davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

I obtained a car loan XX/XX/XXXX with XXXX XXXX  who is located in XXXX, FL, through the car dealership, XXXX XXXX XXXX in XXXX, FL. The financed amount of the loan was {$18000.00}, with a XXXX XXXX annual percentage rate. Total of {$32000.00}. 
In XXXX of XXXX, I received a call regarding my payment from a Westlake Portfolio Management. Not knowing who they were, I refused to make a payment, until a letter was sent notifying me that they were now the loan holder. From XX/XX/XXXX until XX/XX/XXXX, all payments were made to Westlake. The copy of the payment history provided to me by Westlake Portfolio does not show how my payments were allocated from XX/XX/XXXX through XX/XX/XXXX. In fact, the principal balance actually went up during the month of XX/XX/XXXX even though I made payments totaling {$1700.00} just in that one month. 
I received a notice XX/XX/XXXX that the amount due on my car loan was {$4200.00} due by the XXXX of the month. When I called Westlake Portfolio to question the amount, I was advised that was what was still due on the loan even though my final payment ( XX/XX/XXXX ) of {$420.00} was to be made XX/XX/XXXX. 
When I asked Westlake Portfolio for a copy of my payment history, they can only provide details on the payments made to them. The payment history from XX/XX/XXXX - XX/XX/XXXX, only shows the amounts I paid, not how the payments were applied to the loan. There are several inaccuracies with both the payments and the " principal '' amount that Westlake Portfolio assumed.

I have verbally and in writing requested that Westlake Portfolio Management provide me a breakdown of the payments made, to no avail. They have been sent a certified, return receipt request letter of dispute and based on the date it was signed for ( XX/XX/XXXX ) they have until XX/XX/XXXX to respond back to my requests for proof of the debt and amount due. I also sent a second certified, return receipt request letter of dispute on XX/XX/XXXX, which is scheduled to deliver on XX/XX/XXXX, Westlake Portfolio called me today XX/XX/XXXX to advise me that my account is now 40 days past due. I advised the customer service agent that they were NOT to call me regarding this debt, that they " Westlake Portfolio Management '' had until XX/XX/XXXX to provided me with the requested information, per the letter that was delivered and received on XX/XX/XXXX. 
I am asking for a breakdown of all payments made to this loan account from XX/XX/XXXX through XX/XX/XXXX. At this point, I feel I do not owe anymore on this account. It has been paid in full. I would also like to know why my car loan which was in good standing at the time it was transferred to Westlake Portfolio, is with a " collection agency '' now. 
I have filed complaints with XXXX of Florida & California and The Florida Office of Financial Regulations. I have also consulted with XXXX Legal Aid regarding this issue.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX has inaccurately reported to my credit file ( all XXXX bureaus ) that I am late on my payments. This information is inaccurate and has put an abrupt stop to my home purchasing plan in which I have worked too hard for. I have requested and requested that XXXX report the information correctly. They have NOT taken any steps to correct this information. I have provided the documents necessary and paid the balances in due time to avoid negative reporting. My loan is not late and has never been late! My account balance with XXXX is not correct either. They have charged my account with fraudulent XXXX fees in which my bank will prove they have never attempted payment when enrolled in the XXXX program with XXXX. I have had my ban account for 23 years and it has never changed on my account for XXXX. Their fees are in different amounts every single time. They refuse to remove these fees in the amount of {$81.00}. I have taken the XXXX XXXX and continued to pay so my account would not fall behind, but it doesn't make these charges accurate either.
Consumer complaint received 2024-03-08
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: ENCORE CAPITAL GROUP INC. (TN)

I signed up for an XXXXXXXX XXXX XXXX XXXX  credit card on XX/XX/XXXX. However, I never got the physical credit card, but I was still able to use it by providing other information. I had barely used the card. On XX/XX/XXXX, I received a phone call from a customer service representative that demanded credit card payments be made. At the time the balance was {$50.00}. I told the representative that I would struggle to make payments and asked her if she could just close the card account. For clarity, when the phone call started, she said 'All calls are recorded. ' I thought the issue was resolved. I then went to the XXXX in XXXX and XXXX to buy some clothes. The first time the cashier asked me 'if I was a member ' I replied 'yes ' and entered my phone number and got a discount. In XX/XX/XXXX, I got another call from XXXX XXXX XXXX XXXX saying that I owed a balance of {$180.00}. I was confused and paid the {$70.00} to avoid interest. I even tried My address has changed because of school and I changed phone numbers, so I did not receive any information of payment through my email. Today, I owe {$440.00} because of the accumulation of interest and fees, and my account has gone into collection. I contacted the collection agency Midland Credit Management about the misunderstanding and the best they could do was take % 20 off of what I owed. I asked them if I could further dispute this and they discouraged me to. They took down the 20 % off offer when I told them that I was going to try and dispute this.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WI)

I am writing in response to your recent communication regarding an alleged debt associated with my name. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (FL)

I received a letter of debt collection from DIVERSIFIED ADJUSTMENT SERVICES, INC. on XX/XX/2022. The letter stated that I owed XXXX XXXX a debt of {$51.00}, for which they are collecting. 
I have never conducted any business with XXXX XXXX. 

I called DIVERSIFIED ADJUSTMENT SERVICES on XX/XX/2022, at approximately 4:30 pm to enquire what the Debt was for. I was told by a DIVERSIFIED ADJUSTMENT SERVICES representative that the debt was for a savings account I have with XXXX XXXX. I informed DIVERSIFIED ADJUSTMENT SERVICES that I have never conducted business with XXXX XXXX and do not have an account with them. 

I immediately called XXXX XXXX using the account number ( XXXX Account Number XXXX ) provided by DIVERSIFIED ADJUSTMENT SERVICES on the letter. 
XXXX XXXX representative said the account is under review for fraud and is suspended and that they would notify DIVERSIFIED ADJUSTMENT SERVICES. XXXX XXXX representative would not give a reference number as to the fraud investigation. He also stated that I should lodge a complaint with CFPB.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

I refinance home in XXXX, XXXX with XXXX loan I never miss s payment the escrow account got negative buy a insurance company so my payment went from {$2200.00} to {$2300.00} they transfer my account to Mr.Cooper this as of XX/XX/XXXX in XXXX I paid {$2300.00} for in XXXX my went {$3000.00} my property taxes was not paid for XX/XX/XXXX they are delinquent that all was put in my house payment with property taxes and home insurance now Mr.Cooper want to keep my mortgage up to {$2300.00} thats not party of contract The escrow account comes to {$7000.00} delinquent
Consumer complaint received 2024-03-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (OH)

In or about XX/XX/XXXX, I realized this Upgrade Inc line of credit had a balance even though I have not made any purchases on this line. I had activated automatic minimum monthly payments when the line was first opened, therefore the account was being maintained. When I realized this line had a balance, I contacted Upgrade by phone to report fraudulent charge ( or charges ) on this line of credit. I was told that because too much time had passed, Upgrade would not allow me to dispute these charges and I was responsible for the full balance. In XXXX XXXX when I realized this balance was from fraudulent card activity, I stopped my automatic payment toward this account. The line is now being reported as a charged-off account on my credit report. I attempted to call Upgrade again in early XX/XX/XXXX to discuss the fraudulent activity and the customer service representative abruptly ended the call.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (PR)

On XX/XX/XXXX XXXXXXXX XXXX and return on XX/XX/XXXX XXXXXXXX XXXX location in XXXX. On XX/XX/XXXX a Debit Card Purchase XXXX XXXX XXXX # XXXX XXXX was posted by Citi Bank on XXXX for the amount of {$420.00}. Per inform from Citi Bank Representative, amount mention above was paid back to XXXX, Reason for such transaction. Now, what I need to obtain is information and documents obtain under the investigation in order for me exercise my right to appeal. And I will like to obtain in writing process and right and regulations that govern platform norms.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (MN)

I closed an investment account on XX/XX/2021. There was {$3100.00} in the account at the time of closure. As of today, XX/XX/2021, this money has still not been transferred to my bank account. I have asked the bank about it twice, and both times they have said they are working on an ACH transfer, but there is no reason I can think of why that would take more than a few days.
Consumer complaint received 2022-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (CA)

XXXX XXXX misleading me to believe I was going to be helped and get a good deal lower payments and no hassle transfer of vehicle, I was not happy in the end results of my purchase wich I was supposed to have lower payments and a better deal, I ended up with a vehicle double the value of the vehicle I needed help refinancing, also lost my trade in value and down payment of my first car. {$3000.00} dollars. They pretty much bought the car off me and stated a whole new purchase that confused me and my lender and no contact was ever reached with sales representative he never returned my calls and was never a available XX/XX/2021 was the date of the new purchase that was supposed to be transferred not start all over with no down payment credit unbelievable scam
Consumer complaint received 2021-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (FL)

THE COMPANY, COLLECTION AGENCY, NAME FBCS, INC., CONSUMER CONTACTS SOLUTION XXXX IS CALLING ME EVERY DAY, TRYING TO GET PAY FOR THE SECODN TIME OF THE SAME DEBTH THAT I WAS ALREADY PAY XXXX BUT BECAUSE I DIDNT HAVE THOSE RECORDS BECAUSE I RIDDED OF THEM BECAUSE TOO OLD, I KEEP RECORDS FOR TWO YEARS, I DECIDED TO PAY THE ARRAMGEMENT THEY GAVE ME OF XXXX THE TOTAL DEBT WAS XXXXI MADE THIS PAYMENT TO THEM ON XX/XX/XXXX OF XXXX THIS IS THE CONFIRMATION NUMBER OF THIS PAYMENT XXXX, AND THEY TOLD ME TODAY THAT THEY GON NA SEND ME A LETTER SAYING THAT I DISPUTE THIS DEBT. 
PLEASE HELP ME WITH THIS MATTER THANKS LIKE I REPORT THE FIRST TIME IM A XXXX ALL MY HSPITAL BLLS ALREADY PAY OFF AND COLLECTION AGENCIES ARE CALL ME AGAIN TO TRY TO MAKE ME PAY THE SAME BILLS AGAIN BECAUSE I DONT HAVE PROVETHAT I PAY THEM, FOR THE REASON THERE OLD DEBTHS
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NY)

My phone was stolen with my debit and credit card in the back of it on the XXXX XXXXf XXXX at a Diner around XXXX. 

I tried finding it but ended up just going home, next thing I know my email starts lighting up on my old phone. About payments made to a XXXX XXXX through the app Chime. 
The payments go as follows {$200.00} XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX XXXX {$250.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$150.00} XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX XXXX I ended up finding my phone by a XXXX in my area abandoned somewhere hidden away. 
And immediately went back home and called chime support to dispute those 6 transactions, they filed the dispute and told me I would have to wait up to 45 Business Days, but didnt give me an exact timeline or course of action. They did mention a provisional credit but I have yet to see that. I just want my money back.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I contacted the USAA credit card department on XX/XX/2024 because my automatic payment had not been debited from my USAA checking account on the scheduled date. I looked at my account and the automatic payment, for the minimum payment, scheduled for XX/XX/2024 had not been paid. There was a highlighted warning that, payment overdue late charges may apply, though the automatic payment had not been canceled, it just didnt function correctly. 

I spoke with a customer service representative and she was able to see the problem, but could not figure out where the error had occurred. She did research it and thought one of the problems was that XX/XX/2024 was a Saturday so the payment would not have been debited. She was unable to find a reason the payment had not been made on Monday XX/XX/XXXX, She told me the payment could already be processing and to continue to watch my checking account to check if the payment had been debited. She also told me I could dispute any late charges that were incurred. She also stated she was sending a note to the IT department about the situation. 

I, unfortunately, did not contact USAA until XX/XX/2024 because when trying to check my automatic payments I received the notice that information on accounts may not be available. My automatic payment seemed to have disappeared at that time so I, perhaps foolishly, thought it was the because there was a problem with the payment. I checked my checking account every day and the threat of late charges did not appear, so I thought they were working to resolve the problem. 

Last night, XX/XX/XXXX, I once again checked my account and the payment had not been debited and the threat of late fees had appeared once again. USAA does not have 24 hour assistance. I called today and was told that my automatic payment had been canceled. I did not cancel it and the representative I spoke with on XX/XX/XXXX did not cancel the payment. I was basically told, in not so many words, that it was my fault. I had taken screen shots of the relevant pages ( on XX/XX/XXXX ), which show the late fee statement and the automatic payment which was still in effect. 

I was told by the agent today that I had canceled my automatic payment. I did not. Automatic payments were taken out in XXXX and XXXX on time. I believe the agent today ( and I am very upset so I may be misremembering ) that I had canceled the automatic payment on XX/XX/XXXX, though on Tuesday the XXXX the automatic payment was still in effect for XX/XX/XXXX.
Consumer complaint received 2018-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (LA)

To whom it may concern I have a collection account on my file from a collection agency named Pro Collect Inc. the accounts are as follows : Pro Collect Inc. 
Please be advised that I am disputing these collections due to the fact that Pro Collect Inc. XXXX XXXX XXXX XXXX XXXX, TX XXXX does not currently have a valid license in Louisiana to collect on debts. This information is stating that their license is currently Inactive according to State of Louisiana secretary of State. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that pro Collect Inc. are licensed to collect debts in Louisiana. Your  immediate response will be greatly appreciated. I Have attached proof that Pro Collect Inc. is not bonded and or Active to collect debt in Louisiana.
Consumer complaint received 2024-03-08
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: New Century Auto Sales, Inc. (MI)

They continuously call me and my husband disclosing only the name of their business XXXX  and stating it is regarding a personal business matter. They do not indcate it is to collect a debt or that they are a debt collector per my rights according to the FDCPA. They call hang up. They call leave no messages. They are calling on a voluntary repo that is a charge off. The account has already been charged off and so they are trying to collect more money from me. I have told them not to contact me numerous times. The vehicle was sold. I owe them nothing. 
I am trying to get away from the bank I had the vehicle with for their immoral collection practices and now I am being harassed by this XXXX company. I am dealing with a medical hardship and do not need the added stress of this company calling me and refusing to state what they want and the nature of their business other than its a personal.business matter. Per rules and regulations they have to disclose who they are and the specific reason for their call and I requested they not call me therefore they have to abide by that.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (FL)

we received TWO different cards in the mail addressed to somebody else, both from banks. 
1 ) Brinks Money : address to XXXX XXXX using my address. There is a prepaid Mastercard attached and on the direct deposit form has a routing and acct number and the bank is XXXX XXXX  XXXX XXXX XXXX Routing # XXXX XXXX # XXXX XXXX ) NETSPEND : addressed to XXXX XXXX using my address. There is a debit card attached and on the direct deposit form is another routing and acct number. This bank is XXXX, XXXX XXXX Routing # XXXX XXXX # XXXX *I called our local Sheriffs office and was told to throw them away and ignore, but I believe this person is targeting my address to commit fraud Both of these letters come from the same address listed on top of these letters XXXX XXXX XXXX XXXX TX XXXX I don't know who to send these to for further investigation, and calling these banks would then give them my information which I believe to be risky
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

My XXXX account was used fraudulently in XXXX of 2021. I reported the fraudulent activity immediately, however XXXX failed to process the fraud claim in a timely manner resulting in a XXXX day late payment on my credit report. I contacted XXXX a and they have yet to remove the late payment off my credit report. I filed a dispute with Experian, with evidence and they closed the dispute without removing the late payment from my credit report.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX XXXX XXXX, as Trustee ( successor to XXXX XXXX ) failed to abide by Consent Judgment entered in XXXX. XXXX. See attached Complaint.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX acct # XXXX has violated my rights. 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 2024-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (AR)

They will not let me withdraw my crypto. Ive been a customer for years. No reason given. I keep signing up for their callback queue but they never call me back. They also have the limitations per day, in the past I could not withdraw everything fast enough and now I can withdraw none. The chat support says I have to receive a call back, but when I file a ticket for a call back, their system says they tried to call me back, but my phone never rings. I have no problems getting calls from other companies and individuals.
Consumer complaint received 2024-03-08
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. (NC)

To whom it may concern the services XXXX provided included a posting of a hotel in XXXX, M.D. and when using XXXX maps to navigate my way to the hotel it did not exist anywhere in sight near the townhouse with the same address that was provided from XXXX 's website. 

So because it was XXXX XXXX XXXX XXXX and I happened to waste my last hope on XXXX 's website I had no choice but to stay in the hospital to get out of the cold so I can get some rest to think clearly. 

I am not from this area and will never again rely on XXXX to book any hotel for me again. 

My bank seems to love you. I sent proof I didn't stay in a hotel but a hospital and they chose to pay you all anyway. 

XXXX XXXX XXXX. Either this outright fraud or their is a security issue that is preventing the correct images of the hotel from being displayed at the time of reservation. Not to mention the charge happening and being disputed within an hour only to be blindsided with conflicting reservation dates. 

I have sent documents to the bank by mail and uploaded them online. 

I emailed XXXX with all the information in this claim and the case was ignored because there was no verbal response. Now it has to be re-opened! 

I called the bank and the hotel too many times with little impact to resolve this issue. When ample documentation is presented and my request for documentation is ignored it's clear who has the power to rectify this issue. 

Consequently, Chase is siding with XXXX I guess being unemployed means you don't have a right to keep a bank account open!