davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I am writing to file a formal complaint against [ LVNV FUNDING LLC ] for their unlawful and unethical debt collection practices, which have violated several provisions of the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to resolve this matter amicably, [ LVNV FUNDING LLC ] has persistently ignored my rights as a consumer and engaged in deceitful and misleading behavior. 
First and foremost, [ LVNV FUNDING LLC ] has failed to provide proper validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-S 2 ( 7 ) ( A ). I have repeatedly requested validation of the alleged debt, including any purchase agreement or forward flow agreement, but have received no satisfactory response. Without such documentation, I am unable to verify the legitimacy of the debt being pursued. 
Moreover, [ LVNV FUNDING LLC ] has engaged in false, misleading, and deceptive practices, as outlined in 15 USC 1681-S 2 ( 7 ) ( A ). Their actions have not only damaged my financial standing but have also caused significant defamation of my character. Despite my repeated requests for clarification and dispute of the debt, [ LVNV FUNDING LLC ] has failed to provide me with the opportunity to challenge the validity of the alleged debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furthermore, I would like to emphasize that I do not have any contractual agreement with [ LVNV FUNDING LLC ] that would justify their pursuit of this debt. As such, their continued efforts to collect without providing proper validation information are both unlawful and unwarranted. Additionally, [ LVNV FUNDING LLC ] has unlawfully furnished information about this disputed account to consumer reporting agencies without providing the necessary disclosures, further violating federal law. 
Considering the above violations, I urge the Consumer Financial Protection Bureau to thoroughly investigate [ LVNV FUNDING LLC ] 's actions and take appropriate enforcement action. I request that [ LVNV FUNDING LLC ] be held accountable for their unlawful debt collection practices and that all negative information related to this disputed debt be promptly removed from my credit report. 
Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to ensure that consumers are protected from abusive debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whoever may be able to help : My husband, XXXX XXXX, and I ( XXXX XXXX ), found a high interest savings account online in XX/XX/XXXX with Capital One. We called and spoke to a representative who told us the 360 Money Market Savings account is what we wanted. He said the interest would vary based on the market but was the highest available. It's an online account. 
I sign in and look at it from time to time. The sign in screen gives me the balance and recent interest and transactions, not the interest rate. I didn't think I had a reason to look at the statements. I also occasionally XXXX high interest savings accounts. Capital One is usually one that comes up and their interest is pretty close to the highest so I have never switched it. 

In XX/XX/XXXX, I computing the interest myself and then realized we were not getting anywhere near the 4.35 % that shows on their website as the high interest savings. I called and found it hard to believe what I was being told which was : We don't have the high interest savings account that we had opened in XXXX. 
For some ( unexplainable ) reason Capital One invented a new high interest savings account Called Capital One 360 Performance Savings The saving account I opened is the Capital One 360 Money Market account and no longer shows up on their website. They left me, along with who knows how many others, in the Capital One 360 MM Savings account. They discontinued paying the high interest on that account and started paying the higher interest on their new product. We werent notified of the change. The names are so similar, I just assumed the only high interest savings account shown on their website, was the one I had. 
We have had between {$40000.00} and {$70000.00} in this account. It is our emergency fund. 
In XXXX we lost {$2000.00} in interest. Im unable to compute the loss from XXXX. 

So far, COF representatives have offered no solution other than to open the 360 Performance Savings and transfer my money to it. They seem to think I should verify regularly what I was told when I opened the High Interest Savings Account to make sure they did not make this change. They have told me that I could have looked up their rates online at any time and that my statements have the interest rate on them. I have told them it never occurred to me that a bank their size would put something like that over on their customers. I no longer want to bank with them, which is an easy fix. I ALSO WANT ALL THE PEOPLE STILL IN WHAT THEY THINK IS THE HIGH INTEREST SAVINGS TO KNOW IT IS NOT. 
Now tell me, why would Capital One create a new high interest saving account with all the same rules as the one I opened, name it very similarly, and not show the old account as an option on their website unless they wanted to deceive us and save themselves some money? 
Its disgusting banks are allowed to do this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (NY)

On XX/XX/2024 at XXXX, I received a phone call from a XXXX XXXX XXXX XXXX stating 'I am contacting you in an attempt to confirm location information on a XXXX XXXX XXXX If you could be of any assistance, please contact my office at XXXX '. The woman never stated from what company she was calling about or what it was in reference to. 

Later that same day, I returned the call and left her a voice message stating, XXXX received a call from this number and that the voice message she left me was suspicious and there was no one by that name, at this number '. 

On XX/XX/2024 at XXXX, I received a XXXX phone call from XXXX XXXX XXXX XXXX stating XXXX morning XXXX, its XXXX XXXX XXXX XXXX XXXX Alliant Capital Management , and I will be in the office today until XXXX. Please contact me as soon as possible at XXXX. I legally can't leave any information on your voicemail which is why Im not. So please call me so I can't let you know what's going on '. 

On XX/XX/2024 at XXXX, I received a XXXX phone call from a XXXX XXXX XXXX stating 'Good afternoon, this is XXXX XXXX and I'm contacting in an attempt to confirm location information for XXXX XXXX XXXX If you could be of any assistance, of if I have the wrong number, please call me back at XXXX '. Again, this woman never stated from what company she was calling about or what it was in reference to Here there are SEVERAL VIOLATIONS of the FDCPA : in the first voice message, the woman XXXX never identified the name of the company as she later did in her XXXX voicemail. In addition, she NEVER stated that the purpose of the call was for the purpose of collecting a debt, which is required by any debt collection agency or company when contacting a consumer for that purpose. And the only reason I found out it was the purpose of a debt, is because I googled the number and name of the company and it states, 'Debt Collection ' on their website. The second violation is in the 2nd voicemail when she states that she legally cant leave any information on my voicemail which is why she didn't. 

Clearly, these are tactics that Alliant Capital Management are using and have been using for years, by leaving a vague message as to induce worry or fear in the consumer, in order to get them to call back. It doesn't work. 

Additionally, I received a few calls from XXXX ladies, who happen to have the same last name as me, indicating that they received voice messages as well, by a lady asking for location information on me. However, there are extensive other listings of other people with my same name. 

Furthermore, this company already has over XXXX complaints on the XXXX  for violations, plus they are not even accredited by the BBB. They need to be sanctioned and sued for violations of the FDCPA.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (OR)

XXXX XXXX, 2023. Hacker got into my phone, used PayPal to order 5 {$100.00} cash cards from XXXX XXXX, another {$100.00} card through PayPal credit, and used XXXX to send {$250.00} from my checking account to someone named " XXXX XXXX ''. I discovered the problem and immediately called PayPal, Synchrony Bank, and XXXX XXXX XXXX XXXXXXXX to alert them to the problem. I then called all my credit cards and reported what had happened, and factory reset my phone. Synchrony admitted hacker fraud and expunged the {$100.00}. XXXX XXXX XXXX XXXX did the same and refunded my {$250.00}. PayPal opened a 'fraud investigation ', but never removed the {$500.00} from my account. After numerous calls to PayPal, and numerous passes from one customer service rep. to another, I got no decision from them, other than " we're still working on it ''. Six weeks later, I receive a debt collection notice in the mail. PayPal 's " fraud investigation '' is a joke. They said the purchases were " typical of my spending habits. '' I have never bought ANYTHING from XXXX XXXX, nor have I EVER purchased a cash card through PayPal. I am continuing to pay PayPal for the purchases I did make previous to this incident, and when that is concluded, I will cut off any further communication with PayPal.
Consumer complaint received 2024-02-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: California Business Bureau, Inc. (CA)

I have a lot of XXXX  problems and therefore a lot of XXXXl bills. I have been religiously paying my medical bills on a payment plan with XXXX every month per the agreed payment plan submitted and accepted online, despite being unemployed. However, XXXX keeps sending my debt to a debt collection agency and collecting the same debt that I have been paying. This has been ongoing for months! I believe they are trying to obtain payment twice! My husband went through the same thing XXXX years ago when he had a XXXX XXXX and we found out that they were billing him twice! 

I think this type of tactic should be ILLEGAL, and I believe it is fraudulent to collect debt that is already being paid. They are sending these collections thru XXXX XXXX XXXX XXXX XXXX  . I don't know who is being fraudulent and trying to collect on the same bill twice, XXXX or XXXX, XXXX. But it is not right and should be stopped! I have contacted XXXX and XXXX, XXXX, but awaiting response from both companies. 

I hope this has not been affecting my credit, because I am trying to buy a car and have not been able to get approved since my debt to income ratio is high, but also because my score has gone down. I am afraid that part of that is secondary to having this XXXX debt registered twice and in collections. Please help.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (TX)

Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Notice of pending litigation seeking relief & XXXX XXXX under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance. due to the FAMILY PRIVACY ACT OF 1974, ( FERPA or the XXXX Amendment ) is a United States federal law that governs the access to educational information and records by public entities such as potential employers, publicly funded educational institutions, and foreign governments.THIS IS A DIRECT VILOATION OF MY RIGHTS. {$5000.00} RELIEF FROM EACH REPORTING AGENCY
Consumer complaint received 2024-02-18
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

Hello, I received an AMEX business gift card with XXXX dollars in it, which still has this balance in it when I checked the Americanexpress website. However, I have not been able to use this card at numerous stores online for one-time purchases which are under the balance I have in this card. On top of this, I tried to put the card onto XXXX XXXX to somehow try to resolve the issue but that did not work either, showing me an error message. 

Is there any way to use this gift card or get this money differently?
Consumer complaint received 2024-02-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (MS)

I kept getting calls from CashNetUSA I thought it was a joke did not think they was trying to reach me for a loan but when they repeated my social and date of birth I got worried they said they gave this money to me and it was sent to my checking account XXXXXXXX XXXX and sent confirmation to my email I told them I never got any email from them and they repeated an email I was never ever associated with and I have not had an account with XXXXXXXX XXXX since XXXX I went to XXXX and said they are unable to give me a letter of who is on this account ending in XXXX nor give me a letter to state I am not on this account where the money deposit was sent to I am not getting any help from XXXX branch on hwy XXXX XXXX XXXX and they advised only corporate can fix any legal matters I asked if you have a deposit in my name and I showed Id to send it back to CashNetUSA they refused and said its for corporate to do this is a fraudulent FRAUD transaction I never had an account ending in XXXX the account I had has been closed since XXXX my credit report clearly states identity theft from XX/XX/XXXX XXXX
Consumer complaint received 2024-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2023 I wire transferred through Wells Fargo bank to XXXX XXXX {$10000.00}, but this company did not receive the money then I ask the bank to find out why they didnt receive the money of 15 days when they didnt answer, I asked them refund my money but they did not refund until I did dispute and they told me they emailed the beneficiary bank XXXX and XXXX doesnt answer They close my case XX/XX/XXXX despite that gave me one month for answer. When I sent answer but they told me they close the case.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC (UT)

Divorce decree required me to remove spouse from loan documents, I had until XX/XX/XXXX. That date has come and passed. Luckily for me I suppose my ex is not pressing me with enforcement of decree at this time. Original application with lender submitted in XXXX, I was told loan was being transferred to another lender and would need to wait until loan was fully " received '' received or processed at new servicer, even thought hey are the same companies '' XXXX and Newrez. 

XX/XX/XXXX : Submitted application for Assumption XX/XX/XXXX : emailed a request that application had been received and what to expect. 
XX/XX/XXXX : received an email from " XXXX '' at lender stating a team member would be in contact. 
XX/XX/XXXX : Emailed lender " All good thanks '' Multiple undocumented phone calls to service center in the interim XX/XX/XXXX : Emailed again request for information XX/XX/XXXX : Called at XXXX request for information the agent stated they do not have any way to communicate with Assumptions department and gave me an email address to contact for info. I informed the agent I intended on filing complaint with CFPB and she then said she would file internal complaint XXXX XXXX
Consumer complaint received 2024-02-16
Product: Debt collection — Other 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: CFM Group LLC (KY)

XXXX We are getting excessive calls, threats and harassment from a collections agency out of XXXX XXXX Georgia XXXX They are representing XXXX, a uniform company that claims that we owe them over {$11000.00} for UNIFORMS! They have called us several times. They told us they would have us put in jail, take everything we own and make sure that we live in a cardboard box. This is harassment. I told them when they previously called that I would try my best to be able to make payments but I do NOT have {$11000.00} just laying around to pay for uniforms when I have other bills to pay and kids to feed and house. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Georgia XXXX Their office number is ( XXXX ) XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XX/XX/XXXX, I made a payment of XXXX USD, ( XXXX was designated on XXXX XXXX XXXX XXXX order XXXX ) from my XXXX XXXX account to XXXX XXXX XXXX XXXX account opened with XXXX and XXXXXXXX XXXX  XXXX XXXX. The intermediary bank ( bank correspondent ) in this chain was JP Morgan Chase Bank. XXXX was included in the list of intermediary banks pursuant to XXXX XXXX XXXX. The full payment chain was XXXX XXXX J.P. Morgan XXXX XXXX XXXX XXXX XXXX XXXX ( payment reference XXXX ). Given above, my payment should be blocked by the intermediary bank in accordance with US sanctions laws. In order to unblock the payment, I need to apply for a special license from the XXXX. However, JP Morgan Chase Bank has not yet blocked the payment or informed the originating bank of the freezing measures. Thus, I can not apply to the XXXX for the license necessary to unblock my funds, as I need to provide some data, in particular the date of the blocked payment. Otherwise, the XXXX may not find a record of the blocked payment. On XXXX XX/XX/XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  to ask for clarification if and when the payment reported to XXXX was blocked. ( Attachment XXXX message ) To date, JP Morgan Chase Bank has not responded. We have sent another request for the status of the payment on XXXX XX/XX/XXXX, copy attached ( attached XXXX message ) ; Thus, I am unable to apply to XXXX for the license required to unblock my funds. Payment tracking ID in XXXX XXXX : XXXX XXXX
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dear PORTFOLIO RECOV ASSOC Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written un written verbal and nonverbal per 15 usc6802.