davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc (FL)

I have a collection account listed on my credit reports by a debt Collection Agency, KLS FINANCIAL SERVICES, collecting on behalf of XXXX XXXX XXXX XXXX XXXX KLS FINANCIAL SERVICES, is not licensed to collect in the state of Florida and therefore I am disputing this collection account. Their license expired in XX/XX/year>.
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (NC)

On XX/XX/year>, I sent XXXX Bitcoin ( {$2500.00} ) from my XXXX wallet to my Trust wallet at XXXX XXXX, and it was received and 15 minutes later was gone. It shown as it was transferred to another account but without my permission.
Consumer complaint received 2024-05-29
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group (MT)

I have paid XXXXmonth for debt settlement for 2 years. Nothing has been settled or paid. I called XXXX XXXX who is supposed to be holding my funds in escrow and I am told I have XXXX in that account. Law firm of Derek Williams has taken the rest of the money and done nothing for me. I am unable to reach anyone at this institution by phone. It either just hangs up or I am placed on terminal hold.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bliksum, LLC (SD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-21
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: Legal Action Bureau Inc (PA)

LEGAL ACTION BUREAU XXXX XXXX XXXX XXXX XXXX, FL XXXX Has reported a fraudulent account In which they have failed to provide any information or a contact
Consumer complaint received 2024-05-21
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law (MT)

I contacted a debt Solutions Company to consolidate my credit card debt so I could pay it off faster. I was sent to Level One Law. I signed papers with Them to withdraw {$250.00} each month to pay my debts. Thay have done not one thing on my behalf. A company called XXXX XXXX takes the money from my account. The first withdrawl was XX/XX/year> and each month after through the present. None of the money has gone to pay my debts and I can not reach anyone connected to this company. I looked up XXXX XXXX and Level One Law and they are being sued and the XXXX  will not register them. I opted out of their program and told them to cease withdrawing funds from my checking account, and requested ALL of my money to be returned as they have done nothing for me. Not even any letters to inform my creditors of what I was doing. NOTHING! I also filed for a stop payment at my bank and am asking for a new account so they have no access to my funds. I am a XXXX XXXX XXXX XXXX woman trying to live on a very limited income. I did NOT need to be scammed by these people! Please Advise.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

XX/XX/ Monday I called Equifax to report that I logged into Equifax com and could not see my credit report or my debts that were reported. I had to access XXXX XXXX to see my scores and debts that was on my credit and I'm not sure if it is even accurate.
Consumer complaint received 2024-05-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Green Square Company LLC. (CA)

on XX/XX/XXXX I received a phone call from a Massachusetts area code ( XXXX ), I answered because I am from Massachusetts and thought it might be related to a family member. The person on the phone told me they were trying to deliver legal documents to me but that they couldn't with the address they had. I asked them " is this a scam? '' and they said " no, are you not aware that you have legal documents coming to you? '' and I said no. I asked them who was calling me and they said XXXX XXXX XXXX service. They gave me a phone number and a reference #. I called the phone number - ( XXXX ) XXXX and gave the person who answered the reference number. They said that they were a law firm who would be suing on behalf of their client who was trying to collect a debt. I told them I knew nothing about this and they sounded/acted surprised. I asked them what the debt was for and they said it was for a Massachusetts medical bill. I told them I had not lived in Massachusetts since XXXX, and any medical bill I would owe would be even older than that. They said it was for a hospital, and I said " so that might be XXXX or XXXX, don't debts older than 7 years have a statute of limitations? '' and he said that once a debt collector buys the debt the years and statutes change. I asked for proof of the debt, history, records, receipts of the debt being bought, and the original bill. He said that I would not be able to get that stuff unless I settled the debt, or went to court. I said " you're going to sue me for a XXXX XXXX XXXX debt that you bought for pennies on the dollar? '' and he said yes, and I asked " so you're going to summons me to court in Massachusetts? '' and he said " no, likely your local court. '' I asked who he represents and he said XXXX, ' and then I asked for his information and his company information - XXXX XXXX XXXX XXXX XXXX Nevada , and his name was XXXX XXXX XXXX # XXXX.
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Neon Newco Corporation (WA)

I have been doing business with NetSpend for about four years now. My SSA and XXXX deposits were steady coming in on the last two days of the month, but since 2023, my deposits has been irregular. When I called Social Security and XXXX XXXX XXXX  where my deposits come from, I was told from both bank and XXXX that NetSpend knows that without fail, that they deposits my money the same time each month and if it is late or held up that it is NetSpend that is holding my money up. I have asked NetSpend over and again why is my money late and who is responsible for it? NetSpend continues to tell me that the bank and SSA hasn't deposited my money yet. I believe that NetSpend is holding my money up on purpose because every since I haphazardly found out that my insurance company was using my married name to fund an additional insurance policy without my permission using a NetSpend card of mine that NetSpend themselves cancelled somehow without my consent due to some error, making that card nullified. So I had to order another card. Since then I stop leaving much of my money in NetSpend to keep them from using it or taking it without my permission, now they hold it up to prevent me from using it to take care of my business. I will fill a different complaint about that another time because I have not gotten a satisfactory answer from the State of Washington about that particular fraud. Right now I would like you to investigate why NetSpend continues to hold up my deposits.
Consumer complaint received 2024-05-23
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group (OK)

I signed up with Infinite Law Group Derek Williams through XXXX with XXXX XXXX  in XXXX XXXX XXXX I paid almost XXXX a month until XXXX of this year and none of my debts were settled. I couldn't get people to call me back. I would stay on hold for over an hour at at time to get someone on the phone. I had to pay all of the fees up front but no services were rendered by Infinite Law Group/Derek Williams . I stopped paying XXXX XXXX and stopped my payment/withdrew with Infinite. I am out a LOT of money with nothing to show for it and was sued twice. I am filing a complaint for review to get my money back. I would not sign up with Derek Williams or Infinite Law Group unless you just want to give money away. It is a horrible service.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

I received a vanilla gift card for my daughters birthday worth {$200.00}. I tried to use it on XX/XX/2023, and the card was declined. I tried it XXXX times the card was declined. Finally, when I decided to check the balance, it showed multiple transactions I did not authorize from XXXX XXXX and others. 

The transaction I attempted to make was at XXXX XXXX XXXX and had a {$20.00} hold on each, which was a total of {$60.00}. Finally, the card had a {$4.00} balance with all transactions I did not approve, so I attempted to call customer service for the vanilla gift card. They hung up on me three times, but I recorded the calls. I will provide it if necessary, but this tells me this is a fraud. I did look it up online, and there seems to be a big scam going on with this vanilla gift card, so Im reporting it to see if I can have my gift card resent because Im not able to fix this with the company itself.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current (VA)

Subject : Complaint Regarding Dispute Resolution and Lack of Communication To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Current regarding the handling of a dispute on my Credit Build Card statement. The dispute in question involves a charge in the amount of {$1600.00} from XXXX XXXX XXXXXXXX, with a statement receipt number of XXXX. The dispute number assigned to this case is XXXX. 

Despite multiple attempts to reach out to Current through their customer service portals, I have received no updates or information regarding the status of my dispute. I have requested details about all communications they have received regarding the dispute, as well as information about where they are in the resolution process and what specific information they have gathered. Unfortunately, Current has failed to provide any of this crucial information. 

Furthermore, the unauthorized transaction from a blocked merchant has resulted in an overdraft on my account and has severely restricted my ability to use my account. Despite these significant issues, Current has provided no communication or updates regarding the dispute or the overdraft situation. 

I am deeply dissatisfied with the lack of transparency and communication from Current. I urgently request that Current rectify this situation immediately by refunding all funds related to the disputed transaction and resolving the overdraft issue. Additionally, I expect Current to provide timely updates and communication regarding the progress of the dispute resolution. 

Thank you for your attention to this matter. I trust that the CFPB will investigate this complaint thoroughly and take appropriate action to ensure fair treatment for consumers. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-21
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 (AL)

My paycheck was garnished by XXXX XXXX which I has submitted to Derek Williams Law group who is doing debt consolidation for me. XXXX XXXX did not recognize that I had given them a POA. After the garnishment I notified Derek Williams Law group and they removed the debtor. The judgment was settled and should have been removed in XX/XX/year>. On XXXX XXXX I received a random email from a XXXX XXXX for XXXX XXXX XXXX XXXX stating they were working on this debt with XXXX XXXX XXXX and it was already settled in XXXX. I emailed her at XXXX and received no response. I tried to get a lease and they said there was a judgment. So had to call everyone to figure it out. XXXX XXXX can not talk to me because it still shows this XXXX XXXX person as my " attorney ''. I don't know who that is or what is going on. But no letter of revocation was sent by XXXX XXXX or Derek Williams Law Group to date. I called Derek Williams Law Group to see if they could send one ASAP. I was told to wait 48 hours. My primary complaint is against XXXX XXXX and his associates. I need this judgment removed from my credit asap because I can't find a place to live and I will be homeless. Emails used wrong heading for case title.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

Dear Navy Federal Credit Union, Per the FCRA as a federally protected consumer, I am now exercising to my right to opt-out of the sharing of my nonpublic personal information with any nonaffiliated third party immediately and indefinitely ( XXXX, XXXX, XXXX XX/XX/XXXXXXXX, XXXX warning services ), as allowed under the provisions of the Gramm-Leach-Bailey Act., and 16 CFR 313.7 I am exercising my right to opt-out of any such disclosures. Please be advised the ability to opt-out applies to your company according to 16 CFR 433.3 and 16 CFR 433.2. 

Please ensure that my decision to opt-out is reflected in your records, and kindly confirm in writing that my preference has been noted and will be respected. If there are any specific forms or procedures required to complete this opt-out request, kindly provide them, and I will promptly fulfill the necessary requirements. I value the services provided by Navy Federal Credit Union and trust that my privacy preferences will be respected. Thank you for your attention to this matter.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-04
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. (FL)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX paid a friend through Venmo {$15.00} - this money was not withdrawn from my chosen payment method ( XXXX XXXX  connected via XXXX  ) and instead paid with my credit card I hold through Venmo despite there being funds in my XXXX  account. 

I issued a payment from my bank to the credit card immediately, since that was not the account I had wanted to make the payment with. 

Several days later I got word that both payments did not go though, however no information had changed at all with my bankacount since I connect it to venmo via XXXX. 

I tried several times to contact support and they recommended I hook up my bank again. 

After doing so, I was able to pay my friend another {$10.00} with no issues on XX/XX/XXXX. 

Today XX/XX/XXXX I learned that my credit card account was closed in spite of my following the Venmo representatives steps to correct the issue. 

When searching for help online, many other Venmo users were having difficulties with the same exact problem and also now have their accounts suddenly closed with no warning.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to formally submit a complaint regarding the compromise of my social security number, which has resulted in me becoming a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 ( a ), it is imperative that the credit reporting agencies take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : ACCOUNTS BEING CHALLENGE : XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX INQUIRIES BEING CHALLENGE : XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against the agencies involved, as allowed under the law. I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C XXXX. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under XXXX5 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failing to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) - Method of verification Violations under 15 USC 1681a ( 4 ) - Right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I request that you take immediate action to block and remove the fraudulent accounts from my credit report. I have provided all the necessary information to facilitate this process.
Consumer complaint received 2024-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I received a letter on XX/XX/2024 stating that I owe {$650.00} to Transworld Systems Inc. A company I have never had a contract with nor have I given this company any of my personal information. According to the FCRA this is unauthorized use of my information. This violation is fineable up to {$1000.00}.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$590.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1000.00}. According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.