davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Persolve, LLC - Legal - Series 2 (FL)

PERSOLVE LEGAL GROUP Account # XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2019-05-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Applied Business Services, Inc. (GA)

On XX/XX/2019, Complainant 's letter stating all further communications regarding the alleged debt were to be in writing only and that telephone calls were inconvenient was received by the collection agency. On XX/XX/2019, at XXXX XXXX EST, Applied Business Solutions, via a female collection agent, contacted the cellular telephone of this Complainant, using telephone number XXXX, stating she was calling from Applied Business Services and that it was on a recorded line. I informed the female collection agent that a letter stating no calls were to be made to my number was received by her office and that I intended to pursue legal action. ( I have conferred with legal counsel regarding this matter but have not retained his services. )
Consumer complaint received 2019-05-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Account Resolution Services XXXX XXXX XXXX, FL XXXX XXXX ARS Collections Inc reported an unpaid medical cost to XXXX  in the amount of {$1100.00}. This was a portion of a medical cost associated with a VA benefits issue which ultimately the VA would not cover. I was only made aware of this in XX/XX/XXXX by US mail from ARS advising me of it and that unless it was settled it would be eligible for credit reporting. Yet it appears that ARS reported the unpaid medical cost to XXXX  in XXXX before making me aware of the problem according to both my XXXX XXXX credit score account and my XXXX XXXX account. 

Regardless, I owed this amount since the VA would not cover that portion of the medical bill. Upon becoming aware of it through XXXX XXXX on XX/XX/XXXX when my hard earned credit score was dinged by 73 points, I immediately contacted XXXX with ARS Collections and paid the full amount on XX/XX/XXXX. In addition, I was told by XXXX at ARS on XX/XX/XXXX that ARS would report the payment and debt satisfaction to all ( 3 )  major credit reporting agencies within 24-48 hours and that I would receive notification of same from ARS in writing within 7-10 days. Neither of those events has happened which I have confirmed with the 3 major reporting agencies and having spoken a 2nd time on XX/XX/XXXX to XXXX at ARS Collections who confirmed that no letter of satisfaction had been sent and that they only reported debt satisfactions at the end of of each month. 

For over 30 years I was a " cash only ' consumer, no credit cards and I had no debts. I owned my home, my vehicles, have always paid all my service providers on or before their due dates. In late 2017 at the encouragement of a financial advisor, I applied for and received an equity loan against my home to establish a credit score which previously was '0 ' with no negative or positive history XXXX a ghost they told me. Since being given the equity loan and having paid that mortgage prior to each months due date, my credit score had risen to just short of 650. Not great but certainly a start in the right direction and credit card companies were just starting to solicit me with offers of guaranteed lines of credit at various interest rates. 

This is the way it is in America today. Middle class Americans working hard, trying to improve themselves while the financial and credit systems continue to beat them down. As as veteran I have always supported my country and believed it to be # 1 in the world. That opinion is changing as I continue to nurture my wisdom in my later years of life with " wide open eyes '' from many years of life experiences and seeing the changing realities of America today.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Federal Adjustment Bureau, Inc. (OH)

In accordance with the Fair Credit Reporting Act, Federal Adjustment Bureau Inc, XXXX XXXX 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 an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts. Please provide SSA-FORM 89 in addition to the sign rental agreement and/or contact information. A ledger without a signature is not a form of verification.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC (FL)

I have received letters in the mail from : Spring Oaks Capital , LLC in Virginia trying to collect monies. I have never done business with this company, nor have I ever signed a contract with them. I have been receiving threatening phone calls from XXXX and letters from these people. They now have 2 collections showing on my different credit reports, claiming that I owe them money, which I don't. The 2 banks they are telling me they work for happen to be 2 banks that I have current accounts with, both in good standing, never late on any payments, no issues. I'm XXXX XXXX XXXX and scared that they will ruin my credit or do something worse to my life. I have reported Spring Oaks Capital , LLC to the XXXX, filed a complaint. I have a current XXXX Account and multiple accounts with XXXX XXXX, personal and business, all accounts are current, in good standing. Spring Oaks Capital has numerous complaints with the XXXX I have never given consent to Spring Oaks Capital, signed any contract or verbal agreements with them. I want these collections taken off my credit report.
Consumer complaint received 2023-10-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Carmen V. Porreca, P.C. (GA)

A garnishment was taken from me by Carmen V Porreca PC. The amount taken was {$1200.00} from my bank account. It was taken for a hospital bill from XXXX in the amount of {$29000.00}. The bill was disputed in XXXX by a law firm I hired to clear my debts. I was considered indigent at the time of service and all my medical bills with that hospital were forgiven. Apparently, this debt was sold to Carmen V Porreca PC and they took the money illegally. The medical bill is XXXX XXXX XXXX and Carmen V Porreca filed a garnishment in a county I do not live, nor where the medical services were rendered. Per the county court where the garnishment was filed, they filed in the county where my bank registered agent was.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AFNI INC. (MI)

In accordance with the fair credit act, this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 states consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B A creditor may not treat a late payment on my credit card account under and open and consumer credit, or as late for any purpose
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (FL)

My card was stolen and used to make a charge. When I noticed it was stolen I called Truist and let them know. The day after, a charge appeared on my card ( it happened over the weekend, charge appeared Monday ). 

I called them and started the dispute practice. They said it would be resolved before the first billing cycle and that wouldnt need to worry about the payment. 

As the deadline approached I called again to check the status. This time they said it would be taken off between the first and second billing cycle. No one told me I needed to pay. 

After the due date, the charge was still there and there was a late fee + interest. 

I called them and the fraud rep said the dispute was still pending but a Credit Card Services Representative would be able to credit the late fee and interest. She transferred me. 

He told me that he couldnt do anything, and that I needed to pay the bill. And only after payment, Id have to call again to discuss the late fee and interest. He was rude, I asked for a supervisor and he said there wasnt any. I told him I wanted to make a formal complaint and he said hed leave notes on my account and then that was the end of the call. 

I do not believe he actually made the complaint which breaks banking law.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation (MO)

In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the the rights to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16665 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

RE : Transaction Date XX/XX/2023 Merchant name : XXXX XXXX in the amount of {$410.00} Chase website does not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. 

Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than XXXX minutes after this phone call I received an emailed letter from chase stating we resolved your dispute. However, nothing was resolved, nothing was refunded, What a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.
Consumer complaint received 2021-12-07
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. (PA)

I sent a hippa dispute on XX/XX/2021 and also on XX/XX/2021. I did not not received a response and the account was not removed. I have not gotten a response back at all.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' AMERICAN EXPRESS is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' AMERICAN EXPRESS the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, AMERICAN EXPRESS whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

Commencing on or about XX/XX/XX/XX/XXXX I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX. Under the instructions of XXXX XXXX XXXX, funds were transferred from my bank account via debit card to XXXX and then to the scam platform in the amount of XXXX USD. Via XXXX, I was told to invest {$500.00} or more and was guaranteed a profit in return. I started with {$1000.00} USD. Later I was told to put in more to upgrade. {$6000.00} total. Then I was told I had to pay 10 % of the profits in advance to get what I had coming. When I couldn't come up with {$10000.00} more my " manager - XXXX XXXX '' said she would put in XXXX if I did. I did my part, she put in XXXX then said she wasn't allowed to do the whole XXXX, and if I wanted to see any $ I had to pay the additional $ XXXX. The entire time she was luring me in.
Consumer complaint received 2023-10-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MT)

On XX/XX/2023 I paid my phone bill with XXXX in the amount of XXXX. As their website states, they bill one month in advance. On XX/XX/2023, I switched carriers to XXXX and cancelled my verizon account XXXX The following month I received a bill for XXXX dollars and some change. I immediately phoned XXXX to inquire about the bill. The first call the fella attempted to tell me my billing started on the first. If that is the case, then why do I pay on the XXXX? I called back after I had calmed down and spoke with someone else who acknowledged that I didn't owe this money and that I was in fact owed the balance on the account, {$71.00}. I kept getting phone calls and bills from XXXX and I kept calling to inform them that it was in error. I phoned them again, this would be the third time, and spoke with someone who again told me that this bill was in error and I DID NOT owe this money and that i should be receiving a refund credited to my checking account. After receiving another call about them trying to collect on this bill I called AGAIN. I was told to ignore the phone calls as it takes them a bit to get all of this information in the system and moving. Unfortunately, the 5th phone call I received I didn't receive well and blew up at the poor gal on the other end. In XXXX of XXXX my husband had a XXXXXXXX XXXX  and we were not at home to receive any mail and I did not receive bills until we arrived home in XXXX. On XX/XX/XXXX I received an email from a company named Sequium who were trying to collect this debt from XXXX. I have submitted a dispute letter to them in accordance with their rules. I find this atrocious. I DO NOT owe this debt and am hoping for some help in resolution.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CT)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Regular Checking Account ending in XXXX Citi Reference Number : XXXX C : Consumer Financial Protection Bureau Case # XXXX CC : Office of the Comptroller of the Currency Case # XXXX Hello XXXX, You recently reached out to the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency regarding your concern about Citi, and weve reviewed your request.

Please accept our sincere apology for any frustration this matter may have caused. It is our goal to provide all of our clients with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance.

Upon receipt of your inquiry, a review of Citibanks records and the circumstances surrounding our decision to close your banking relationship was completed. While we are sorry to learn of your disappointment with Citibanks decision in this matter, as outlined in your deposit account agreement, Citibank reserves the right to close an account at any time and for any reason, with or without cause. We apologize for any inconvenience this may have caused.

Please be advised, the attached account closure notice issued to you on XX/XX/2023, informs you the account closure process takes up to 60 days. A {$29000.00} refund check will be mailed to the address listed on the account under a separate cover for your receipt once the closure process is completed. Should you have any additional questions, please contact our Fraud Prevention Department at XXXX, Monday - Friday XXXXXXXX XXXX - XXXX XXXX  CT. 

Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond. 

Thank you, Your Citi Executive Response Team XXXX
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (GA)

Victim of Identity theft Beginning XXXX. Numerous Police reports Filed. In XXXX XXXX Bank account and XXXX  account accessed fraudulently and checks deposited. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Credit Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (GA)

My vehicle was towed on XX/XX/XXXX at XXXX XXXX. I was not sure why the vehicle was towed because the vehicle was paid off. I purchased the car from US Auto Sales located at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. After XXXX their information, I reached out to Westlake Debt Collection Company and was told I was behind on payments and that needed to pay an outstanding amount if I wanted my vehicle. The information that Westlake provided me with as far as my address was not correct. The address I was told that the vehicle was towed from was located in Tennessee and I have never lived in Tennessee. I was asked for an address, social security number, and other personal information that they did not have on file in an attempt to get specific information to try and attach to the documents that they were emailed to me. Westlake Portfolio has not reached out to me via mail, the email address that they have on file is outdated and the vehicle was towed from a completely different address than what they have provided to me. I was hung up on several times by their representatives and this company is located in California. Westlake portfolio stated that US Auto Sales was bankrupt in XXXX and closed down in XXXX. I was still making payments on this vehicle at that time and up until XX/XX/XXXX. US Auto Sales have not reached out to relay any information pertaining to this matter. I have attempted to access my online account with US Auto Sales to see my payment history and that information is no longer available to be accessed. I have attached my bank statements to show proof of payments because Westlake 's portfolio stated that I have not made any payments as they know of. US Auto Sales has closed out my account and reported it to the credit bureau as a paid-in-full and closed-out account. The information provided to me by Westlake is information the same information I was asked to verify my account with them. US Auto Sales is also the original lien holder.