davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group (OK)

I enrolled in a consolidation program initially called Infinite Law Group, now named The Law Firm of Derek Williams LLC XX/XX/2023. I enrolled XXXX different creditors to get them paid off and was told after XXXX months I would notice changes and creditors being paid off. I pay them {$180.00} every 2 weeks for their services. One creditor has been settled for about $ XXXX. XXXX other creditors theres no update. XXXX creditors thats in litigation has started garnishing my bank account because this company isnt doing their job. Ive tried to call and call and no one can be reached or the hold time is more than I have time to wait. Ive seen complaints of wait time to reach someone is 2-3 hours from other complaints. I have a job and obviously for sure cant reach them on a weekend. In total Ive paid them $ XXXX and XXXX cant even talk with anyone or get an update on whats going. Its definitely starting to seem like a fraud of a company.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Creditor's Collection Service, Inc. (PA)

CCS is trying to collect on a debt that is not owed. I have requested several times that CCS remove all reporting from the all 3 credit bureaus. I do not owe any debt to XXXX. In fact, XXXX has provided documentation dated XX/XX/XXXX stating my account payments have been timely and I do not owe any debts. Additionally, I have attached the email from XXXX stating my coverage ended on XX/XX/XXXX, which is well before the date on the letter of XX/XX/XXXX. Despite CCS having this documentation and me providing them with it further, CCS is willfully reporting inaccurate, fraudulent information which is resulting in massive harm to my credit report. I demand CCS delete all reporting from the credit bureaus immediately.
Consumer complaint received 2024-04-23
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (IN)

I went through a depht consolidation 12 months ago and XXXXXXXX XXXX XXXX  only paid 3 of my credit cards .I paid over XXXX dollars and I have received 2 summons for 2 of the credit cards .I have been trying to get a hold of them and they never have contacted me on this situation. I have sent them all my paper work and the court papers and still no respond .There was a attorney appointed to me through them and now he's not contacting me at all .I want something done with this company because now they have ruined my life and ruined my credit score .In there contract they are suppose to pay me back if I cancel anytime and they are suppose to pay me back 80 %. But we know that won't happen because I believe I got scammed
Consumer complaint received 2023-10-26
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. (PA)

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 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 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2024-04-23
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Michel Law, LLC d/b/a Level One Law (TN)

I signed up for what I thought was a debt consolidation. Then they said I could not get a loan. Then After enrolling in the company, someone contacted me saying that they were a lawyer and I should not worry about anything further but not speaking with any creditors directly because it would hurt me. Meanwhile, my credit score took a big hit, under XXXX and I received two summons from creditors. Another lawyer, XXXX contacted me and said she was taking care of the issue and I should not worry about anything. Then after calling her twice, she said she was going to make a settlement offer. She asked if I could afford XXXX dollars a month for the settlement. I replied no since I was paying the level one law XXXX per money to pay these settlements off. Not on top of the payments. I have been in the program for over a year putting {$8000.00} dollars and I was misled on how this works. I repeatedly tried to contact the company and all phone numbers/chat says that it is inactive. It leads to nowhere. I started looking online and the company has a rated F on the XXXX I discovered many people 's reviews of it being a scam. I tried reaching out to XXXX with a voicemail leading to a full mailbox each time. I have since talked with the actual creditors who were nice and not at all the way level one law described them to me. Another document came through saying that they were not in litigation and to sign saying they hold no money upfront. This is unethical because after reaching the global bank holding my money to disperse to my creditors said they are in fact in litigation. I now am just waiting after canceling through the bank to get money back, but I am guessing they are just going to pocket it all and waited one year of diligently making payments and getting nowhere with a company that will not even call you back. there is currently no way to get in touch with them. I realize that I can no longer be helped because I fell for their scam, but I am writing this to help others not end up in this predicament.
Consumer complaint received 2024-04-23
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (CT)

XXXX XXXX I was contacted by XXXX XXXX about consolidating my credit cards into one monthly payment with lower interest. 

At that time all of my credit cards were paid on time monthly and my credit score was about XXXX 

They ran some number and told me I was not qualified for a loan... 

They offered me to set up a monthly payment with them and they would negotiate final number with the creditors for less than I owe and make payment to them in one monthly charge of {$640.00} for about $ XXXX consolidated debt for the next 48 month. 

They sent a notary public person to my place of work to sign the agreement. 
Next couple of day an attorney from their law firm called me to introduced herself and provided me with her contact information. 

I was provided with the app to see the progress and upload all new statement from the creditors. I was also told to stop making any payments to the creditors. Again at that time I was on time with my payments and had excellent credit score. 

I was told to ignore any call from the creditors because they had everything under control. 

XXXX XXXX I kept checking the app and no progress was made with the creditors. I started calling XXXX customer service but was on a hold for hours, no response. I tried next day and the day after. No response. Then I tried to get in touch with the attorney XXXX XXXX. Of course she did not pick up the phone but texted me saying that " our vendor Strategic Financial Solution has been shut down, preventing our clients and us accessing accounts. That's the all information I have ''. I was shocked and terrified at the same time. 

I kept asking her questions and was trying to explain how they are totally ruined my financial situation but no answer form her or the firm. 

I immediately called my bank and stopped any future payments going out. 

All of my credit cards ( not just ones that were enrolled with them ) got closed. I went from $ XXXX in credit line that I was building over 13 years to {$0.00} and no credit history. 


At this point I got sued by a creditor, had to deal with them on my own trying to clear this mess they created. 

I am looking for your help to get at least money back and somehow rebuild the credit. 

The amount of stress this has created on me and me health is absolutely insane. I do not wish anyone to be in this situation. I want justice.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Accscient, LLC (GA)

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given NATIONWIDE RECOVERY SERVICESXXXX XXXX XXXX/NATIONWIDE RECO prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, NATIONWIDE RECOVERY SERVICES, XXXX XXXX/NATIONWIDE RECO XXXX XXXX, XXXX, XXXX XXXX written permission or consent to obtain my information or to furnish my information.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Premier Account Management (VA)

Im having issues with inquiries from credit companies who say it wont affect your credit or it will drop off quickly and its still affecting my score. I also hired an attorney to remove a car loan that I wasnt responsible for and it didnt even raise my score. All the credit cards that say charge off were cards I had when Covid shut my life down. They said over the phone they were releasing me from the debt due to hardship and reported after Covid restrictions lifted : the lving corporation is a company who bought credit ones old debts. I settled it with XXXX XXXX  and it was sold. The other charge off was from bridgecrest where I was told it would be removed from my credit report and was not.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P. (NY)

I received a letter from my bank that XXXX was taken out of my account from a legal document, regarding a debt collection. Only info the bank had was to contact XXXX XXXX XXXX XXXX. I contacted his office and was told this judgement was from XXXX. I dont have a XXXX credit card other than XXXX XXXX which was active and in good standing. I then Called XXXX, they wouldnt give any Information other than, I had XXXX accounts in the past with them a XXXX XXXX XXXX and an active XXXX XXXX account. I was never contacted about this debt, I was never given information that I had a judgment against me, I never received any court documents. How is this legal? XXXX has a statue of limitations, if this debt was in fact mine and not fraudulent, this far exceeds the statute of limitations.
Consumer complaint received 2024-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accscient, LLC (MT)

I contacted the hospital to whom I originally owed the debt. My letters are sent to an out of state address, because I work XXXX XXXX and do my best handling written mail. The debt that is attempting to be collected violates the No Surprises Act and is also detailed in the hospitals policy. I was seen by the XXXX, but was charged this amount for an addition physicians fee. My insurance covers XXXX with a XXXX XXXX copay. I reached out to the hospital after I received my last notice ( it was the first one I saw ), and asked them to hold off on collections while I try to figure out what the debt was and how to move forward. It has now been sent to collections, but the original debt violates federal law. I am still contacting the hospital.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Capital Accounts, LLC (TX)

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Envios de Valores La Nacional Corp. (NC)

I had some unused money orders but the face value is still good ( I did call to verify the value ), but when I deposited to my bank I could not get my money. After that I did send them to the money order claim to get them replace the new one, but the center send them back to me.
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BlockFi Inc (ME)

This matter pertains to my company XXXX XXXX XXXX of which I am the member and director. Our bank statement shows that on XX/XX/XXXX we executed a Wire Transfer payment to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' in the amount of {$290000.00} to pay off in full our BlockFi Business Loan # XXXX. The payment included {$290000.00} principal and of {$240.00} accrued interest. We don't understand why the payment was never credited to our loan account and why Scratch continued to charge us interest payments on this loan until BlockFi refinanced it as part of a consolidation of all our outstanding loans on XXXX XX/XX/XXXX, As the result, we have ended up having to repay this loan twice. We are trying to understand what happened to our XX/XX/XXXX payment and why Scratch didn't credit it to our account. We wrote to Scratch and asked them to look into their internal records and give us more information, as it is difficult now to obtain any information out of BlockFi which went bankrupt following our payment to Scratch. Scratch sent the following, unsatisfactory reply to our query : Ky ( Scratch Borrower Operations ) XXXX XXXX, XXXX, XXXX PDT Hello XXXX XXXX We understand that this may be an inconvenience, but effective XX/XX/XXXX, BlockFi is your loan servicer. BlockFi is also the current owner of your loan. XXXX XXXX is unable to assist at this time. 

How can I contact BlockFi? 

You may contact BlockFis claims agent XXXX at ( XXXX ) XXXX ( XXXX ) or ( XXXX ) XXXX ( XXXX ), email blockfiinfo@ra.kroll.com, or visit their website at https : //restructuring.ra.kroll.com/blockfi. 

Best, Ky XXXX XXXX
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kostka and Associates, LLC (WI)

I was interested in finishing my XXXXXXXX XXXX and thought XXXX XXXX would be the best way. I spoke with XXXX  XXXX XXXX and requested info. I received a phone call from XXXX XXXX XXXX and met with a gentlemen to discuss and possibly sign up with them. The gentlemen was very persuasive and pushy. I signed the papers to begin attending online classes. After about XXXX months or so of payments, I was finding that this way of learning was not working for me. I contacted XXXX XXXXXXXX XXXX to discuss options. They took me to court on XX/XX/XXXX. The judge asked if this was my debt, I told her no and she entered in a guilty plea. Starting on XXXX XXXX, XXXX XXXX XXXX trying to garnish my wages. I changed jobs, and on XX/XX/XXXX, a second garnishment attempt was made. On XX/XX/XXXX, XXXX XXXX XXXX filed bankruptcy under XXXX  XXXX ( Liquidation ) of the federal bankruptcy Act, case # XXXX. The law office of Kostka & Associates bought my debt of {$5600.00} for {$220.00} plus fees from XXXX, for a total cost of {$600.00}. On XX/XX/XXXX, a third garnishment attempt was made. And a fourth attempt on XX/XX/XXXX. And a fifth attempt on XX/XX/XXXX. On XX/XX/XXXX, I started being garnished XXXX XXXX of my pay, plus interest, for an education I will never receive. As of XX/XX/XXXX, my balance owed was {$2000.00}. On XX/XX/XXXX, I received a notice form Kostka & Associates, that was electronically filed, showing an unpaid balance of {$2200.00}, with an unpaid post-judgement interest of {$940.00}, and an estimated costs of this earning garnishment of {$120.00}, for a total now owed of {$3200.00}. Why am I not being notified of the filings until after the interest was added? How is this legal? I have paid more than half of money owed. Whats the legal interest that can be charged on a judgement that is being paid weekly? This practice of buying a debt from a company who has filed bankruptcy should be illegal and why am I not being notified of court filings before a new judgement is entered?
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Goldcar Lending Inc. (GA)

GoldCar lending came and repossession my car and there were no late payments on the car and I had just paid the car note XXXX XXXX and XX/XX/year> they came and got the car. I called to get the car back and was told the car was no longer available they had sold it. The Balance {$5600.00} is what I would have had left to pay if I still had the car. This not a legit car dealership it's a local mom and pops dealership that sale used cars.
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Smart Money Alliance (NC)

XXXX XXXX had me sign a contract for a service he does not provide. In the contract, he asked to be wired XXXX XXXX  but since he knew I could not afford that amount he asked for me to wire him XXXX XXXX  so that he could scam me out of my money! He is now sending me an invoice stating that I should pay him XXXX dollar because he is adding late fees and is threatening to ruin my credit! This man has a history of scamming people out of their money! I would wire him XXXX XXXX  and want my money returned. Please investigate this man and stop him from doing this to other people!
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: KP ASSET CONSULTING LLC (IN)

Unsure of dates or times, just myself and a friend receiving multiple voicemails from K P ASSET CONSULTING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Threatening legal action. Threatening to come to my place of employment and my home.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : SYNCB/PPC XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

This was my follow up submission of my concern regarding these listed inquiries which I sent a letter to the XXXX, Equifax and XXXX Credit Bureaus dated XX/XX/XXXX. And I am asking for help from CFPB to make the mentioned 3 Credit Bureaus will do with professionalism in addressing my inquiry removal request. Please, Here is a list of inquiries that don't belong to me or were opened without my permission, and in need of deletion from them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies should block any information in my file that I identify as resulting from alleged identity theft within four business days of receiving the report.