davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (MD)

When I was young in the XXXX just starting out in XXXX I bought a car using Consumer Portfolio 's as the vehicle loan owners. Not shortly after buying the car from a shady car dealership I was in an accident. The car was totaled. I arranged for the insurance company to look at the car after I came back from a shorty underway on our ship. I returned to my car being gone and I was told by the towing company that the dealership picked it up. I called the dealership and asked for it back because I wanted the insurance company to look at it and be able to pay it off. They said that it was given to CPS and that they did n't have it anymore. The dealership laughed and laughed while I was on the phone begging them for the car back so I did n't get stuck with a loan and no car. I contacted CPS and they stated they never had the car and that I did n't have insurance. I stated that was n't true I made payments to geico that was set up through the dealership. They stated there was nothing I could do or prove. I continued to pay for this loan throughout my career until I had a son and no longer could afford to pay for a car I did n't have. Now in XXXX, they still call and harassment for an amount on this car I have n't seen or had. They could n't tell me what happened to the car. After years of dealing with this company they finally pull a story out of no where about the car and how it was all my fault. The dealership was shut down and no one there to give me answers. They harass me and try to get my address over and over and threaten to take me to court or take my taxes. They continue to report this on my credit even though its well past six years and they no there records are wrong. How does my amount of how much I owe them continue to go up. I get calls late at night sometimes from a weird number and answer and its them. I 've spent all of my XXXX career trying to fix this issue, as I know they took the car so the insurance company could n't do a pay off and if indeed my insurance was n't paid for I know this company worked hand and hand with the car dealership XXXX to do this to me.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NJ)

I had Navient as my student loan servicer. They marked my account as being late in XXXX and XXXX in XXXX, in XXXX through XXXX of XXXX and in XXXX of XXXX. In each of these instances, I was XXXX XXXX  a class of was experiencing a hardship and had ask for a forbearance. What made it worst was that I consolidated my multiple loans with them into one loan, but they reported this bad information for each loan separately which has destroyed my credit.
Consumer complaint received 2024-09-29
Product: Credit 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: Bread Financial Holdings, Inc. (CA)

I paid the credit card in full & closed my account with Comenity Capital Bank XX/XX/year>. I received a notification through XXXX XXXX that I had a charge to that credit card. I immediately called them & tried to pay off the balance & was told the charge was for interest & I could not pay it due to the account being closed. The representative advised me to dispute it through XXXX XXXX or XXXX which I tried numerous times.
Consumer complaint received 2016-12-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

Purchased appliances from Home Depot purchasing appox {$5300.00} on XX/XX/2014. I qualified for a Home Depot credit card, which I used to purchase the appliances. Appliances were bought on a 24 month promotion, interest deferred@26.99 rate. Appliances were held at Home Depot warehouse until I was ready to start my kitchen project and I was unable to go forward with my kitchen project so asked them to return the appliances except for the dishwasher, to just deliver the dishwasher. Home Depot said they would apply it to my home depot credit card and it showed up on my home depot credit card statement as a payment of approx {$4700.00}, even though I never made a payment, but actually goods amounting to {$4700.00} were kept my Home Depot and not delivered. In my mind the promotional amount is now for just {$530.00}, the price of the dishwasher that was delivered to me. I also made XXXX separate purchases later on for approx {$230.00} and {$530.00} on my Home Depot credit card over the 24 month promotion period. Any payments I made were applied to the later purchases first and so the XXXX bal never got paid in time and they based the interest accrued on the original promotional amount of {$5300.00}, so I got stuck with a deferred interest charge of {$1100.00} for the purchase of a {$530.00} dishwasher. I contacted Home Depot credit services ( which I believe is actually Citibank ) and they said that it was reported incorrectly, that they can only go by the info they are given. When I spoke to a manager at the Home Depot store, I was told that I should have cancelled the whole order including the dishwasher and purchased a dishwasher on a new order from scratch. Of course I can not foresee how this is going to play out and believed that Home Depot is operating in my best interest. I opted not to have paper statements and when I went online I am seeing minimum payment due, a small balance, almost {$5000.00} available credit, so am in no way contemplating that I have all this interest accruing on what I consider an unrealistic, fictitious promotional amount of {$5300.00}, you do n't see if you are going online to make a payment. To apply the returned goods and show it as a payment of {$4700.00} is actually fraudulent because that did n't happen, I did n't make a payment, so they can not have their cake and eat it.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FinCo Services Inc DBA Current (CA)

On my XXXX report it shows an account from Current that is on my XXXX report that is not mine I have no knowledge of this account and I did not open a secured credit card with current I have no cards no account with that financial company.
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: SOFI TECHNOLOGIES, INC. (NY)

I apparently was a victim of theft earlier this month & I bought this up to the representatives of my bank. I noticed a lot of unauthorized transactions, that I wasnt aware of that totaled up to {$2100.00} & I filed a dispute with my bank SOFi. I provided sufficient evidence & the claim was denied within two days of me filing the dispute. I, then filed an appeal to see if the ruling can get overturned & Ive been waiting ever since for an answer from the support team. I, dont feel safe keeping my money stored there & I also dont feel valued as a customer. Someone has to bring this to their attention because its very unfair!
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WI)

On XX/XX/XXXX, i made a purchase from XXXX using my chime debit card. It was misdelivered based on the picture provided by XXXX. They originally claimed there was nothing they could do since it was marked as delivered. So i filed a dispute with chime. During this time XXXX had contacted me and asked for information. I responded with the necessary information but never heard back. On XX/XX/XXXX, i get an email that they supposedly investigated and found that no error had occurred so they denied the claim.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NV)

In accordance with the Fair Credit Reporting act JP Morgan Chase Card Services account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 consent. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason. I have not been conspicuously informed of my right to opt-out of such disclosures, contrary to 12 CFR 1016.7
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I heard about the law suit and wanted to thank you so much for doing this! I 've been so frustrated with Navient that I almost did n't believe it when I heard they will be finally held accountable for such unfair business practices! Here is my quick background : I graduated from XXXX school in XXXX XXXX with about XXXX $ in government- owned loans. In XXXX XXXX I was finally able to get hired as a XXXX for a XXXX XXXX XXXX company in Missouri. I have n't consolidated my loans yet and the interest rates varies between 5.6 % to 7.9 %. I 'm enrolled in income based repayment and owe about XXXX $! 

Here are my complaints : 1. The 0.25 % interest rate reduction ( offered to those who sign up for automatic deduction from checking account ) I lost due to missing XXXX payment should be reinstated! I was punished very expensively for not having sufficient funds one time only right from the beginig! Due to confussion, not clear communication and obtaining different answers depending on who was answering the phone, I never knew my exact due date. I was told by different Navient customer service representatives that I had many due dates because I had XXXX loans at that time and each of them had different disbursement dates, so some of them were due in XXXX XXXX, others in XXXX and others in XXXX XXXX. 
I called and tried to explain- but they said the interest rate deduction it 's not a right, but a benefit they provide by using Navient and not other company. 

2. I make XXXX $ / month after taxes. Navient wants me to pay XXXX $ a month as part of the income based repayment plan!!! At this rate, I would be debt free in my XXXX? I called so many times and asked them to please increase my monthly payment to about XXXX $ so that way the money gets distributed over all my XXXX loans including principal not just interest. Of course, I pay extra myself every month but my XXXX, how careless of them to just let people pay the bare minimum necesary and get stuck paying loans for the the rest of our lives. I also need to save for a downpayment on a home. I really hope I 'll be able to get a second loan for my first home. 

3. Navient please let students now that, if they are military spouses, and the XXXX XXXX spouse cosigns for loans, all those loans ' interest rate will be capped to about 6 % or lower. I realy wish I knew this. I could have saved so much now. I just borrowed without a cosigner. 

Thank you so much for reading this! Good luck and may XXXX prevail!
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

Please consider this correspondence to be formal notice that your company has failed to comply with the " Early Intervention '' requirements of XXXX XXXX, XXXX. XXXX CFR XXXX by failing to provide our mutual client with notice of a final date for loss mitigation options. Our mutual client advises that they did not receive the live contact that was required no later than the XXXX day of delinquency pursuant to XXXX XXXX XXXX XXXX a ) and did not receive the written notice of available loss mitigation options required by XXXX CFR XXXX XXXX b ). 
Please postpone the foreclosure sale scheduled for the aforementioned date, to afford time necessary to comply with these loan servicing requirements.
Consumer complaint received 2016-12-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NJ)

Santander Bank has a collections account listed on my credit report for the past 3.5 years. I have been trying to get this off of my report for a along time. I have sent a police report and a FTC Affidavit to them on several occasions and they have never responded to any of them. I called an emailed and called and emailed and absolutely nothing. This account is fraudulent and needs to be removed from my credit report and this is n't fair to me to continue to have to go through this. I have been fighting this for over 3 years and it needs to stop.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
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: Chime Financial Inc (CA)

CHIME BANKING HAS BEEN FREEZING MY FUNDS CONSTANTLY FOR ABSOLUTELY NO REASON AT ALL. I SPOKE WITH MULTIPLE MANAGERS VIA RECORDED PHONE CALLS .FOR HOURS AND WEEKS AND EVERY DAY THEY FREEZE MY ACCOUNT AND SAY THAT ITS ABOVE THERE HEAD.THEY HAVE CONSTANTLY APOLOGIZED AND HAVE NO RESOLUTION AT ALL. I have {$500.00} in my account and my money has been stuck in there for months. IVE VERIFIED ALL MY DOCUMENTS IN EVERY WAY AND MY FUNDS THAT I WORK FOR ARE CONSTAYBEING FROZEN EVEN NOW AS WE SPEAK. Please help me thanks
Consumer complaint received 2016-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HW Holding, Inc (CA)

I entered into a lease with my ex husband at the XXXX and we are both equally responsible for paying the amount that is owed. the XXXX are well aware of the tenant i lived with abandoned the residence therefore leaving me with the full debt.I would like to resolve the issue by paying half the amount that is owed to the collection agency.
Consumer complaint received 2016-08-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (MO)

Deposits made at Ally are stated to be available as first {$200.00} next business day and the rest after. Regularly, I make deposits on the weekends. The availability notification ( email ) is not sent until Tuesday morning. Usually this email says some is available Tuesday ( although this is actually 2 business days ). This case had about {$700.00} ( XXXX checks ) deposited Sunday morning. Assuming they would at least be partially available Tuesday, I scheduled bill payments for Tuesday and Wednesday. I received an email Tuesday morning that multiple overdrafts occurred. Then I got an email that my deposit checks would be held for XXXX5 business days from this Tuesday. I called and they said in fact 5 business days from Tuesday, meaning that I made the deposit on XXXX and it would be available XXXX. The reasoning is " too many overdrafts ''. 

My issue is that 1 ) I was as never notified that I 've had " too many overdrafts '' and fell into this category. It has never been this way. I have never had a bounced check. How many is " too many ''? Why 5 days instead of XXXX, in XXXX? Why 5 days from Tuesday, not the day the deposit as made? If the deposit availability was clearer, I would never have overdrafts but this cycle just continues. 
2 ) the bank should notify me, at the latest, Monday, for a Sunday deposit if there will be a hold l, so that I can not schedule bill payments. This would prevent these overdrafts 3 ) the reason this check is on hold ( overdrafts ) is causing more overdrafts and thus continuing the cycle. 
4 ) with this very long hold, there will likely be an overdraft every single day from now until the money is available. A {$25.00} fee each day for the next XXXX8 days, plus the returned payments from the loans/creditors. It will end up costing me more in fees than the original deposit and in the end I will again be negative and overdrafted from the fees, even after the deposits are made available. 
All of this could have been prevented and been more fair if the bank had notified me that either my account was in this situation where desposits would be held or notified me in the first 24 hours of making the deposit that this would be the situation. Neither was done, and I assume it was in order to capitalize on the massive fees. 
This entire practice is so very unfair. It is my money being held so long and at the bank 's discretion, which they deceptively practice. It continues the cycle of massive overdraft fees and making the bills I try to pay bounce. 

This bank also practices processing all outgoing payments prior to all deposits for each day which maximizes their overdraft potential. This has left me with a positive balance for a day even though I ended up with overdraft fees. Again, very deceptive and maximizing these fees, in addition to putting me into an unnecessary category of " too many overdrafts ''.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (AZ)

Subject : Urgent Complaint Against XXXX XXXX XXXX and PayPal Dear XXXX, I am writing to express my deep frustration and concern regarding the ongoing issues I have faced with XXXX XXXX XXXX and PayPal in relation to my winnings and the subsequent handling of my case. 

As previously mentioned, I won {$1500.00} from XXXX and, after receiving an initial payment of {$500.00}, I have been unable to access the remaining {$1000.00} due to the merchant blocking me and canceling my invoices. I attempted to resolve this through PayPal, only to be informed that while they acknowledged the payment was authorized, they could not override the merchant 's bank due to the chargeback process initiated by the merchant. 

PayPal representatives indicated that the merchant 's bank would conduct an investigation that could take up to 75 days. It has now been 90 days with no updates or resolution regarding my funds, which remain on hold. I am additionally holding the merchant accountable for the outstanding {$1000.00} that they owe me. 

I have taken all necessary steps, including filing a police report and an XXXX report, to address this situation. However, I feel that I have been left with no protection and my rights have been violated throughout this process. The treatment I have experienced has been unfair and unjust, leading to significant distress and suffering. 

I am now prepared to pursue legal action against XXXX, PayPal, and the merchant 's bank for my losses, emotional pain, and suffering as a result of this situation. It is unacceptable that all parties involved have failed to take responsibility and provide a resolution. 

I urge you to take action in this matter and help facilitate a resolution. Thank you for your attention to this serious issue.
Consumer complaint received 2024-09-27
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: AMERICAN EXPRESS COMPANY (FL)

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 I should have been charged {$150.00} XXXX from XXXX company called XXXX XXXX. Instead I was being charged by both XXXX and XXXX XXXXwhen they are the same company. And I only been using XXXX XXXX since XXXX.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I sent a letter requesting debt validation and verification. No response from debt collection agency. They continue to report to all 3 credit bureaus and the accounts being reported are inaccurate. The accounts are shown as open and they are continuously updated with dates to prolong derogatory presence on my credit reports.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/year> I got hit with a late fee. The reason for this is because I never got the bill and it kept going to my spam folder. I had called zales about this matter and they said if I made the payment and paid the account off in full they would remove this late fee as good faith since i've NEVER been late. For some reason they did not remove the late fee on my credit report which is the current situation. I have tried to call them a few times about this manner and they seem to not know what there doing and giving me the run around.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> CarMax Auto Finance XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Communication Dear CarMax Auto Finance , I am writing to formally request that you cease and desist all communication with me. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me regarding any accounts or debts. 

Please be advised that I do not wish to receive any form of communication from you, including, emails, letters sent to my home address, or any updates reflected on my XXXX credit report. 

This request is made to ensure that you are in compliance with the FDCPA, and I expect no further communication from your organization. Any continued contact will be documented and may result in further action. 

Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: M.A.R.S., Inc. (KS)

They have tried to charge me for things that where already cleaned and moved from the apartment and rudely spoke I felt they had treated me wrong because of my XXXX and by the way there where acting towards me 15 U.S Code 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication