davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

On XX/XX/2020 I sent to XXXX XXXX a letter to validate that the debt belongs to me. They sent to me a letter that they already did a verification of the debt however I am asking them to provide proof that I was the one that signed the contract for lease that they have provided. They responded on XX/XX/XXXX that they are not going to do a validation. With that being said they refuse to send the proper documentation to show that this debt belongs to me. They do not have a copy of my ID or any documentation that I was the one that signed the contract that was sent to me. I am disputing that the signature does not belong to me and all I am asking them is to provide to me that the debit can be verified that is was me the one that signed the contract.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Capital One credit report that reported a late in 2018. I disputed it with them and the credit bureaus and they all changed everything incorrectly. XXXX actually deleted the entire account from my credit report at all. XXXX actually deleted as well and when I told them the account was still active, they pulled it back up with showing one late on XX/XX/2018. XXXX verified and said there is a late on XX/XX/18. All bureaus are completely inaccurate. Capital One keeps giving different information and now all bureaus are reporting differently and no one has been any help in getting this corrected. I just want this late removed as everyone is incorrect and this has taken a ton of time spent trying to get inaccurate information corrected.
Consumer complaint received 2020-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

On XX/XX/2020 i sold XXXX XXXX XXXX  to a company I used Square to collect the funds after swiping the client card ( XXXX ) it said approved I elected the funds to be deposit 1 to 2 business day in to my business account associated with square. a day or 2 went by and notice that the money was not deposit into my account from square so i reach out to square and my bank. After talking to bank they did not see anything that was deposit into my account with the amount of {$1200.00} so me and the bank went to search other deposit and notice the only deposit that was made was the ones that was instant and charge a 1 % fee that connected to the debit card and not the bank account number but the ones that was suppose be deposited was not in the amount of {$41.00}, {$67.00} {$1200.00} square send me ach trace numbers that i gave to my bank and bank do not have this in there recored of deposit nor in my account ive reach out through email and no response from square at all since XX/XX/2020 all complaint been through email since it no one to talk to direct after they close my account.
Consumer complaint received 2020-10-12
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: DISCOVER BANK (IL)

There are 2 purchases I made with my Discover card that I have tried  at XXXX to dispute with the company and I will not be paying off this amount on my card. 

The Ist charge was made with XXXX. XX/XX/2019, I made a charge with XXXX for a stay in XXXX XXXX for an event I was having. I had never been to XXXX and therefore relied on XXXX 's expertise by providing the address of location of the event and trusting they were providing the location of the event closest to the event center. After the payment and within 5 days of submitting our location to the event center, we were notified that the location was not with 3 miles that  XXXX had claimed but it was 40 minutes and since most events were going to be leaving at XXXX in the morning, it would be impossible for us to attend those events as this was not even in the city so no taxes exist but in the countryside. We contacted XXXX and they refused to issue a refund saying ee only had 24 hours. Never minding they were the ones that deceived us letting us know the location was a few minutes from our location and not the 40 minutes. It wasn't even in the  same village!. We contacted XXXX but they refused to reverse the charg

e. The cost of this unused reservation was {$940.00}. The other charge was for XXXX XXXX. This company was a company in disarry. All charges were made timely and promptly. When they failed to deliver a dumpster   costing us in over {$800.00} in labor costs, which we then required them to pay. They refused. instead they terminated the dumpster they were supposed to bring in then submitted a fake overweight charge of over {$420.00}, which was more than the cost to even hire one dumpster to begin with. We then  filed a dispute with XXXX. 

Both disputes failed even when common sense should have prevailed.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am very upset with Transunion. I have had over 19,000 dollars clears from my collections and student loans but yet my score keeps decreasing. No matter what I do they will not increase it and its changed over 80 points lower in 3 months. I know I am in good atandjng with my creditors and trans union told me I need to pay everything off on my report in order to increase my score. Thats crazy then why would anumykns try to repair their credit. I cant get anything accomplished since I have tried so hard to help the situation only to be in worse shape than before.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (WI)

Hi, I am a chase checking customer. When I was opening my account, I remember the the agent telling me that if my account goes into negative, I will have until XXXX EST to deposit the required amount to avoid any overdraft fees. So I transferred the amount online by XXXX CST. But still they charged me overdraft for 2 transactions, totaling about {$68.00}. When I called them, they bluntly told me that for online transfers its XXXX CSTand for CASH deposits its XXXX XXXX CST and refuse to return the money back. I am afraid due to this insufficient fees, I might be charged another overdraft fees of XXXX $ as few transactions are pending in my account. Is there any way I can get the fees back??
Consumer complaint received 2018-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Premier Student Loan Center (MI)

XX/XX/XXXX After receiving over 20 voice mail calls regarding my student loan I called Premier Student Loan Center ( PSLC ). Immediately the call starts with them telling me that I can qualify for student loan forgiveness. These continually calls attempt to pressure me into taking their services where for a FEE they will get my paperwork into the student loan provider. The caller jumps right into the sales pitch asking for penitent and personal information regardless of you letting them know you are not in a private location or near a computer ; suggesting that once you give them access they can go into your personal student loan account and access your information.. 

The latest call had them suggesting that I pay {$1100.00} over a 5 month period as part of yearly income re-certification to reduce my monthly payments by approximately {$50.00}. 

So that in theory I would pay the {$1100.00} plus the current loan payment and then pay the reduced amount after the 5 months of paying the accruing interest. Currently I am in good standing with my loan Service provider and once contacting them was able to go through the process of income re-verification with no additional monies needed and send the information directly to the loan service provider. 

Additionally, the company XXXX, XXXX contacted my last year ; I was able to stop payment of the funds I paid the company. Now PSLC is using the same tactics as the previous mentioned company based on an email I received on XX/XX/XXXX. 

In the process they ask for access to my personal Federal loan account and other sensitive information which I wish that I had not given them. The call is pressure filled where they could care less what you are in the middle of they just are hitting you with the sales pitch. The representative send an email that takes the customer directly to a site " Student Data '' proxy : XXXX XXXX XXXX ( www.plscdoc.com ) where there is dashboard screen that is very generic in nature.No identifying logo for the company just a generic web page that they can control remotely. 

The comany 's practices are deceptive and when questioned the sales representative became argumentative and expressed that I had to MAKE CONTACT with them TODAY after I explained that I would think about my options. 

While they have the company rating on the XXXX website, the tactics and mannerism are rude, condescending, and pressure filled. How do I stop this contact this company from contacting me via phone or email in the future?
Consumer complaint received 2018-08-02
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. (PA)

In XX/XX/2018 I tried to order cable services from ( XXXX/XXXX ). And  received a voicemail stating that something came up. So when I called them back they told me that someone had service on XXXX XXXX in XXXX PA XXXX from XX/XX/2018 - XX/XX/2018 and the bill was {$1000.00}. I said this wasn't mine nor did I authorize this. So I had to submit a fraud/identity theft packet along with proof of residency. After submitting all the requested information I still am not able to get cable services from XXXX/XXXX. And now there's another address coming up on my credit/consumer report on XXXX XXXX in XXXX PA XXXX which also isn't mine. In the mean time I've had to lock my credit report with the 3 major credit reporting agencies. Please help me, I don't know what else to do.
Consumer complaint received 2018-08-02
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. (IL)

On Thursday, XX/XX/2018 I submitted a complaint informing Equifax that there are fraudulent accounts reporting on my credit report. I submitted the Identity theft report as proof of these fraudulent accounts but to no avail as Equifax failed to block these accounts from my credit file stating that they verified that these fraudulent accounts belong to me. I would like a reinvestigation, I would also like for Equifax to send me proof along with all information regarding that investigation including the furnisher of the fraudulent information and how they verified the accuracy of these fraudulent accounts. 

This letter is my final communication regarding the inaccurate entries being reported under XXXX XXXX  XXXX Child Support, XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (AZ)

I have spoken with several people over the past few weeks to help with my loan repayment and hardship opportunities available to me as a consumer. This company has made statements of helping and then went back on their word and absolutely refuse to offer any fianancial hardship assistance. This is a breach of contract. I am eligible and qualified for hardship deferments and they are refusing the grant that request after I have been told that it would be done and completed. They are forcing me into repossesion. I am having a hard time speaking with any one that is willing to help. I have to ask them to go back and listen to the calls. Then they still don't honor the misinformation and argue with me about repaying my loan. I have had issues with this company in XXXX  for this same reason and they never responded to the complaint. I seek to be made whole. and my hardship deferment honored. I was asked to pay a certain amount to avoid that repossesion in XXXX and then they would do a deferment. They are now refusing to honor that deferment in which I legally qualify for.
Consumer complaint received 2018-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The Bank of America Mobile App allows user to receive bills and pay them through the mobile app. In my case, Bank of America receives bills from XXXXXXXX XXXX Consumer Credit Card. When accessing the bill pay function from the mobile app and pulling up the " Unpaid Bill '' for XXXX XXXX Consumer Credit Card, the app displays the bill amount as  {$25.00}. A normal and reasonable user, would assume {$25.00} is total amount owed under the bill. In fact, this is untrue. Bank of America is systematically causing confusion by displaying the  minimum payment, in lieu of the total due. This has resulted in me paying fees and interest I otherwise would not have paid. 

Furthermore, regarding the use of the app in the bill payment screen, a typical user would assume the " Amount '' box should be tapped if you want to change the amount being paid. In fact, bank of america has hidden the true amount of the bill behind this veil. I only discovered this after searching the internet on why I was only seeing the minimum payment. 

Bank of America should default the amount in the mobile app, bill pay " amount '' box to the total amount owed, not the minimum payment. This will prevent consumers from accidentally carrying a balance. Bank of America should reimburse interested and fees to me in the amount of {$2.00}, as well as any future interest not yet posted by XXXX XXXX Consumer Credit Card.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (UT)

In XXXX I had fraud on my credit card upwards of {$17000.00} Wells Fargo said that I was still liable for the charges. I have been making payments up until XX/XX/XXXX when I lost my XXXX social security I am currently appealing there decision I owe over {$18000.00} to Wells Fargo but can not pay it and they are trying to come after me. I have tried working with Wells Fargo but to no avail.
Consumer complaint received 2020-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

I have a CashApp account. It is linked to my XXXX Bank account. I also have a bank account at XXXX XXXX XXXX XXXX XXXX. From time to time I would link my XXXX account to CashApp the last time being XX/XX/XXXX. 

Two unauthorized transfers showed up on my XXXX XXXX  account statement ( the one NOT linked to CashApp ). On XX/XX/XXXX, I noticed a transaction for {$60.00} which led me to investigate. I then found another transaction had been completed on XX/XX/XXXX, for {$25.00}. Both transactions appear as if I had transferred money from one account to another account in my own name. I did neither. The transfers were not initiated by me. The funds were not received by me. Again, I hadn't had the CashApp platform linked to the XXXX account since last XXXX. 

I immediately contacted the company CashApp by email ( there is no phone number ). I also contacted XXXX and canceled the debit card and requested a refund. I exchanged emails with CashApp for 2 days asking where this money went. Completely missing the point they insisted that I should put additional security measures on my account ( the one linked to XXXX XXXX  ). The XXXX XXXX/CashApp is not the problem. The problem is that someone used their platform to create a phony profile in my name, somehow linked my ( Launch ) debit card to it and stole money. It had nothing to do with the XXXX XXXX  CashApp or a lack of security on it. 

They refused to give me any information and instead continued to cite privacy regulations. This makes no sense - I should be able to know where a transaction that was allegedly initiated by me was directed. I have yet not been refunded by XXXX. CashApp doesn't seem to understand the huge hole in their platform 's protocols. 

It is entirely too easy for someone to set up an account in anyone 's name, get access to their debit card ( easily done if someone is shopping ), and then siphon off funds to that phony account making it look like a victim sent money to his/herself. It's completely untraceable and CashApp takes no responsibility expecting that the credit card company will reimburse. 

This should be addressed.
Consumer complaint received 2018-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

I requested a payment made on XX/XX/XXXX to be entirely allocated to Group B,  however the payment and a subsequent payment was allocated differently. I reached out to XXXX XXXX in a XX/XX/XXXX email requesting the reallocation and he never responded in the Solutions Center. Email below : XXXX   XXXX, I paid off Group B - Loan 6 on XX/XX/2018 with a payment of {$1200.00} when the balance was only {$1200.00}, the excess amount of XXXX was applied to Group D. 

On XX/XX/2018, a payment of {$250.00} was made to my account and was allocated in the following manner : Group B - {$53.00} Group D - {$84.00} Group F - {$110.00} I don't understand where and why {$53.00} was applied to Group B when it had been paid in full the previous day. Group B had a status of refund due for a few days and then is changed to paid in full. 

I want to know why {$53.00} was applied to Group B after the load was paid off? 

Also, I sent in a request to have all payments applied to Group F and I'm not sure if it was applied since my account does not show the payment reallocation. 

Finally, a payment for {$150.00} was made for XX/XX/XXXX and as of today does not show on the payment history, I would like to know why and where it is at? 

Thank you, XXXX XXXX I called to Nelnet and spoke with XXXX on XX/XX/XXXX and requested the same and was promised the payment on XX/XX/XXXX and XX/XX/XXXX would be reallocated. Effectively, the XX/XX/XXXX payment would payoff Group B and extra payments would then be directed to Group F until it is paid off. 

To date the XX/XX/XXXX payment still reflects the payment being split across Group B and Group F and the XX/XX/XXXX payment shows allocation across Groups B, D and F. 

I request the change multiple times and I would like to have this change applied immediately.
Consumer complaint received 2018-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I bank with JP m organ Chase bank they close my account with out telling me and I didn't nothing wrong I had a chase prepay card that was economize 5 times in less than 3 month I been with chase for a lot of yeas and the wouldn't tell me why they close it it just ruin my life
Consumer complaint received 2020-10-12
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: CITIBANK, N.A. (IL)

There are 2 charges on my credit card with this vendor which I am disputing. Not that anything will come out of it since this agency has been weakened and assault on taxpayers is allowed., but I will still give it a try.

I paid for 2 services with my Bloomingdales credit card. One in XXXX and the other in XXXX. The one in a XXXX was for an appraisal for a refinance. We were looking to refinance a property we were working on. The Bank we wanted to refi with notified us they were going out of business, like many banks in the secondary markets did during Covid. We had already approved Appraisal nation to conduct an appraisal for {$610.00} on our credit card. The appraisal never occurred and we definitely did not get refinanced. We filed a dispute with XXXX who is the issuer of the card. They at first provided full credit of {$610.00}. In XXXX the company appraisal nation provided a credit of {$440.00}. The company charged back the {$610.00} on XX/XX/XXXX. When I told them I had not received a full credit, they refused to credit my account back in full. I am short {$170.00} because they claim the vendor said I cancelled the appraisal. 

The second is for XXXX XXXX XXXX XXXX. We paid the balance on a work on this same project in the sum of {$1000.00}. This vendor never performed the full work and refused to perform the work according to functionality and CIty of XXXX standards. We had to pay 2 other vendors a total of {$1700.00} to get the airconditioning working so we may finally sell the house. The credit card issuer is refusing to dispute and hold the {$1000.00} charge as requested. 

I am not sure why the credit card companies are working as XXXX  XXXX  of debt for companies which they have no contract with. The contract us between the credit card holder and the vendor and the credit card company is a facillitator. Did the law change at some point? Why are citizens being subject to these assault from these companies?
Consumer complaint received 2018-08-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (OH)

This company is reporting to all 3 major credit bureaus that I still owe a debt in connection with a payday loan. I satisfied and paid this debt on XX/XX/2018 through a law firm they hired to help collect the debt. When I speak to XXXX XXXX ( the company reporting the collection to XXXX, XXXX and XXXX ). They tell me they have not yet received " remittance '' from the law firm and refuse to report this accurately as paid in full. The law firm, XXXX XXXX, states they sent XXXX XXXXXXXX the proof of payment on XX/XX/2018 and that XXXX XXXXXXXX is the only one that can correct the reporting on my credit. 

I called XXXX XXXXXXXX today and was hung up on repeatedly and told they would not correct this reporting. I have filed disputes with all 3 credit bureaus and supplied the proof with documentation, but XXXX  XXXX has maintained this reporting to all 3.