davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (FL)

In XXXX XXXX XXXX of XXXX XXXX, miss billed me for service that wasnt provided and reported my account to a collection agency called Allied Collection Services Inc I was supposed to have two XXXX replaced but they never provided the service. 
A couple months later, I moved to Florida, and never returned to XXXX XXXX. 
The problem is Allied Collection Services Inc has been reporting a fraudulent debt to the credit agencies. Even after the manager at XXXX XXXX emailed me a letter saying that I owned zero balance. In XX/XX/XXXX I disputed the charges and won the dispute with XXXX and XXXX XXXX and they removed it from my credit reports. XXXX XXXX XXXX XXXX continued to put fraudulent amount of money on my credit report because they change the amounts. 
On XX/XX/XXXX Allied Collections Services Inc. re-filed another collection with the same debts but changed the account number. This is a fraud in behalf of Allied Collections Services Inc. as this charge was already proven that I didnt owe anything when they put it in collection in XXXX. I have spoken with them and asked them to stop doing this, but theyre getting around the system by changing account numbers and amounts. 
Please help me report them and make them stop doing this to my credit reports.
Consumer complaint received 2023-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SERVICEMAC, LLC (CA)

I am charged {$20.00} for the corporate advance fee as shown on my statement for the loan # XXXX ( see attached ). The ServiceMac agent informed me that it was the fee charged when ServiceMac sent someone to check the property. I believe that I should be informed regarding the fee prior to being charged. I have three loans with ServiceMac and only this loan was charged for this fee.
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgence Legal Group, PC (TN)

Late XX/XX/2024, I received a call from my parents who live in XXXX ( my mother has the exact same name as me ). They had a process server come to their home and leave a court summons from Resurgence Legal Group for me. 

I called Resurgence on XX/XX/2024 and spoke to XXXX. I let XXXX know that I have not lived in XXXX for over 5 years AND the loan did not originate in XXXX. She told me that she would contact their attorney, XXXX XXXX and get back to me. I never received a call back or an email. 

On XX/XX/2024, I called again and spoke with an agent who told me that the only way to resolve the issue is to set up a payment plan. I asked for the court portion of this matter to be handled first, as I don't live in that state. He argued with me and I asked to speak to a supervisor. I was transferred to and left a voicemail. I called back again to see if I could get XXXX on the line. I was able to get in touch with her. She told me that their records show that an attorney spoke to me on XX/XX/XXXX. This did not happen. I pulled and attached cell phone company 's call record and I did not receive any calls on XX/XX/XXXX. I can provide a hard copy aside from the screenshot attached.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 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 by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

I took a 0 interest balance transfer and during the time I opened the balance transfer I made a purchase of {$6.00}. I began noticing a XXXX cent interest charge each month. On XXXX XX/XX/2023 I called Citi XXXX to find out why I was being charged interest on a 0 % balance transfer. The associate I spoke with was nearly impossible to understand. His accent was so strong. This associate told me the purchase I made was accruing interest and I would have to pay the balance of the balance transfer before Citi would apply payments to the {$6.00} purchase I made. I told the associate that I had been paying {$600.00} per month when my minimum payment is only {$110.00}. I demanded him to pay the {$6.00} balance first. He said he couldn't. I requested a supervisor. I was able to have the supervisor pay the {$6.00} and return the interest charged. I checked online with the regulations in the Federal Register regarding interest and payments. I found in Section 1026 that banks must pay any overage to the interest accruing balances first. I decided to file a complaint. If Citibank is doing this to me they have to be doing it to others.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Carvana Group, LLC (CA)

I believe carvana sold me a car that was not the correct car as advertised. The is registered as a black and its white. On the car it self it says XXXX XXXX XXXX when it's listed as something different. Not only that all the problems with XXXX  in general. I do believe I have been scammed
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/2023 I received a digital payment from a friend named XXXX for money that he owes me, and immediately without notice or warning nor information was given to me to resolve my now " frozen '' account, I sent all required documents to venmo and it took over a month to get them to unblcok my account so that I could access my money, now on XX/XX/2023 my friend XXXX again made a payment to me and once again my account was frozen and it was requested that I send in documents again to verify my identity
Consumer complaint received 2023-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/23 I received a notification that someone was trying to use my debit card.They denied it and sent me a new card however they sent it to the address of the person trying to use it.I had no clue until it was too late and they had taken XXXX $ out of my account, I filed a claim to get reimbursed and after 2 and a half weeks my claim was wrongfully denied.Now XXXX $ is missing.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (OH)

Venmo is a scam company. The XXXX was sued and shutdown for the EXACT same tactics which venmo exercises. I have {$1000.00} in my Venmo account. All I did was I went to withdraw my money and they instantly suspended my account and requested ID verification, after I verified my ID they promptly " permanently deactivated my account '' and said they will " hold my funds for 180 days '' these are tactics of thieves and scammers Venmo needs to be shut down.
Consumer complaint received 2023-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

I am writing to file a formal complaint regarding information on my credit report concerning the account listed below : Vance and Huffman LLC Dispute Reason : Ownership/ No knowledge of account Original Creditor : XXXX Account Type : Debt buyer Date Open : XX/XX/2023 Balance : {$3600.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist I have recently reviewed my credit report and discovered the presence of the aforementioned collection accounts. However, I have no knowledge of these collection accounts and believe that it has been inaccurately associated with my credit history. I have taken the necessary steps to dispute this information through XXXX, XXXX and unfortunately, their investigation has yielded an unsatisfactory result. 
According to the investigation, the disputed information was verified as accurate, and XXXX and XXXX has decided not to make any changes to my credit report. I strongly disagree with this decision, as I am certain that I have no connection to the mentioned account. No documentation has been provided as requested by the part above to support I am responsible for the above debt. 
I have carefully reviewed my financial records, and there is no evidence to support the existence of this debt or any association with Vance and Huffman LLC. 
In light of the above, I kindly request a thorough review of my credit report and a reconsideration of the decision made by XXXX and XXXX. I believe that a mistake has been made, and it is essential that my credit report accurately reflects my financial history. I request that the following actions be taken : 1. Conduct a comprehensive investigation into the disputed account and provide clear evidence of its ownership and legitimacy.

2. Update my credit report to reflect the correct and accurate information, ensuring that the disputed account is removed. 
I expect a prompt and fair resolution to this matter. As a consumer, I have the right to accurate and up-to-date credit information. The inaccuracies in my credit report have the potential to negatively impact my financial standing and opportunities, which is of great concern to me. Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

Hello down believe I will be attaching a file of all the inquiries that I didnt approve of none of these are me and they have all been done fraudulently I have been trying to reach out to get them removed and no information has been provided to be for these to be accurate please remove these in a time manner
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

First, the company has misclassified my student loans so that I missed out on the interest freeze and the repayment freeze. I am currently trying to contact them as they have miscalculated my income-based repayment ( trying to charge me 50 % of my monthly income on an IBR plan which is only supposed to be between 10 and 15 % ). There is no way to contact them. You can not fix this on their website, and I have called them 5 times, during their business hours, and the automated system continues to hang up claiming that the call center is closed. I started calling at XXXX XXXX  XXXX XXXX. THey are supposed to be open until XXXX XXXX  XXXX XXXX.
Consumer complaint received 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (GA)

After suffering an insured loss, our mortgage company has retained our insurance check and is not supplying any communications or updates regarding the past XXXX inspections to release those funds. They are in possession of funds that far exceed our mortgage balance in addition to multiple inspections showing contractor progress that exceeds milestones required for funds dispersal.

The banking institution 's third-party administrator ( loss draft department/servicing department ) is interfering in our insurance indemnity claim of loss. They are unreasonably delaying and withholding funds necessary to pay your contractor and therefore delaying repairs and causing additional harm. 

A prompt resolution to this matter is requested and has been demanded of all parties.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (FL)

Item 11 : - Account Name : XXXX - Inquiry Date : XX/XX/XXXX Fraudulent Other Accounts Other accounts : - Account Name : XXXX XXXX XXXX XXXX - Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXX and XXXX dollars - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (LA)

I Disputed several unauthorized transactions on XX/XX/XXXX and XX/XX/XXXX with Wells Fargo for unauthorized transactions on my account. 

They credited me originally in the amount XXXX for XXXX and XXXX while they completed an investigation. And then ruled against me 2 days later on XX/XX/XXXX with XXXX explanation. 

I still have in excess of XXXX dollars in disputes still pending ( I could be wrong on the exact amount, they give me a different answer every time I speak to them and all the disputes arent listed properly on my account. ) I fear it will be the same process for the pending disputes and I will be ruled against again. 

In total over XXXX transactions were fraudulent on my account. They ruled against me for XXXX total so far when these were legitimate fraudulent transactions. 

Ive reached out multiple times for answers and details and was met with attitude, contempt and complete disregard for my situation as this has been very stressful for me financially. 

My last contact was on XX/XX/XXXX and Ive decided to file a report with CFPB as it seems they will not come to amicable resolution overall.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

In accordance with the fair credit reporting act these creditors has violated my rights under 15 USC 1681 section 602 states. I have the right to privacy 15? USC 1681 section 604a section 2 it also states. consumer reporting agency can not furnish a can account without my written instructionsUSC 1681 section 602 states. I have the right to privacy 15? USC 1681 section 604a section 2 it also states. consumer reporting, agency, can not furnish a can account without my, written instructions, under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC (CA)

I applied for a loan based upon a pre-approval offer on XXXX from BestEgg online marketplace. I was advised I was approved pending verification of my identity. I submitted a true and legal copy of my California Drivers License, which in fact was approved and verified by the representative on the phone. ( Of which I spent XXXX minutes with ) I was told the information was fine and that a final review would be done and loan processed. Within minutes I received a decline letter stating that I was declined due to not being able to verify my identity and information was from XXXX. I immediately contacted XXXX and advised them of the circumstances. I was told that that was not the case and that companies like BestEgg just throw in wording on their decline letters and then refer customers to XXXX. 

I attempted to contact BestEgg Verification department to get more info. I've been sitting on hold for almost XXXX hours now waiting for someone to get me more information.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax refuses to remove collection/negative items or provide an option for online dispute for these inaccuracy accounts from XXXX XXXX Equifax XXXX As shown by the docs provided below, Equifax does not have these accounts on my Equifax credit report, however these accounts are still showing on XXXX XXXX Equifax. I have contacted Equifax via Phone on XX/XX/2023 and many times before that. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is a continuation of a complaint against Bank of America. The previous complaint was XXXX. Bank of America refused to assist in recovering the funds that were stolen. Reports have been filed with the FBI XXXX. 

I was the subject of a business e mail scam described in previous documents. 
Bank of America contributed to my loss of {$25000.00} in this scam. At my direction, XXXX wired {$25000.00} to a Bank of America account that was the recipient of the money. 

Bank of America is responsible for this loss and I am seeking reimbursement. Bank of America did not vet the customer and then would not provide information about it. 
To open the account at Bank of America, XXXX law requires documents to prove that the owner of the account can open such an account. Bank of American refused to share this information when the complaint was first filed, and said I would need a subpoena. This has resulted in undue delays and the probability of never recovering the funds. 
Bank of America needs to refund the {$25000.00} loss to me as they caused this loss by not vetting their customer who was obviously a criminal/scammer.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NY)

On XX/XX/2023 I lost my phone, after from my XXXX stock broker account was stolen XXXX XXXX I opened a claim to investigate where it hasgone, trace and reverse the withdrawal, i'm waiting XXXX  month and still there is no clear response about resolution and when I will get my money back. When I contact the support they say an unclear response that " There is no error '' and they do not provide me with more information. 
Asking to reverse unauthorized withdrawal ( trace and identify bank account holder where monay was withdrown, and take legal actions if needed ) or reimburse me from insurance becauseRobinhood failed to authorize a person, allowed scammers to get a loan ( activating margin option ), attache new bank account without verifiing account owner and allowed withdrow monay to unverified someones elses bank account other than XXXX account holder.