davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (IN)

I purchased a ( well what I thought was a ) XXXX  65 inch hd XXXX XXXX  tv from XXXX XXXX In XXXX Indiana. I saw the ad on XXXX   XXXX, verified the tv was new at that time the owner XXXX told me about the 90day same as cash financing. I decided to do that and keep as much cash as possible since the country was basically shutting down. I purchased this tv especially so my children could do XXXX on a big screen. XXXX couldn't get the tv in my car. it was in an opened brown box. not a XXXX  box. He told me he could bring the tv to me at XXXX XXXX  the next day. He did I drug it into my living room where it set until the next evening when a friend came to mount it. I was not the correct tv and it didn't even work. XXXX tells me he will give me better tv. We take the tv back and get what turns out to be another broken tv and he again insisted it wouldn't fit in the car with the box! I '' m pretty angry at this point as I gave my old tv away and the school had just been canceled for a month. Kids like to watch tv. He came to my home the next day where the broken tv was and walked out. he told me he would get me a refund from acima. That didn't happen. I did learn he is selling 3-year-old TVs as new after a serial number search. I have a police report and all of the texts between XXXX and I. Acima refuse to cancel my account or refund any money. 
I'm attaching the XXXX  communication, Last week Acima reported I was 60 days late on this loan causing my credit score to drop 70 pts.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MI)

On Friday, XX/XX/2018 I was making a payment online for {$1300.00} on my American Express credit card. Mistakenly I added a zero and made it for {$13000.00}. I did not catch this until Monday XX/XX/2018. Called American Express, talked to a rep that said the only way for the refund was to mail a check or wire transfer. I am suppose to get the difference of {$11000.00} and leave {$1300.00} on my account as payment. I opted for the wire transfer. He said it would be 3-5 days. When 5 days was up, I called back to see why it hadn't come to my bank and I was told 7-10days. When 10 days was up I was told that the funds had to be verified. They verified the funds were taken twice during the 15 days I have been trying to retrieve my money. Now, i must say, there wasn't {$13000.00} in my account so it bounced back 2 days after the initial payment. Then they retook it again and at that time there was {$13000.00} in there on XX/XX/2018. I call every day, several times a day ( 3-4 ) and get a different answer from different people after continuosly being transfered to different departments. In talking to a manager on Friday XX/XX/2018, he said let 's do a check and it will definitely go in the mail today. Called Monday XX/XX/XXXX and Tuesday XX/XX/2018 and was told the case was reopened? I have no idea what that means. I talked to 7 different people on Tuesday XX/XX/2018 from XXXX - XXXX ET. Was told by XXXX they would overnight mail a check to me by Wednesday XX/XX/2018. Needless to say I have requested 5 times for an overnight mailiing and was told there is no way to do that. Now all the sudden they can. 

I have been a member with American Express since XXXX and always paid on time and way over the minimum payment due. I can't believe this is how they treat their customers. This wasn't just {$100.00} overpayment. This is {$11000.00} over payment that I have been trying to get back for several weeks now. I have been without any ready cash all this time and alerted my bank about the situation. They were kind enough to waive any and all overdraft charges. 

Unfortunately, I am going on an already paid for cruise on XX/XX/2018 and have no cash. Please help me in making sure this does not happen to anyone else and that American Express executives are aware of the poor customer service I have received. 

As of now, I still do not have my over payment back.
Consumer complaint received 2018-09-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PNC Bank N.A. (GA)

I've received 21 phone calls, just in XXXX from PNC Bank. They never leave a voicemail but their name shows up on caller ID. I've tried twice, once on XX/XX/XXXX and once on XX/XX/XXXX to speak with them regarding the debt I owe. I wanted to arrange a payment plan and discuss my financial hardship, and both times the representatives refused to submit any requests unless I set up an auto withdrawal plan.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION (FL)

Dear CFPB, They are liars. I have all the documents here. 
No responses no investigations no calling me back. 

I am writing to file a **new complaint** against **Suncoast Credit Union** . Their response to my previous dispute is **completely unacceptable** and **inaccurate**. The claim that I authorized the disputed transactions is **impossible**. I have submitted a **police report** verifying that these transactions were **fraudulent**, and their refusal to acknowledge that only points to a serious **security breach** on their end. 

Suncoast has clearly failed to protect my account, and now they are attempting to **cover up their negligence** by blaming me for these fraudulent charges. Its clear that **someone else impersonated me**, and their lack of proper investigation has led to this **gross error**. I have been completely **defrauded** by the institution that was supposed to safeguard my money.

I can verify, without a doubt, that these transactions were **not conducted by me**. My police report, which they continue to ignore, proves this. Instead of addressing the actual issue, they have put my account into **negative standing**, which is causing even more financial harm. Suncoasts handling of this dispute has been **irresponsible**, and their lack of communication has only added to the stress. They **dont respond to my messages** and **ignore my calls**. 

This has gone far beyond a simple dispute. Suncoast is **defrauding me**, and I demand immediate action. They need to **credit my account today** for the {$1000.00} in fraudulent transactions. This situation is financially ruining me, and their failure to comply with **Regulation E** of the **Electronic Funds Transfer Act ( EFTA ) ** is unacceptable.

I expect **immediate intervention** to force Suncoast to return my funds and take responsibility for their security failure.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PMAB,LLC (NC)

I sent an account validation letter to PMAB that was received in their office on XX/XX/2020. I received a response date XX/XX/2020. First problem was that i did not receive anything that was signed by me to give the permission to have access to very private information. ( HIPAA violation ) The next problem I noticed was that they have changed the account number from what they are reporting to the 3 major bureaus.Example : One account is being reported as XXXX but they responded to my validation letter listing that account as XXXX. They did this for each account i requested validation for. I have tried to dispute these accounts with the bureaus and they are giving me push back when I forward the information to them that I received from PMAB. This is clearly an attempt to keep me from disputing the validity of these items.I have been keeping very meticulous records of this situation. I will not hesitate to use all resources available to me to protect my rights.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Comerica (NY)

After attempting the close an account with Comerica Bank 5 years ago, the company kept the account open and did not transfer the funds as requested. Instead they deducted XXXX $ a month for 5 years without notification till they overdrew the account. 

Once notified of the overdraw, they demanded that we wire money to make the account whole before they would close it. We acquiesced and sent money to close the account, however the bank then charged a wire transfer fee and again refused to close the account till we paid even more money to close the account. 

This has been a complete scam and waste of our time and money.
Consumer complaint received 2020-04-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rodenburg LLP (MN)

A company called XXXX XXXX XXXX in XXXX XXXX, MN took my XXXX/XXXX  XXXX  in XXXX for services that I never received from them. 
They also repeatedly charged my credit card {$200.00} and they did pay those back to me after I disputed with my credit card company. I did not know about the XXXX XXXX at this time. 

XXXX XXXX  sold this debt to XXXX XXXX XXXX. It was made as a judgement against me in XXXX, and showed up on one of my credit reports in XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX and they said that Rodenburg Law Firm out of North Dakota was handling the account. 

So I called Rodenburg Law Firm and was forwarded to a voicemail for a XXXX at ext. # XXXX. She called me back, and I asked her to send literature on this account, as I believe I do not owe this debt. I received literature in the mail, and I have called and left countless voicemails. No one answers the phones, and no one returns my calls. I need this taken care of, as I am trying to close on a house, and this is preventing me to do so. 

There is an active judgement against me, that I do not agree with, and have disputed numerous times. XXXX XXXX XXXX agrees that I do not owe the debt. Yet after it has been sold and sold, I can not get a hold of anyone to remove it, or help me get this taken care of. If they are going to file something on me like this, they should make sure consumers are able to get in contact with someone to take care of it. I feel trapped. 

This is not fair, and I am filing a complaint against Rodenburg Law Firm, and XXXX XXXX XXXX. 

Thank you.
Consumer complaint received 2018-09-25
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: Experian Information Solutions Inc. (GA)

I am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per XXXX XXXX XXXX and Experians investigation.
Consumer complaint received 2020-05-29
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)

This letter is being sent in response to notices sent to me from these companies and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please show proof of accounts and verification trail and notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MO)

My Southwest Rewards credit card by Chase Bank was unilaterally cancelled by Chase without any prior notice, on XXXX. I found out when I was embarrassed by having my card declined at the grocery store. I called the company twice that same day, and was only told that the card was cancelled and would not be restored, yet they refused to explain why. I filed a complaint with the XXXX XXXX XXXX with the same results. All Chase would tell me is that the account was closed " because an affiliate is ending their banking relationship '' with me, apparently referring to something dating back to XXXX. I asked what " affiliate '' they were referring to, and what happened in XXXX. I have no idea what they are talking about, and they refused to provide any further information. I don't understand why they are afraid to do so. There were no late payments, and no payment was due at the time the card was cancelled.
Consumer complaint received 2018-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

I have never done business with Midwest Recovery System. I do not have a signed contract with Midwest Recovery System. I did not receive any notice before Midwest Recovery System inserted a debt in the amount of {$240.00} in which they claim I owe. Due to these factors Midwest Recovery needs to remove this debt from my credit reports immediately.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Validify, LLC (FL)

The company XXXX XXXX changed to Redwood Processing. Their contract ( attached ) says that a customer can cancel at anytime. Payments were automatic deductions from my bank account, on XX/XX/XXXX {$570.00} - XX/XX/XXXX {$570.00} - XX/XX/XXXX - {$470.00} - XX/XX/XXXX {$470.00} - XX/XX/XXXX {$470.00} - XX/XX/XXXX {$470.00} - XX/XX/XXXX {$470.00} - XX/XX/XXXX {$270.00} - XX/XX/XXXX {$270.00}. I don't have the exact date that I called to cancel but it was XX/XX/XXXX. My contact person was XXXX XXXX her contact Info ( XXXX ) XXXX ( cell ) email ( XXXX ), I called her to see when could i expect my refund, she informed me that I was not due any monies refunded to me. I'm attaching their contract to my complaint so that someone in your department tell me that I'm reading this contract wrong or this company has misled me, which is what I believe. Redwood Processing only reached out to my creditors to introduce themselves and to let them know that I am a client of theirs. When I asked XXXX XXXX had they ( Redwood Processing ) resolved any of my credit debts, her reply was NO.
Consumer complaint received 2020-05-21
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: EQUIFAX, INC. (NC)

Good morning, I contacted XXXX XXXX XXXX XXXX XXXX   because my credit report dropped around 47 points after I paid off a student debt in the amount of {$290.00} on XX/XX/2020 for account XXXX US Dept of Ed. Apparently, the account was marked closed and erased my payment history for this account once the balance was paid and impacted my score negatively. I called XXXX XXXX on XX/XX/2020 and they told me to dispute this with all three credit bureaus. I did this the very same day, dispute with all 3 bureaus on XX/XX/2020. Two of the three ( XXXX   and XXXX ) fixed the problem. They reflected my account was paid with XXXX balance but showed my history to not negatively impact my file. On the other hand, Equifax said the details are correct and made no change. I disputed this again with Equifax on XX/XX/XXXX and again they came back within a few days XX/XX/2020 and confirmed all details are correct and they confirmed with XXXX XXXX. I called to XXXX XXXX again today XX/XX/20 and they agreed this should not impact my credit negatively and provided me with details to contact the Ombudsman Department to file a complaint. XXXX XXXX is saying they can not force Equifax to change the details but agree they are reporting the details incorrectly that is causing a negative impact on my score. Please help me as I am only trying to pay off my student loan debt and I should not be penalized for it. I provided Equifax with my XXXX dispute details to help them report it correctly and they still disregarded my support to help fix this issue.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-14
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC (IA)

Jefferson Capital bought out an old personal XXXX account that I had back in XXXX. Life happens- and I was unable to pay the bill so I closed out my XXXX account with unfortunately money owed. 

A representative from XXXX XXXX contacted my XXXX XXXX XXXX who is not named on the bill ) attempting to reach me. They told him that they were with XXXX County Sheriffs Office, and there was an open case against me and it was imperative that I call them back immediately. The lady identified herself as a detective investing and came him a case number for me to call back. She stated that if I did not call back- legal action would be taken in the courts. 

I IMMEDIATELY reached out to XXXX County Sheriffs Department and confirmed that they had no officer by that name and that there were no pending cases tied to my name, social, or birthdate. We further confirmed with the courts that there were no open court cases.

Upon calling the number back and getting voicemail, I realized she was actually a debt collector and was using a scare tactic to get a return phone call. I left a message stating I was aware that she had identified herself as a detective with my local sheriffs officer and I had confirmed this to be false per discussion with them.

I asked for her to send any and all documentation to me in writing because at this point since she was contacting friends and family with scare tactics pretending to be law enforcement I was uncomfortable speaking with her on the phone.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo put me into CARES act forbearance without my consent. I was unable to make a payment online like I usually do. I called and was on hold for an hour but finally was able to talk to a rep, named XXXX. I told them they put me into forbearance without my consent. He apologized and said that the system is like a " hair trigger '' even though I did nothing to start a forbearance, I've never missed a payment, have no reason to apply for forbearance and am able to make payments. The rep said he would reverse the forbearance but that it would take 2-3 days and took my payment over the phone. This took place on XX/XX/20. I have recently been looking into refinancing with rates so low. I get an email today from my new potential lender stating that my credit report, which they pulled XX/XX/20, showed that my current mortgage with Wells Fargo is in forbearance, labeled " payment deferred ''. This may affect my ability to refinance my home. Also, Wells Fargo is contacting me about refinancing. On the XXXX   website and under the CARES act it states : As part of the recently enacted Coronavirus Aid, Relief and Economic Security ( CARES ) Act, mortgage accounts in forbearance as a result of COVID-19 can not be reported negatively to the credit bureaus by lenders. The wrongs are in apply forbearance to my mortgage without verbal OR written consent and the fact that they reported this forbearance to the credit bureaus. And now on my account showing the payment I made on the phone for my XXXX payment is deemed " unapplied funds '' with the description on their website : We have received funds that are not sufficient to make a full payment on your loan. If we are automatically withdrawing your payments based on a recurring weekly, bi-weekly, or semi-monthly schedule, your funds remain unapplied until we have received an amount sufficient to make a full monthly payment for you. If you are on a repayment plan and have made an agreement to make payment amounts that are different from your regular monthly payment, some funds may be unapplied. This is infuriating and could cost me ~ $ XXXX in interest savings and a decrease in previously exceptional credit of XXXX.