davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alum Financial, LLC (NJ)

Victim Location XXXX Type of a scam Government Agency Imposter FRAUD NEVERRRR do business they will convince you in all these good long term benefits that arent true.. I received emails and phone calls from multiple people in this office stating that they are company through the Department of education and I may qualify for a Loan forgiveness program well long story short I received multiple emails from fed loan servicing stating that I have suspicious activity on my account that It looks like you are going through a 3rd party company that will over charge you fees when you can go on our website and do it free. I called XXXX XXXX XXXX where my student loans were through at the time i told them exactly what happened they told me that this company is not affiliated with the US department of Education the rep i spoke to told me to dispute all charges with this company that my bill with them is not due until XX/XX/2022 and that i should not be paying a 3rd party company I disputed all charges with my bank.. So when i called called Alum XXXX told me that fed loan is lying!! XXXX is trying to convince me that is I pay them {$150.00} a month for 5 months my interest rate with my student loan I wouldn't have to pay back at the end that i only have to pay the actual loan. I asked rep where is my money going are they going towards my shes states the money goes to the services what were rendered to you that it does not go towards my student loans. I told them I want to cancel my policy because the information your telling isn not making any sense to me after our phone call I received several emails stating if I cancel that i would have to pay {$1200.00} upfront and if I dont pay that they will damage my credit and garnish my wages. SO I called XXXX XXXX XXXX  back telling this information they are investigating this i have case numbers and people who I spoke to. My concern is that these people have my personal information which I did not get any of that over the phone they had all my information before they emailed me. I have all proof also when you look up this company on XXXX it states that this site may be HACKED!! Everything about them is MISLEADING and trying to steal your money.. I dont want nothing to with them and I dont want them ruining my credit..
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have sent all three bureaus a certified letter asking them for verification for the items placed on my report. To this date I have not received verification of debt. Here are the items : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

There is over {$3000.00} in debt that the company says I owe. Ive called several times to get debt verification and also an itemized list of dates of service with billed amounts. This company has failed to send me anything. Ive made several payments but there are dates Ive been billed for when I had insurance. I was advised by the company to reach out to my insurance to file a claim but I can not file a claim without the exact date of service and billed amount. This has hindered me for years and I just want to provide the necessary information they need to delete these bills. If Im not making a payment, theyre not very helpful at all.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GreenSky, LLC (SC)

In XXXX of 2020 I called XXXX XXXX XXXX because I have a critter in my attic. They came and tried to get rid of it. They were here a few times. Still critter is up there. They said that they can XXXX all the insulation out and I could get new rodent deterent insulation to go in. So I signed the paper work and they financed it through Green sky. On the fourth visit they said that the truck was on its way but it broke down on the road. I told them that they are not going to put in any insulation till they do what they were hired to do and that was get rid of the critter. The manager came over and went up in the attic and said he didn't see anything, but yet it is still up there. I asked him to refund Greensky since they already got the {$5000.00}, because I was not letting the insulate anything since they did not do the job they were hired to do. He said he was not going to refund their money and I needed to let them come put the insulation in. I told him they did not do what they were supposed to do. I went up in the attic and all I saw was them getting ready for the insulation and a smashed A/C duct that went to my A/C. I had that repaired at {$600.00} but they never refunded Greensky and my credit keeps going down and down. 

Mind you this was in XXXX and since then I have sent back all bills to Greensky. On my credit report it says I made a few payments, which I did not, and I had a few disputes started with them to no avail. Then I get a letter from Greensky stating that my account is paid in full and thanks for using them bla bla bla, and they are sending me bills and calling my home every week. Services were not rendered and they are killing my and my husbands credit. I also lodged a complaint with the XXXX and Federal Trade Commission.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

Due to Citibank 's unwillingness and inability to address the issue of defective purchase from XX/XX/2018 I closed the credit card account. 
I was told at the closing time that I have 60 days to redeem the thank you network rewards   points in the amount of upto XXXX. 
Today I attempted to redeem the points for a hotel stay and found out that my thank you network access has been blocked making me unable to access and use my points. 
I was given an alternative to use the live operator for hotel booking however this is neither practical as there is absolutely no transparency on how the hotel booking categories are used or what is available at what time not to mention possibility of the overcharge for the hotel stay with the rate I can not see. 

I expect the Citibank to honor its obligation of giving me a 60 days to use up my points and in order to do so I expect the Citibank to restore access to my thank you point using the existing ID and password. 

Alternatively if the Citibank fails to do so I expect the refund of my points at the scale of {$100.00} XXXX points and not any other conversion rate. The rate is standard in the industry and I have redeemed the points in the past for the same amount.
Consumer complaint received 2022-11-12
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. (MA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C. section 602 A. States I have a right to privacy. 15 U.S.C. section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without any written instructions. 15 U.S. Code 1692c states : 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.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I moved to my current address. Cap One notified me that they had received my change of address from the Post office. My sister called in to verify that ( they requested further verification ) and they stated that they needed a photocopy of my drivers license, front and back emailed to them. I called and asked why they needed that information as I had had an account with them for years, never missed a payment, could answer any number of questions, my mother 's maiden name, my favorite singer, etc. I had moved several times while I had had their car and this info had never been requested before. I was told it was to insure the security of my acct., but the rep could not explain how. So, we got a copy front and back and sent it in, email. They emailed back that the back of the license was not clear enough. I called again and told them the many problems my sister and I were having and still I did not see why they needed this info. Bottom line, they will not mail their bills to my current address unless they get a clear photo of the back of my license. I neglected to mention that we did send another photo of the back and that was not acceptable either. I think this is some odd effort to get rid of people who have their credit card but pay off their charges in full every month. Only thing I can think of -- but would like to know if this is legal? Can they demand any odd or unusual information and try to coerce you into responding. I plan to close this acct., but if I am going to run into this again I would at least like to know if it is legal. Thank you
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC. (PA)

Back in XXXX I purchased a ring with a Kay 's credit card. I had just gotten out of the military and went through hard times and did not pay the payments. It went into collections but was later closed. It has been years and we have heard NOTHING from kay jewelerXXXX. In the meantime I had purchased a vehicle and home with no issues and no remarks of portfolio recovery. Today, XX/XX/XXXX I received a letter for notice of bank levy in the amount of XXXX. Stating their other attempts have failed and they will garnish my AND spouse bank account ( we werent married at that time ). This was from XXXX and it was never for that amount that they're asking. We have received no other correspondence.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (KS)

My Shop Your Way Card was charged over {$200.00} that was a fraud. It was charged to XXXX which we have for tv, internet and home phone. I called XXXX  and they had no such charges as they go directly to our bank for the service we have from them. Shop Your Way will not check which XXXX ; they said they never call third parties. This has been going on for six months. First date was XXXX XXXX, for {$100.00} and second charge of {$170.00}. I have called Shop Your Way numerous times and have written to them and sent my XXXX bill, so they cans how XXXX goes to our bank directly ( no credit card is used ).
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (IL)

I found out about a judgment filed against me on this old credit card debt from XXXX that was purchased by Cavalry SPV LLC. I called Cavalry and they told me to call XXXX XXXX XXXXXXXX, debt collection lawfirm that has case. I called there - he told me my debt was increasing at a 9 % rate - I don't know if it is daily, or what. A {$10000.00}. debt I couldn't pay is now {$16000.00}. I told them I could not pay. How much to settle? He said Cavalry authorized {$12000.00}. Still insane. I called Cavalry and she kept saying they could not help me. I said the lawfirm said Cavalry set the settlement amount. When I said it was up to Cavalry she finally agreed to give me to Legal at Cavalry. There was no answer from either Legal number. I called another day and still no answer. 
On XX/XX/XXXX I sent a letter to Cavalry SPV and a copy of that to XXXXXXXX XXXX XXXXXXXX. I want the judgment released and the item cleared on my credit report. 
I assume Cavalry bought the bad debt from XXXX for about {$.00} on the dollar, equaling {$1000.00}. I also received many harassing phone calls over the last few months, needing to block a number - 6-8 calls per day, sometimes within the same hour. I am waiting for a partial record of those calls from XXXX.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1618 Section 602 A states that I have the rights to Privacy.

15 U.S.C. 1681 604 A states a Consumer Reporting Agency can not furnish an account without my written Instruction / consent.

15 U.S.C. 1681 ( 9 ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information other than Records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 2021-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made several attempts with XXXX XXXX, and Transunion to have Identity theft accounts that are on my credit report fraudulently. i have filed a police report i have contacted creditors in order to get this rectified with no action.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (VA)

I opened a online account with Ally Bank. My brother in life was helping me get through financial hard times so he set up a XXXX a week direct deposit from his payroll. He also XXXX money into the account. I gave him online access to my account. After 8 weeks of direct deposits Ally froze my account and failed to give me access to my money. Now over XXXX. I've talked with many people at Ally Bank that continues to lie. They told me 8 times they would send me my money. They have not. They know there is no criminal activity yet are holding my money hostage.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C. section 602 A. States I have a right to privacy. 15 U.S.C. section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without any written instructions. 15 U.S. Code 1692c states : 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.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to bring to your attention several legal statutes and regulations relevant to my accounts with Capital One. As a responsible consumer and account holder, it is imperative that I ensure compliance with applicable laws and regulations governing financial transactions and consumer protection. 

Firstly, I wish to address the provisions outlined in 15 USC 6506, which pertains to consumer privacy and the safeguarding of personal information. I would like to exercise my rights under 15 USC 6802 to opt out of certain information sharing practices, as provided by law.

Furthermore, I seek clarification regarding the Electronic Fund Transfer Act, as codified in 15 USC 1693, to ensure that all electronic transactions associated with my accounts are conducted in accordance with federal law.

Additionally, I have concerns regarding purchase money advances and potential violations of 15 USC 1666, which governs fair credit billing practices. Any discrepancies in this regard must be promptly addressed and rectified.

Moreover, I have reason to believe that there may have been instances of securities fraud, as prohibited by 16 CFR 328.6, associated with my accounts referenced under account numbers # XXXX and # XXXX. I urge Capital One to conduct a thorough investigation into these matters and take appropriate action to safeguard my interests. 

Furthermore, I request a comprehensive review of my CreditWise report, identified by ID XXXX, in accordance with the provisions of 12 USC 1411 and 15 USC 1611, to ensure accuracy and compliance with federal credit reporting laws. 

I trust that Capital One will take prompt and effective measures to address these concerns and provide me with a satisfactory resolution. Please acknowledge receipt of this letter and provide a timeline for resolving the issues raised herein.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission that was notarized. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with or their affiliates west the are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. Now they sent me another letter saying for me to send in and dispute it in 30 day when i have proof i already did. let this complain service as proof in court that i tired multiple times to resolve this fraud
Consumer complaint received 2024-04-15
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

The vehicle was totaled and was supposed to be paid off by XXXX insurance. They failed to do so, and I have filed dispute after dispute. Even explained the circumstances to them and I still can't get it removed.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.