davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC (NC)

On or about XX/XX/XXXX I rented a stove from a retailer in XXXX, NC. I made the down payment in cash at the stove and was told I would have to finance the balance with Acima Credit. I asked the retailer if I didn't want the stove would they come get it and no further charges would be assessed, he replied yes but the balance would be paid in 6 months. After completing the application and the immediate approval from Acima, I was told the completed copy of the agreement would be mailed to me once the stove was delievered to my home.I was required to draft the payment from my XXXX XXXX XXXX checking account. 
I received a notice of how much the approval was for via postal service. I did not receive any further documents from Acima either by mail or electronically by email. 
In XXXX I called to make sure the month of XXXX would be the last withdrawal of the payment from my account. I was told by the customer service agent that there were additional payments that I did not agree to with the retailer who communicated with Acima. 
At that point I told the agent to send the retailer to pick up the stove because I refused to pay that amount for a used stove.I was instructed to look for an email with in 72 hours of the call, take pictures of the stove, submit them and the retailer would be to pick up the stove in a two week period of time. When this did not occur by XXXX I called spoke to XXXX XXXX and was told the agent just did not follow up. Again I was told to follow the same procedure and did, to wait for the retailer to pick up in the two weeks. 
I did not hear from them and decided to wait to hear from them. I received a call from an agent in customer service on XX/XX/XXXX and after chewing him and his company out was told to for the 3rd time to follow the same procedure, which I did. 
Today XXXX XXXX I called Acima to find out why the retailer had not come to get the stove, since it was within the 72 hour time frame and was told Acima charged the account off XX/XX/XXXX and because of the charge off I could not return the stove and the amount of XXXX plus had to be paid. 
This is a deceptive financial practice they have obviously gotten away with many times with unsuspecting consumers. I was very mad and informed the agent of my intent to file a formal complaint with every agency to stop them from further victimizing consumers. 
I will gather all documents and submit them to the apropriate agency upon request
Consumer complaint received 2016-10-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC. (CA)

Navient has contacted people outside of my direct network to find people in my network asking them what their relation is to me. They are also contacting my work directly, soliciting for me while it is inappropriate and will jeopardize my employment. Instead of contacting me directly, they choose to go around me, to the point where it is embarrassing and mortifying. When I finally talked to someone who called me at work, while I was at work, her attitude on the phone was, " Well, so what are you going to do about it? '' About 3 hours later, I found out that they are contacting my work still, trying to send a garnishment letter.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY (FL)

MY BANK WAS OVERDRAFTED {$1200.00}. By XXXX I was hacked and the money was taken from my bank account now I'm overdrafted that amount I contacted td bank as soon as I saw this and filed a dispute td rejected my dispute and so now I'm here I did make those charges I don't know how my bank allowed this to happen when the funds werent even there to cover the charges I am distraught.
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Systems International, Inc. (TX)

2014 I was the victim of identify theft, and a police report was filed and sent via certified mail to the XXXX credit bureaus, XXXX and XXXX XXXX XXXX. It was taken off my credit report. Now, 2 years later, XXXX XXXX has sold the account to Credit Systems International, who has reported it on my credit reports. They are unhelpful and XXXX XXXX is saying that I have to file an FTC report, with police report, etc. again and send it to them before they can do anything ; when in fact they have all this information from 2 years ago, and erroneously sold the account to Credit Systems International.
Consumer complaint received 2016-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp (NV)

Equitable Acceptance Corporation is charging me a fee for a service that is free through my student loan advisors. They sent in an application to my student loan company on my behalf ( which I was unaware of ) and also called there to confirm the application was accepted. They are charging me {$1300.00} for this service which is unacceptable. They gave me 3 days to cancel the contract, which I did n't realize was fraudulent until I received an email from my student loan company. Yes I signed the contract, unaware of the fact that I could get this service for free. They have informed me they will send me to collections if I cancel the contract. This just is n't right. I am already having issues paying my loans back and now they want to charge on top of that. I feel they are taking advantage of people like me, that can get these services for free.
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I AM XXXX YR. OLD WIDOW, HAD A MORTGAGE W/XXXX XXXX, I TRIED FOR TWO YEARS NOW TO SETTLE THIS AND THEY WILL NOT WORK W/ME I HAVE HIRED LAWYERS, & IT HAS BEEN COSTLY XXXX SOLD THIS MORTG. TO SLS, AND STILL CAN NOT SETTLE, THEY HAVE JUST PUT MY HOME IN FORECLOSURE, AND I CAN NOT AFFORD TO LOOSE MY HOME AT THIS POINT IN MY LIFE. 
PLEASE HELP ME.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-28
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 (GA)

I filed a dispute with my Bank Chime on XXXX for Transactions that have been Unauthorized from merchant Ubereats. There were several charges from this Merchant that I didnt perform, I spoke with a representative from chime and let her know that my account information was stolen. They informed me that they will do an investigation and within 10 days if the investigation isnt completed they will provide me with provisional credit, I do believe that not even XXXX hours they denied my dispute, so I disputed the charges again and they denied my dispute once again. I have told them that I have reached out to XXXX about the situation and XXXX claimed that someone made an account in my name and that is also unauthorized by me as well. The charges date and amount will be below. 
The charge is in the amount of {$360.00}. XXXX. 
XXXX. XXXX XXXX {$8.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$23.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

I am writing to seek assistance regarding a serious and ongoing issue of cyber security and identity theft that I have been experiencing for over a year. It began XX/XX/year>. I started noticing my apps were altered, my passwords were constantly being changed and still is, my information gets altered, they have tried to personate me. Despite my efforts to secure my personal information and take preventive measures, the hackers continue to exploit my identity, causing significant distress and financial harm. In XX/XX/year>, I changed phone carriers and switched to XXXX. This is where the issues escalated. My phone number was different, my bill did not match my XXXX. information, and my XXXX account sometimes did not match the XXXX number. Additionally, my devices would occasionally show another name. My passwords began to be changed, my apps looked strange, my downloads were missing and indicated they were on another device. I noticed screen sharing on my devices, my camera light turning on, and overheard conversations coming from my phone. I notified XXXX and began paying for XXXX XXXX in XX/XX/year>. I filed a police report in XX/XX/year>, left XXXX, purchased a new XXXX XXXX XXXX, and started with XXXX in XX/XX/year>. Despite these efforts, the hackers have persisted in their malicious activities. I purchased an XXXX XXXX XXXX, hoping that the advanced security features would help protect my personal information. Unfortunately, the hackers have persisted in their malicious activities, even with this new device. I am a school social worker at a district for public schools and a mental health counselor. Since the very beginning of this ordeal, I have had XXXX XXXX, but they have not provided the assistance I need. As a result, my XXXX closed my card and I didn't even have a balance. They didn't want to work with me nor did they care. And my credit score has suffered significantly. Despite providing police report numbers and filing fraud disputes, my situation remains unresolved. My payments are constantly late, leading to increased fees and higher minimum payments. I spend hours every week on the phone with various entities trying to resolve these issues. Not even during XXXX. But yet they didn't work me, nor cared I was the victim, and treated me with no respect. After them closing me account, I still make payments even them closing my account. I mean it was quick for them. And little by little I have lost everything I worked so hard to do. And I am the victim here.
Consumer complaint received 2016-11-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (NY)

The following disclosures required to be included in an application for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included in any of the applications for the various Chase loans : interest rate or range of interest rates ; whether the interest rate is fixed or variable ; whether the interest rate may increase after the consummation of the transaction ; whether the interest rate will be higher if the loan is not co-signed or guaranteed ; itemization of fees to obtain the loan ; itemization of late fees ; repayment terms ; cost estimate ; Federal student financial assistance as an alternative to private education loans ; the interest rates for Federal assistance and how to obtain more information about Federal assistance. 
The following disclosures required to be included at the approval stage for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included for any of the various Chase loans : interest rate or range of interest rates ; whether the interest rate is fixed or variable ; whether the interest rate may increase after the consummation of the transaction ; itemization of fees to obtain the loan ; itemization of late fees ; repayment terms ; cost estimate ; Federal student financial assistance as an alternative to private education loans ; the interest rates for Federal assistance ; how to obtain more information about Federal assistance ; consumer 's right to accept the loan until the expiration of the acceptance period and the date upon which the acceptance period expires. 
The following disclosures required to be included at the final disclosure stage for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included for any of the various Chase loans : consumer 's right to cancel until the expiration of the cancellation period and the date the cancellation period expires. 
Additionally, Chase has failed to provide evidence that funds for the academic period from XXXX 2008 to XXXX 2008 were actually disbursed, even though Chase is demanding repayment of same, despite repeated requests.
Consumer complaint received 2024-09-29
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (AZ)

I am writing to formally file a complaint regarding my recent experience with TitleMax at the store located in XXXX XXXX  the Address of the Store is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which I believe involves unethical and potentially unlawful lending practices. I took out a title loan with TitleMax on XX/XX/year> under the impression that I would receive fair treatment and transparent terms. Unfortunately, this has not been the case. 

I was initially drawn to TitleMax because of your advertised promises of quick cash and flexible repayment terms. However, the interest rate that was imposed on my loanan astronomical [ insert interest rate ] has made it nearly impossible to repay the loan. Despite making consistent payments, I have found that the majority of my payments go toward interest, and the principal amount remains almost unchanged. This has trapped me in a cycle of debt, which feels intentional and predatory. 

During the loan process, your representatives did not fully explain the long-term consequences of rolling over my loan or how quickly the interest would accumulate. When I inquired about the total cost of the loan, the information provided was unclear, and certain fees were not disclosed upfront. I was led to believe that the loan would be manageable, but I was not made aware of the extreme financial burden it would impose.

TitleMaxs advertising implies that your loans are a short-term solution for financial emergencies, but based on my experience, they are designed to keep borrowers in perpetual debt. I believe your companys marketing is misleading and takes advantage of individuals in vulnerable financial situations. Your advertisements emphasize fast cash and easy payments without properly disclosing the high-interest rates and fees associated with your loans. 

When I attempted to discuss my concerns with your customer service representatives, I was met with unhelpful and dismissive responses. Rather than working with me to find a solution, your team insisted that I either make full payments or face repossession of my vehicle. The lack of empathy and assistance in finding a fair resolution has been extremely disappointing and stressful.

I feel that TitleMaxs business practices are not only unethical but also violate consumer protection laws, such as those regulating usurious interest rates and deceptive advertising. I am formally requesting a review of my loan terms, a reduction in the interest rate, and a clear explanation of all fees. Additionally, I ask that TitleMax revise its lending policies to ensure greater transparency for future borrowers.

If I do not receive a satisfactory response within [ 1015 ] business days, I will be forced to escalate this matter to the appropriate regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ), and consider legal options. 

Thank you for your attention to this matter. I hope to resolve this issue in a fair and timely manner.
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have always paid my monthly payments in full to SPS Servicing , Inc. A portion of my monthly payment goes to escrow for property tax and insurance. 

Starting in XXXX and continuing to present date, SPS has continually raised my monthly payment, claiming that my escrow account was in the negative. Although I paid enough to them during the year to cover my annual tax and insurance payments, SPS claims that I owe them thousands of dollars, around {$5000.00}, for money because they " advanced '' on my behalf to pay for taxes and insurance. However, I had paid enough money into my escrow account over the year to cover the annual payment for taxes and insurance. But SPS claims that all the money I paid over the year wasn't put in escrow -- - instead it was used to pay the debt I owe SPS for escrow money they advanced for me. So, in essence none of the money I sent to them went into a escrow account over the year to pay for my taxes. Instead, SPS took that money and kept it. To pay the debt they claim I owe them. 

I have spoken to many customer service reps. Not one of them can explain when this debt was incurred. They just say I owe them the money. All " escrow payments '' I have made have actually gone towards payment of this mysterious debt I owe SPS. When did this debt accrue? Numerous customer service reps can not explain that. They just keep saying I owe them and they are going to get their money back before they actually escrow anything. 

Around XXXX of XXXX, SPS started trying to bill me {$1500.00} per month. They said that would be my new payment for the next year!!!! The portion of my payment that goes principle and interest -- is approximately {$670.00}. So, SPS wanted {$830.00} every month from me for " escrow ''!! I called customer service and every rep told me that this was to pay off my debt to SPS. My taxes and insurance were not projected to increase ... SPS wanted more money to pay of the debt I owed them. 

Because I can not afford this amount, and also because SPS appears to be robbing me, I requested that escrow be removed from my payment. SPS granted my request. I am now escrowing my own money. 

However, I paid SPS {$3300.00} in XXXX, which was supposed to go into escrow. I called SPS and asked them to return this to me so I can afford taxes and insurance. Taxes are due in XXXX, and they will be around {$2200.00}. In XX/XX/XXXX, Insurance is due. It will be around {$5500.00}. 

SPS refuses to return the {$3300.00} I paid them this year for escrow. They say they are keeping that money to pay the debt I owe them. They say I still owe them around {$500.00}. Again, nobody can explain why. 

If I don't get my escrow money back from SPS, I may not be able to afford taxes and insurance. Im a XXXX father. I don't want to lose my home. Please help me!!!. 

XXXX XXXX.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (FL)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I requested a hardship withdrawal through my job from my 401k. Instead of sending it electronically as requested they sent a check. I deposited the check. The next day it said a 6 day business hold would be on the check. I need the funds to pay my bills to qualify for a mortgage. I called the bank and asked if there was any way to expedite the request. I got a call from a unknown number asking if I had made a check deposit that day, it was the day prior that I actually did the deposit so I was suspicious. I told the representative I'm not comfortable so I'm going to call the number I know to be td bank. She canceled my online access and declined the check. I called td bank again and explained the situation and they told me the check would be resubmitted and access to the online account would be restored that day, yesterday. Today I wake up and I still can't log in. I called and general customer service connects me to fraud after holding 40 mins on hold it says sorry call back later. They did give me the direct number so I called fraud directly. They claim in not eligible for phone text verification. They're asking verification questions related to account activity which they've blocked me from seeing and saying they can not send a verification code to my phone. My only option is to go to a branch which I can't because they'll be closed when I get off of work. This is totally unacceptable. They guidance given is if your unsure who you're talking to is to hang up and call the business, I've done this and they're treating me like I'm a criminal or scammer.
Consumer complaint received 2024-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (FL)

Newrez purchased my 1st mortgage from the previous loan servicer SLS. My bank had been sending automatic payments to SLS for XXXX years. After Newrez took over the servicing they should have received XXXX months payments from SLS but apparently they did not. 

I provided proof of payment to SLS on Newrez 's website as instructed and they haven't acknowledged said payments. Additionally I mailed proof of payment to Newrez with proof of delivery, and yet they are still claiming I'm XXXX months behind because of the payments mailed to SLS. 

This morning I received a notice that my loan is in default, which it isn't