davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAVALRY INVESTMENTS, LLC (PA)

XXXX XXXX XXXX. at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX had bought my my debt through Calvery SPV-1 LLC, XXXX, XXXX debt in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) dated XXXX XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( credit card ). This Lawfirm froze my bank account ( XXXX ) until I paid them in full. However the debt was already paid to another Lawfirm at XXXX XXXX XXXX, XXXX. I have a letter from them that was sent to me including my account 's details on XX/XX/XXXX showing the debt was paid in full. 

I had two debt collectors coming for me, I paid one and the other violated my rights by freezing my bank account ( XXXX ) XXXX I paid double for my trouble 's. I wish to recieve the money owed to me that XXXX XXXX XXXX /Calvery SPV-1 stole from me. After I paid them they unfroze my bank account but they refused to send a receipt to the bank or myself. I have kept all records including the city of XXXX allowing my bank to be frozen and proof that the account was already settled paid in full with XXXX XXXX XXXX when they illegally did this to me. This fraudulent bank owes me XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I've noticed that it's accounts that I have no knowledge of on my consumer report as a result this issue is hindering me from obtaining credit account 1 XXXXXXXX XXXX  XXXX account 2 XXXX XXXX these accounts I do not recognize please remove
Consumer complaint received 2020-07-02
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 — Investigation took more than 30 days
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I paid off the mortgage in its entirety on XX/XX/2020. I got a paid off letter from a lender ( Lakeview ) stating that the account has been paid off and closed. 
XXXX  report does not reflect this although the XXXX  's does. 
I disputed the situation with XXXX  and provided them with a copy of the paid off statement. 
In both cases XXXX  found the info about mortgage account as the correct one. It has been already almost 3 months while XXXX  can not obtain the correct information from the lender. I am speechless about their very poor performance and it looks there is no other way than to file this complaint.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (MD)

On XX/XX/XXXX, I purchased a vehicle through XXXX on credit. I was made aware that American Credit Acceptance will be supplying the loan. On XX/XX/XXXX, I got into an accident that led to my car being a total loss. However, American Credit Acceptance decided to label this as a repossession on my credit report. When I spoke to a representative to get a clear understanding of why this was, they told me that it was labeled a repossession because the vehicle was sitting AFTER the accident. This makes no sense since the vehicle was not drivable so there was no way for me to move or use it in anyway. This is extremely unfair because if the accident had never happened, I would still have the vehicle. The insurance company, XXXX, are the ones who towed it away an hour and XXXX minutes from my residence. I was then told that I owed {$4800.00}, and had to pay that off in order to get it removed. So I paid {$2000.00}. On XX/XX/2024 I called to pay another {$2000.00} just for the representative to tell me that I should dispute the repossession, and that it should have never been considered a repossession in the first place. It is clear that American Credit Acceptance does not care as long as they get their money. There is no reason why they should have reported this as a repossession when that is not what happened! Not to mention, they NEVER even sent me a repossession NOTICE like they are supposed to do. This is negatively affecting me financially because now I have to pay over {$6000.00} for a downpayment for a new vehicle. So now my rights are blatantly being violated as this is now considered false and misleading pursuant to 15 USC 1692e. Also, the consumer reporting agencies are not supposed to put anything on my report WITHOUT verifying with me first. This whole practice reeks of unlawful and unethical activities and it is quite concerning that they can put whatever they want on MY report with no consequences.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (CA)

We've put in considerable effort to build our credit, so it's disheartening when companies shift blame to consumers for their mistakes. Recently, we encountered an issue with Fortiva, as they unexpectedly removed auto-pay from our account following the passing of our mother in XX/XX/XXXX. Despite our account not being designated for bill payments from our mother, they claimed they were preparing to close it upon receiving notice. The funds in question came from our bank account, not hers. It turns out that their notification ended up in our spam folder, unbeknownst to us. When we requested the removal of the resulting late payment, they refused, insisting that we were duly informed. It's frustrating to see Fortiva jeopardize someone's credit for just {$49.00} a month, an amount we could easily cover without a second thought. 

Moreover, this incident led to the denial of our request to reinstate auto-pay. It feels like Fortiva expects us to make another mistake just to prove their point about our timeliness. 

This is the email for this month to help find account : Dear XXXX, The payment date for your Fortiva Retail Credit account is approaching. Your payment of {$49.00} is due on XX/XX/XXXX. If you have already made your payment, please disregard this email. 

Click here to make your payment now. You may access your account online anytime by visiting www.myfortiva.com/my-account/. 

XX/XX/XXXX Account ending in : XXXX You may also make a payment by : 1. Calling Fortiva Customer Service 2. *Sending a check or money order to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 3. XXXX Please be sure to include your account number with your payment. 
*Payments will be processed within 7 10 business days. 

Your experience with Fortiva is important to us. If you have any questions or comments, please call our Customer Service team at XXXX Monday through Sunday from XXXXXXXX XXXX. to XXXX XXXX EST ( Eastern Standard Time ). 

Thank you for choosing Fortiva! 

Sincerely, Fortiva Customer Service Please do not reply to this e-mail as we are not able to respond to messages sent to this address. 

The Fortiva Credit Card, Fortiva Retail Credit and Fortiva Personal Loan products are issued by XXXX XXXX XXXX XXXX XXXX, MO. XXXX
Consumer complaint received 2020-07-02
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: Collection Bureau of the Hudson Valley, Inc. (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, XXXX the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2024-02-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (TX)

Dear Avant Credit Card Services, I am writing to bring to your immediate attention an inaccuracy in my credit report concerning my Avant credit card account ending in XXXX. It has come to my notice that the reported balance is incorrect, and it inaccurately reflects a late payment history. I wish to clarify that I have always made my payments on time for this account. 

I respectfully request that you update the records sent to the Consumer Reporting Agencies to reflect all payments as paid on time. Additionally, please adjust the reported balance to show the correct amount, which should be a {$10.00} credit. 

I trust that Avant Credit Card Services will promptly address this discrepancy to ensure the accuracy of my financial records. Thank you for your immediate attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (LA)

On XX/XX/year> I was in an accident that was ruled conclusively by Louisiana XXXX Police to not be my fault even in part. Now when I try to get different insurance quotes from my current provider, XXXX XXXX, XXXX, and others claim I have an at fault accident on that date. The insurance companies involved were XXXX ( mine ), XXXX ( the person at fault ), and XXXX ( another vehicle struck by the at fault party ). I believe the companies quoting and showing at fault are using XXXX/Lexus nexus to obtain this false information. Someone has either provided the wrong info to XXXX  or they have entered it incorrectly at XXXX. I worked with an XXXX XXXX XXXX [ XXXX ] at the Louisiana Department of Insurance and they were unable to find how this is being reported incorrectly ( complaint filing XXXX ). All Insurance companies were contacted by the XXXX  Investigator and all companies say I'm not at fault. Please help get this corrected or I will continue to be overcharged for insurance. I can provide numerous documents and reports to support this. I will attach some and if more is needed please advise.
Consumer complaint received 2024-02-24
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (WA)

XXXX  tried to make withdrawal at my bank XXXX XXXX XXXX  = denied multiple times. 
Called several times and spoke to representatives. 
Was told by US Bank ReliaCard representative that my bank withdrew the funds, then put them back! Absolutely false, My band was denied several times! 
Was told that the monies could be transferred Friday XXXX XXXX XXXX XXXX XXXX XXXX XXXX Went to bank, Denied, spent over 3 hours on phone with US bank ReliaCard representatives XXXX XXXX XXXX XXXX XXXX 
I was hung up on twice, then was told that no such transfer was possible? 
After several attempts, was able to withdraw {$1500.00}. 
Can not touch again till Monday as there is a 24 hour limit. 
My bank is not open on XXXX. 
I have been denied over 23 times for funds when the US bank ReliaCard representative states funds are available.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AZ)

This complaint surrounds " XXXX 's '' in XXXX represented by XXXX of XXXX. I simply asked for a document specifying the date of payoff as XX/XX/2023 in the amount of {$590.00}. 

The aforementioned did comply, but the payoff information is still not updated on my credit report as paid in full. 

I simply want it updated ASAP.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I have tried to get confirmation that my account is set to not advance payment date. There is no way to do it on their website, which is frequently broken. I emailed them and got no reply. I sat on hold multiple times. 

Also it's ridiculous that my account shows as past due for several days when I have autopay turned on. This servicer is so much worse than great lakes who held my loans previously. I am unable to get ahold of them for any reason.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: The CMI Group, Inc. (GA)

I have a general complaint about my credit score. I pay 100 % of my bills on time, I have improved my credit utilization by 20 % and my score only increased 2 points. I have a new collection steaming from a cable bill that it is incorrect and it caused my score to drop 10 points. It is so hard for my score to increase but very easy for it to drop. 
I think debt collectors should have to give you more opportunities to address issues before the report to credit bureaus and create a 7 year stain on your report without hearing your side of the story. 
I fulfilled the billing cycle, scheduled disconnection. Returned equipment and was told I had a {$0.00}, later billed then turned over to collection all in 4 months from service disconnection. The original debt with XXXX is still on their account and also with a collection agency and none of it is accurate
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am aware that Capital One is one such bank who solely depends on local US phone numebrs for customer verification, which means I can not use my credit card overseas. This not the complaint because this is something I am already aware of. 

But right now I am in US. I got the credit card today. And there is problem on the first day. I have a phone number, a local US phone number and I am present in US, and I can not use my phone number to get text codes for cash withdrawal pin set up, because apparently the number is not recognized by Capital One, even though that's the only number you already have on file. If you don't recognize local US phone numbers, what kind of numbers do you guys exactly recognize? Right now I won't get any text codes for verification even when I am purchasing something so it be a XXXX dollar purchase or a XXXX dollar purchase. So how exactly do you expect me to use the credit card, even locally?
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (OK)

I had NetSpend all access account, my stimulus was deposited onto it. had XXXXXXXX XXXX left in my savings I noticed unusual activity where my money was slowly being transferred out I contacted them they said they would fix the issue and no more money would be able to be transferred but slowly it all became empty then they sent me a check closed my account for XXXX $ and I'm still left without all my money
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023 I accidentally made a payment of {$350.00} to my Bank of America credit card account. I did not have a balance due on the card. 
I have been trying to get the {$350.00} back ever since. 
I have called customer service multiple times. They claim they will fix the problem. They say it takes 10 days to rectify. The problem has never been solved. I wait 10 business days and call customer service.they tell my they will take care of the problem. The take my account number and tell me the money will be transferred with in 10 days. It is now XX/XX/XXXX. The problem is not solved and I cant understand why they cant just transfer the money back to the account it came out of
Consumer complaint received 2024-02-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: VEROS CREDIT, LLC. (FL)

I was taken to court for a car loan.it ran 4 months and engine light was XXXX they found fleet in favor of the plaintive. They put a rate of garnishment on my bank account of my savings and checking. Also went into mother account. Co-signer. Only took XXXX. My bank says XXXX. They old keep us worth 4. Trying to call my job, pretending to give me to get direct deposit so they can garnish that. They will not talk to me and being very difficult. 
Lawyers for veros credits and they also sent the first letter of garnishment way after the fact that I got the letter
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (NJ)

Subject : Cease and Desist Letter Regarding Unauthorized Credit Reporting Violation of FCRA and New Jersey Identity Theft Laws Dear PNC BANK, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, as dictated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as New Jersey identity theft laws, particularly New Jersey Statutes Title 2C:21-17.

It has come to my attention that PNC BANK has engaged in unauthorized reporting to my credit report without first obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a fundamental requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Moreover, New Jersey state law, specifically New Jersey Statutes Title 2C:21-17, underscores the severity of unauthorized access and misuse of personal information, particularly in cases of identity theft and fraud. 

I wish to assert unequivocally that I have not provided consent for PNC BANK to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing harm to my creditworthiness and demonstrating a disregard for federal and state laws. 

I demand that PNC BANK immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New Jersey identity theft laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including New Jersey identity theft laws.

It is imperative to understand that obtaining consent is not optional but a legal obligation under the FCRA and New Jersey identity theft laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and detrimental credit reporting practices. 

I expect your immediate attention to this matter and anticipate that PNC BANK will promptly rectify these violations, demonstrating respect for my rights under federal and state laws.
Consumer complaint received 2020-07-01
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: CITIBANK, N.A. (CA)

I have a CITI business credit card, and one of the perks is If you spend {$30000.00} annually, you will receive {$99.00} certificate for a companion ticket. 

I have yet to receive my certificate for the 2018 year. I have been trying to get this resolved for over a year now. I have called in multiple times to CITI and request they resend one out because there excuse was always " we issued it, so were not sure why you aren't receiving it. '' Finally, they said they would re issue a new one, and I never received it. and by the time I followed up, they said that it was to much time that has gone by. One time I called in, they tried telling me that I didn't qualify that year. Attached I have submitted my statement for XXXX clearly showing that I well spent over the Minimum of XXXX annually. 

One of the main reasons I have this card is for this reason/ perk. I travel, a lot for business. You would think because I've been a CITI member for so long and spend so much annually that they would just re issue me one.
Consumer complaint received 2024-02-16
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

on XX/XX/24 kols/capone did a credit inquiry on me I did not apply for credit from them I call them XX/XX/24 becaus I got a credit card in the mail to activate that I never ordered they said there was no account and that they would investgate then XX/XX/24 I get a statement for this sccount that has a ballance of {$200.00} that I never charged and I have never ordered anything from them