davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

My husband and I took out payday loans with acecasheexpresss.com in person in the XXXX, CA office XXXX. We made payment arrangements because we could not pay the lump sum at the time. Ace Cash Express called us several times a day for over a year and had individuals calling us stating they had legal documents that we needed to sign for and we needed to be at our home or work at certain times to receive thee documents or legal action would be taken, including adverse reporting to our credit reports and felony criminal charges. They also submitted the original check for the full amount of {$300.00} after I had made {$150.00} payment as agreed which caused overdraft fees so Couldn't make the final payments and cause other payments to bounce. 
It is now XXXX and we receive threatening calls almost daily from XXXX XXXX XXXX which claims they have a court case or legal action they want to negotiate for us out of court. They won't give any information about the original debt or give a case number. I know they don't have an actual court case because we have never been served actual court documents stamped by any court. We receive repeated calls from " Process Servers '' that use untraceable voip numbers and refuse to say who they hired them to serve the " legal '' documents or give us information about themselves. 
We have tried to make payments but Ace Cash Express has refused to accept anything but the full amount and continues to threaten legal action, calls us names, uses profanity, and violates Fair Credit Collections Act. We have verbally and in writing asked the, m to to stop contacting us to no avail.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

How to start. There seems to be A problem.it believe it begins with my car being broken into abd my wallet was stolen. Had all my credit cards.and drivers license and social security. They used up all my credit. 
Bring recently released from being XXXX and trying to help my family. I see my credit gone to XXXX and do n't know how to repair. Or report it. Need some help ASAP to prevent this identity theft and fraud
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (DC)

filed a dispute on XX/XX/18 about a charge I was declining because the service was not done. I informed Wells Fargo I did not want to pay the vendor but they will not refund my money. XXXX corporate sent me to another dealership since XXXX would no longer service my vehicle. The 2nd dealership found the problem and repaired it at no cost since the car is under warranty.
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC (WY)

Hello, This collection agency is claiming that I owe {$100.00} for a dispatch service that I've never asked for and requested or agreed on. This dispatch service are showing a dispatch sheet that is made up. I do not agree with it and I believe they don't have any proof of me owing the money to them. The collection agency is saying that the dispatch sheet is a proof but I strongly disagree. I've never worked with the dispatch company.
Consumer complaint received 2019-06-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (TX)

Ditech Financial is trying to collect a debt ( {$8800.00} ) from a mortgage that was a part of a bankruptcy in 1996. The manufactured home was taken back by the mortgage company which was XXXX. They have repeatedly tried to collect a debt that was not owed and now it is affecting my credit. I do not owe this debt.
Consumer complaint received 2019-06-08
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. (FL)

XX/XX/2017 TransUnion the company XXXX XXXX XXXX XXXX issued a hard inquiry on my credit that I did not approve.
Consumer complaint received 2019-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/19, I opened up a Chase College Checking account for myself ( account # XXXX XXXX. I did this partly in order to take advantage of Chases offer of a {$100.00} cash bonus. I submitted the required coupon code, and satisfied the requirements that I enroll in paperless statements and complete 10 qualifying transactions within 60 days from account opening. Chase promised to deposit the {$100.00} bonus into my account within 10 of completing all requirements. I have called Chase and visited their branch offices several times in order to ascertain why Ive not yet received my bonus. They told me that they have no record of a coupon code connected to my account and that without such a code, no bonus can be given. This is grossly unfair!! I submitted the coupon code XXXX XXXX XXXX, and have met all requirements. I believe that I am entitled to this {$100.00} bonus.
Consumer complaint received 2024-03-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Data and Contact Management Solutions, LLC (SC)

never gotten a bill from XXXX XXXX XXXX XXXX on XXXX XXXX XXXX now threaten to take my home if i don't pay the bill the woman is XXXX  had another want the same thing to colloect a debt for XXXX i sent them a copy of the XXXX XXXX and they said they would not procide they would stop tring to collect because she was XXXX
Consumer complaint received 2020-11-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX i was contacted by a scamer. thru his process i made the mistake of opening my account. when i realized this was a scam. i called usaa to freeze my accounts. i needed to stop payment on my accounts. i spoke with XXXX who refused to do that.. instead she wastes time changeing my account security. when she should have froze my accounts first and then changed the security on my accounts. by doing this she bought the scammer time. when she finished with me she did not report the scam. i had to call again to stop payment on my accounts. this got the scammer more time to scam my accounts. if usaa would have co operated with me there would have been a different outcom. i never received a copy of any dod when i opened the savings account. t have had a checking account with this bank since 2015 and never was made aware of any dod.evidence shows XXXX did not follow the proper protocal. i need the XXXX back in my savings account.
Consumer complaint received 2019-06-08
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. (LA)

I have repeatedly disputed a loan account on my credit reports ( Transunion, XXXX and XXXX  ) as fraudulent, because it does not belong to me, since it first appeared. I even set up a fraud alert. Now, this fraudulent account is showing up as a collections account. The credit bureaus refuse to remove this fraudulent account from my reports. Please, help.
Consumer complaint received 2018-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JMD,LLC (CA)

I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION.. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you and provide a detailed, plain and simple list ( not coded ) of any and all services or a line by line itemization report of charges. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. If so please delete from collection. I've had insurance for past 10 yrs. 
Thank You
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX, XX/XX/XXXX, i was in the Capital One app and saw a check deposited for {$5000.00} into my small business account had been reversed. XXXX at Capital One stated the check was fraudulent. Untrue, it was a check written from my husband to cover some XXXX bills. XXXX suggested redepositing the check and seemed unfamiliar with this kind of situation. Thinking this would be quickly resolved, I then deposited a check for {$3000.00} into my personal account, again from my husband 's account, which was accepted. 

Later the same day, Capital One sent an email stating the business account had been closed and a check would be mailed within 7-10 days. I opened the Capital One app and then saw that my personal checking account had been frozen. There was a number given for me to call, and after verifying my information, I was sent to a voicemail which stated to leave my name, account number and telephone number and I would be reached in 48 hours. I repeated the same action today, XX/XX/XXXX, and received the same voicemail. 

I am 4 weeks out of a XXXX XXXX with no access to my funds. Admittedly, the activity on my account has increased in the past several weeks as purchases were made to make my recovery at home as comfortable as possible. But, no call came from Capital One to ask if they were legitimate if they were concerned about fraudulent activity. Needless to say, I am shocked as I've never had issues with Capital One or it's customer service before. But to freeze my account without an explanation doesn't say much about their care and concern for their customers.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

an account was opened by my estranged father XXXX XXXX XXXX dob XXXX ss XXXX i never opened or authorized this account. I dont own a business and a simple search before opening this account they would see that im not an owner or officer, i am a XXXX XXXX who makes XXXX per year, this account was opened wo my authorization knowledge and permission, they know this capitalone, they know that an account that was issued in my name was NEVER used and only the XXXX since that they should know this is fraud, i contacted them several time complained about this fraud and XXXX XXXX XXXX ext XXXX from cap one since he found me responsible which is false, I NEVER OPENED OR USED THIS ACCOUNT i NEVER authorized this business account since i dont even own a business, i filed a fraud report with ic3.gov as instructed by my local police department
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Bright Capital Inc (IL)

To help my credit score, I decided to use a debt-paying service called Bright XXXX on Friday XX/XX/2023. Everything except " Bright '' has been my experience with this company. It has been very dark to say the least. They use very misleading marketing, advertising, and pitches. They loan you {$50.00} upfront and you pay it back in increments of {$10.00} once month. Supposedly by doing that they report your on time payments to credit bureaus. 

Where the fraud comes in at is they lie and say its {$7.00} a month for premium service sounds cool right? NO! ANNUALLY, they charge you {$88.00} for a service you never tangibly receive results from ( a very unexpected/hidden fee ). They also lie and say that with the premium service you get 24/7 real live money experts to answer any questions or concerns you may have, you get a " financial plan '' which is supposed to be tailored to your needs.

These are tailored lies that they hide behind to scam money out of people who are just trying to fix their debt and increase their credit score. I have current screen shots that show I have only received messages from Bots no real person ever. I have yet to be contacted by a real person, I have contacted them on their social media, and by email. Both times the responses were generated I can also assure you that another lie that they mislead people on telling them that some one will respond back to them in 24hrs. There is no customer service at all. Another Lie.

By fraudulently stealing people 's money and making frivolous statements and false promises, this company takes advantage of those in financial need and trying to pay off debt. Irreparably misleading marketing and advertising are the hallmarks of their entire business model.
Consumer complaint received 2019-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

The company placed a debt on my credit report I called to settle debt, ask if they would do a settlement and they told me they would. I asked could I receive the settlement offer in writing they told me a supervisor prepare the letter and they sent the letter once I received the letter. I called them they told me I had to pay the settlement offer in full I could not make payments so I paid the amount which was {$640.00}. They told me it would take a couple of days to process my payment. I waited 3days and called back to see if I could get a paid in full letter, I was told that I had to wait 10 days. After the 10 days I was told I could not receive a paid in full letter because the letter should not have never been sent to me and they could only report that I still owe XXXX. I did what was required of me know the company is reporting on my credit file that I still owe this debt. I have provided proof to the credit bureaus but they believe the company. The company says I still owe them. This is not professional. Unethical.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc. (NJ)

This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such inquiries and also other document so I XXXX review to see if those inquiries actually belongs to me
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an inquiries that belongs to me
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Risecredit, LLC (SC)

Under the FTC, and privacy act I have to a right to opt out of creditworthiness or other personal characteristics that is being shared. If any company shares credit score or details about a purchase. I have a right to say no about sharing. This is a defamation to my character.
Consumer complaint received 2024-03-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I submitted a complaint on XX/XX/2024 about a late fee assesses with a Victoria Secret credit card. You resolved the issue by state g they would drop the late fee. Today I received a bill from them with the late fee plus an additional {$7.00} charge. My complaint number was XXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Savings Group, Inc. (FL)

My credit was pulled by a company called Rate Genius and a loan was attempted through a bank called XXXX XXXX XXXX. This was done on XX/XX/2022, by someone not authorized by me to do this. I have received another text today from someone named XXXX XXXX, claiming to be my loan officer. I texted back to never text me again and to never pull my credit ever. I then blocked the number and deleted my profile from XXXX XXXX. The text mentioned that XXXX XXXX was where the loan request originated. I have no knowledge of any of how any of these companies received a request.
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FinCo Services Inc DBA Current (TN)

I filed a dispute in XXXX with Current debit customer service after my account was hacked and my money was stolen out my account and used digitally at a XXXX in Florida and I am not in Florida I am in Tennessee. Over $ XXXX was used for a fraudulent purchase I did not make, after I reached out to Current Customer Service. I had a dispute opened and was to be settled because they have location on my phone, so I did not make the purchases. And after I thought it was settled because my money was returned. Now as I of today my account back in the negative and to my knowledge it was settled until I checked my account today. I am tired of them stealing my money because our accounts should be more secured but its obviously not. I just want my money all back and I will be discontinuing using Current again.
Consumer complaint received 2017-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

The account I 'm discussing was in my XXXX husband 's name with my card as an additional member for a Citibank XXXX membership. In XXXX I did not receive a statement, and knowing I had a balance I called Citibank to obtain the amount of the balance. I advised Citibank that my husband was XXXX. 

The XXXX membership was to be renewed in XXXX so I had continued to use my card, knowing that at renewal, I would have to change to my name. 

The person I spoke to at Citibank on XX/XX/XXXXXXXX XXXX XXXX told me that he would immediately close the account and gave me the information to mail the balance which was not due untilXX/XX/XXXX 

On XXXX XXXX at XXXX XXXX I received a call on my house phone from a company called XXXX XXXX. I did not respond. On XXXX XXXX I received a call on my cell phone from the same company. I XXXX the company and read of many complaints of harassment, especially by XXXX and with connections to Citibank. 

I received a letter from XXXX XXXX dated XXXX XXXX requesting confirmation of the person responsible for my XXXX husband 's estate. 

XXXX XXXX, I called a number which had been given me by the representative at Citibank for " XXXX  Recovery unit ''. One of the prompts at that number ( XXXX ) offers XXXX XXXX. 

I contacted Citibank customer service XXXX to ask if my husband 's account had been turned over to a collection agency and to say that I suspected fraud, the representative transferred me to XXXX XXXX. I spoke to XXXX and offered the reference # on the XXXX XXXX letter. I was advised the call was being recorded. I was asked for dates of birth and XXXX of my husband. I asked the reason I was being contacted and she advised she could not tell me! She did finally confirm the account was Citibank. I explained it seemed like a scam and I would be reporting the contacts to government agencies. She said she would remove my phone numbers and ended the call. 

The balance has been paid on the Citibank account, but the harassment should be acknowledged.
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

HELVEY & ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX Helvy and Associates reported to my credit during the investigation of the disputed debt. When I asked the representative why the debt was reported during an investigation, I was not given a response. 

The company also failed to notify me of the initial debt. I only found out through looking at my credit report since we moved to a new address. 

I called the company multiple times to speak to someone about why my credit was hit during the investigation time frame and was disconnected multiple times. 

I believe this company is extremely aggressive in reporting to the credit bureaus before receiving all the facts.
Consumer complaint received 2018-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IN)

Hunter Warfield has stated that I owe an amount of XXXX for an apartment that was leased. I have reached out to them and disputed the charge several times. This charge is on my credit report and rental history. Hunter Warfield has sent me a copy of a lease however there is not 1 signature that verifies that I signed a lease. ANYONE could have generated a lease and filled it in with numbers but there is not one initial or signature from myself or my spouse. I am requesting this charge to be removed immediately. On my previous claim with CFPB, Hunter Warfield also sent a copy of the lease with no signatures. Please verify that I signed this lease or remove it from my rental history as eviction and remove from my credit report.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (NJ)

on XXXX my XXXX XXXX american express was taken it was taken out of my wallet along with other bank cards and my XXXX XXXX credit card my cards where taken to a XXXX XXXX at XXXX XXXX, XXXX XXXX  NY XXXX at about XXXX XXXX and used to purchase {$310.00} of stuff and also at XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX {$28.00} was used for food all the cards where used but some cards had better security than others and i was able to get the money back from the companies and vendors it was a pretty easy case to solve it was clear cut fraud but for some reason my XXXX american express card will not do anything they will not refund my money that is why i am asking for help