davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (AZ)

NexisLexis consumer # XXXX case # XXXX before XXXXcurrent. 

I am getting bogus refusal letters from a XXXX XXXX XXXX to which I have never applied for anything. The refusal simply states it is based on a report from LexisNexis. That among other things, I have no insurance history. 

I have had own owners insurance for 20 years. I have had full coverage on my car for a minimum of 10 years with just three companies. XXXX, XXXX, and currently XXXX. So even withy what little information their refusal letter disclosed, it it obviously in error. 

My scores from the big there are consistently in the XXXXI have not had any lapse in insurance in at least 20 years, and I never requested a quote from XXXX XXXX XXXX XXXX first place. 

I have sent them a copy of my drivers license, and I have given them my social security number. But, for the second time, they claim they will not process my request for my file based on lack of proving my identity. I can send you copy of the JPEG of my drivers license to see for yourselves, the same JPEG was entirely legible to the XXXX XXXX to renew my license, and to ID me for online validation. 

I have a legal right to see what they have on whatever file they think is me, but, they are procrastinating at best, or, an underhanded refusal at worst. I suspect they know their information is bogus and are simply hoping I will give up and go away.
Consumer complaint received 2023-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland credit management company is still reporting on my credit report and according to New York State this is illegal, they can not report after 3 years. This is not even my debt to begin with. I am looking to remove this immediately they have an amount of {$10000.00}.
Consumer complaint received 2023-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc. (FL)

I applied online for a personal loan for individuals with low credit scoresXXXX XX/XX/XXXX I received a call ( from phone number XXXX ) supposedly a loan company name " Prosper Loan XXXX. '' The man ( XXXX XXXX ) on the phone stated I was approved {$5000.00}. Mind you he had a thick XXXX accent, even with his name. He verified my personal information, so I'll take it that he retrieved my information through my personal loan application. He requested my checking account information too deposit the funds, after I acknowledged the contract information he sent to me via email. He also requested my debit card number to deposit funds into my account, which I was going to return back. This was just to validate my account, and to make sure my name is on the account, and that I am who I stated I am. 
He notified me that {$1100.00} into my checking account. When I checked my account, the funds was indeed in my account. He gave instructions to withdraw the funds and to buy 3 money card from XXXX and give him the card numbers, which I did. Only to wake up on XX/XX/XXXX to see all these reversed transactions in my chase checking account for the total amount of the funds XXXX XXXX claimed was money from his loan company. I called XXXX XXXX the next day to request my funds back, and that the {$5000.00} loan is not in my account. XXXX XXXX went on to say that the state counselor is requesting taxes because his loan company is in XXXX, and I live in XXXX I told him that XXXX don't have state taxes. He stated that is the law for obtain the loan. He again stated he is going to deposit the tax money, and I need to return it to him via cash app or XXXX money card. He did the same thing by accessing my checking account and reversing paid transactions totaling {$1900.00} from months ago. Payments made to my XXXX XXXXXXXX refused to send him the funds, which made him really upset once he realized that I was on to his scam. I have all the documentation and communication between this company and I. I also has a voicemail from " supposedly his boss who called and threatened me once XXXX XXXX informed him that I am not sending the money back, which they reversed my charges in my account. 
The emailed he used is XXXX. XXXX XXXX is another person who called from the company. XXXX who called and threaten me to blacklist my passport
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (AZ)

To whom it may concern, I opened my XXXX account in XXXX. I was always in good standing. 

In XXXX of XXXX, I switched from a post-pay account to a pre-pay account. The XXXX representative I spoke to on the phone to make the change was very nice and helpful and was able to implement the change immediately. 

I was happy with my new plan. Then, in XX/XX/XXXX, I received a collections notice for {$150.00}. 

I contacted XXXX and was told that the collection notice was for an early termination fee of my contract. When I changed to a pre-pay account, apparently there was 1 more month left on the contract. 

First of all, I was not aware of being under contract. Having been a paying XXXX customer in good standing for nearly 10 years at that time, I didnt even consider being restricted in such a way. 

Secondly, and most importantly, the XXXX representative I spoke to on the phone to change my account to pre-pay NEVER mentioned the fact that I was under contract, that there would be a {$150.00} termination fee, or that I only had 1 month left on the contract. 

Had I been informed of the termination fee and length of time left on the contract during that initial phone conversation, my response would have been exactly this : Thank you very much. I will call you back in a month to make the change to a prepaid account. 

I spent two days speaking with at least three supervisors at XXXX, and they were all in agreement that I was not at fault, given that the XXXX representative failed to disclose that there would be a termination fee. They pulled the recorded call and confirmed the XXXX representative was 100 % at fault. 

It seemed to take quite a bit of work, but they finally managed to remove my account from collections. I was assured that I was now in good standing and did NOT owe the {$150.00} termination fee, especially since I never left XXXX, I simply changed to a new plan. 

The very next month, I received a bill in the mail for the {$150.00} termination fee. I immediately called XXXX again. I was told that they show a XXXX balance in their system and that I owe nothing. They can not figure out why I keep being sent bills for the termination fee. They also can not seem to stop them from coming. 

Every single month since XXXX, I have received a bill for the termination fee, yet XXXX reps insist that they show this situation is resolved. Thats why this recent collection notice is so surprising. 

XXXX removed the charge from my account in XXXX of XXXX. I closed my account with a XXXX balance in XXXX of XXXX. Now, 6 years later I am sent to collections? This clearly makes no sense. 

In closing, I do NOT owe this amount, and I refuse to ever pay this termination fee to anyone, XXXX, or collection agency. 

I sincerely appreciate any help is resolving this matter. 

Thank you.
Consumer complaint received 2023-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (AZ)

Hi there! 

My name is XXXX XXXX and I am a XXXX XXXX XXXX XXXX living in both XXXX XXXX XXXX XXXX XXXX XXXX On a recent credit report of mine, a collection account appeared claiming I owed XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} for an XXXX  visit last XXXX. I was baffled for several reasons. 

1. Health insurance companies MUST cover a reasonable portion of the bill by law for any type of XXXX service regardless of whether or not the facility is in network. This includes hospitals, XXXX XXXX XXXX XXXX  etc. This is part of the No Surprise Act of 2022 and is a Federal mandate. 

2. My insurance company informed me that they were dealing with this bill and the reason for the delay was that the hospital sent a NON EXISTENT DIAGNOSIS CODE with the bill. My insurance company reached out to them for the correct number. They NEVER RESPONDED to their call. 

3. At the time of service I signed a form that stated my maximum out of pocket for the visit would be {$500.00}. 

Since this all started I have been speaking to the Collections and Risk departments in both the corporate headquarters for XXXX XXXX XXXX XXXX XXXX XXXX. BOTH departments assured me that there WAS an error on their part and they they would be immediately recalling the collection to have the bill paid by insurance as they are legally bound to do. 

I then called the debt collector. XXXX XXXX XXXX AND sent a letter to it's president XXXX XXXX requesting that they contact their client and I can only assume this did not happen as the amount of this collection has INCREASED since my contact with them from {$1900.00} to {$2000.00}. This increase, I see as a personal swipe at me for daring to contest their ability to collect money they have no right to. 

I a sending you this letter requesting that you please speak to the parties involved. This would be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, who are both reporting this debt which is NOT a legal debt as it was for an XXXX  visit which is prohibited by the No Surprise Act. 

This is causing great personal and emotional grief for me and for my family. We were supposed to be purchasing a new home and the collection caused the bank to pull the loan at the last moment. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (CA)

I went to XXXX XXXX XXXX XXXX for XXXX XXXX in XXXX XXXX. I have XXXX XXXX XXXX in California. XXXXr paid XXXX XXXX for the treatment, but there was a billing error. We called XXXX and XXXX XXXX multiple times on a XXXX call and it was agreed by all companies that the bill had been taken care of yet XXXX XXXX kept sending us a bill. Every time we called we were told it was taken care of. Then we got a bill from ARstrat a debt collection agency saying that they had picked up the debt from XXXX XXXX and we owed them. We called them and explained the situation and they then sent us a statement from XXXX XXXX saying we had a XXXX balance. Yesterday we got another bill from ARstrat asking for payment.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC. (TX)

I recieved an email from a company called Net Credit saying that I have been denied credit for a loan. I didn't apply for a loan nor have I ever heard of Net Credit. 
I replied to their email and told them that whatever appllication that they recieved was fraudulent. I let them know that I didn't apply for a loan, and to remove the information from the numerous credit bureaus that they reported it to. 
They refused to remove the information and told me that I have to file a police report within XXXX days or they will deny my request. 
The email was sent to me on XXXX No information was supplied regarding the nature of the application or the amount. 
They stated that one of the reasons for the credit denial was due to late mortgage payments. I do not have a mortgage payment, so that information is false. I have also never heard of or or applied for credit with XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Definite fraud.
Consumer complaint received 2023-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

NAVIENT IS ATTEMPTING TO SCAM BORROWERS OUT OF STUDENT DEBT RELIEF BY ENCOURAGING THEM TO REFINANCE THEIR LOANS UNDER NAVIENT 'S PRIVATE LENDER, NAVIrefi My former loan servicer, Navient f/k/a Sallie Mae, not only committed extensive mistakes and violations against me for 31 years while they serviced my loans, but they are trying to scam me out of student debt relief by encouraging me ( and many others ) to refinance my loans with their private lender, NaviRefi, even after we consolidated our loans with the Department of Education who hold our loans. 

This needs to STOP NOW! Navient needs to be investigated, and an injunction filed, at the very least, to stop these nefarious and wicked tactics, if not a lawsuit. 

I have already been the beneficiary ( restitution recipient ) of one lawsuit filed against Navient for deceptive loan servicing practices. In fact, I worked on the case and I know what they have done to me and millions of others. 

Navient is no longer my servicer and neither is their cohort XXXX XXXX XXXX XXXX 

Navient has my entire loan history since XXXX  and so do I. They better cooperate with every state and federal agency regarding my loans and not provide false documents or information either. That includes my repayment history and all the forbearances they steered me into for years! 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/23 I received a letter informing me that one the business checking account is in the process of closing, regarding a cashier check that was deposited on XX/XX/23. I have spoken to multiple agents regarding this matter and in the notes it states something about forgery. The check is valid and can be verified, this check was deposited by the US Bank branch manager himself on XX/XX/23. The remitter of the check can verify the check and provide any information that is needed. I went to the US Bank branch on XX/XX/23 and talked to branch manager about this situation and he himself remembered the XX/XX/23 transaction. I want access to my funds as soon as possible.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (FL)

I believe the account with LAtlantic Capital Bank might be questionable. Atlantic Capital Bank must verify through a legally binding statement that the claim is valid and devoid of any breaches of agreement, lack of consideration, or significant alterations, ensuring that the original lender received fair value. Additionally, they must confirm that the transfer of the alleged account was conducted in good faith with the consent of all parties involved. If XXXX XXXX XXXX can not furnish this sworn statement, I insist on the removal of the account from both my credit record and their records. ATLCAPBKXXXX XXXX
Consumer complaint received 2023-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, You stated that you investigated these accounts and they were 100 % accurate. I have included my credit report with these account reporting several errors which means it's not 100 % accurate as you stated.According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-21
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: United PanAm Financial Corp. (TX)

I am requesting the following documents from United Auto Credit 1.Validation of debt the actual accounting of the contract. 2.A copy of a contract binding both parties. 3. Proof of full disclosure explaining that i was actually creating credit with my wet ink signature. 4. Equal consideration 5. The wet ink signature of both parties. In order for a loan to be valid it is required by common and consumer law to have both wet ink signatures of both parties.6. A INVOICE. Do not send a statement as a invoice a statement is NOT an invoice I am requesting proof of an invoice. Also a loan application does not constitute a contract as it is only signed by one of the parties which is me the consumer. Please send contract that has wet signatures from both parties. I am requesting these documents within the next 15-30 days. Refusing to provide these documents is a direct violations of the duties of the furnisher and more fcra guidelines. Done in good faith all rights reserved
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2023, I ordered an 18TB external hard drive from XXXX XXXX XXXX online website. The total for my order was {$270.00} and it was paid for using my Chase Sapphire Reserve credit card. The hard drive was delivered a few days later when I was out of town, so I had my friend unbox it and plug it in to make sure it worked. What we found was that the drive wouldn't be recognized by the PC and a bunch of error messages popped up. The drive enclosure also looked off, with some of the ports not lined up properly. I have timestamped text threads and pictures from when the drive was first unboxed supporting the drive not working. Seeing this, I returned the drive to XXXX XXXX and was assured by their customer service that I would receive a refund ( chat transcript is attached ). 

When I hadn't received a refund even 4-5 weeks after XXXX XXXX confirmed they had received the return, I opened a dispute with Chase who refunded my money temporarily while they investigated the issue. 

A few months later, on XX/XX/2023, I noticed that I had received a package from XXXX XXXX in the mail. In it was the hard drive I had returned, along with a note saying they couldn't accept the return since it wasn't the hard drive I had ordered. Since I had returned exactly what XXXX XXXX had shipped to me in the first place, it seems that XXXX XXXX themselves had shipped me the wrong hard drive that had probably been tampered with previously. Since it wasn't recognized by my PC when I tried to use it, I had no way of knowing it was the wrong drive and just thought it was a defective drive. 

I checked my Chase credit card statement and noticed that Chase had charged me {$270.00} for the drive, overriding the interim refund they had issued me while investigating the dispute. I spoke to Chase 's dispute department a total of 2 times between XX/XX/XXXX and XXXX, and was told that XXXX XXXX had informed Chase that they'd received the wrong return so they couldn't issue a refund. Chase then closed the dispute in XXXX XXXX 's favor. I told Chase I had proof in the form of a text thread with my roommate who tried out the defective drive, pictures of error messages, and a chat transcript with XXXX XXXX customer service saying that I would be refunded. Chase refused to consider this information and said they couldn't reopen the dispute. 

I then emailed XXXX XXXX 's executive customer service team and asked for help getting a refund. The response I got was that to receive a refund, the product being returned had to match the product that was ordered. There was no consideration given to the fact that the returned product didn't match the ordered product since I had received the wrong product from XXXX XXXX in the first place ( email transcript included in attachments ).
Consumer complaint received 2023-10-21
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (FL)

company said a third party account called netspend was created with my name. that brinks was a promotional debit card I received for being a customer of netspend. I asked for the account to be closed and a way to contact someone about verifying my identity was not taken and accounts are not being opened under my name.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found out that I am a victim of identity theft. I am worried that these accounts weren't opened by me. This is hurting me because I am trying to get a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.