davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC (IL)

Hello, I keep receiving the same text message that I believe to be a scam even when I report the message. The message reads below from the number " XXXX '' : " Re : XXXX : Call debt collector : Valor Intelligent Processing , LLC at XXXX or pay at XXXX XXXX XXXX XXXX. Reply Stop to opt out '' I have tried googling the company and their number does not match. Also, everything is paid and currently up to date with my XXXX. I want to make sure this is in fact a scam. I have received no mail or emails in regards to this.
Consumer complaint received 2024-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I completed a loan payment on XXXX XXXX with Oportun and the receipt showed my next payment to be {$0.00} however, the receipt still shows a balance due of XXXX cents. I went to the location XXXX times, emailed them XXXX times, and phoned them XXXX times to resolve this issue. The store location, does not accept change ( nor ) can the XXXX cents balance be paid. I submitted a complaint through the XXXX  and received a letter from the XXXX XXXX XXXX XXXXXXXX via XXXX  email on XX/XX/year>, which stated the XXXX cents balance would be credited to my account and I would receive a mailed copy. I phoned Oportun on XX/XX/year> to follow-up because I did not receive the documents by mail. On XXXX XXXX, I received a Paid In Full letter and receipt via email HOWEVER, the receipt still shows a balance due of XXXX cents.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (OR)

I moved out of my apartment managed by XXXX in 2XXXX submitted my lease termination paperwork along with my military orders specifying my transfer to Washington state. I handed in the paperwork, as well as emailed it multiple times. And yet they claim it was never received. I have attached emails proving it was received. Then Jefferson Capital began harassing me. Calling me early in the morning, multiple times throughout the day while I was working. I asked them to please send me proof of this debt in the mail to the address listed on file ( which they had because they also sent many letters demanding money but with no proof of the debt actually being owed ) and the man on the phone said thats not how this works and then told me if I want to the calls to stop to pay the debt, whether is owed it or not. It is impacting my credit score, and is mentally taxing.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE ()

This is a western transaction. I am the reciever here. The first attempt the sender send the money to me last XXXX XXXX. And it was being block by the western. And they demand a payment of almost XXXX to get unblock. But afterwards after being unblock the Refund the transafer to the Sender. Due to the destinated location. And the second attempt the sender try to send it again but in the different branch of western. On XXXX XXXX. And they are asking for clearances for almost XXXX again. I thought after being cleared. It will be okay. But not! They ask again for a payment of almost XXXX for the XXXX  XXXX  and XXXX  XXXX. But ended up until now i still dont get my funds. Its been 1 month and more than 2 weeks. Transaction
Consumer complaint received 2024-10-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARC Management Group, LLC (LA)

My name is XXXX XXXX, a federally protected consumer and Im making this Complaint against ARC MAN GROUP LLC for committing identity theft. I have never given ARC MAN GROUP LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Im legally refusing to pay this debt Pursuant to 1692c ( c ). I am demanding a cease and desist of all activity, any communication and collection activity, Of this and any alleged debt until ARC MAN GROUP LLC can provide me with sufficient documentary evidence, such as a trilateral contract that I have any legal obligation to pay them and also provide me with your errors and omissions insurance number. Are you licensed and bonded to collect in the state of Louisiana XXXX. XXXX Medical Statutes? I provide proof XXXX requesting all information. If this documentary evidence can not be produced and ARC MAN GROUP LLC continues it collection efforts. I wil file for litigation for Emotional, Economical, defamation for actual damages caused and ARC MAN GROUP LLC admission will be held criminally liable for aggravated identity theft Pursuant to 18 USC 1028A extortion, theft, by deception, securities fraud, and mail fraud and Im requesting to be provided your license and prove your bonded to see if can even collect in state of Louisiana Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1 - 202f. Your Prompt Attention and Response are both Requested and Required. ARC MAN GROUP LLC - XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (CA)

Im filling this complaint due to a debt not owed I worked for the company XXXX XXXX for 1 year to get my commercial driver licence and they say I didnt and took out a collection on me and sold it when I didnt sign any contract or paper work stating they could do that I fulfilled their terms for the 1 year with them and they took out the debt this company has done this thousands of times to people already and have been sued many times about this issue I would like it removed off my credit report so I can buy a house
Consumer complaint received 2024-10-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (TX)

Can't believe Paragon Revenue Group still won't leave me alone. Today should be a day of celebration for my XXXX XXXX XXXX, but instead my wife is dead I'm dealing with constant harassment for a debt. This mental anguish needs to stop, I've lost enough already.
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-10-04
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY (CA)

First, a Wells fargo rep gave me an incorrect amount to bring my account up to date. I was {$6.00} short, so they put my acct as delinquent. The second time, I called to verify a payment and I was told that it was processed. Then I get a call saying my account is 90 days past due. I pay late fee after late fee, but the bank does not want to take accountability for their mistakes.
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc. (TX)

While I made every effort to pay my debts and fulfill my responsibilities, in this instance XXXX XXXX was unfortunately unable to do the same. I have since gotten any letters through mail or email stating this debt has been paid in full and the account will be reported to all three-credit bureau. I've spoken to several of their representatives such has XXXX XXXX on XX/XX/2020 & XXXX XXXX on XX/XX/2020 about my account and both ladies took notes and gave accusation such as : on XX/XX/2020 the account will be officially closed on their end and give 21 days afterwards for the updates/process. I was also supposed to receive a call from their Attorney XXXX XXXX after speaking with another representative on XX/XX/2020 and to allow 24 -- 48 hours to hear for a response. Also, on XX/XX/2020 a representative stated it does " shows in their system that an attorney is aware that nothing has been filed or sent out ''. On XX/XX/2020 I spoke with XXXX XXXX and again nothing was resolved, I couldn't get any answers as to why my account hasn't been updated. Now I know that everything has been delayed due to the pandemic/Covid-19 but do not give a customer false information/misworded information if you are not going to meet the accommodation. The loss of customer respect/trust has been ruined. I just want to know why hasn't there been any information reported to " Conns Credit Corp '' about this account and why haven't I yet receive a letter about the account being resolved? We are in a new year and it going on 1 year since anything has been done about this account. I need answers and i need them now. I've learned this the hard way once any company sell your debt to a collection agency, they also write off your debt on their taxes which write off your obligation to pay. You can dispute the transaction via dispute.XXXX along with any other collection agency owned items lingering on your report. Your dispute reason is " contract was cancelled '' and write " no contract '' in the dispute comments. Peace and love to all! Knowledge is power! : ) I hope this help someone in the future I basically got scam out of {$1300.00} to a company i should have never paid to begin with. : )
Consumer complaint received 2021-02-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (OR)

After speaking to three reps at Ally and getting different information each time, I got the early lease termination information and turned in the vehicle where I purchased it. Ally said I could turn it into an Ally affiliated dealership near me, but I ended up driving 130 each way to turn it in on XX/XX/2021. I got the odometer statement filled out by the dealership as requested. The dealer faxed it to Ally at two different numbers provided by Ally. Neither was correct. I emailed it twice. No luck. I finally got a supervisor to give me their email address and confirm they got it. They were supposed to get an inspection and let me know the results. I was told today XX/XX/XXXX, that it was done on XX/XX/XXXX. I asked the rep to email me a copy. She placed me on hold with the department to get that done. Then one hour and eights minutes on hold, it disconnected. Then I called back and the rep said the inspection was NOT done. I asked to speak to a supervisor, who confirmed nothing. She said they were too busy to assist and directly me to their useless email contact area that didnt work the last three times they directed me there. It has been almost two months, nine calls, 6 hours on the phone, and this is not done. Still open on my credit report. Still no final statement. Still no end in sight. How is this acceptable? How is it possible I get a different answer literally every single time I call? This XXXX has not been in my possession for two months. I cant protect it. I cant drive it. I am still paying insurance on it in case it gets stolen or damaged during the delay.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

WELLS FARGO XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX {$680.00} was loaded onto my Nevada unemployment card. I went and purchased cigarettes from a XXXX down the street from my house in XXXX, NV and went to bed. In the morning, when I went to use the card, all of the money had been removed from an atm in XXXX XXXX, NY. I immediately contacted Bank of America and notified them of the fraudulent charges. They closed my card, ordered a new one and opened a claim to look into the fraud. When I received the new card on Friday XX/XX/XXXX, I was unable to activate it as my entire account had been closed due to fraud and there was no way for me to reopen it. I was instructed to contact unemployment. I called unemployment, they instructed me to send a copy of the front and back of my driver 's license and social security card to them and that one of their investigators would look into the issue and that I would not be getting paid but to keep filing. They could not tell me why I had been flagged as fraudulent or how long it was going to take. I called back today, XX/XX/XXXX as a payment was in fact released to my account for this week and I wanted to know where it would go. The gentleman informed me that I would have to wait for their system to recognize I was due a paper check which could take months.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

On SaturdayXX/XX/2021, I received a debit card from US Bank, number XXXX XXXX XXXX XXXX The name on the card is XXXX XXXX ; I know no one by that name. I have tried to report to US Bank but calling the number provided on the paperwork, plus several other US Bank numbers, was fruitless since they all said that this is a " Reliacard '' which is used for government benefits like unemployment -- and when I try multiple times to phone the Reliacard number they gave me, their lines are clogged and I can never get through. I am somewhat concerned about identity theft or welfare fraud or other issues, and I find it highly irresponsible of US Bank to be inaccessible.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (OH)

I am submitting this complaint regarding LJ Ross Associates due to their failure to respond to my cease-and-desist notice. On XX/XX/year>, I sent a notice requesting proof of claim, which included a demand for a true and certified copy ( NOT a photocopy ) of the Original Note ( Credit Agreement ). This documentation must be provided under penalty of perjury and with unlimited liability, confirming that this Note has never been sold. 

As of today, XX/XX/year>, I have not received any response or the requested documentation. Additionally, I require proof that I have signed over my rights to privacy, allowing your company to possess my personal information. I want to clarify that I have no knowledge of who LJ Ross Associates is, nor have I ever signed any contracts with them promising to make any payments for any products or services. 

This situation appears to be a fraudulent attempt to extract money from me. Such actions have led to denied credit due to the misrepresentation of my character. I am seeking resolution and expect a prompt response to this complaint.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (NC)

I am writing to formally request assistance in obtaining all relevant account documentation from Acima Credit. Specifically, I am seeking : - A copy of my leasing agreement, - The payment ledger for my account, - The arbitration agreement included with my contract, and - All communications between Acima and myself regarding the account. 

Despite multiple attempts to obtain this information directly from Acima, I have not received the necessary documents. I believe that this lack of transparency is limiting my ability to understand and address issues related to my account. 

Please assist me in facilitating this request and ensuring that Acima Credit provides the requested documents in a timely manner. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (FL)

Sent this email to Regions Bank on XX/XX/XXXX I am writing this email in hopes that my bank will be following the lead that several other banking institutions are doing as it pertains to NSF fees. Its my understanding that based on an ongoing investigation by the CFPB regarding excessive fees charged some banks are updating their policies. These updates will reduce fees and give people an opportunity to bring their accounts current in a timely manner. 

I think I am a perfect example of a customer who has been loyal for years and yet see constant fees that I really cant afford for either minimal over drafts or multiple small amounts causing lots of fees which in turn those fees compound the negative amount causing additional fees. 

During XXXX my checking account was charged {$3600.00} in NSF fees. As you can see from my account I live paycheck to paycheck raising and educating XXXX kids can do that. I never overdrew my account for frivolous reasons I can understand your banks need to make a profit. 

Thank you for reading my concerns, I look forward to hearing from you. 
Acct number xxxx They did respond by phone a few days later stating that they were in the process of updating their policies and fees because of recent issues in general. The lady I spoke with said she would refund {$140.00} to my account as a sign of good faith, which was nice but no where near the amounts I paid and in allot of situations for a {$2.00} charge that over drew my account they charged {$36.00} and then as fast as I could deposit the fees would continue to be charged making the amounts some months over {$300.00} for me only being over drawn by a few dollars. They have continued this practice during XXXX and I've been charges several hundred dollars again, most recently for being over drawn {$30.00} I was charged {$72.00} and then my deposits could cover more fees. 

I called today ( XX/XX/XXXX ) to see if they could help in reversing the {$72.00} and I was told that now you get 1/2 of a few refunded over the life of an account and I had exceeded that {$18.00} refund amount. I just don't know how the bank continues to charge such high fees knowing that in the economy for the last 18 months, most of us have been struggling. Regions Bank should not be continuing to do this, and should have offered to refund more than {$140.00} after I've paid them almost {$4000.00} in NSF fees in the last 18 months.
Consumer complaint received 2019-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

on XX/XX/2019 I tried to cash out my money from cash app to my bank card I was told that my account has been closed and then I should link a new debit card to withdraw my remaining funds every debit card and credit card that I've linked is not compatible with cash app there is no operator to speak with only voice animated replies I currently can't withdraw the funds or send the funds to someone else ... I have no idea what to do now I've been trying for two months now