davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX Last 4 of account XXXX XXXX XXXX Comenity Capital Bank I am writing to formally file a complaint against XXXX XXXX XXXX XXXX credit card for what I believe to be unfair and deceptive practices related to their payment processing system and the imposition of late fees. 

1. Payment Processing Limitations and Time Zone Restrictions : On the due date of my payment, I attempted to make a payment through the credit cards online system. However, I was forced to schedule the payment for the following day due to a cutoff time imposed by the bank based on their time zone, which was not aligned with my local time. This limitation unfairly penalizes consumers who are unaware of the specific cutoff times and are operating under the assumption that a payment made on the due date would be processed accordingly. This practice creates a misleading expectation and can easily result in late fees, which I experienced. 

2. Imposition of Late Fees on Late Fees : Following the delayed payment, I was charged a late fee. However, to my dismay, I discovered that I was subsequently charged a late fee on the previous late fee, despite the fact that I raised concerns and disputed the original charge. This practice appears to violate the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ) and the Truth in Lending Act ( TILA ), specifically under 12 CFR 1026.52, which prohibits creditors from imposing multiple penalty fees for a single violation.

3. Deceptive Practice of Waiving Fees Only After Account Closure Request : When I called the customer service department to dispute the late fees, I was initially denied any relief. It was only after I requested to close my account that the representative agreed to waive the fees. This tactic feels like a coercive and deceptive practice designed to retain customers by offering fee waivers only when the threat of account closure is imminent. Such behavior not only undermines trust but also puts consumers in a situation where they are forced to endure unfair treatment unless they take drastic measures like closing their accounts. 

Conclusion : I believe the actions taken by XXXX XXXX XXXX XXXX credit card, including the limitations of their payment processing system, the charging of late fees on top of other late fees, and the manipulative practice of waiving fees only upon account closure requests, constitute unfair and deceptive practices that violate consumer protection laws. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these practices and take appropriate action to ensure that consumers are not subjected to such unfair treatment. Furthermore, I would appreciate the opportunity to discuss this matter further to provide any additional information that may be required. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

I got the credit card about 4 months ago give or take at the beginning everything was ok, about I say XXXX of paying my bills every month went XXXX.I would pay my bill when I suppose to and every month after I would get a statement saying it didnt go through.upon checking my account and bank it was showing me and told me payment was taken out XXXX weeks later.Speaking to different associates at different times I was getting different answers? XXXX Speaking to a manager named XXXX, he clarified that payment had not been taken out until around XXXX of the month. I ask why, he stated that because I have had insufficient funds, only reason that would be because they take out funds not until XXXX, weeks later.Im so confused and frustrated about this matter I need someone to help me figure this out.please contact me ASAP XXXX thank you
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/year>, I reviewed my credit report and found a collection account from LVNV Funding LLC, originally from XXXXXXXX XXXX XXXX XXXX XXXX, for a balance of {$430.00}. I do not recognize this debt and believe it to be inaccurate. I have sent a formal debt validation request to LVNV Funding LLC, disputing the debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have requested detailed information regarding the debt, including signed agreements, a breakdown of the charges, and proof of obligation, but have not received any validation to date. Despite this, the account continues to be reported on my credit report. 

I have attached a copy of the letter I sent to LVNV Funding LLC and request your assistance in ensuring they comply with federal law.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Dear sir or madam, {$1600.00} was taken out of my account at the chase location located at XXXX XXXX, XXXX, NY XXXX Employees are refusing to provide ATM video evidence from their location or reimburse me for the fraudulent transaction that happened on XX/XX/year> an XX/XX/year>. 
I will provide the police report upon request.
Consumer complaint received 2024-09-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IN)

The debt collection agency Transworld Systems Inc has reported a collection account to the credit bureaus on my credit report. The account relates to my past tenancy at a residential apartment. This collection agency collects on behalf of landlord, XXXX XXXX XXXX XXXX, and their associate property manager, XXXX XXXX XXXX, who are notorious for engaging in illegal and deceptive practices of charging the accounts of the tenants with amounts which are not authorized by the lease agreement. And if left unpaid, they report them to the credit bureaus via Transworld Systems Inc, so that the tenants can be blackmailed into submission for paying these amounts by affecting their creditworthiness. 

My account with the landlord was charged with amounts which are expressly barred by law of state of Indiana. And Transworld Systems Inc, which is acting as the collection agent, is accessory to the illegal schemes of the landlord and their associates, by assisting the landlord in collecting these illegal claims in gross violation of FDCPA and FCRA.
Consumer complaint received 2016-07-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (TX)

My loan servicing company XXXX XXXX ( Stearns Lending ) is constantly increasing my monthly mortgage payments every few months. The reason for the increase is due to underpayment of escrow. I just do n't understand how my escrow account is short every few months and without explanation I am required to pay this amount. Soon thereafter, the payment decreases for a few months, then it increase again. This is ridiculous. Most people leave on a monthly budget and this makes it unfair to continue to fluctuate payments so frequently.
Consumer complaint received 2024-09-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (NY)

Freedom Mortgage Re : XX/XX/year> Mortgage Payment Paid to Wrong Company Remove late payment due to bank error The XX/XX/year> mortgage payment paid on time via XXXX XXXX XXXX on Saturday XX/XX/XXXX to Freedom Mortgage. See screen shot 1 showing the payment history of the payment made to the Bill Payee Freedom Mortgage. 

XXXX made the payment to the wrong company called XXXX XXXX XXXX XXXX When selecting the payee, Freedom Mortgage was entered with the account number. You can not go to the next screen without entering the account number. See Screenshot 2 Hit next, and XXXX Bill Pay presented XXXX XXXX XXXX XXXX and Freedom Mortgage as the next options. Given that Freedom Mortgage was already selected, any reasonable person would think that both selections, XXXX XXXX XXXX and Freedom Mortgage, are both associated with Freedom Mortgage. See Screenshot 3 Payment was made to the XXXX XXXX XXXX. The XXXX XXXX XXXX has no affiliation with Freedom Mortgage. XXXX XXXX XXXX should not have been presented as an option under Freedom Mortgage. This is the XXXXXXXX XXXX  error. 

Freedom Mortgage did not receive the XX/XX/year> due to a XXXX bank error. 

Freedom Mortgage was notified of this issue by m a few times via calls to the customer service center at XXXX. During these calls I provided documentation that the payment was made to the wrong company XXXX XXXX XXXX. The Freedom Mortgage agents and managers advised me the payment would not be considered late as I worked to get the monies back from XXXX XXXX XXXX XXXX. No Freedom Mortgage agent advised me that payment must be made to avoid a late payment. 

I made the next month 's payment, and when I received the money back from the XXXX XXXX XXXX, I sent the payment to Freedom Mortgage. It was very difficult to get the money back from the XXXX XXXX XXXX, and XXXX would not reverse the payment that was obviously made to the wrong company. See XXXX XXXX XXXX email thread copies. 

Due to the error by XXXX, the late payment for XX/XX/year> should be removed from my credit report
Consumer complaint received 2024-09-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (FL)

I am filing a complaint against WestLake Financial services for violating the Fair Debt Collection Practices Act ( FDCPA ).

WestLake Financial services has not provided validation information as required by law ( 12 CFR 1006.34 ( b ) ( 5 ) ) but has placed a collection on my credit report.

* I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

WestLake Financial services is using false, misleading, or deceptive means to collect the debt. Westlake financial services furnished the account to a consumer reporting agency without providing the required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
I request that the CFPB investigate these allegations and take appropriate action against WestLake Financial services. I want this collection deleted from my consumer report due to all the violations. By submitting this complaint I authorize the CFPB to contact me for more information or updates.
Consumer complaint received 2024-09-03
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TN)

Received a letter from Transworld Systems Incorporated stating that I have a XXXX loan and have till the end of XXXX to sgin up for a program through them. First I've never applied for a XXXX loan. What are my options?
Consumer complaint received 2024-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (MI)

sent letters to aargon agency asking for validation of debt after the 30 day mark I didn't know the account had been sent to them the original account was with XXXXXXXX XXXX neither company never notified me see previous complaint with cfpb XXXX aargon replied the debt is verified when I never received anything in the mail from them I want proof these things were sent to me I have the right by law 15 u.s.c. 1681i I have filed a complaint with the ftc and if this is not resolved I will be contacting an attorney aargon has no proof these documents were sent to me ... .also the dates in aargons cfpb response don't match up with what is on my credit report..
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Waypoint Resource Group, LLC (FL)

CFPB ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX, XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I have no signed payment agreement with this company. Please stop collection efforts and remove from my credit report immediately. Show me a contract or remove report.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

On XX/XX/year>24 My Social Security check was deposited into my Chime account. XXXX XXXX hours before I knew that the deposit was made my money was withdrawn from my account in XXXX separate transactions and deposited into a XXXX XXXX 's XXXX XXXX  account. Without my knowledge or consent. I filed a dispute and with in XXXX hours my dispute was canceled and I was told that I called and canceled the dispute which I did not do. I reopened it and was told my money would be refunded to my account on or before XX/XX/XXXX. Then when I called to see why my money had not been refunded, I was told that no fault was found and that my dispute was canceled. I have reopened itagain. 
Then on XX/XX/XXXX I wasn't a register at XXXX to with draw my Fire Department retirement check so I could close my Account with Chime. As I was making the withdrawal and I had my open Chime app I saw my money beTransfered from my credit builder account my checking account. I immediately transferred it back. Then it was was transferred back to my checking account, and this went back and forth 3 to 4 times and then I was kicked out of the app and my {$800.00} was used to purchase Bitcoins. I immediately called Chime and explained the situation and the agent could see the back and forth transfers and said he blocked the transaction for the bitcoins. And that my money would be refunded in 3 to 4 hours maximum. As of today and numerous phone calls to Chime I still have not received my refund yo my account. It seems as though someone in Chime has access to customer accounts and knows when direct deposits are due and is stealing customers money. I get nothing but excuse after excuse and nothing is getting done to help me get my money back. I have lost over, {$3000.00} in XXXX alone.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GLA Collection Company, Inc. (KY)

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I hereby request that you provide validation of this debt, including but not limited to the following : 1. The amount of the alleged debt : A comprehensive itemization of the debt claimed, including the principal amount, any interest, fees, or other charges.

2. The identity of the original creditor : Full disclosure of the name, address, and contact information of the original creditor, as well as any associated account numbers.

3. Verification of the debt : Copies of all documents, contracts, agreements, or any other instruments that substantiate my obligation to pay this debt.

4. Proof of your authority to collect the debt : Legal documentation establishing your agencys right to collect this debt, including any assignments or transfers from the original creditor.

Take notice that under 15 U.S.C. 1681s-2, you are mandated to report only accurate information to consumer reporting agencies. As such, you are required to inform all credit reporting agencies to which you have reported this debt that the debt is disputed. This notification must be made within five business days of your receipt of this letter.

Failure to comply with the provisions of 15 U.S.C. 1681, including but not limited to your obligation to validate the debt and to report it as disputed, will result in immediate legal action. Such action may include filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), as well as pursuing all available remedies under federal law, including monetary damages, statutory penalties, and the recovery of attorneys ' fees. 

Furthermore, you are hereby notified that any continued attempts to collect this alleged debt without proper validation, or any failure to cease communication in violation of the FDCPA, will be considered harassment and will be met with swift legal action. 

You have 30 days from the receipt of this letter to comply with these demands. I expect your response to include all requested documentation. Any correspondence must be sent to the address provided above. 

Failure to respond within the legally required timeframe will result in an escalation of this matter to the fullest extent permitted by law.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In accordance with the Fair Credit Reporting Act Convergent Account has Violated my rights ( PORTFOLIO RECOV ASSOC {$1500.00} XX/XX/XXXX XXXX and another {$1300.00} XXXX XX/XX/year> ). I have never owed PORTFOLIO RECOV ASSO 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC (CA)

I believe it was XXXX XXXX XXXX it stated, but I remember applying for a loan but not receiving it or confirmation that I received it at all so I figured it failed. It doesnt even register that I have a account with them at all but it is on my credit report.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (IL)

I believe my I believe my identity have been compromise leading to several a credit report that Im not familiar with. I have requested information from these companies from various amounts ranges from XXXX XXXX XXXX. I want even {$4000.00}. Neither get back with me.
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance (TX)

I am writing to file a complaint against a buy here pay here ( BHPH ) car dealership that has violated the Truth in Lending Act ( TILA ) and engaged in fraudulent practices. I am seeking your assistance in resolving this matter and holding the dealership accountable for their actions. 

The dealership in question has broken several provisions of the TILA, rendering the contract null and void. Firstly, they claimed to finance the deal themselves, but a third-party corporation is taking payments and enforcing the contract. The third-party finance company admitted on a recorded line that they do not have power of attorney over the contract. Moreover, there was no disclosure of the third-party financing company during the purchase agreement and retail installment contract signing. I have sent them several notices, including validation of debt, cease and desist, revocation of power of attorney, an affidavit of truth, and a notice of fault and opportunity to cure and to contest acceptance. 

Additionally, there was never a disclosure or agreement that my information would be passed on to a third party for repossession or for a third party to finance on their behalf. This lack of transparency is a significant breach of trust and a violation of my privacy rights. 

Furthermore, I have discovered several other instances of fraud on the contract, including finance charge inflation, the inclusion of a dealer 's inventory tax, a {$2000.00} down payment that constitutes auto dealer fraud, and four amounts paid to others that were not clearly itemized. The dealership also failed to disclose my right to rescission, which is required under TILA. 

I have also had issues with the payment schedule, and I requested that it be changed due to a change in my job 's pay schedule. The dealership attempted to refinance my car and charge me an extra {$20.00} per payment because I was being paid bi-monthly instead of bi-weekly. However, they have now refused to change the payment days, restricted my online payment access, and are refusing to accept a partial payment because I am behind on two payments, which is all because they would not change the pay days before I started the steps to arbitration. Additionally, the dealership repossessed my car on XX/XX/year> between the hours of XXXX CST. This repossession was carried out without proper notice or legal justification, as I was not actually in default on my payments at the time of repossession. 

I have attempted to resolve this matter outside of court, but the dealership has refused to settle the matter in good faith. 

I request that you investigate this dealership 's practices and take appropriate action to hold them accountable for their violations of TILA and fraudulent practices.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NC)

LVNV Funding LLC, a debt collection agency has unlawfully reported derogatory information {$1400.00} on my credit report without my consent or proper authorization. Specifically, I have not signed any application or contract with this agency, nor have I provided them with a valid copy of my drivers license or any other form of identification that would allow them to legally report this information. The agency has failed to provide a copy of any wet signature contract or application demonstrating my consent, which raises concerns about the legitimacy of their actions. I also have not given this agency the authority to access or report any information related to me under the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing, and I respectfully request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately. Thank you for your attention to this serious issue. I look forward to your prompt assistance in resolving this matter.