davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (SC)

I always pay my payment early and 3 times Ally posted my payment to principal instead of my monthly payment. I dont know this happens until I get a collection call. I always make my payment through their portal and I always make sure the appropriate things are checked to make a 1 time payment. I address this with Ally but was told it was my error. Because of the payments being applied late I was then charged more interest that is not fair to me.I request a complete accounting of my account and I dont believe that happened. The payment I was trying to make for XXXX I posted the payment in the portal and I noticed today on XX/XX/XXXX the payment hasnt cleared the bank. I logged onto Ally portal and it directed me to another portal and I saw my payment date was changed to XX/XX/XXXX. I canceled the payment for XX/XX/XXXX and tried to schedule one for today XX/XX/XXXX. The portal would not let me told me to call their customer service. I called the customer service department the first representative I got she just kept repeating please review your scoping and call back. I asked what do I have to review she wouldnt give me an XXXX call on XX/XX/XXXX I wanted to confirm the payment from XX/XX/XXXX was canceled per the agent the payment was showing canceled in the portal but still pending for XX/XX/XXXX in Ally system so if I would not have called I would have made a double payment this month because their portal is not doing what it should and canceling payments when you request.I asked this agent to cancel the payment and if she could take my payment for today since the portal is not working. She advised she would have to transfer me and I would get charged a fee to make a payment. So Ally portal and website was not working to make a payment, so Ally answer is to send customers to a 3rd party to be charged to make a payment.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Credit Bureau, Inc. (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Dispute of Collection Account and Violation of Rights Dear Sir/Madam, I am writing to formally dispute a collection account that has been reported by Merchants Credit Bureau to consumer reporting agencies. This dispute is based on violations of my rights as a consumer, specifically under the regulations outlined in 12 CFR 1006.34.

Failure to Provide Validation : The collection agency has not provided validation of the debt as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed the collection on my consumer report, impacting my credit standing without proper verification.

Denial of Dispute Opportunity : I have not been given a chance to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This denial of my right to dispute the account is a clear violation of consumer protection regulations. 

Use of False and Deceptive Means : The collection agency is violating my consumer rights by using false, misleading, and deceptive means. Their actions do not align with fair debt collection practices and are causing undue harm to my financial well-being. 

Failure to Provide Required Disclosures : The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law. This failure to comply is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Merchants Credit Bureau for their violations. Additionally, I request that the collection account be removed from my consumer report until the necessary validations and disclosures are provided. 

I am also revoking all rights of XXXX XXXX XXXX XXXX communicating with me through email, text, and calls. I am requesting debt validation and the purchase agreement between XXXX XXXX XXXX XXXX and the original creditor. I am also requesting proof that they are licensed and bonded Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC (TX)

Debt Recovery Solution, XXXX and XXXX has submitted a debt on my credit without my consent, according to XXXX5 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and the balance is incorrect as well. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. I have no valid contract with this company that placed this on my credit files. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Mercari, Inc. (NY)

XXXX and Mercari refused to give me my {$220.00} back despite these AirPods that I purchased through them being fake Mercari as well refused to give me the money back despite me proving they were fake and submitting it and then they went ahead and paid the seller for these despite me adamantly saying i wanted to return them. never sent me a return label despite claiming thats the reasom they closed my account. paypal refused to do anything as well. prohibited counterfeit items that are supposed to be what they refuse to sell and terminate accounts doing so but clearly didnt. since i called them out on this they then closed my account because I threaten to dispute this transaction because they sold me a prohibited fake item that is a illegal to do so.
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AZ)

On XX/XX/2018, when I was XXXX in XXXX VA for my first XXXX XXXX, My account was locked due to suspicious activity. I was out celebrating about to purchase some food when my card was declined and I was locked out, I quickly called XXXX XXXX and they instructed me to come in to verify that it was actually me. My chain of command took me that following Monday to the branch and was told that my account was used multiple times in XXXX Illinois. I was stationed and attending my duties during that time. XXXXXXXX XXXX  then explained that if I stop paying any due amount that my account can go into collections, and will affect my credit-which consequently terminate my security clearance and could get me discharged from the military. I chose to keep paying due to my lack of knowledge of steps to take when there is fraudulent activity. During that time I spoke with police and filed an NCIS report because it was happening to other XXXX at the time. Fast forward to when I was released from the military XXXXXXXX XXXX  put my account into collections due to not having any fund to pay them. They eventually charged off my debt but it still remains in my credit report harming my chances of buying anything with credit. They eventually sold my debt to LVNV FUNDING LLC which continues to harm my credit to this day. I've tried to dispute it but due to XXXX and lack of information I have not been able to do it correctly. LVNV FUNDING LLC has also threatened to take legal action as an intimidation tactic. I also filed an identity theft report last year, and I have my report number if needed.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

I had a lot of charges from a sportsbook that were unauthorized. Totaling in more than XXXX dollars. They denied my claim saying it was me. I didnt make these payments and they are all unauthorized. No help or updates at all, they said they called and left me a message. However I have no record of this, no help whatsoever
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CT)

Resurgent capital services has been harassing me by email, and phone for three years now and even after telling me on the phone and looking up account numbers rhat my debt is in fact paid off, it was transferred to another company that they were not aware of and they are putting that blame on me by continuing to call and email relentlessly saying i owe them {$500.00}.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DIGITAL FEDERAL CREDIT UNION (OH)

Hello XXXX, My name is XXXX XXXX. I applied for an XXXX loan with Digital Federal Credit Union on XX/XX/2024 & they ran a XXXX  inquiry and offered me a XXXX rate of XXXX XXXX & quoted that my XXXX score is XXXX. Upon checking with XXXX my score is XXXX & they mailed a XXXX copy of the score on XX/XX/XXXX XXXX but I was repeatedly kept saying by XXXX that my XXXX XXXX is XXXX & also denied to send me a confirmation statement when I kept asking about it. This is too bad that I am given a bad rate based on an incorrect information. Request you to please look into this issue. Thanks. 

Regards, XXXX XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (NJ)

Dispute Letter to Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Fair Debt Collection Practices Act ( FDCPA ) Violation by [ Collection Agency Name ] Dear CFPB, I am writing to file a complaint against LJ Ross Associates for violating the Fair Debt Collection Practices Act ( FDCPA ). 
Account Details : Account Name : XXXX XXXX Date of Last Payment : no payment ( statute of limitations in New Jersey ) Nature of Complaint : LJ Ross Associates has placed a collection account on my credit report without following the proper procedures outlined in the FDCPA. Specifically, they have violated the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) : I have not received any written validation notice detailing the debt and my rights to dispute it.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given a chance to dispute the validity of the debt before it was reported to a credit reporting agency.

12 CFR 1006.34 ( d ) & 15 USC 1681-s-2 ( 7 ) ( A ) : The collection agency has furnished an account to a credit reporting agency without providing the required disclosures by law.

These actions by LJ Ross associates constitute a violation of my consumer rights by using false, misleading, misrepresentative, and deceptive means.

Request for Relief : I request that the CFPB investigate this matter and take appropriate action against LJ Ross Associates. This action should include : A requirement for LJ Ross Associates to remove the negative information from my credit report.

A requirement for LJ Ross Associates to cease all communication regarding this debt until they comply with the FDCPA.

I have attached copies of any relevant documentation, such as communications from the collection agency or my credit report ( with the disputed information highlighted ).

Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 
Sincerely, XXXX XXXX Enclosures : Communications from Collection Agency Credit Report ( with disputed information ) Collections : L J ROSS ASSOC Details Account # XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX XXXX XXXX Amount Owed {$1200.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date N/A Original Balance {$0.00} Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX Paid off Date N/A Closed Date N/A Resolution -- Current Status Account information disputed by consumer Action History No Actions Taken L J ROSS ASSOC XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2024-03-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NJ)

I had a Home Equity Line of Credit that was sold to Rushmore Services by another Financial Institution. This was t

he 3rd time that the line of Credit was sold. I decided to pay off the loan and started to make large payments. 
Toward the end of the loan, I decided to call and ask what the proper procedures were to pay off and close the line. 
XXXX Called, I was told my balance was {$270.00} and because it is over {$200.00}, I have to do it as a wire transfer. I went ahead and did that Paid {$270.00} + {$25.00} Wire Fee.

XX/XX/XXXXReceived an email confirmation that the loan is paid off ( attached ) XXXX Received a letter stating that I owe {$690.00}. I was surprised and thought this is a mistake, called to resolve it. They told me that the account is not closed because a form ( HELOC PAYOFF AUTH ) was not submitted. I had no idea that was needed. They never told me that in XXXX?! I said fine, let me do whatever is needed. Sent in the HELOC form and agreed to pay {$70.00} in late fees and other charges. Payment was taken over the phone. Spent an hour and a half on the phone! 
XXXX Received an email with a new Payoff Quote, Due {$76.00} XXXXCalled disputing this again. Spoke with XXXX, he agreed that this was a mistake and said that he will escalate it to his managers to be withdrawn and account closed. Spent an hour and a half on the phone! 
XXXX Received another payoff quote via email, due {$76.00}, called again to dispute, spoke with XXXX ( She consulted with her supervisor ), said it will be escalated and withdrawn. Spent 2 hours on the phone! 
XXXX I get a notification from XXXX that I was reported to have a delinquent account. I looked at the details and it's this one ( attached ). I am so upset and frustrated. I no longer have the strength to fight this! I don't have the time to spend more hours on the phone with these people! I opened an online ticket with them. Ticket # XXXX ( attached ). Hope that they will finally do the right thing and close this line of credit and withdraw the delinquent account from my Credit Report!
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (OH)

I believe I talked to someone about this couple months ago. They refused to tell me details, said I owed it and then hung up on me. Those actions are violation of my right within the FDCPA and consumer right laws. Cease & Desist communication.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (SC)

The appraisal requested for the original loan by XXXX XXXX Mortgage for XX/XX/2007 signing should not have been an appraisal for the value. I am requesting a copy of the actual appraisal for the loan submitted to different mortgage companies for a mortgage on the property.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (TX)

NCB MANAGEMENT SERVICES is in clear violation of the law for contacting a third party or credit reporting agency with my nonpublic personal information. I received a copy of my consumer report and noticed an inaccurate account they reported with a balance of {$1800.00} along with 21 LATE TRANSACTIONS to both my XXXX and XXXX credit reports on ( XX/XX/XXXX ). NCB MANAGEMENT SERVICES will not provide any documentation that I am legally responsible for this alleged debt they reported to the consumer reporting agencies. According to 15USC 1666 ( b ) creditors can not report a LATE TRANSACTION unless they mailed a notice received by the consumer containing information from 15USC 1637 ( B ), 21 days before the late transaction was reported. Please provide the original statements NCB MANAGEMENT sent 21 days before each LATE TRANSACTION was reported to the agencies. Furthermore, this section of the law 15USC 1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT clearly states how TRANSACTIONS or EXPERIENCES from a consumer to any person or creditor are excluded from my report, which means this data is not supposed to be reported. NCB MANAGEMENT reported 21 late transactions which damaged my credit and livelihood due to their illegal actions taken. NCB MANAGEMENT SERVICES must remove this account from my consumer report, as of ( XX/XX/XXXX ) instead of removing it, they took it from collections and closed the account.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

I hope this letter brings attention to a pressing matter concerning your recent actions regarding a debt allegedly owed by me. I am writing to address critical issues that require immediate resolution. 

I have discovered that the collection item associated with an alleged debt : LVNV Funding LLC C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX has been placed on my consumer report without the required written notification. I am emphatically disputing the validity of this debt. This action not only violates the FDCPA but also infringes upon my rights under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Your agency, by engaging in false, misleading misrepresentation, and deceptive means, is not only jeopardizing my financial standing but is also operating in violation of the law. 

I emphasize that your agency has failed to provide the validation information as required

by 12 CFR 1006.34 ( c ) ( 4 ) ( I ), yet it has proceeded to report the collection item to a consumer reporting agency. This is a blatant violation of the aforementioned regulation and raises serious concerns about the accuracy and legitimacy of the reported debt. Additionally, I am invoking my rights under the Fa
ir Debt Collection Practices Act ( FDCPA ) and other relevant laws. As of this moment, I am revoking all rights of communication with me via email, text, or calls. All future correspondence must be in writing and sent to my mailing address provided below In accordance with my rights under the FDCPA, I am requesting the following information : 1.Comprehensive debt validation : Please provide detailed documentation outlining the nature of the alleged debt, including the amount owed, the name of the original creditor, and any other pertinent information. 
2.Purchase agreement : I request a copy of the purchase agreement between your agency and the original creditor, establishing your legal right to collect on the alleged debt. 
3.Proof of licensure and bonding : Kindly provide documentation demonstrating that your agency is licensed and bonded, ensuring compliance with all relevant regulations.

I insist that your agency rectify these issues promptly by : 1. Providing the necessary written notice outlining the details of the alleged debt, as required by the FDCPA.

2. Ceasing the inaccurate reporting of the collection item to consumer reporting agencies IMMEDIATELY until proper notification and validation information have been provided, in accordance with 12 CFR 1006. 

Failure to address these matters immediately may lead to further legal actions, as your agency 's actions not only infringe upon my rights but also tarnish my financial reputation. I trust that you will take swift and corrective action to rectify these violations and prevent any additional harm. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, NY is defunct. Washington Mutual took over Dimes ' accounts. Washington Mutual is out of business. All accounts were transferred to JP Morgan Chase Bank. Chase check and does not have my account. On XX/XX/year>, I had on deposit, {$1000.00}. For years, I have made inquiries, the last one, Chase. I gave my SS number, and the account was not listed. By now the state or FDIC should have my money. I've checked NYS 's Unclaimed Funds and my name does not appear. 

Throughout the years, the banks have never notified me of the transfers or instructions. I had to get wind of closings by watching the evening news or word of mouth.
Consumer complaint received 2024-03-04
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Progrexion Holdings, Inc. (FL)

Back in XXXX of XXXX I paid {$110.00} to is credit repair.com services. Since companies under dispute were informing me they needed proof of ID or authorization that I gave credit repair.com permission to work on my behalf. However, the information I provided to credit repair.com was not getting to the correct department based on the email information provided to send in correspondences. Since a month passed and the company was not able to assist or provide service I requested a refund for the {$110.00} and to cancel my services. I was approved for the refund on XX/XX/XXXX and received email from company stating it was approved and my account has been closed as of XX/XX/XXXX and as a courtesy, my member site will still be accessible for up to 60 days following the cancellation. However, the company is still trying to charge me as if the account is still opened and they keep sending me harassing emails stating my services are suspended when the account has been closed and refund for original amount I paid was already refunded as of XX/XX/XXXX.