davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ProCollect, Inc. (TX)

I was asked to leave because I had a boyfriend who caused problems I was being abused and was in fear for my life I did what i was asked to do I put in my notice to vacate I was packing and my now ex came into my apartment and dragged me into his car I was held hostage by him for almost XXXX months he was caught and arrested on unrelated charges I was so traumatized I refused to relive my abuse and since he was already going away for a long time my doctor suggested I just move on. When I called the apartment complex they were very hateful and refused to give me the property management information so I could explain my situation and maybe come up with a payment plan even though I was charge way over the amount of any damage that was done they charged me for cleaning carpets that were covered with my huge area rug they also charged me for painting when there was no reason to paint I keep a very clean home. I left a couch and table and was charged hundreds of dollars to remove it. I then started receiving calls from the property management company multiple times a day and asked them to stop calling I was hiring a lawyer they are no longer in business but i still have this debt.
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC (TX)

I had my vehicle repossessed in the evening without even knowing and I tried to get my belongings back and they are refusing unless I pay a fee of {$50.00} to get my own belongings back.
Consumer complaint received 2024-06-21
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (MT)

I got a letter from FORTIVA that I had a new credit card with their company that I did not request. First, it caused my credit score to go down and this is how I found out FORTIVA opened a credit card for me. 

I called the company to demand this credit card be closed immediately. FORTIVA said that was NOT POSSIBLE! 

About a week later I learned that FORTIVA had taken a zero interest pay off for security equipment that I was paying XXXX XXXX month with no interest and moved it to their credit card with a 25 % interest rate. FORTIVA does not have the right to change the payment term of the agreement. 

I want FORTIVA to correct my credit and return the balance to a month payment with no interest
Consumer complaint received 2024-06-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

The Navient on-line website only show XXXX payments received from me from XXXX 2024-XXXX 2024. I have in fact made over XXXX payments, XXXX of which were made in the month of XXXX for the amount of {$340.00}. I have uploaded the statements to their website as instructed, but every time I call customer service to get an update either they contend they they are not able to see the documents yet or I'm routed to another automated phone connection. No one seems willing to assisting me with resolution, instead, they want me to make alleged past due payments. This is very troublesome as payments made by me are not posting but the funds have been deducted from my account. I even have confirmation numbers for each of the payments made but the company contend they do not have these confirmation numbers. This is even more troublesome.
Consumer complaint received 2023-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (GA)

Account number mentioned on the bill : XXXX AND XXXX ARStart has sent a statement that I owe debt {$44.00} for XXXX XXXX as on XX/XX/2022. 

This is a debt that i do not owe, nor I have used " XXXX XXXX '', nor even the date stated XX/XX/2022. 

ARStart is attempting to collect charge that is not mine.

ARStart must immediately remove such erroneous bill from my name.
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NH)

Abusive, Deceptive, and Unfair Debt Collection Practices under the FDCPA ; Violations of the Fair Credit Reporting Act ( FCRA ) I am filing this complaint against XXXX  and Velocity for engaging in abusive, deceptive, and unfair practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The specific issues are as follows : XXXX  has furnished an amount that I did not agree upon, and I did not sign any agreement pertaining to this debt. According to the FDCPA, a legal contract must be signed by both parties, and I did not participate in any such agreement. 
XXXX  failed to follow the proper 5-step validation procedure for debt collection, making their actions an unfair practice. 
Under the FDCPA, I am entitled to {$1000.00} per violation. Clearly, XXXX  has violated my rights as stipulated under the FDCPA. 
XXXX. FCRA Violations : The account furnished by XXXX ( Account name : # XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under the following sections of 15 U.S.C. 1681 : 15 U.S.C. 1681 Section 602 ( a ) : States that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits any consumer reporting agency from making a consumer report containing adverse information that is more than seven years old.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I have been disputing this account furnished by XXXX  since XXXX. XXXX claims that Velocity has purchased the agreement without my knowledge or signature. 
Velocity does not report to the credit reporting agencies and is not reporting a tradeline for this account. 

XXXX has furnished the account and has failed to provide a permissible purpose for doing so and has not followed the proper XXXX validation procedure. 

I hope that the CFPB will take swift action to address these violations and prevent any further abuse of consumer rights. I would hate for this issue to escalate into litigation because the CFPB allowed a furnisher to engage in unfair practices. It is the CFPB 's responsibility to ensure that companies adhere to the law and protect consumers like myself.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (OH)

I received an email on XX/XX/year> stating there is an account change and I would be paying monthly service fees. I called the number provided in the email and canceled the card immediately. The next day a monthly fee was charged. I waited until the end of the billing period and ultimately paid the fee as to not receive any late penalties. I then called and again closed the card on XX/XX/year> at XXXXXXXX XXXX. I was told the fee would be reversed and the account would be closed. It's not XX/XX/XXXX and neither of those events have occurred. I could call a third time but at this point, I don't think it matters how many times I contact them to close the account.
Consumer complaint received 2024-06-21
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 (LA)

On XX/XX/XXXX, XXXX XXXX XXXX charged me XXXX. I filed a dispute with Discover and they temporarily credited XXXX back during investigation on XX/XX/XXXX. On XX/XX/XXXX, they re-posted the amount back and I contacted the seller and they said they returned the money. I called Discover and they opened an investigation case and temporarily retuned XXXX again on XX/XX/XXXX. Then they charged it again to account on XX/XX/XXXX, even the seller said they return he money. I want a explanation on why the problem was never solved?
Consumer complaint received 2018-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (FL)

I have had this company reporting to my credit report since XX/XX/XXXX. I recently began cleaning up my credit and have asked this company twice via certified mail to validate this debt to them. I sent the first certified letter on XX/XX/XXXX, they signed for this letter on XX/XX/XXXX. I sent the second certified letter on XX/XX/XXXX, they signed for this letter on XX/XX/XXXX. To date they have not responded and they have not complied with fcra laws regarding marking the credit report disputed.
Consumer complaint received 2024-06-21
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

Please help me for the company is not helping me. I have been sending the requested documents to Money Network for my claim and they haven't been able to give me an updated for over XXXX days. My card was stolen either from work or the hospital while I was admitted. All the amounts and the dates are listed in the attached letter to the comp at that I emailed and faxed over with no issues. My claim was denied and I immediately appealed this decision. Since XXXX I have called with follow up on all these dates without this company being able to give me any updates. I have sent everything that they requested and they still don't have any updates for me. Someone stole all my money and they are letting them get away with it. I have filed a police report with hopes that the criminal would get discovered. I haven't had any updates from this company and Everytime I call to ask of they received the information that I faxed several times and emailed several they can't even verify if they received the request because Everytime I call for an update they tell me that they don't know if they received the information from me but this is the same fax number and email address that I sent my initial letter to start my claim they are able to confirm that they received that request but my appeal with my police report attached and my hospital paperwork showing the dates i was in the hospital. I have called to confirm if they received the documents over 5 times. I have called XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX and XXXX all just for them to say they have no updates and I can not speak to that department to confirm and they said they don't have a way to speak to that department either that they can only send emails to them asking for updates so I requested that they send an email to the appeals department for an update. This company doesn't care about their customers. I was sick in the hospital and all my money was stolen and I came home to {$3.00} in my account. I couldn't even buy my medicine. Please help me I have tried for over XXXX  months to get this company to give me back my money and I have sent them everything they have asked. I havent heard anything from anyone in this company to this day
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (PR)

I am writing to you regarding a debt that your company, Allied Interstate LLC, is attempting to collect on behalf of XXXX XXXX. The amount in question is {$390.00}, with a date of balance o

f XXXX XXXX, 2020. After careful review, I do not recognize this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am requesting validation of this debt. Please provide all relevant information, including : 1. The name and address of the original creditor. 
2. A copy of the original agreement or contract that shows I agreed to pay the debt, specifically including evidence of my in-person signature. 
3. A complete account history, including any charges and payments made. 
4. Evidence of the identification or identifications presented at the time of account opening or at any point of transaction relevant to this debt. 

According to the FDCPA, specifically 15 U.S.C. 1692g ( b ), collection activities must cease until this debt is validated. If you can not provide the necessary validation, I request that you : 1. Cease all collection activities related to this debt. 
2. Remove this debt from my credit report. 
3. Confirm in writing that you have complied with these requests. 

Please be advised that any further attempts to collect this debt without providing the requested validation may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violating the FDCPA.
Consumer complaint received 2024-06-21
Product: Credit reporting 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 my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I ordered a gift card from American Express in XXXX  ( Order XXXX ) for XXXX dollars. I have been unable to spend it at any store- it is constantly declined both in retail stores and everywhere online.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (MI)

XXXX HAS REINSTATED THIS inaccurate item on my report that has a high credit limit of {$7500.00} this information is in violation of the FCRA and is not 100 % fair or accurate I am requesting the original instrument of indebtedness and demanding that this item be removed from my credit report immediately if this request cant be met. 


Creditor : American First Finance
Consumer complaint received 2024-06-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

In an attempt to trick and deceive the Consumer Financial Protection Bureau, Cash App COPIED AND PASTED their last response for the 2nd time to close out the complaint. Cash App failed to respond to this complaint regarding the dispute of Fraud. To further their lack of integrity, They COPIED AND PASTED their last response that included an explanation of an ERROR that never took place instead of addressing the FRAUD complaint. A lawsuit will be filed if they fail to investigate fraud. Complaints with CFPB will also continue until Cash App is investigated by the FTC for their actions in assisting with FRAUD. I reported FRAUD to Cash App on multiple occasions. Cashapp recently submitted a response to CFPB on XX/XX/XXXX that contained false information. Cashapp stated they investigated the dispute and concluded that no error occurred. However, as you see from the attachments, they never conducted a dispute. Cashapp attached a form that included a portion of the card number used to commit fraud and stated no error occurred. Cashapp has not once contacted the MERCHANT they claimed removed the funds from the account. In this email attached you can clearly see XXXX stating : Although our investigation determined that no error occurred, we may still be able to dispute your claim directly with the merchant. If you would like to open a new claim with additional information for the investigation, you may create a new case using that by following these steps to initiate the process in-app : Once these steps were completed and a request was made for the dispute to be filed with the MERCHANT, they closed the case. Cashapp has continuously lied to the CFPB about this dispute. Not once did they attempt to contact the MERCHANT about fraud. They claim to have investigated the " error ''. Someone stealing money is NOT an " error ''. They do not have a clue. They do not know how to conduct a FRAUD investigation. I have attached the paperwork from Cash App regarding the dispute I filed. They are calling these forms proof that no error occurred. The forms indicate nothing but the card number that was used in the transaction NOT that the charge was authorized. THEY ARE WELL AWARE that the MERCHANT does NOT exist. The only other plausible conclusion that I can think of is that they have stolen my money and created a fake merchant name. There is no other reason why they would fail to complete the dispute directly with the merchant. There is no logical or legal way that Cashapp can investigate a FRAUD related dispute without reaching out to the MERCHANT. I believe they are lying and stealing money.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Holdings, LLC (TX)

According to 15 USC 1692g I never received any communication about this unauthorized collection and according to law it must be removed immediately. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a Checking Account with Capital One. During my tenue with them, I had two cases of unauthorized transactions on the account. I filed fraud cases, and submitted my documentation as requested. They would deposit a " Temporary Credit '' and stop contact until they removed those credits, over drafting the account, and eventually closing. They would state " Lack of information from my part ' even though I would send them screenshots of me sending them the requested information. They then proceeded to stop communication altogether and closed the accounts with a negative balance.
Consumer complaint received 2024-06-20
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

On XX/XX/XXXX, someone hacked into my MoneyNetwork XXXX account and transferred {$7000.00} out of my account and into their XXXX account. I immediately reported fraud claim and MoneyNetwork declined my claim within 1 week, stating that it was authorized by me. This is not true because someone went into my account, changed my original default external checking account to theirs. I filed a second petition after filing a police report and EDD fraud report. I have the name of the criminal and their XXXX account number as well.
Consumer complaint received 2024-06-20
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I was charged for furniture purchases I did not make from Macy's.com. First in XXXX of XXXX. I reported the fraud and was issued a new card. Then there was a charge on the new card for {$2700.00} twice on XX/XX/XXXX. I reported this fraud and only XXXX of the {$2700.00} was credited. I called Macy 's today XXXX XXXX. I was informed that only XXXX of the {$2700.00} charges was credited and that fraud investigation was closed. I informed the call center my balance should be {$0.00} as I have made no purchases. I was informed there is a new charge on XXXX XXXX for {$3600.00} made online. I then opened a new fraud investigation and canceled the credit card since this is the third fraudulent charge made since XX/XX/XXXX. I have no confidence in Macy 's fraud investigation division. 
Tank you, XXXX XXXX
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Florida Financial Management dba Lend A Dollar (TX)

It was stated that no money was going to be taken out my account a check was processed for a non approved amount when I got the loan checks was signed {$130.00} not the amounts for checks presented constantly