXXX and that he entered into the system that my payment should be due on the XXXX ( although I was told XXXX ), I put {$1000.00} down payment down and was told that I would n't have a payment due until XXXX XXXX XXXX. When I contacted GM Financial about this situation I was told that they will look into it, but after looking into the situation they stating to me that I need to contact the dealership to get this matter corrected. The dealership stated to me that, there 's nothing they can do but to send me a copy of the contract showing I signed the contract on the XXXX of XXXX.
Consumer complaint received 2017-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE FIRM, INC., THE (FL)

The complaint relates to unsavory practices on behalf of the mortgage lender. The applicant only has social security benefits as declared income and it alone will not suffice. The processors have recommended that I make a " distribution '' for a period of 3 months only of {$2900.00} from my IRA to satisfy Federal Agencies Requirements. It appears fraudulent on it 's face and deceptive in its action. I can not morally do this.
A processor, in order to secure a document, asked that I log into my Bank account using her computer so she could use the URL to secure a deposit of mine made to my bank.
I have never been told that I have a mortgage commitment without contingencies, but one day ago I received an attorneys missive telling me about a closing.