davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

On XX/XX/2020, {$590.00} were withdrawn from my XXXX checking account by means of Cash App and my XXXX debit card. When I realized that the unauthorized transaction was pending, I called XXXX to cancel the compromised debit card, and a new one was issued by my local branch. I had to wait until the transaction posted to initiate a formal dispute with XXXX ( XXXX ). 

My research indicates that someone with my XXXX debit card number opened a Cash App account in my name and withdrew the funds. The card number may have been obtained from any merchant that uses Square to process payments. 

Square ( XXXX ) refused to help when I called, and although there is a phone number for Cash App ( XXXX ), there is no support for non-members. My research indicates that XXXX XXXX ( XXXX ) may have issued a debit card in my name. A XXXX XXXX   representative confirmed that this is a popular scam, and provided a number for XXXX ( XXXX ), a company that will forward my complaint to Cash App. 

The way these companies operate is very concerning, leaning on each other to enable these transactions to take place while eschewing liability, essentially allowing the laundering of illegally obtained funds. These loopholes should be closed to protect consumers such as myself.
Consumer complaint received 2019-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

I have no knowledge of this debt.never knew a XXXX account was opened in my name or social security number.i was never contacted by mail or email to have a chance to dispute.When i saw this on my credit i tryef to contact the original creditor and request a original application.they told me to contact there 3rd party representative..
Consumer complaint received 2020-04-24
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. (CO)

1. We are an XXXX XXXX XXXX family with an active lease with XXXX XXXX XXXX XXXX XXXX. Although the lease terminates XX/XX/2020 and we physically have the vehicle, XXXX still has been erroneously reporting to our credit bureaus in the notes line that we terminated our lease early. XXXX has been reporting this error for more than 6 months! We have requested that they correct our status numerous times in writing as well as over the phone to no avail. We keep disputing XXXX 's erroneous reporting directly to all 3 credit bureaus on both of our accounts but XXXX has not/will not correct their error! I am a veteran and my husband is XXXX. We've requested relief under the sailors and soldiers credit relief but they have not honored that at all. 

This has adversely affected our credit and ability to secure a new loan for our replacement vehicle. It is also a source of strife within our marriage ; placing undue stress on us during this difficult XXXX. 

2. Adding insult to injury, XXXX XXXX XXXX has added additional payments, charges and fees to our account in what appears to be an attempt to coerce us into paying more than we owe as well as purchasing a new vehicle from them. They have offered to waive mileage overages and fees if we purchase a new vehicle from one of their dealerships. We are set to turn in our leased mini-van XX/XX/XXXX but without assistance fear that we may continue to fall prey to their predatory practices. Please help us.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

1. We are an XXXX XXXX XXXX family with an active lease with XXXX XXXX XXXX XXXX XXXX. Although the lease terminates XX/XX/2020 and we physically have the vehicle, XXXX still has been erroneously reporting to our credit bureaus in the notes line that we terminated our lease early. XXXX has been reporting this error for more than 6 months! We have requested that they correct our status numerous times in writing as well as over the phone to no avail. We keep disputing XXXX 's erroneous reporting directly to all 3 credit bureaus on both of our accounts but XXXX has not/will not correct their error! I am a veteran and my husband is XXXX. We've requested relief under the sailors and soldiers credit relief but they have not honored that at all. 

This has adversely affected our credit and ability to secure a new loan for our replacement vehicle. It is also a source of strife within our marriage ; placing undue stress on us during this difficult XXXX. 

2. Adding insult to injury, XXXX XXXX XXXX has added additional payments, charges and fees to our account in what appears to be an attempt to coerce us into paying more than we owe as well as purchasing a new vehicle from them. They have offered to waive mileage overages and fees if we purchase a new vehicle from one of their dealerships. We are set to turn in our leased mini-van XX/XX/XXXX but without assistance fear that we may continue to fall prey to their predatory practices. Please help us.
Consumer complaint received 2020-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was contacted by someone posing as XXXX XXXX, the country music singer, on XXXX. This person ( s ) somehow had my contact info and told me I had to comply with his requests or he would turn me over to the law for falsifying a credit application to Capital one in which my income was inflated. I receive XXXX and make little money. I was afraid to tell anyone about this so I complied with his requests for several months. I finally told me mother, and that is when she called the sheriff 's department, we filed a police report, called Capital One, reported the fraud, and have now hired an attorney because Capital One is suing me for around {$3500.00}. My mother is acting as my " next friend '' as per our attorney. I want this person ( s ) prosecuted and punished so this never happens to anyone else again. It is frustrating that others take advantage of people, and I hope this issue is resolved.
Consumer complaint received 2020-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Andreu, Palma & Andreu, PL (FL)

Andrew, Palma, Lavin & Solis, PLLC is filing for false judgments to be paid in full, but Ive never missed a payment with them. This is absolutely disgusting because my payment arrangements began in XXXX for {$35.00} a month for the first 3 months and {$100.00} a month afterwards. I sent {$35.00} in XXXX XXXX, {$50.00} In XXXX XXXX, {$100.00} in XXXX XXXX, {$100.00} in XXXX. XXXX, and {$100.00} in XXXX. XXXX. I only had to give them {$300.00}, but they received {$380.00}. Yesterday I received mail asking for the payment in full, but we have a payment arrangements and I dont have that type of money to pay in full. I dont know if they are preparing for the pandemic and people being unemployed or what. In the past, I called and was placed on hold and no one came back to me. Yesterday I mailed a letter to them. I dont know if debt collectors are essential workers while under a safer at home order. But I sent all of my payments in and they are breaking our agreement without cause.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

In 2017 I contacted you all and filed a complaint against Synchrony Bank subsidiary GE Capital. They w6trying to cheat me..DECEPTIVE practices. 
Since in retaliation they have ran my credit at whim by the way is good XXXX  XXXX and as I pay my bill down they report I only have a limit of about XXXX when limit was XXXX plus on 2 occassions. It makes my account appear I'm over my limit as they lower my limits based on some XXXX  they camu up with. I have not used the card since 2017 and dont plan to because they are deceptive lying cheating CROOKS. They do this to make my credit and score look bad. They are the ONLY CREDITOR that I have these issues with though in good standing. This forces me to psy lump sums to them when the agreement after contacting you I would not have to but they twisted it DECEPTIVEly to make my credit with them look bad. 
Keeps lowering my limits for no reason to get more money make it look like I've used more than 90 % of the card whe I haven't used it at all!! 
Checking my credit without permission causing hits o did not authorize which affects my score all out of being XXXX I reported them to you.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CO)

1. We are an XXXX XXXX XXXX family with an active lease with XXXX XXXX XXXX XXXX XXXX. Although the lease terminates XX/XX/2020 and we physically have the vehicle, KIA still has been erroneously reporting to our credit bureaus in the notes line that we terminated our lease early. KIA has been reporting this error for more than 6 months! We have requested that they correct our status numerous times in writing as well as over the phone to no avail. We keep disputing KIA 's erroneous reporting directly to all 3 credit bureaus on both of our accounts but KIA has not/will not correct their error! I am a veteran and my husband is XXXX. We've requested relief under the sailors and soldiers credit relief but they have not honored that at all. 

This has adversely affected our credit and ability to secure a new loan for our replacement vehicle. It is also a source of strife within our marriage ; placing undue stress on us during this difficult deployment. 

2. Adding insult to injury, XXXX XXXX XXXX has added additional payments, charges and fees to our account in what appears to be an attempt to coerce us into paying more than we owe as well as purchasing a new vehicle from them. They have offered to waive mileage overages and fees if we purchase a new vehicle from one of their dealerships. We are set to turn in our leased mini-van XX/XX/XXXX but without assistance fear that we may continue to fall prey to their predatory practices. Please help us.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

ftc violations n the state of Texas, debtors are primarily secured against harassing and deceptive collection acts by the FDCPA or Fair Debt Collection Practices Act. Under this act, debt collectors are forbidden from : Repeatedly or continuously calling debtors or creditors. ... Violently threatening creditors.XX/XX/2015
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I am writing to report illegal activities of SPS Select Portoilio Servicing , Inc ( SPS  ). This company is taking advantage of the Covid-19 crisis, to illegally extort moneys from consumers, knowing that legal help is limited during the crisis. 
SPS a mortgage servicer charged me an extra {$5700.00} on XX/XX/XXXX, stating they are doing this on my behalf due to urgency surrounding delinquent taxes. This amount was added to my mortgage in addition to extra high interest. This is very false and there are no deliquent taxes in XXXX. 
Secondly SPS sent me a letter stating that I called to deffer my XX/XX/XXXX mortgage payments because of Financial hardships with documents that reflect a delay in the maturation of the loan. This is also very untrue and my mortgage for XXXX had been paid before the letter was sent. I have never called SPS to discuss any financial hardships.This is a scam and false information.
Consumer complaint received 2020-04-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (VA)

This company accessed my credit profile on XXXX without my consent on XXXX.They also placed a 7 year old fraudulent debt on my credit report and put a date of XX/XX/XXXX for collection and account opening, which is illegal. This debt was done fraudulently and was removed 7 years and the service has been DEPLORABLE. I had filed a police report, XXXX complaint and FTC complaint and report as well during that time and again recently. This company has over 300 complaints about various unethical business practices which are not limited to reporting old information on the XXXX site itself.They have been no help in getting this matter resolved and it is absurd for be to jump through hoops to get this removed off my credit report. It was placed using a collection company with the account # XXXX. They have never contacted me sent ANY LETTERS nor anything else since XXXX! I'm certain whatever address they do have is wrong since this was done fraudulently in the first place ( They accessed personal information WITHOUT MY CONSENT XX/XX/XXXX VIA CREDIT REPORT ). I called yesterday ( XXXX XXXX ) and was placed on hold a total of 6 times, sent to the voicemail of someone named XXXX twice and met with rudeness from several agents.If this is NOT REMOVED AS REQUIRED BY LAW, I will indeed pursue legal action IMMEDIATELY.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/XXXX My partner and I went into Capital One Bank in XXXXXXXX NJ  to open up a business bank account, from the start we were told that you have to be a customer for more than a year to apply for the PPP loan we never asked or implied thats why we were there. I was asked a bunch of questions which I deemed was unnecessary to ask plus I had a hard inquiry done on my credit. And when it wasnt enough I was told to come back to complete the process because they had to get verification From corporate to open the account I was never told a hard inquest would apply and it was used to verify my partner and I. I left very disgusted and plan to close my personal accounts cause if they can profile me in that manner for trying to open a business account, I can imagine what treatment Ill get as a personal account customer ...
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have a XXXX XXXX XXXX company and deal with all the major mortgage companies including XXXX  XXXX XXXX, which I have a least 10 loans. The homeowners ' insurance for 3 of the XXXX  XXXX XXXX loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. XXXX  XXXX XXXX requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. XXXX  XXXX XXXX continued to request evidence of insurance and we continued to supply it. XXXX XXXX, XXXX, I uploaded evidence of insurance to the website XXXX XXXX XXXX provided and received confirmation emails of receipt. XXXX XXXX XXXX placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. XXXX  XXXX XXXX has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$530.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Hello, I have had multiple inquires from a company called XXXX, and it has negatively affected my credit score. It will remain on my credit for a year. Please advise what I can do about this. I feel that the credit bureau discriminates on my profile, particularly EXPERIAN. I pay my bills on time and have never been delinquent. I keep all the cards current. As a XXXX XXXX XXXX, credit is essential to me. 
Please advise what my options are. My credit adjusts drastically any given month without reason. It is a struggle to raise it. For example, in XXXX, I paid 60 % of all my debt, and the score only went up 30 points. Recently because of the inquiry, they reduced my score 90 points!!! Unreasonable. I tried to get in touch with the credit bureau, but they could not explain the reasons to me. They said they have nothing to do with it. How are these credit bureau regulated then if no one has any answers? Thank you in advance for your assistance. 
Inquires dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I filed a complaint and called Experian in XXXX regarding these inquires.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. so I'd like to report this to ask for help in restoring my credit.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this account was in collections. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (MD)

I have a Chase Freedom Credit Card with last numbers XXXX, I made a charge for XXXX XXXX ticket travel to XXXX   on XX/XX/2020, because the COVID-19 all fly 's to XXXX canceled, that were I was going, I am XXXX years of age, I call Chase several times, upset because they simple don't want to heard my arguments, they ask me if I cancel my trip, My answer his yes, because was cancel by XXXX XXXX  thru XXXX. Al I request is to Chase to reverse the charge but they refuse to do it. Transaction # was XXXX for the amount of XXXX Hope you can help me looking forward to hear from you Thank you so much
Consumer complaint received 2020-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (DC)

XXXX XXXX has been repeatedly denying my claim for a healthcare bill that is not my responsibility since XXXX. I suffered a XXXX and was taken to the XXXX Department at XXXX XXXX XXXX Hospital in XXXX, XXXX  on XX/XX/XXXX. At this time, I was fully covered for healthcare under XXXX XXXX with XXXX XXXX serving as my healthcare provider. I learned that XXXX has been repeatedly denying my claim for insurance recovery because they have been informed that I have primary insurance coverage with the XXXX XXXX XXXX ( XXXX ). I terminated this plan in XXXX, XXXX and only used it while I was living in XXXX. Since then, I returned to XXXX and have had XXXX XXXX as my primary insurance provider since XXXX, XXXX. XXXX initially billed me through a creditor called XXXX XXXX XXXX and I previously filed a CFPB complaint. That creditor responded and notified the CFPB that the debt would be waived given the circumstances. They have now sold the account to XXXX XXXX XXXX XXXX and are billing me through a creditor called Pendrick Capital Partners LLC. Here is information about my XXXX XXXX XXXX XXXX : XXXX XXXX Patient Account # : XXXX XXXX XXXX Patient Account # : XXXX Patient ID # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX   XXXX Effective date of insurance coverage : XX/XX/XXXX