davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (NV)

Repeated daily calls. My phone has rang up to 6 times per day even when the collection agency has left voicemails. We have received excessive calls even when asked not to call so much and I receive excessive calls all day. This company has a call center in another country that does not know our collection laws which they admitted and stated they can call aLL DAY IF THEY WANT TO.
Consumer complaint received 2023-05-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had with XXXX. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that XXXX reported negatively against my credit report, which, given my payment history, I believe to be erroneous. 

To further complicate matters, XXXX delayed in closing my lease account by a month, even after I had paid the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by XXXX has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial. 

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history. 

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,
Consumer complaint received 2019-12-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have contacted XXXX XXXX XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This account balance is {$XXXX} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2019-12-14
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (WV)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX S.S.N : XXXX vs. 

XXXX XXXX. - NETSPEND INC. - XXXX - WWW.NETSPEND.COM EXEC. XXXX XXXX EXEC. XXXX XXXX XXXX XXXX COMPLAINT I, XXXX XXXX XXXX, PURCHASED AN VISA-NETSPEND PREPAID DEBIT CARD - LAST 4 DIGIT # :XXXX - EXP.DATE # : XX/XX/XXXX - CVZ # : XXXX - PIN # : XXXX - ACCOUNT # : XXXX.I HAVE CONTACTED MULTIPLE VISA REPRESENTATIVES ON BEHALF OF MY DIRECT DEPOSITS AND ACCOUNT SECURITY.I RECEIVED POOR CUSTOMER SERVICE IN : 1. ) INITIALIZING MY PREPAID ACCOUNTS 2. ) ACCOUNT SECURITY 3. ) DIRECT DEPOSITS 4. ) CORPORATE INVESTMENTS 5. ) LOST/STOLEN CARD SUGGESTIONS AND  RECOMMENDATIONS ON ACCOUNT OF POOR CUSTOMER SERVICE EVERY SESSION, I ASSUME I AM TARGETED BY THIEVES, ROBBERS, HACKERS, AND CRIMINALS.I DEMAND FOR MY ACCOUNT VALUES AND SECURITIES TO BE RESTORED AND DELIVERED IMMEDIATELY. XXXX XXXX XXXX. DATE : XX/XX/XXXX, TIME : XXXX : >>>>>>>>>
Consumer complaint received 2019-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

Chrysler Capital has been taking my payments and applying them to the interest on the loan and very little -- if any -- has been applied to the principal of the loan. Additionally, over my objection and repeated complain to management, they took a few of my payments -- two to be exact -- and applied them to a repossession fees, which has offset my payment and has creates an impression of late and or missed payments. This action further damages my credit score as late and or missed payments are repeatedly reported to the credit bureau by Chrysler. 
Overall, it appears to me that Chrysler Capital is making a willful and deliberate attempt to undermine my credit score by their unscrupulous practices.
Consumer complaint received 2020-08-05
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Frontier Consumer Law Group, LLC (OH)

In XXXX I enrolled in Fast Track Debt Reliefs debt relief program, with my 1st payment being deducted on XX/XX/XXXX. On XX/XX/XXXX I was laid off due to COVID19 and I had to skip my XXXX and XXXX payments. On XX/XX/XXXX I needed to contact the company for a question, I left voicemails, sent emails and even left voicemails on attorney XXXX XXXX ' voicemail, no one ever contacted me back. On XX/XX/XXXX I chased then down to get someone on the phone. When I finally got someone, she informed me that they could not help me until I made up the 2 missed payments of {$380.00} each and that my account was in the negative because of those 2 missed payments. I was shocked that they were charging fees to my account without making 1 payment to any of my creditors! They were eating up all of the money by charging fees, not making payments. I was told when I cancelled that they owed me no money back because I signed a contract. I signed a contract for a service that was not performed.
Consumer complaint received 2020-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

The debt collection entity Rash Curtis & Associates violated FDCPA 3 times : # 1 ) Refusing to stop collections after receiving a debt validation letter on XX/XX/XXXX through fax and email ( they said they did not send a certified letter for the first interaction ) # 2 ) Credit Reporting a debt that is disputed on XX/XX/XXXX # 3 ) Re-aging a debt that originally was opened on XX/XX/XXXX, re-opening to XX/XX/XXXX. 

The origin of this {$630.00} medical debt is an emergency security charge that was not charged under employee medical insurance nor was signed or authorized by me. 

Rash Curtis & Associates XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

To whom it may concern : There were some charges on my debit card which I did not recognize. Tried calling the company but was unable to connect. 

Can I get or review debit card statements? 
Is there any fee or charges? 
What do I need to do to get statements? 

Thank you.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (NY)

Reported : XX/XX/XXXX Collection Agency SIMON 'S AGENCY , INC . 
Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX   INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact SIMON 'S AGENCY , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency SIMON 'S AGENCY , INC . 
Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$42.00} Amount {$42.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact SIMON 'S AGENCY , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I have no knowledge of this bill I have health insurance that have paid these bills around that time I have proof of that. it just appeared on my Credit report now it showing that I owe this and its bringing my credit report down on my credit numbers I also get phone calls from this agency disguising numbers at all times of the day
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Chase credit card. 

I disputed charges from a XXXX school, XXXX, after I had canceled my membership. I provided clear proof of the canceled membership, in the form of an email from XXXX general manager. Yet Chase upheld the disputed amount and withdrew funds from my bank account. 

Indeed, Chase withdrew MORE than XXXX charged. 

My statement shows Chase withdrawing payments as follows : Date Amount XXXX {$69.00} XXXX {$98.00} Total : {$160.00} Total charges by XXXX after my membership cancelation date of XX/XX/2020 XXXX {$69.00} XXXX {$29.00} Total : {$98.00}
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$140.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXXXXXX XXXX XXXXXXXX {$410.00} XXXX   XXXX XXXX {$520.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX {$410.00} DEPT OF ED XXXX XXXX {$82000.00}
Consumer complaint received 2020-01-16
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (TX)

I noticed this company is reporting a collection from XXXX XXXX, however Ive been in contact with XXXX XXXX and Im currently paying them directly. 
Also this account balance is incorrect and is reporting differently to each bureau. How can this account be reported by a collection agency if Im paying XXXX XXXX? 
No one notified me of who this company is and I never received any communication from them. 
All information must be 100 % accurate when being reported. This is false, I do not owe this company anything as I dont even know who they are.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019 I had someone try to apply a Capital One credit card under my name and it was put under as a hard inquiry. I talked to Capital One about this and they told me it would take 60 days for it to be gone but it has been over 60 days. There was also another one on XX/XX/2019 an inquiry for XXXX XXXX which I did not approve either. 

Apparently on XX/XX/2019 someone took my Uncle 's  check and put down my name for {$2300.00} dollars on a XXXX XXXX check and wired it to XXXX XXXX.
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX I got a call from Someone from the financial review team of American express. He told me that my card is will be out under financial review due to an additional cardholder laying a XXXX with my credit card account. I was stunned I immediately shut down my additional cardholder due to the lack of responsibility. 
The representative informed me that my account was put on hold and I had till XX/XX/XXXX to submit my documentation. He sent me a link to upload my documents. On XX/XX/XXXX I tried to submit my documentation through the link but it wasn't working. I called American Express and spoke to someone in the same department and she informed me that my account wasn't under financial review and I was good to go, no further action was required. I even made a purchase on XX/XX/XXXX contradictory to what the representative told me that my account was on hold and I wasn't able to purchase anything. I randomly logged into my account on XX/XX/XXXX and I see that my account is suspended and contrary to what the agent told me on XX/XX/XXXX my account was still under financial review. I was frantic and called American express demanding an explanation for this confusion. I spoke to a senior analyst and she told me that this was a mistake on the representative 's behalf and you are still under review. This was a clear misguidance of the financial review team causing me great grief and confusion. ( I ended up staying a long period of time on the phone calling my financial institution since I was traveling and was unable to send the documentation properly ) The agent ended up slashing my credit to ridicules amount and when I told what could you do for me regarding this whole mess your team financial review caused me. She responded nothing she could only apologize. I also spoke to a supervisor and he also told me he is unwilling to help me. American express clearly misguided me through this whole procedure it unethical to give false information to a customer. I have been an immaculate customer for almost 13 years, unfortunately, this is how American express treats its customers. My friend made a mistake and I paid the price because of their policy. Well, the first policy should be not to give false information to customers. Especially in a case so sensitive. It's now time to step up to pay the price to satisfy their customer. It's a 2-way relationship. I could give probably prepared myself better had this not happened.
Consumer complaint received 2020-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NC)

My account had a balance of {$650.00} after a transfer on XX/XX/XXXX at XXXX XXXX. Later the same afternoon I received a push notification on my cell phone about two unauthorized transactions : 1 ) XXXX XXXX XXXX XXXX, MA ) - initiated on Wednesday, XX/XX/2020 at XXXX XXXX  - Amount : {$130.00} 2 ) XXXX XXXX ( XXXX, IA ) - initiated on Wednesday, XX/XX/2020 at XXXX XXXX  - Amount {$130.00} Both transactions are listed as Cash Card transactions ( card ending in XXXX ). The cash card has been in my possession the entire time so I do not understand how it was used for transactions in two different U.S. states within minutes of one another. I do not know or recognize these vendors. I did not initiate these transactions. I have since disconnected the card associated with this account. There have been a number of declined attempts to use the card even after I disabled the physical cashcard that was connected to the account ( unauthorized attempts from XXXX in XXXX, NY XXXX XXXX XXXX XXXX XXXX in XXXX, WI XXXX. My cashcard has been compromised and my funds were stolen. I thankfully was able to cash out my remaining balance of {$370.00} and disable the card before the most recent attempts went through. 

I am asking to be refunded {$270.00} for both unauthorized and counterfeit transactions that I did not initiate and was not aware of. 

Cash App has not been helpful. I have provided all of the information I was asked for and have not received any confirmation that my funds will be refunded.
Consumer complaint received 2023-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ACIMA CREDIT, LLC (TX)

ACIMA -- I CALLED THIS COMPANY SEVERAL TIMES, TO EXPLAINED THAT I WAS GIVING THE WRONG INFORMATION. I GOT THE FURNITURE IN XXXX, I CALLED THIS COMPANY ONCE I RECIEVED THE FURNITURE THAT I WANT TO DO THE 90 DAYS SAME AS CASH, THE REP SEEM AS IF I WAS BOTHERING HIM. HE TOLD ME YOU CAN DO THAT ANYTIME, I EXPLAINED I BOUGHT FURNITURE FROM YOU SEVERAL TIMES, AND THIS NEVER HAPPENED, THE REP ALWAYS SET IT UP FOR ME. TIME WENT BY I FELL BEHIND AND WAS GOING THRU HARD TIMES, I ASKED ACIMA, CAN THEY GIVE ME A LOWER AMOUNT OR PUT ME ON A HARDSHIP THE SUPERVISOR, START TALKING TO ME CRAZY, AND I TOLD HER I WAS GIVING THE WRONG INFORMATION AND I HAVE BEEN WITH YALL FOR A LONG TIME AND NEVER HAD THIS PROBLEM. WHEN YOU DO NOT PAY 90 DAY SAME AS CASH YOUR AMOUNT DOUBLE WHICH IS UNETHICAL, THEY SPEAK TO YOU RULED THREATING ME ABOUT PICKING UP MY FURNITURE WHICH I ALREADY DOUBLE PAID FOR IT. THEY CALLED ME SEVERAL TIMES A DAY, I FEEL ABUSED BECAUSE WHEN YOU CALL NO ONE WANTS TO HELP YOU. THE SUPERVISOR, INSTEAD OF TRYING TO HELP YOU, SHE SPEAK TO YOU NASTY. PLEASE HELP ME. ACIMA, TAKE ADVANTAGE OF THEIR CUSTOMERS. I HAVE PAID OFF ALL MY FURNITURES BEFORE WITH NO ISSUES.
Consumer complaint received 2019-12-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX  card, bank of america XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (AZ)

Satisfaction of Lien/Closing Documentation Error This is a request for assistance with our prior mortgage servicer ( Ditech LLC ) about documentation error done at closing. We inquired about corrective action not taken on our Satisfaction of Lien/Closing Documentation by Ditech to date. Weve contacted Ditech, XXXX XXXX XXXX XXXX, XXXX AZ, XXXX, XXXX, Customer Service on two separate occasions. Here are the dates, times and individuals spoken with about this issue : > XX/XX/2018 - XXXX : spoke with XXXX  about Satisfaction of Lien has not been corrected with XXXX 's name ( recorded as XXXX ) > XX/XX/2018 - XXXX : spoke with XXXX  about pay off date ( XX/XX/2018 ) informed her spoke with XXXX  ( XX/XX/2018 ) about Satisfaction of Loan error. She stated task still has not been performed as of this date. 

The attached paperwork clearly states the correct name of " XXXX XXXX XXXX except for the Deed of Release and Full Reconveyance showing her name as XXXX XXXX XXXX recorded with XXXX County Recorder incorrectly. 

We request extremely urgent corrective action be taken and not wait 30 days from the date of this message ( as deemed by CFPB guideline ). We have surpass the 30 days guideline which expired XX/XX/2018 when initially contacted and again XX/XX/2018 as well as have been very patient. We are considered if not already or the very near future XXXX 's credit maybe affected in a negative matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX