davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (NY)

Every time I think I am finished paying off cima leasing they keep Adding More money to my Bill Im never finished paying off I bought my Prescription Glasses from XXXXXXXX XXXX XXXXXXXX the cima is doing the leasing loan now I am paying double for the Glasses I Purchased for {$1200.00} Acima is overcharging me they keep putting in my Account that is a New Purchase I bought the Glasses in XXXX of XXXX  and they are putting on my Account that is a Rent that I am Paying I do not understand Acima need to be investigated for overcharging their Customers
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MO)

In XXXX I co-signed on an auto loan with XXXX for XXXX daughter. In XXXX she filed bankruptcy and continued to pay on her auto loan. At that time they told her they would no longer send her any correspondence regarding the account and she started making her payments online. I was not a part of the bankruptcy but did not receive any notifications or information about the account at any time since then. In XX/XX/XXXX she spoke with a representative who told her she had XXXX remaining payments until the loan was pain in full. She made those XXXX payments and thought she had pain it in full. At no time did she or I receive any type of notice about any outstanding balance due. The first indication of this was when I was notified by the credit bureaus that I had a XXXX day late on my credit report from XXXX XXXX I knew nothing of this, was never notified, or given the opportunity to pay the balance. I would have paid the balance immediately if I had any idea that it was outstanding. I have not been aware of any of the information regarding this loan since XXXX. We have both tried contacting XXXX by phone multiple times, she has sent a letter, and I have filed disputes with the credit bureaus but XXXX refuses to remedy this situation. They state that they do not have to notify me because it was in bankruptcy. I was not part of the bankruptcy and was not given any opportunity to fix the problem and yet they are able to directly impact my credit report over something I had no control over at all. I hope this is not how our financial system works. I try to keep my credit reports in good standing but am now being told that because of technicalities they can punish me for something I did not do. This will impact me for years and for some reason XXXX seems determined to do it. The loan was paid perfectly throughout its term and did not have a late until this fiasco at the end, that I believe is XXXX 's responsibility. I have tried to discuss it with them, thinking that they would be understanding when they knew the circumstances but to no avail.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This account from XXXX XXXX was charged off on the following date : XX/XX/XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXXXXXX Account Number : ending on XXXX Also this account was deleted from XXXX on XXXX i have letter proof open attach.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (ME)

On XX/XX/2018 we contacted XXXX 's XXXX about a past due bill. They directed us to Transworld System. We called and asked what was the amount we needed to pay to pay this account in full. We were told to pay {$660.00} to pay this account in full, that they could waive a {$100.00} off. We gave our credit card info and paid the amount. Not more than 10 minutes later, the representative called us back and stated that she did not have the authority to waive the {$100.00} and our account was NOT paid in full and we needed to pay it. I asked to speak to a supervisor and was put in touch with XXXX XXXX collections supervisor. I stated that I thought it was illegal to tell us the account was paid in full and then to call back and demand more money. When I threatened to file a complaint she said that the money would be waived. Now I find that she did not waive the XXXX and that our credit bureau account reflects that we failed to pay in full. When I called on XX/XX/XXXX looking for the letter that was promised, I was told the account was paid in full and the letter was on it's way. Today, I checked our credit and find that they lied and we still owe the {$100.00}!
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (MI)

On XX/XX/XXXXXXXX  I noticed my created report was hit with an account that was sent to a collection agency. Some XXXX place gave credit to someone using some of my information. My credit has been locked for 8 years. I asked the debt collector to validate my information and they could not. Wrong birthday, wrong home address and wrong phone number. I filed fraud at all 3 credit agencies the same day I called the debt collector. Between XX/XX/XXXX and XX/XX/XXXX all three had reported back and said the debt was valid and accurate. I called the debt collector again and found out the credit agencies gave them the rest of my information, they now said they have my birthday home address and phone number. They replied they are contacting there customer to have the validate the information on there end. XXXX  is the debt collector.
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Premier Mortgage Resources, LLC (WA)

I purchased a home through Premier Mortgage in XX/XX/XXXXXXXX XXXX This property consists of XXXX tax parcels. Taxes were paid on all three from escrow initially, but the remainder of XXXX taxes, and XXXX taxes were only paid on one of them. Premier sold the loan in XX/XX/XXXX ( and it was sold again in XXXX ) and both companies who took over the loan have been paying taxes on all three parcels. 

Besides late fees and interest on the taxes, the property was assessed for taxes this year. I submitted an appeal because the change in taxes was astronomical ( one of the parcels had a XXXX increase in value! ). My appeal was not considered because of the back taxes, and I was not made aware of this until after the appeal period had closed ( this is when I became aware of the back taxes at all ). I lost my opportunity to appeal this obviously incorrect valuation, because of Premier 's failure to pay taxes correctly.

In addition to this, although I arranged Flood insurance through my insurer at the time of purchase, Premier took out their own flood insurance XXXX XXXX  and paid for this through escrow ( as well as the one I arranged ). They did not pay for the renewal of my flood insurance policy in XXXX, instead renewing their own. When they sold the policy, the new mortgage holder informed me there was no flood insurance, and when I tried to reinstate it through my insurer, the FEMA policy price had increased from {$2000.00} to {$10000.00}, because of the lapsed period. The new mortgage holder has taken out their own insurance, so I have not had to pay the $ XXXX, but I would like to return to having a FEMA policy in my own name, through my preferred insurer, but can not without this greatly increased cost, because of Premier 's failure to pay insurance correctly. 

I have tried to address this with Premier directly. When I call, they pass me around/put me on hold for hours while they " look into it ''. If I call back, they have no record of previous conversations, and start to do the same again. They refuse to engage in writing so I can have a record of their communication. I have no option at this point but to escalate this through CFPB. 

Attachments show my escrow statements from Premier and the two companies that have taken over the mortgage this year.
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (CT)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

So I got behind on my payment 2 months. I contacted mortgage company about my financial hardship. They told me I was not on mortgage I told them that XXXX XXXX  XXXX was aware of my father 's death 10 yrs ago before they sold Carrington the mortgage. Carrington then bounced me around to 3 different people that had no idea what the other was doing. Carrington then had me submit death certificate and other paperwork, which I did. Then they had me submit other paperwork that would end up not being what they needed. I was trying to get loss mitigation paperwork filed, but they kept telling me that I'm not on mortgage so they can't speak to me about mortgage. All the while time was going by getting closer to auction date. I wasn't offered covid relief program or nothing. I kept filling out paperwork they would send then they would tell me it wasn't the correct paperwork. This went on for 4 months. They had no problem cashing my personal checks for XXXX yrs for mortgage payments, but can't tell me my options or even speak on loan situation. They also quit excepting my payments. I have all our email correspondence saved that shows the negligence of Carrington and how they illegally sold my house.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Telling me that I had insufficient funds when what happened was I switch my auto dates from the first of the month to the last of the month. And the company is saying I did not have sufficient funds to pay my car note. I have bought 2 cars from this company trying to purchase another one and they are telling me that I am not qualified for the loaned, because of insufficient funds. Getting the information from someone. They will not tell me where this information is coming from. But I know it's not true.I pay my car payments every month.On time.
Consumer complaint received 2024-08-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (MO)

The companies listed below did a bait and switch on me and my sister. My sister was shopping for a car, XXXX XXXX XXXX ( XXXX ) she test drove it and decided not to purchase because the price was too high and it had high mileage. I was only supposed to be the co-applicant for this car. I was trying to help her get a car. I live in a different state from her. I received an email from Ally Bank, that I was the applicant for a XXXX XXXX XXXX, and my sister was the co-applicant. The dealership is XXXX XXXX in XXXX, Ohio. The salesman was XXXX, this was his doing and the Sales Manager, XXXX XXXX at XXXX XXXX. I never signed anything, no money was ever exchanged. I told XXXX on the phone I was the co-signer. My sister test drove a XXXX XXXX XXXX. Where did a XXXX XXXX XXXX come from? I would like all of the following inquiries erased off of my credit report : Ally Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I am so upset about this bait and switch tactic. I am also upset that this is on my credit report. Please let me know if there is anything else I need to do in regard to this matter. Sincerely, XXXX
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I tried tranferring funds to my chime account from XXXX account. Then, my account was put on hold cause suspicious activity when both account are under my name. Chime wanted me to submit proof that XXXX account wss in my name w a bank statment but i couldnt because the account was already closed and now try and wont open my account back up and let me have access unless I send them proof of the account being closed in XX/XX/year>XXXX XXXX
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (WV)

So XXXX XXXX  closed my account without me knowing and when I tried calling to remedy the situation and pay off my debt they declined my payment and said there wasn't anything they would do to help prevent anything from leaving a negative mark on my credit report instead of trying to help me they opted to sale my debt to a debt collection agency TrueAccord and when I asked for debt validation they disregarded my request and then they became more aggressive when I mentioned that trying to collect on a unvalidated debt is null and void so I gave them 30 days to provide validation which never happened and when I gave them final notice I expressed my concern about me feeling like my rights was being violated and I also mentioned that all communications would be recorded for my personal records then soon after they were basically trying to mock and entagonize me I don't usually name any names but I am going to say that the worker from TrueAccord who's name is XXXX XXXX is the one who was trying g to mock and bully me into paying the institution a astounding {$590.00} which I'm not paying to a institution that finds humor in making fun of people and then trying to charge them almost {$600.00} this institution has caused me serious mental issues and defamation of my character and is considered not only rude but very disrespectful and I will not ever do business with this company ever as long as I live and I promise also I will expose the unfair and emotional and personal abuse I've experienced from this company to everyone I can because this is wrong and unmoral and unethical personally and professionally.
Consumer complaint received 2024-08-16
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: SANTANDER HOLDINGS USA, INC. (NY)

There were multiple attempts to try hard inquiries on the same day and same time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't have accounts with any of these or ever was notified an attempt to work with these organizations at any point. I wouldn't ever allow these many hard inquiries in such a small period. 

Thank You
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (FL)

I request a new credit card to pay my rent. This credit company is XXXX. The reason why I request it is to get points paying my rent. I paid the month of XXXX without issue but the month of XXXX the payment didnt get processed for not having enough available credit ( XXXX ). The next day I called XXXX by Wells Fargo. They promise me that my credit will go up after the payment get clear by them. I even stated that I didnt want to get payment returned and they promised my that it wouldnt happen cause its was getting process. I called them again after that day because I wanted to make sure they still told me to do not worry about it. XX/XX/year> the payment got returned and got charge with a lot of late fees, on top of that I dont have access to my online payment anymore, and I have to pay with money order now on due to a fake promise made my the agents of Wells Fargo
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

Subject : Urgent Request for Reinvestigation, Reimbursement, and Account Resolution Case No. XXXX Dear Cashapp and XXXX XXXX Account Specialist Teams, Thank you for your prior communication. I am writing to formally request an urgent reopening of my claim ( XXXX XXXX. XXXX ) and a comprehensive reinvestigation of the recent transactions that have affected my account. 

Unfortunately, my card was lost and subsequently stolen, leading to unauthorized transactions that depleted all the funds on my account. I did not authorize these transactions, and they were carried out by a fraudster who gained access unlawfully. Given these circumstances, I am requesting that you please reconsider your decision, as I believe it does not reflect the reality of the situation. 

I am requesting the following actions : 1. Immediate reimbursement of all lost and stolen funds that were fraudulently accessed.

2. Issuance of provisional credits to cover these losses while the investigation continues.

3. Closure of my current account to prevent further unauthorized transactions.

4. Approval for a new Cash App account to continue using your service securely moving forward.

This situation has been extremely distressing, and I would greatly appreciate your prompt attention to resolving this matter. I believe that, with your help, this issue can be quickly resolved to ensure I am not further affected by this unauthorized activity. 

If this situation is not resolved, I will be forced to pursue further action, including submitting complaints to major regulatory bodies. However, I am hopeful that Cash App will take the necessary steps to correct this situation without further escalation. 

Thank you for your immediate attention and understanding. I look forward to your swift response and a positive resolution to this matter. 

Sincerely, Name : XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-08-15
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 (IL)

I filed a dispute with chime multiple times and not only did they not give me a credit, they haven't provided a reason why. Both times were XXXX and XXXX. I have called multiple times and they are repetitive with no resolution. If there is no one at fault there should be evidence and they're not allowing me that right.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Upgrade, Inc. (CA)

Unexplained Account Suspension of by Upgrade Inc. ( https : //www.upgrade.com/ ), my funds are still stuck inside Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against Upgrade Inc. regarding the unjustified suspension of my checking account. My account, which holds a balance more than {$1000.00} USD, was suspended without any prior notice or valid explanation. 

Over the past 2 weeks, I have made multiple attempts to resolve this issue directly with Upgrade Inc., both through emails ( sent to XXXX XXXX XXXX  ) and phone calls ( by calling XXXX as instructed on their website ). Unfortunately, each time I have been told simply to wait, with no clear explanation or timeline for when this issue will be resolved. This lack of communication and accountability is unacceptable, and it has caused me significant financial stress and inconvenience. 

Given that I have been unable to access my funds for an extended period and have received no meaningful assistance from Upgrade Inc., I am requesting that the Consumer Financial Protection Bureau intervene in this matter. I urgently need your help to recover my funds and ensure that Upgrade Inc. adheres to fair and transparent practices in dealing with its customers. 

Please let me know if you require any further information or documentation to assist in resolving this matter. I appreciate your prompt attention to this serious issue. 

Thank you for your assistance. 

Best regards, XXXX : XXXX XXXX XXXX : XXXX Account number with Upgrade : XXXX
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I applied for a XXXX credit card and was denied for my personal credit score. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). CHASE has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter sent me is both a proof and evidence that I have been discriminated against, CHASE is also criminally liable. CHASE should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT.
Consumer complaint received 2024-08-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMS-Recovery Management Services, Inc. (NC)

Under FDCPA this company is in violation because I have requested validation of debt and the company fails to respond with proof of debt. Under15 USC 1681s-3 I did not authorize any institution to sell my information.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.