davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (AZ)

On XX/XX/2012, a collection was opened with US COLLECTIONS WEST IN. I got a derogatory mark on my XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and have this negative remark removed from my credit report.
Consumer complaint received 2017-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

1. All of the monthly payments that I make to Navient is applied 100 % to interest and 0 % to principal. So the loan balance amount never goes down but only increased with time. 2. I work as a XXXX XXXX XXXX for XXXX XXXX XXXX. I have been working for the past 8 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called Navient to apply for public service loan forgiveness program several times in the last 7 years and was told that I can not apply for it, because my loan is not qualifying type of loan.
3. Navient refused to answer my questions about above 2 issues. 4. No matter how many payments I make, loan balance is not going down. I have been making payments for 16 years.
Consumer complaint received 2022-03-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is my XXXX attempt to get this matter resolved. I've submitted my previous complaint with the CFPB & you claim I'm submitting the information for someone else which is just crazy. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (NC)

This number calls all times of the day. I answer and they tell me I owe them money unable to tell me what for. I ask them not to call back and they continue to do so. I have never heard of this company until they showed up on my credit report and started calling me.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I requested account verification from Kohls department stores via certified mail and to have them mark my account as disputed with credit agencies within 30 days of receipt of my first letter per the FCRA. They have failed to provide me with a contract bearing my signature to verify the debt, and they failed to place the account as disputed with the credit agencies. I have the certified receipts and the dated credit reports to support my claims.
Consumer complaint received 2021-02-19
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: Experian Information Solutions Inc. (TX)

I disputed on XX/XX/XXXX with the bureaus regarding a late payment that is COMPLETELY inaccurate as well as a collection that no one has yet to verify or validate for me as being accurate, therefore I do not feel I am responsible for it! Since the bureaus didn't correspond with me about anything, I disputed again on XX/XX/XXXX and yet again, the bureaus have ignored my request, this is very negligent and not fair to me as a consumer!
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (PA)

I received a call at XXXXXXXX XXXX Thursday, XX/XX/2018, which I answered. There was a slight hum and click, and then the phone rang as if I had called whoever this was, and I immediately recognized that this was the process of an auto-dialer. An individual identified himself as only his first name, asking for someone by name, at which point I asked for his name and company, and asked why he was using an autodialer. After asking several times, without confirming any personal information at all from me, the individual divulged that he was with CCS, and that he understood that he was not supposed to be using an autodialer. I informed him that it was against the law to do so, and he stated that he could not continue the conversation and hung up the call.
Consumer complaint received 2017-09-02
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: Clark County Collection Service (CA)

This is a follow-up email to Clark county collections to give them the evidence they asked me for XX/XX/XXXX thru XX/XX/XXXX plus XX/XX/XXXX/ XX/XX/XXXX I  was an XXXX at XXXX XXXX veterans hospital, undergoing my XXXX I needed to be at least halfway useful after my XXXX.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Agency of Credit Control (CO)

I have reached out to this company to advise them that this account is invalid it was previously being reported by a company called XXXX XXXX. I disputed the debt because it does not belong to me. All 3 credit bureaus removed the account because it could not be verified. This company AGENCY CREDIT CONTROL now has replaced the same invalid account on my credit profile. This account should be removed at once.
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

On XX/XX/2018 I contacted my Ditech to get a payoff on my mortgage. They refused to give me a loan payoff amount. In addition, they told me that paying off the principal amount of the loan would not pay off the loan unless I knew how much the payoff was, sent that payoff to an address other than the normal payment location, and used a certified check from the bank to make the payment.
Consumer complaint received 2017-04-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Commercial Services, Inc (AR)

My daughter had an accident a small finder bender, in XXXX XXXX the police got a report. Later the driver sent a letters of harrassment on his back, neck, missing days and the list goes on and on. It was turned over to XXXX ... I PAID THEM ... it was closed ... Later get letter from XXXX debt for XXXX ... REALLY ... for the amount I PAID XXXX 1000.00. NOW this company is harrassing for XXXX really ... ALL THIS CALLING, RUDENESS. THIS COMPANY HAS COMPLAINTS, COMPLAINTS ... I AM BEING DRAINED
Consumer complaint received 2021-06-23
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. (TX)

XXXX XXXX XXXX XX/XX/2019 Inquiry This is an inquiry on my credit report that pertains to a student loan. Ive never taken out student loans therefore this inquiry is fraudulent and inaccurate. It is illegal to be on my credit report according to the consumer debt laws. I spoke with the company directly and they acknowledged tht it was a mistake and that it shouldnt be there. I spoke with Transunion and they were not cooperative about removing this fraudulent inquiry.
Consumer complaint received 2019-05-31
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. (TX)

There is an account from XXXX XXXX XXXX on my credit report. It shows that that account has been sold to XXXX XXXX XXXX. I recently sent XXXX XXXX XXXX a debt validation letter and the response I recieved was dated XX/XX/2019 says that the collection is terminated. 

I am wondering why is this account currently showing that it is still in collection. Why hasn't the account been deleted if the collection action has been terminated from my credit report?
Consumer complaint received 2019-03-02
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: JPMORGAN CHASE & CO. (GA)

{$98.00} charge for phone use. Leased an apartment, set up utilities, changed apartments in the same complex before moving in. The lessee of the first apartment used my utilities to make calls to another country and I wasnt informed of the purchases. The charge went to collections and I paid the balance to stop effecting my credit. Would like it removed.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2016-08-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Business Bureau (IL)

I have already disputed the amount this company is attempting to collect from me. I do not owe this amount since my insurance paid for the very same claim this people are trying to collect on. I need them to prove what they are saying, and I need them to stop their harassment. 

I waited over 2 months to take on the treatment, because I was not able to take it until it was approved and paid by insurance.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MI)

For nearly six months I attempted to gain access to my online account. Was unable to fir quite some time. A check was mailed in liu of the debt. The check only covered late fees every month causing my debt to be overdrawn simply because I could not get a hold of someone so I could make a payment
Consumer complaint received 2017-04-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

Citizens One Banks wrongly clai ms my   XXXX    XXXX  payment has changed from {$600.00} per month to {$650.00} .Last year i submitted auto debits for these higher payments but have since stopped them. I have ( STOP PAYMENT ) letters from the bank for each one auto debit indicating they ( both ) have been cancelled  .The first  dated   XXXX   for the {$600.00} the second dated  X/XX/XXXX  for the {$650.00} payment. My normal monthly contract payment show {$530.00}. On the  Citizens   One  ( website only ) it now wrongly displays {$650.00} per month. On   XXXX    XXXX  and  XXXX   XXXX  it show the correct contract amount of {$530.00}   XXXX  .I did receive a letter from The Chairman  XXXX   XXXX  (  XXXX  ) indicating the payment has been updated but sadly my payments on line ( Citizens  One  ) still showing {$650.00}. When i made my {$530.00} payment it shows a balance of {$11.00}.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

On XX/XX/24, Square deactivated my checking and savings account on their platform. Prior to this, my account was placed on several holds that prevented me from transferring funds and having any kind of access to my money. I contacted the platform on multiple occasions over the last few months to see if there was a reason for this, and no information was provided.

After multiple attempts to get clarity on what was happening with my account, the company decided to deactivate my account and sent a generic email that listed reasons that my account could have possibly been deactivated. I feel as if this deactivation is targeted, unwarranted, and unfair. Furthermore, the email states that the deactivation only applies to my checking account, however, they are holding funds that are in my savings as well. It goes without saying that this is frustrating and inconvenient because if my funds are not released before 90 days, I will face financial hardship as most of my $ is in that savings account. Square is refusing to give me an appropriate response when I reach out and they have blocked my phone number from getting beyond the automated system in order to speak to a human.

I believe that their decision is unjust and uncalled for. While I am okay with not continuing on their platform, I would like my funds to be released immediately to avoid a financial crisis.

Any help with this would be greatly appreciated.
Consumer complaint received 2017-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Ditech Financial LLC (FL)

My parents were attempting to purchase a manufactured home in XXXX in South Carolina. 

I received a telephone call at my place of employment at the time telling me that the finance manager from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX would be coming down to my work for me to sign paperwork, as they needed a co-signer on the retail installment loan as their credit was not good enough to qualify on their own. 

I have now discovered that the loan is solely in my name, not my parents, but I have been unable to get the loan refinanced in my parents name, or refinanced in any other way. The original loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX has now been bought and sold multiple times, now owned by Ditech XXXX XXXX XXXX XXXX XXXX, SD XXXX. I have contacted them multiple times via their phone # at XXXX with no success, with my most recent phone call on XXXX/XXXX/XXXX to which the representative stated " Well, I guess you are pretty much screwed. '' " We can do nothing for you. '' The home was financed for {$37000.00} with XXXX % interest rate over 360 months. My parents have been solely making the payments, and have copies of all payments made since XXXX, which I can provide upon request. I personally have made ( 0 ) payments. They have never missed a payment. I have tried to ask about a settlement from Ditech on the phone, but they told me that it would be denied, while people were laughing in the background. My parents have now paid over 3 times what the home was originally sold for, and have nothing to show for it, as they ca n't even get it financed in their own name since we can not find any lender willing to refinance a retail loan on a 20 year old manufactured home. 

I currently live in XXXX, in my own home, and this is currently taking up my available credit so I am unable to expand my own business. 

Please help!
Consumer complaint received 2017-09-02
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. (ND)

I am a victim of identity theft. Someone stole my personal information and identity to apply for numerous XXXX credit card account. The XXXX credit card accounts are fraudulent and unauthorized. I have never applied for a XXXX credit card account. The following XXXX credit card accounts ending in : XXXX, XXXX, XXXX and XXXX are fraudulent and unauthorized, and do n't belong to me
Consumer complaint received 2017-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am a victim of identity theft. Someone stole my personal information and identity to apply for numerous XXXX credit card account. The XXXX credit card accounts are fraudulent and unauthorized. I have never applied for a XXXX credit card account. The following XXXX credit card accounts ending in : XXXX, XXXX, XXXX and XXXX are fraudulent and unauthorized, and do n't belong to me
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

Equifax is Not thoroughly investigating my claims is a violation of my privacy. According to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This is the law, and I would like the following removed immediately. They are not following XXXX  and XXXX XXXX compliance protocol on the following accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is my 2nd attempt to get this matter resolved. I've submitted my previous complaint with the CFPB & you claim I'm submitting the information for someone else which is just crazy. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-04-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monterey Financial Services LLC (FL)

This letter is formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt
Consumer complaint received 2024-03-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (IN)

On XX/XX/2024 a transaction came through my cashapp for {$170.00}. I was purchasing drinks and was inside the gas station and realized my card had been stolen. I immediately reported my card stolen, ordered another one, changed my pin and contacted Cashapp support. Because the transaction was pending, I couldn't file a dispute. While chatting with the customer service agent, the pre-auth updated to the actual amount charged of {$82.00} and I was advised this charge was made at a XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I went to that gas station and was provided with the receipt showing the card was used at the pump and the pin was bypassed. The XXXX of the store was on vacation so the video couldn't be reviewed so I could file a police report. I was not ever able to view the surveillance. The transaction posted XX/XX/2024 and I immediately filed my dispute. I was told I would have an update by XX/XX/2024. I did follow-up and was not able to get any assistance or updates prior to the XXXX. My case was then denied with the reason that this was an authorized transaction and no error occured. I have provided screen shots of conversations with support and I have yet to speak to a living person in the special cases department.
Consumer complaint received 2018-03-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My auto finance company which is Capital One Auto has me paying {$36000.00} as of today for {$15000.00} car Plus {$4000.00} which remains on a 12-month plan in which they are only giving me 8 months because of the maturity date of the loan because I've had the vehicle since XXXX it is now XXXX and I still have 8 months to pay and at that point I have to pay whatever cost that they're saying is a balloon payment I was targeted and mislead by Capital One stating that they were interested in lowering my interest rate because I was a good customer and unknowingly I agreed because they offered me a lower payment and they said that my credit was the reason why they were able to lower my interest rate but they never told me that they were extending my loan for an additional 2 years and that I would have to pay a balloon at the end of XXXX. I currently owe {$4300.00} on a vehicle that isn't worth XXXX and if I pay the XXXX Plus interest that would have me over {$40000.00} when the initial sticker was XXXX XXXX I paid on average {$480.00} monthly for 4 years at 21.9 % and was offerd 17.9 % at a monthly of XXXX for 3 years on a car i agreed to pay XXXX for i was lied to taken advantage of just because i had a poor credit score i understand its harder to be trusted but ive never defaulted and still trying to do the right thing while being completely being mistreated I feel as though be practices that they used to bait me into extending the terms is unacceptable please help thanks