davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (PA)

On XX/XX/XXXX, I received a voicemail from a " unidentified '' debt collector but the representative left the name of XXXX XXXX  who told me that I had a payday loan that I did not pay and they were going to file charges in XXXX   County on Monday and the call was to make me aware of that because they were not able to get in contact with me but, that I can call the legal department at XXXX  to discuss the matter with a case # XXXX. They were going to locate me and contact my employer if I did not call back so it was imperative to call immediately.

On XX/XX/XXXX, I called the number back only to be asked for the last four digits of my social to verify that it is actually the person who owns the debt. I was then told that the account was locked and that they needed to get a paralegal to unlock the account because it was going to be filed on Monday so he had to place me on a brief hold. ( Already Suspicious The guy gets back on the phone to ask me if I remembered taking out a loan out with Ace Check Cashing in XX/XX/XXXX and that I failed to pay the balance of {$440.00} and the amount now that will be filed for in court is {$1400.00} if I could not pay the original amount today. I also will be charged with defrauding a business and using a financial institution to do that. I honestly do not remember the loan as I took out a few of them and my account was closed due to fraud ironically but, that if I owed this amount I would want to settle the debt, just in installments because I could not pay the entire amount today. The gentleman asked me about my pay dates and if I had a bond trace that I could secure via credit card or debit card with a visa logo on it.

I agreed and I told him that as soon as he sends me documentation of what I owe and who this is going to then I would be more than happy to set up a payment plan. He told me that they do not do this and that they could only send me a dismissal of debt letter when I have completed the payment. I told him that I can not give out my bank information without knowing where it is going and he told me that he would notate the account with my concerns and why I could not pay and told me " good luck in court ''.

This to me is a scam or something because it is not a legit business practice to ask for financial information and not supply you with who they are. This company needs to be investigated for fraud and I plan on reaching out to Ace Check Cashing because if I owe them money then I want to pay.
Consumer complaint received 2022-06-10
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. (CA)

In accordance with the Fair Credit Reporting Act the following Accounts, have 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 an account without my written instructions. 

15 U.S.C 1681 ( 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. 1681-2 ( 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.

I've been a victim of identity theft and never applied for any of these accounts : Equifax : XXXX XXXX XXXX
Consumer complaint received 2018-04-07
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: CITIBANK, N.A. (NC)

Citi Card has consistently sent emails stating they have returned mail - therefore I have not received a statement timely in 10 months. I have had to call Customer Service to a ) to determine the payment due, and b ) request a copy of the missed statement mailed to me and c ) make a payment by phone for months!. I made a note of the due date when this first occured, so thankfully, I have never made a late payment. I have requested the returned mail from Citi Customer Service to show the postmaster, as all of my other bills arrive without incident. I was refused the returned mail. My address has not changed in 13 years. I contend that Citi Card is not even mailing my statements - hence the refusal of the request for the actual returned mail. It is such a simple matter to mail my statement, a matter Citi can not seem to accomplish. I also wonder if this is a deliberate attempt to cause a late payment - which would result in a greatly increased interest rate as well as late fees. On XX/XX/XXXX I spoke with a supervisor who stated she had rectified the problem - and had removed my email address from the account - I promptly received an email from Citi Card confirming the conversation and a subsequent " returned mail '' notification shortly thereafter. The mystery is I always receive the " returned '' statement copies - but never the current statement. Which is why I do think this is a deliberate ploy by Citi to cause a late payment.
Consumer complaint received 2018-04-07
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature.

XXXX XXXX XXXX XXXX keeps sending documents not requested and a lot of documents not requested in chines writing.

XXXX XXXX XXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I opened a 360 performance savings account on XX/XX/22 with promo code XXXX and deposit $ XXXX within 15 days of account opening and maintain that balance for 90 days, based on the offer I should receive {$1000.00} bonus, but Capital One refused. They claimed that funds maintained within the account 90 calendar days following the 15-day funding period to qualify for the {$1000.00} bonus, but do not mention that if I deposit the funds quicker than 15 days and maintained the funds for 90 days will not get the offer. When I applied for this account, they only put maintain that balance for 90 days and get the bonus in their offer in bold words, and then they cheat their customers and refuse the bonus. I opened accounts in XXXX, XXXX, XXXX XXXX, XXXX and all other reliable banks, they have similiar offer, they let customers enough time to put funds in their accounts ( 15 days or 20 days ), when they provide bonus, they just check if the funds are maintained in their accounts enough time, it is common sense. I can not believe that a large bank like Capital One will play tricks on its cusomers like this, why starting the time after 15 days, not the date I put the required funds into my account? It is cheating, and I can not believe anyone will trust Capital One anymore. I talked to many of my friends about Capital One, and I feel ashamed of letting them to put their money in this unrealiable bank. I insist that I should get what Capital One promised in their offer, not be treated like a fool.
Consumer complaint received 2022-06-10
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a Bank of America credit card that offers cashback in 6 categories with the option to select 1 category for bonus cashback. The cash back % is 1-3 % however based on my relationship balance with BOA I was upgraded to Preferred Rewards Platinum Honors ( highest tier ). This also included a 75 % rewards bonus on credit card purchases made with my Business Advantage Cash Rewards Choice Credit Card. On XX/XX/XXXX I planned to make a large purchase of {$9700.00}. I called customer service a few times that day with questions regarding the purchase and my cashback. After I gathered the information I needed I finally felt comfortable enough to make the purchase. The first thing I needed to do was log on and change my category from gas to business consulting services. This was the first time I changed the category since obtaining the card late XXXX. I logged in and out a couple times that day to make sure I did it right. I proceeded with my purchase. A few days later after the weekend passed the transaction finally posted and on XX/XX/XXXX I noticed the cashback paid was incorrect, reflecting 1.75 % instead of 5.25 %. I immediately selected business consulting service category again on XX/XX/XXXX and it finally changed. It was at that time I realized there was a technical issue on the BOA website that caused the category to not properly update the original date of XX/XX/XXXX. Since this was the first time I had ever changed the category I was unaware that the category change should have reflected instantly the day I originally changed it. I called customer service XX/XX/XXXX and explained my issue in great detail, the female representative assured me everything would be ok and that she just needed to open a simple ticket to correct it. I called in late XXXX to check status of previous ticket, the male representative advised no update yet. He also confirmed my previous ticket and said the prev rep left out that it was an online technical issue but he could not add comments once ticket was submitted. Few days later I received a denial from BOA to my original request. I called XXXX and spoke with XXXX ( supervisor ) who I re explained in great detail the situation. She advised she would submit a new request, apologized for what happened with my purchase especially being a new customer. She even requested that I receive {$150.00} bonus cashback. She also confirmed she could see my several calls and even online logins the day of the purchase XX/XX/XXXX and the system issue did not record my category change properly. A few weeks later, I received another denial without any resolution. Since XX/XX/XXXX was when I changed the category again after realizing my first request on XX/XX/XXXX didnt work, Im consistently being told the category was changed after the purchase which is not the case. The XX/XX/XXXX was only when it finally went through properly after my 2nd attempt.
Consumer complaint received 2021-04-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$520.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX IXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

3. XXXX XXXX XXXX XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00}
Consumer complaint received 2022-06-10
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. (CO)

in accordance with Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2021-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Atlanticus Services Corporation (ME)

I tried to change my username but there is not an option to do that. There are 2 sources of security when it comes to accessing an online banking platform. The username and the password. If your username is on the dark web or has been used to hack into other credit card accounts ( as mine has ) than now your security level has been diminished by 50 % if you are unable to change your username. I then asked to have my online account deleted and was told that was not possible. How is it not possible to deactivate a consumers account? I find this unbelievable and also unsafe. The end result was that I had to close my account to protect my personal information. Because I have closed my account my credit score will be negatively effected. The reporting agency algorithms will read the closed account as negative as though I did it because i couldn't pay my bills. This company should not be allowed to offer online access if they can not provide a secure environment for their customers.
Consumer complaint received 2024-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (NY)

Security Credit Services Subject : Dispute of Collection Account and Request for Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the collection account placed on my consumer report. The collection agency has not provided the necessary validation information required under 12 CFR 1006.34 ( b ) ( 5 ), and yet, the account has been reported to the credit reporting agencies. 
Additionally, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). As such, I believe my consumer rights have been violated.

The collection agency is using false, misleading, misrepresentation, and deceptive means in its efforts to collect this debt, which is a clear violation of my consumer rights. Moreover, the agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures, as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

Given these violations, I am requesting the immediate removal of this collection account from my consumer report. Failure to comply with this request will leave me no choice but to pursue further legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 



Date Opened XX/XX/year> Balance {$3000.00} Please acknowledge receipt of this letter and confirm, in writing, that you will remove the collection account from my consumer report. I expect a response within 30 days from the date of this letter. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Voss & Klein, LLC (CA)

I received a collection letter from Voss and Klein. After disputing a false collection claim in writing and sending it certified mail, the reported debt was sent to collections prior to receiving a response by Voss and Klein. This is obviously a scare tactic intended to prompt you into paying a debt that isn't yours just to make them go away. I posted a negative review of Voss and Klein because they violated the Fair Debt Consumer Protection Act by not responding to my dispute ( sent within 1 week of receiving the letter ) and negatively affecting my credit. I posted a negative review of Voss and Klein as is my right as a consumer dealing with this company. The company retaliated against my business that evening by posting a negative review of my medical practice. The post was made by the CEO of Voss and Klein, XXXX XXXX XXXX from XXXX XXXX, Florida ). Retaliation and unethical malicious attacks on a business is illegal. They are in direct violation of the Fair Debt Consumer Protection Act.
Consumer complaint received 2019-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Earnest Inc. (MN)

okay, so i wanted to consolidate my student loans to get one payment because i have like 6 right now. i researched online and came up with a fairly reputable earnest.com. as i was going through the process, they said they must get access to my bank information, username and password in order to process my loan. since i have searched and found it a legit company on many, many reputable websites i decided i would give it to them and then immediately change my password because this is just not normal. as i went through the process, it seemed more and more off so i decided to stop the process and not do business with them. i emailed the company and asked them to stop trying to access my bank account and to remove all my information. they have not. it has been 4 days since and they are still trying to gain access to my bank account. further, i dont believe they should be able to force me to give them my banking credentials. i figured they just wanted to confirm i had one as most financial services companies do but this is beyond that. they clearly have intentions to continue to monitor me whether i am doing business with them or not ... .and i realize that XXXX XXXX XXXX is running the cfpb right now and probably that coward will appluad their efforts to defraud me but maybe you could do something when that coward is finally removed. there is a lot wrong with earnest.com both signing up and after!
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (OH)

XXXX, XXXX if you are not. This is a confidential message for if you are not you must take up now. Hello. I'm not sure we had put a hold of your matter at your request, and that is a good thing, but it has expired. So you must call XXXX. I will be available today until XXXX XXXX. XXXX. We do need to follow up or unfortunately, the matter will be taken out of our hands to pay online. Go to XXXX XXXX XXXX XXXX, and click on the pay now link bank account number is XXXX.
Consumer complaint received 2018-04-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (NJ)

I received a court statement that I'm being sued by a company that I never had business with. Or know anything about. After I received this letter Docket number XXXX, with old Citibank statement. I immediately called Citibank on XX/XX/XXXX, to find out what was the court letter for. Citibank customer service was not able to talk to me, but transferred my call to this number : XXXX XXXX. I spoke with one of their customer service representative who than informed me that Citibank sold my dept to them on XX/XX/XXXX, at that time I questioned her if that was the case how come I was never informed or received a letter from Citibank or from her company as a debt buyers before until a court order to reply to the company I don't know about. she said they have been calling me. They did called me each time I answer the phone and Identified myself Immediately I was asked to provide my social security number so they know they are talking to me. I always tell them that I can not provide such information on phone especially when the caller called me due to identity theft. After during our conversation I was provided with another phone number to speak with another party : XXXX. I spent so much time asking questions. I was told that they sent letters witch I never receive and phone calls without voice messages to identified who they were. My question is what is my option here? How do I go about this in court. I know I had contract with Citibank not a third party.
Consumer complaint received 2020-12-01
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. (PA)

Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/17 Amount XXXX Fraudulent account unknown person open account i was away on vacation on the time of purchase for this vehicle and two I can not drive because I am XXXX from the XXXX down so there is no way for me to drive any motor vehicle
Consumer complaint received 2019-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have banking relationship with Bank of America since XXXX. On XX/XX/XXXX I checked my checking account online and noted a forged check in amount of {$2600.00} cleared from my account. I immediately contacted my bank and transferred to Check Fraud department and filed a claim. They explained that this may take up to 90 business days to resolve. I called next day and froze my checking account. Same day I received an email with a form to be filled and notarized which I sent back on XX/XX/XXXX via my bank branch in XXXX XXXX. The check fraud department is closed on weekends and nobody could release my existing funds till Monday after. In last 2 weeks I have contacted check fraud department multiple times and found out that the check was negotiated by XXXX XXXX. My bank says since this is involving XXXX XXXX we need to wait for their investigation as well as Bank of America investigation. My bank knowing this was completely a fraud couldn't credit me the funds as they say they need to wait for XXXX XXXX to pay them first and then they can return the funds to me. No contact from the investigators from any of the banks. Just saying we are sorry.