davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (FL)

I have reached out to DRS since I was notified that they were on my credit reporting as a collection. I sent out a letter asking for DRS to Validate this debt. The information that I have received from DRS has been statements showing that this debt has been paid and {$0.00} is owed. This account was paid by insurance and should not be in collection. Please delete this account from my credit report Immediately!
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-03-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nelson and Kennard (CA)

Nelson & Kennard / XXXX  XXXX XXXX told me that if I did not pay them {$2500.00} they would proceed with prosecution against me. I am not an attorney, but I feel that this was a way to try to get me to pay by way of pressuring me like the mafia. When I spoke with Nelson & Kennard who is collecting on behalf of XXXX XXXX XXXX they also recorded my call without me giving them permission. They also did not update the credit bureaus to " Consumer Disputed '' I am a single mother and I want this harassment to stop as I have spent several countless hours trying to correct both companies mistakes in the matter. I have a XXXX XXXX and I am a XXXX XXXX XXXX citizen.
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: LEXISNEXIS (OH)

I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX. XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished Lexis Nexis inquires regarding all personal information.
Consumer complaint received 2019-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened acct with HSBC bank Wrote a check against my acct The within 20 min tried to deposit money to cover the XXXX and I could not get access through ATM they had not properly set up the acct But when I would call customer service they would tell me your acct is fine Go to another atm to make deposit I did same thing Now they are charging me XXXX dollars in over draft fees Snd the won't return a call
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I asked this company to send me valid proof of this debt, Section 609 of the FCRA asks for proper documentation for any debts. Ive received nothing providing that this is my debt no contract, signature or permission the original creditors gave consent to this debt.
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (CA)

I had canceled XXXX  phone/cable/internet and the associate had not completed the transaction. There is record that I had called to cancel and that I switched service providers. I reported the fraudulent charges as they continued to charge me for services without my knowledge. XXXX XXXX reversed the charges and agreed they were considered fraudulent. XXXX then billed me again for the reversed charges. I refused to pay and they sent the bill to collections with Prince Parker. I received a notice from Prince Parker on XX/XX/XXXX via email.
Consumer complaint received 2021-09-03
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. (FL)

I have contacted several times the Credit Bureaus XXXX, Transunion, and XXXX  asking them to verified this misleading information, each of credit reporting agencies has a different amount on my report, XXXX  {$1000.00}, XXXX  {$1000.00}, Transunion {$1000.00} They keep sending me a response that the account has been verified. I have contacted the collection company several times ( XXXX XXXX XXXX ), I obtained the contact address from my XXXX  report and send them a verification letter of the collection. and the letter was unable to forward because it was an inaccurate address. Obviously XXXX  has an misleading information on my credit report ( wrong collection information, address, amount of debt, etc ) and also XXXX, refused to delete old addresses in my credit report that way I avoid Identity Theft. 
Some how the collection company contacted me and sent me a statement attempting to collect a debt with different amount as well {$95000.00}. I noticed on the statement I'm a joint account holder of an apartment lease. I ask them for verification and until this day they just keep sending me the same statement with no other explanation or contract with my signature, etc. 
XXXX XXXX, Transunion has inaccurate information and failed to verified account and XXXXXXXX XXXX XXXXXXXX is attempting to collect a debt that is not mine. 
I request them to remove it from my credit report immediately. 
I also Filed a Identity Theft Report Thank you, Look forward for your response.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/year>. I was scammed after XXXX for a total of {$600.00} from someone portraying to be a tax preparer. The next morning ( less than 12 hours later ) I tried to cancel/dispute the transactions with Cash App and was not given the option. The only option I was given was to request a refund from the scammer in which I have not received. I have reached out to the company for support several times and have gotten nowhere. All of the years I have used Cashapp, I have never had this happen to me. This money was taken from me and Im struggling because of it.
Consumer complaint received 2021-10-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-05-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (CO)

On XX/XX/XXXX in this website I did a complains agains Chrysler Capitel because my request was to SHOW AS the conversation I have with each representative after the repossession of the car in which I still have a debt with them. 

Even they sent me a letter by mail that said " YOU CAN GET YOUR CAR BACK ANY TIME BEFORE WE SELL IT BY PAYING US THE FULL AMOUNT YOU OWE including expenses. TO LEARN THE EXACT AMOUNT YOU MUST PAY, CALL ... '' In this letter does NOT said " let me see if you qualified to get you car back '' as you can read in the previous parragraph. ( attached letter ), The representative that didn't allow me to paid the amount by phone it could be any of this names " XXXX '' or " XXXX '' or '' XXXX ''. 
Did not gave me the opportunity to talk with any supervisor. 
I call several time a requesting a supervisor, none of the representatives English or XXXX speaker didn't allowed me to pay my car or connected me with a supervisor. 

Because the previous representative decided not to sell my car even I had the money to pay and I can show in the statement of my back account. 

Meanwhile, I have to rent a car three times and to buy a second car to move between XXXX and XXXX long drive and have the debt with Chrysler Capital.. 
They sold my car a XXXX XXXX  XXXX and then I received different emails with different amount of how much I own and still in the response that they gave here in the past complain the send a old amount. 

I also said to the representative " XXXX '' if I am not wrong this is her name, that I wanted the supervisor or I will hire a lawyer and he will listen this conversation. 
She also told me " GOOD LUCK WITH ANY LAWYER THAT WILL HELPED YOU TO REQUEST THE CONVERSATIONS AND SHE WAS THE SAME THAT DIDN'T'T ALLOWED ME TO TALK WITH A SUPERVISOR '' And my following calls to try ro talk with different representative in English or XXXX, all of them told me the same NO SUPERVISOR and NO POSSIBILITY TO PAY THE DIFFERENT OF YOUR CAR, TO TAKE YOUR CARE BACK. 

I am requesting all the conversation I have after the repossession, because they didn't allowed me to paid the different and continue with my car. 
And I would like to finish with the representative " XXXX '' how she also remains of " HOW THIS WILL AFFECT THIS MY CREDIT SCORE. '' I am requesting all the conversation I have with Chrysler Capital.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 days late ( XX/XX/XXXX and XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

I have been communicating with Chase Card since XXXX about fraudulant charges from various companies. There are roughly 50 charges in question. On 2 occasions Chase closed and reissued new cards and charges were again processed on the new cards when the cards were not even activated yet. I have spoke with a dozen + agents and still no logical resolution. I cherish my good credit history but now again at a brick wall. I have been paying amounts I know are not correct and now have charges, again not made by us.
Consumer complaint received 2017-06-19
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: Westlake Services, LLC (GA)

On  X/X/2017    an unauthorized credit inquiry was made  by Westlake Services Inc. T his inquiry was not with my consent and they have been uncooperative in resolving this issue.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I was very surprised and disheartened to learn today that I have been paying interest on promotional balances with Best Buy for the past  1-2 years ( over $ 1100+ ). I fe el the interest and fees I have been paying were 'hidden ' from me once I adopted Best Buy 's push for 'paperless billing. ' I believe Best Buy 's campaign for paperless billing made it seamless for them to keep the details of the promotional balances and interest charged under the radar, exploiting the average consumer based on two facts : The small font and placement of the promotional balance information on their main webpage.  <P/> In the past, when I received paper billing statements in the mail, it was easy to see when promotional balances were expiring, as well as all the details of the fees, interest paid, and pertinent billing details.  <P/> Once I succumbed to Best Buy 's paperless billing campaign, much of this information became hidden. Their website 's online summary page only highlights the minimum payment due, current balance and available credit. There is no mention of interest paid, interest charged, or fees in an easy to see and noticeable location. The consumer has to scroll down and look for a smaller font which describes the details of any promotional balances expiration date.  <P/> Also, the consumer has to scroll down even further to see details of the last transaction where they might notice any previous interest or fees charged.  <P/> And in my case, every time I went online to look at the account activity, it was right after an automatic payment was made ; thus, there were no details of any previous interest fees paid- as this information was no longer available or shown on the main screen. The only way to see this is to click through several steps to pull up old statements, which then require the consumer to choose a specific file format, understand the upload process, etc.  <P/> When I called Best Buy to explain and ask for reimbursement of the fees due to above, they only credited me the amount of the last interest c harge ( {$660.00} ). Th ey said they would not credit me interest beyond this date, due to my account agreement.  <P/> This was very misleading and disheartening since I had the money to pay off any promotional balances before expiration, but was not properly informed of both the promotional balances or continued interest accumulation.  <P/> I would also like to point out that I have  XXXX  other credit cards that operate much differently than Best Buy. They specifically flag and point out to the consumer any promotional balance that may be expiring, and highlight interest paid or to be paid.  <P/> Unfortunately, I was not able to remedy this situation with Best Buy, and feel other consumers may also be suffering from the same fate.  <P/> I 'm asking for your help in this matter.
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

On XX/XX/24 I sent {$15.00} towards a {$100.00} deposit for a room to rent. On XX/XX/24 I sent the remaining {$85.00}. I tried to contact thr recipient and realized it was a scam once I couldn't get in touch with them. I contacted Cash App support to let them know the person I sent the money to was a scammer and they still refused to refund the transaction.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (MA)

I, XXXX XXXX identify as the natural person and consumer. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter. 

Pursuant to 15 U.S.C 1681b Any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave any written consent to report anything on my consumer report, and no court order having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a federal grand jury has been issued. Also, I have not authorized any of these transactions.
Consumer complaint received 2018-02-01
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. (LA)

There is a {$57000.00} auto loan, on my credit report from XXXX XXXX. I have contacted them over and over again. I do not own nor have I signed for a XXXX truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because XXXX, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of XXXX. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. XXXX refuses, to correct their error, on my credit report. 

XXXX XXXX  and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for. 

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service (MO)

I paid my Military star card amounting to {$140.00} last XX/XX/2021 but when I looked at my bank account after a few days I had a charged of {$270.00} from AAFES. The Credit card company over drawn more than I actually paid which is the only amount I can afford and allowed for that bill. This is not the first time it happened to me and I looked the other way that time. But what they did is not right! Why would they take out {$270.00} when I just authorized to pay {$140.00} which is the XXXX statement. I even received a confirmation email stating the amount paid, the date and a confirmation number. 
The 2nd time I called and talked to the customer service representative the person I talked to sounds like smirking and laughing at me. Like seriously, my issue isn't a laughing matter. What if it happened to her? How would she feel if she got an overdraft because the credit card company withdrawn more than what you paid for and have a budget for? Sometimes people need to show more empathy which nowadays is lacking especially if you are working in a customer service job.
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

On Wednesday, XX/XX/XXXX, I contacted Edfinancial. I saw on the XXXX XXXX XXXX website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would take up to 12 months. Throughout the pandemic I made almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just XXXX hours later makes me very concerned that this company does not have our best interests at XXXX.