davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ASSOCIATED BANC-CORP (WI)

I tried to send money to my fiance in the XXXX XXXX. We are building a house there. I teach in XXXX XXXX XXXX XXXX months a year. My XXXX wired money from my account several months ago because I had no way to get money and very few businesses in rural areas take credit cards. Then, a couple months later, she was away due to an emergency so I asked someone else to wire me money so we could continue to build. Now, I am back in the XXXX to get some more money to finish the house. I was refused, and no reason was given. ( The older bankers know me because I have been banking at that location for nearly XXXX  years. ) I have more than {$30000.00} in my account and wanted to send < {$10000.00}.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (WI)

I am writing this complaint today because I have had this car financed through exeter for almost XXXX  years now and my principal has not gone down. My loan orginal amount was {$XXXX} over the XXXX years I have paid a total of {$XXXX}. Granted I was late and stuff and ran into a few life problems I still feel money should of been applied to the balance. Right now they are saying I still owe {$XXXX} dollars in interest right now which making ontime monthly payments of {$XXXX} I will have the interest paid off in 1 year because {$XXXX} of interest is added each month, and then my principal with start going down. I have attached all the payments I have made since I got the car.
Consumer complaint received 2016-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CT)

Hello, I apologize as none of above options refer to me. I had never created any debt, and became victim of unreliable and incompetent costumer service. Here is my story. 
In XXXX I traveled I took frequent trips back home to XXXX due to attend to my mother after her accident. It seemed unreasonable to continue my cable plan with XXXX XXXX XXXX which services I was using since XXXX. I called them and spoke with the costumer representative. I explained my situation, requested for the cable to be canceled and continue my plan with only internet service. I was told it was fine and that my account would be updated. I left the country couple days later and spent almost a month with my mother in XXXX. Shortly after I returned I was surprised with XXXX bill, almost triple more then what I was told I would be paying for internet only. It was almost double of what I used to pay for both internet and cable, before I canceled cable. I called them to clarify. I was told that my rate increased because previous cable rate was a promotional offer which expired, and the regular rate kicked in. I explained that I canceled my cable plan before going away, but the representative could not find any record of it, requested my information and said someone will call me to sort it out. I got voicemail from some woman next day, but when I returned the call, I was placed on hold for a long time. when i finally reached someone, our conversation was disconnected. As I provided my contact info at the beginning, I assumed I will be called again. I got voicemail again next day. I Attempted to call back, but gave up after being placed on hold for almost 30 min. My issue was never resolved, my lease was also up and I decided to move to XXXX. I called again to cancel my entire plan as XXXX does not provide services in XXXX, NY. I switched to XXXX. I covered my last internet bill and returned XXXX equipment couple weeks later. That was in XXXX XXXX. I have not heard anything from them since then. I did not receive any mail from them, or any collection agents. In XXXX XXXX I noticed my credit score decreased significantly. I requested copy to find out why. I learned that collection procedures were now affecting my credit. I went ahead and requested dispute with XXXX, XXXX and XXXX, I explained everything just as I am now. Within 30 days all XXXX companies removed incorrect collection account. My credit went back up. I was convinced this nonsense was over. On XXXX XXXX I received alert from XXXX, my credit dropped XXXX points due to new collection account. It is different company this time " Enhanced Recovery Co, LLC '' -- the original creditor is of course XXXX. I disputed this again with XXXX since I have account with them and pay for it monthly. I do not want to spend another {$40.00} for reports with other companies. I already went thru all this back in XXXX.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

I am writing to file a formal complaint against ConServe for engaging in abusive and unfair debt collection practices, in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have furnished a collection account on my credit report that I did not agree to or participate in, as there was no legal contract between the parties involved.

Under the FDCPA, debt collectors must follow a strict five-step validation process before pursuing collections. However, Conserve failed to adhere to this process. They did not provide proper validation of the debt, which constitutes an unfair and deceptive practice as prohibited by the FDCPA.

Additionally, the furnishing of this account without my consent or involvement violates my rights under the FDCPA. Per the act, I am entitled to compensation of up to {$1000.00} per violation, and I request the enforcement of this provision given the clear violation of my rights. 

I kindly ask that you investigate this matter and take the necessary steps to ensure that this collection is removed from my credit report and that appropriate penalties are imposed on ConServe for their violations. 

Thank you for your time and assistance. I look forward to your prompt resolution of this issue.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (AZ)

Bloomingdales did not appropriately safeguard my credit account information. Someone accessed my account that had not been used in years and began ordering multiple high-dollar items on consecutive days. The first package arrived to our previous residence and we were notified by the tenants we had receive a package. I immediately notified Bloomingdales on XXXX XXXX that a fraud/security breach had happened and that I did not order this item. They kept me on the phone for over XXXX hours while they tried to figure out what was going on. I was eventually told that the perpetrator was able to order over {$2300.00} worth of items and change the shipping address with NO fraud detection!!!!!! I ca n't even place a single online order without them holding it for verification, but this person was able to ship multiple $ XXXX items to a new billing address???? 
I was told by the representative that they would send out a fraud form and cancel XXXX my store account ( which these charges occurred on and my XXXX ). On XXXX XXXX, the company proceeded to process a payment from my bank account despite my notification over a month before notifying them of the FRAUD!! I contacted them again, spend another hour + on the phone, requested to speak with a supervisor, spoke with XXXX different reps and was advise to fax in my bank statement showing the charge as well as my bill and the dispute information. I did that in late XXXX and I still have not been refunded for the amount they had no right to take from my checking account AFTER I reported the fraud. This company is neither protecting consumers from FRAUD, nor notifying their customers when a data breach has occurred and they owe me over {$2300.00} that they unrightfully took from my checking account after the fraud notification.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (WV)

Why did XXXX XXXX ( Credit Agency ), take off the $ XXXX-Dollars, ( for a PARKING FEE LATE CHARGE OF MY VEHICLE ), as I had & was told by my Daughter, that SHE had picked-up HER CAR. ( as I had given my Car to her ). *IN THE PAST I HAD GIVEN MY DAUGHTER XXXX-Other Cars ... .. ( SHE HAD ALWAYS GOT THEM, in the past ). I was in the XXXX, & thus had NO WAY OF KNOWING if in fact the Car had been picked-up by her? 
SHE TOLD ME SHE GOT THE CAR, I HAD GIVEN HER. 
WHY DID XXXX XXXX XXXX XXXX, take this ( XXXX ), off of MY CREDIT REPORT ... ... AND EXPERIAN DID ''NOT ''? 
Thanks, XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

Re : Fraudulent Accounts Under Investigation for Identity Theft Account Number XXXX Account Number XXXX To Whom It May Concern, I am writing to inform you that the accounts listed under XXXX XXXX XXXX XXXX  ( Account Number XXXX ) and LVNV Funding LLC ( Account Number XXXX ) are currently under investigation for identity theft and inaccurate reporting. These accounts have been fraudulently opened in my name and have been reported inaccurately on my credit file to XXXX, XXXX, and XXXX. 

As these accounts are not mine, I have initiated an identity theft report in compliance with federal regulations, and I dispute any and all claims associated with these debts. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to have accurate and verifiable information reported on my credit profile. No verifiable documentation linking me to these debts has been provided, nor has any original account information with signatures or agreements been made available. 

Further, I invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and Maryland state law ( 14-202 of the Maryland Commercial Law Code ), both of which prohibit the attempt to collect a debt without proper validation or through deceptive practices. It is unlawful to pursue collection or report this debt when it is the result of identity theft and can not be validated with direct, original information.

Therefore, I request the following actions immediately : Place both accounts under investigation as part of the identity theft report and cease all collection efforts until this matter is resolved. 
Remove the inaccurate reports of these accounts from my credit files with XXXX, XXXX, and XXXX. 
Provide written confirmation of the investigation and eventual removal of the fraudulent information from all credit bureaus. 
Failure to correct these inaccuracies will leave me no choice but to pursue legal action under the FCRA, FDCPA, and applicable Maryland state laws to enforce my rights and seek remedies, including damages for improper reporting and legal fees. 

I expect your prompt response within 30 days of receiving this letter, as required by law. I also request that the credit bureaus be informed of this dispute and investigation immediately. 

Sincerely,
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # XXXX, LVNV FUNDING LLC Account # XXXX XXXX  Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX  Account # XXXX, LVNV FUNDING LLC Account # XXXX, XXXX  Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

I did two subsequent ATM transactions ( XXXX XXXX USD ) on the XXXX of XXXX. For this reason, my account has been blocked since then and all my transactions and access requests are denied. On checking with the bank, they mentioned they had sent a letter to my address and with that letter only they can verify my unblock request. I started using the current number from XXXX on XX/XX/XXXX ( my first day in the XXXX ). I verified with the telephone company and they verified that my name is linked to my number. However, for some reason, my bank can not verify my number. I called the bank several times in the past two weeks and every time they asked me to wait for the letter. After 14 days, they agreed to submit my request to higher authority however there was no improvement in my situation. When I talk to them again on the 16th day of the incident, they are willing to send the letter again to my address, with no guarantee of me receiving it. Meanwhile, I have changed my address and moved to a new house which I have updated in my bank through the Citibank mobile app. However, they are not willing to send me the letter. I suggested sending the letter to the nearest branch where I could go and verify myself using all the relevant documents and they are unable to do that also. I have no cash in my hand and my salary is in my bank account which I am unable to use. My last conversation with them today ( XXXX XXXX ) went in vain as they repeated the same scenario.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$820.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1600.00} Action : I was XXXX for XXXX years. From XX/XX/XXXX - XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$350.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX  XXXX Date opened : XXXX XXXX Amount : {$1300.00} Action : I was XXXX for XXXX years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXXk Date opened : XXXX XXXX Amount : {$720.00} Action : I was XXXX  for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$5000.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXXXXXX XXXX Date opened : XXXX, XXXX Amount : {$1100.00} Action : I was XXXX for XXXX years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$1600.00} Action : I was XXXX for XXXX  years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$570.00} Action : I was XXXX for XXXX  years. From XXXX XXXX.I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX Date opened : XXXX XXXX Amount : {$960.00} Action : I was XXXX for XXXX years. From XXXX XXXX.I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NY)

ATTN : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX. Re : XXXX XXXX. Account # XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I reported a scam of a wire transfer of {$16000.00} from XX/XX/XXXX and XX/XX/XXXX to my bank Chase and XXXX and they set up a claim. I received a notification that my claim was denied and I would not be refunded these funds. When calling and inquiring how to get this money they said the claim was closed since apparently I authorized this transaction and there was no way to get my money back. This however is not true and I have been scammed out of the {$16000.00} and lost this money.
Consumer complaint received 2015-12-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Argon Credit (GA)

I received a call from Argon Credit asking if I wanted to refinance my account. At first, I stated No and my husband said yes we use it for XXXX. Well that is when the nightmare begin. I received the contact on XX/XX/XXXX and I notice that it did not have any account information. I called an gave her the information and was told that the funds would be there on XX/XX/XXXX. They were not there, so I called and spoke with XXXX XXXX, she asked that I send her bank statement and voided check which I did. Then a young man called and asked for the same information, I explained that I had sent it to XXXX XXXX and he stated that she had not update and ask that I email him the documents. The next day no funds so I called and was told that it would take up to 5 days, I have never had a problem in the pass. So on XX/XX/XXXX I called and I said ok this is crazy I have been waiting since XX/XX/XXXX for the funds and you send me an email stating that the funds would be in my account on XX/XX/XXXX. I ask can we just cancel and I go back to my old agreement that I had. XXXX ask that I allow him to see what was going on and call me back. He did and told me that the bank had rejected the deposit, so I call the bank and was told that no deposit was presented my that company. So I called back and I requested a supervisor, all the time I am asking about this due date of XX/XX/XXXX which was going to be less than 30day since at this time I did not have the funds. I was told each time that once I received the funds to call back and the due date would be changed. Well the funds were finally deposited into my account on XX/XX/XXXX 11 days after this whole process started. So I called and spoke with XXXX and was told that she would call me back. She did leave a message when I called back I was told that the due date would not be change the payment is due on XX/XX/XXXX, 19 days after I received the funds. Then I am looking at the contact and it states that funds will be issue no later than 5 days after the contact since I there is a 5 day grace before late fee applies. I also notice that the interest is 59 %. Everyone that I talked to before told me that the due date would be change since it was after the 5 days and now I am being told that they are not willing to change the due date.
Consumer complaint received 2024-10-03
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: DISCOVER BANK (IL)

I went to XXXX XXXX XXXX XXXX for services and the services were not performed as expected. 
My teeth were damaged and all parties involved with my treatment plan were no longer with the institution/school. 

I filed a Dispute with the school 's XX/XX/XXXX and with Discover by exercising my rights as a Dissatisfied customer with the services I received. 

Discover 's reason for denying a reversal of charges was not in alignment with my complaint or within my Bill of Rights as a card member.