davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

On XX/XX/XXXX I wrote Assetcare plc certified mail about validating a debt they claim I owe and never responded within the 30 day period. The amount they claim I owe is {$840.00}. The account number is XXXX.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NV)

I have been receiving calls from Sunrise Credit Services, phone number XXXX. When I called, I spoke to XXXX XXXX who advised me that I had a balance due with XXXX XXXX XXXX. When I advised that I never had an account, she told me that it was a case of identity theft and that I needed to email or fax a copy of my photo id, social security card, and two forms of residency to XXXX or XXXX, and reference the account number she provided me, which was XXXX along with my phone number. I was advised that services were activated from XXXX - XX/XX/2021 at XXXX XXXX in the XXXX, NY. When I reached out to XXXX ( XXXX XXXX ) directly, they confirmed that neither myself or my wife have ever had an account opened in our name. They also couldn't verify the contact information for " Sunrise Credit Services. '' I think they are running a scam to get people to send their proprietary information to them so they can perform the identity theft. When I called back to " Sunrise Credit Services '' at XXXX multiple times and refused to give personal information and ask additional questions, I was hung up on by multiple representatives. Please look into this as the activity seems to be fraudulent and I would like to help protect other innocent people from being the victims of identity theft.
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (FL)

I received a letter regarding that a debt was assigned to another company. I never had a debt with neither of the companies. The letter has missing the disclaimer that I have 30 days to dispute debt. I have not contacted company out of fear that it might be fraud or a scam.
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Carvana Group, LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX VIN # XXXX - Carvana Stock # XXXX delivered XX/XX/2021 within 12 hours or XXXX EST a 12inch engine oil puddle has appeared under the vehicle and continues dripping oil. I crawl under for a closer look and discover damage to radiator, front end body panels, paint oversprays and masking tape residue in several sections. Local foreign auto shop replaces engine oil, filter and drain plug w/ gasket as both are necessary. Within the hour the oil leak has returned. Coupled with the obvious front end damage and botched paint job the auto shop specialist opined a potentially serious and costly problem with this vehicle. 

By this time on XX/XX/2021 Carvana has already reached into my XXXX account via the XXXX financial app and removed the {$24000.00}. This action was not authorized by me and contradicts several employee 's testimony and quoted text available at the Carvana website about dispersal of funds. ( see text below ) " What does Carvana use XXXX for? Carvana uses XXXX as a method of funds verification, income verification, employment verification, and address verification. The XXXX connection is encrypted and secure. Connecting a financial institution via XXXX does NOT give Carvana ( or anyone else ) access to your accounts. You are always in control and can manage Carvana 's XXXX connection on our website or the XXXX XXXX '' I attempted to move on with an alternate vehicle and realized Carvana doesn't deserve my trust or business and attempted to sever ties and collect the amount Caravana removed from my account. Today XX/XX/2021 is day 8 of multiple failed attempts to schedule a pickup date/time for the XXXX XXXX and any acknowledgement of refunding the {$24000.00} owed back to me. Now needed for payment of the alternate vehicle I'm moving forward with and Carvana has tied up funding. I'm embarrassed for allowing such a pitiful business model to lure me into this no-win scenario process. Carvana has taken over 14 days of personal and professional time away from me, my family and clients.
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (FL)

I believe the account with CREDIT COLLECTION SERVICES might be questionable. CREDIT COLLECTION SERVICES must verify through a legally binding statement that the claim is valid and devoid of any breaches of agreement, lack of consideration, or significant alterations, ensuring that the original lender received fair value. Additionally, they must confirm that the transfer of the alleged account was conducted in good faith with the consent of all parties involved. If XXXX XXXX XXXX can not furnish this sworn statement, I insist on the removal of the account from both my credit record and their records. CREDIT COLL XXXX
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my account due to suspected fraud activity that's the only thing that is in my XXXX report but everything is paid in full I don't owe them anything at all so I don't understand why am I on XXXX I would like to please dispute this it's stopping me from opening another account.
Consumer complaint received 2021-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (WA)

{$170.00} Opened XX/XX/2017 Repeated attempts to ask for proof of debt and company will not comply. say they will provide the information and they do not follow up. They use terms such as " if and when '' find verification we will send it to you. The law states that they have to provide proof not " if and when ''
Consumer complaint received 2021-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (UT)

No one at Direct Recovery Services wants to talk to me. Attached is a screenshot from this morning showing my attempts to reach them at the number they provided : ( XXXX ) XXXX. I even tried the number on the XXXX XXXX  website : ( XXXX ) XXXX but that goes to a VM that is full and can not accept any messages. After speaking with multiple DRS representatives today, XX/XX/XXXX, they seem to have blocked my number and do not wish to speak to me to resolve this matter. According to DRS, I have medical bills in collections which I owe yet they have failed to validate the debt. I have not received any written validation letters from DRS as of today ( mail nor email ). My initial contact with DRS was XX/XX/XXXX. That same day, I received an email opt-in ( which is attached here ) but no debt validation letter. Since they were able to send the opt-in email, I know they have the correct email address and that their domain ( directrecovery.org ) does not go to junk/spam on my end. Today, a DRS representative claimed that a validation of debt letter was sent via mail, then she quickly changed her story and said no letters have been mailed but they sent the validation notice via email. She did not say the date or time that the email was sent and would not provide any info. She did not even offer to send it again. I checked spam folders and have yet to receive any written correspondence from DRS other than the attached email. The burden of proof is on DRS to show me, the courts, and the CFPB that they did, in fact, send me a validation of debt letter via email within 5 days according to FDCPA. Because they have failed to validate such debt in a timely matter and now they won't even speak with me to resolve anything, I believe Direct Recovery Services LLC has violated the Fair Debt Collection Practices Act.
Consumer complaint received 2022-05-20
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. (MS)

FCRA violations : inquires not mine XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Account charged off.
Consumer complaint received 2022-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (VA)

I graduated from college in 1993. I have consolidated these XXXX student loans beginning with XXXX XXXX. Since that time, there have been over five different companies that have taken over and restarted the principal interest, which made that {$10000.00} loan expand to what is now nearly {$16000.00}. I do not understand why after 25 years, borrowers are still expected to pay for the poor choices of companies passing this predatory activity from one to the next and the government allows this behavior. I am making monthly payments through American Education Services ( AES ) but again, that from was XXXX, and from XXXX, and from others passed through as though I've never paid anything, Can you please help to inquire and to speak for XXXX  loan borrowers who do not get any help with this?
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (MS)

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX, MS XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, MS XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, MS XXXX FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Account charged off.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 USC 1681. 



XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

XX/XX/21 Wells Fargo allowed a fraudulent Checking and Savings account to be opened online, with my name and SS # and address... the Driver License # was wrong and the issue/expire dates were left blank ... no other info except an email and phone # that was not mine. 
XX/XX/21 I received paperwork welcoming me for opening accounts with Wells Fargo ( I have never had an acct with them ). Same day I go into bank to inform them of the fraud, the bank employee told me on XX/XX/21 two Pennsylvania Unemployment Checks were deposited and immediately withdrawn ( names on checks XXXX XXXX and XXXX XXXX ). Both accounts having a current XXXX balance. I had all my ID proof, DL, SS card, Passport, Birth Cert. ( they only looked at DL ) I asked that they close the accounts. They said they don't do that, it must go through fraud dept then put me on the phone with a guy in the fraud dept. He said he 'froze ' the accts, nothing will be able to go in or out. I asked that he close the accts, he said not until their research is done. 
XX/XX/21 I received a document stating the 'Complaint Resolution ' which states the accounts are STILL open. I ended up putting a credit freeze with all 3 bureaus.
Consumer complaint received 2024-03-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CHERRY TECHNOLOGIES INC. (NY)

On XX/XX/XXXX I received financing for a surgical procedure in the amount of {$10000.00}. The receipt I received via email stated your " XXXX XXXX XXXX XXXX XXXX XXXX is confirmed '' Your contract reference is XXXX. Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Loan Servicer : Cherry Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX. I made my first payment of {$260.00} on XX/XX/24 before I saw the surgeon. Once I saw the surgeon he declined to do the procedure. The surgeon is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number : XXXX. The procedure did not take place and I notified the servicing company in writing that I would not need the loan and to please cancel it. I did this immediately, the very next day. They responded to me in writing via email and stated " to request a refund, please contact the practice where you used Cherry to make a purchase. We defer to the refund policies put in place by our partner practices and can not initiate a refund without their approval ''. This is insane to me because I didn't have the surgery. The practice didn't take out the loan, I did. I feel as if they should have verified that the procedure was cancelled and then cancel the loan asap. The next payment is due to come out of my account on XX/XX/XXXX. This means I will be paying for a loan on a surgery that I never had. I want this loan canceled immediately and my money refunded.
Consumer complaint received 2022-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX  a XXXX # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681s section 604 A Section 2 : its also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for ant purpose.
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP (FL)

We made two ACH transfers to a payee with KeyCorp/KeyBank accounts -- {$1900.00} authorized on XX/XX/2021 and {$1000.00} authorized on XX/XX/2021. Unfortunately, we subsequently learned the payee had provided an incorrect account number and never received the transfers. We, our bank, the ACH provider, and the payee were all assured that the funds would be returned to our account in three business days since the account number and name did not match. However, this was never done and KeyBank subsequently refused to return our funds to us. This, in our view, is fraudulent retention of our funds. 

I submitted a Certified Letter ( copy attached ) to XXXX XXXX, XXXX, Chairman, and President of KeyCorp/KeyBank outlining the problem and demanding that our funds be returned to us. Three weeks later I have yet to receive even the courtesy of a response to my letter. 

It has now been eight weeks and we have yet to receive a refund of our funds. This is nothing short of unacceptable and intolerant and a fraudulent retention of our funds.
Consumer complaint received 2019-11-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

My savings account was frozen on the XXXX of XXXX by citibank after I made several withdrawalls. They said it was being closed and investigated for fraud. I have never received a reason why and I have called the company dozens of times.XXXX  is frozen and they keep extending their date when they say investigation will be completed. I lost my apt due to inability to access these funds. the company refuses to give me a reason or send me the balance of my account. I need my money sent to me immediately
Consumer complaint received 2023-02-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-05-20
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. (SC)

I have submitted several dispute with experian, XXXX and XXXX for a medical bill reporting on my credit report, and also my mortgage company XXXX  - XXXX  reporting inaccurate missed payments. I have attached the results of the dispute of the medical record reporting on my credit report. The item still hasn't been removed, it was added to my report a second time after the dispute with a new open date of XX/XX/XXXX. My credit score has dropped significantly due to the bill reporting on my credit report. I have shown proof that the bill was to be paid by workers compensation settlement in 2019. I have also submitted a dispute against my mortgage company for reporting inaccurate missed payments. I submitted proof that the payments were mad on time. Some of the missed payments were corrected, then added back to my credit report.
Consumer complaint received 2018-09-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I opened an account with Huntington Bank online, because they offered a generous bonus for account opening.

Their web site does not allow electronic transfers from an outside account, although there is a link for it. I tried several times over a period of a week or so, but it never worked.

I phoned the bank and the rep said that that function hasn't been working for a long time. She seemed very inexperienced and I felt uncomfortable and I told her to close my account.

I recently received a bank statement in the mail which showed that the account was still open.

CFPB should investigate this bank. I suspect a scam because : - Generous account opening bonus shows a desperate need for quick funds - Customer service rep didn't seem to know what she was talking about - Web site did not work for one of the most basic and necessary functions ( transfer funds ) - They did not close my account as I requested
Consumer complaint received 2018-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (OH)

L J Ross Associates is trying to collect {$3000.00} that they claim I owe XXXX XXXX. As Ive already told XXXX XXXX umpteen times, the withdrawals from my checking account that make up this balance were not made by me! They are fraudulent transactions. I do NOT owe this money and Im not giving XXXX or this debt collection company XXXX XXXX!
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (MD)

I called the JP Morgan bank and the regular staff have no information on my account - at all, and the same amount that I won in the dispute -the {$630.00} is put on the recording as I owe it, or it becomes a credit. Something different everyday-this bank has been stealing funds from me ever since 2017 and I asked them to refund the payments, and then the recording stated that I had XXXX in credits. That is about right, so recording or not I would like the XXXX refunded to asap. I do believe that FEMA is in on the crime, because I was telling my boss about it and then my I phone went out -that FEMA gave me. I request that JP Morgan give me my XXXX and then they can close my account.