davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with LVNV FUNDING LLC. LVNV FUNDING LLC is furnishing inaccurate and incorrect information to the consumer reporting agencies. XXXX XXXX XXXX : Account # XXXX ( Balance : {$730.00} ) XXXX  XXXX : 15 U.S. Code 1681 s2 states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.
Consumer complaint received 2016-03-14
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Travelex NY, Inc. (CO)

When going into a XXXXbank branch to get XXXX for my minor daughter to take to XXXX last summer, the Bank teller aggressively sold me ( successfully ) a reloadable Travelex cash card ... Stating that I could get the card in my name and give it to my daughter for her solo travels in XXXX. Teller stated that if my daughter lost card.. Another would be sent to her.. Also that card could be reloaded and used at many locations legally and it was the safest way to go. After buying and loading the card, I called " multi currency cash passport '' company to get details on usage. Cash Passport told me I would be " in breach of contract '' if I let my daughter use my card without me ( she is a minor, traveling solo ), and they would not replace it if stolen, lost or confiscated. Cash Passport mentioned that some merchants may confiscate her card. I returned to Travelex counter inside usbank and they were still aggressively selling Travelex card to parents of minors for the minor to use overseas ( I had to wait in long line and overheard same selling points that sold me on the " safe card for your child to use XXXX alone ) .. I did speak to the teller and then the tellers manager about this dangerous marketing strategy.. ( They did unload my cash card.. For a fee of course.. But that is not my complaint today ). My concern is for these children traveling XXXX with a cash card that is not replaceable if lost or stolen. This practice that Travelex is aggressively selling the cash passport card to parents that come to bank counter to get foreign currency.. And children are traveling solo overseas with a false sense of safety. I mentioned these concerns to Travelex manager XXXX XXXX XXXX XXXX XXXX XXXX, and she did not seem to understand my concerns..I would like Travelex to train there employees to not push this card on parents of minor children that come to the bank to change dollars to foreign currency. That is wrong. This is putting children in danger. 
Thank you
Consumer complaint received 2016-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

XXXX paid off our federal student loan than we were told we owe a loan to a private company Navient, we have tried to make arrangements to make payments but were told they would only accept the full amount yet they keep posting on our credit that every month were late with payment, damaging our credit is this legal for them to do this if not could you please look into this
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (TX)

VALIDATION AND CEASE AND DESIST Dear Sr, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account # XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2016-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

" FedLoan Servicing '' received my request to recertify my income-driven repayment plan on XX/XX/XXXX ; on XX/XX/XXXX, I received notice that " At this time, we [ FedLoan Servicing ] are currently experiencing a high volume of IDR requests. '' This continues a consistent pattern of communication lags around IDR recertification requests of at least one complete billing cycle -- seemingly pushing back their need to communicate around IDR recertification requests sufficiently long that borrowers ' IDR plans will lapse, and borrowers will need to make full payments ( this occurred last year, as I received multiple requests for information that FedLoan Servicing admitted to *not* needing -- I had mistakenly noted that I had been married during the last year, but as we were not filing our taxes jointly as yet, this would not impact my payment levels ; however, because I had *noted* the change, FedLoan Servicing insisted that I submit all of my wife 's financial documentation, and repeatedly rejected it ( she is an XXXX, and thus could not provide documentation from her employer ). However, at least three to four weeks were allowed to elapse between each communication I received from FedLoan Servicing, maximizing the number of billing cycles during which I was forced to make full payments after my IDR plan had lapsed. It now appears that FedLoan Servicing is engaging in similar delaying tactics this year, waiting over a month to respond to my IDR recertification request, and then only to make the excuse of " high volume '' and provide *no* estimate of when this request will be processed.
Consumer complaint received 2024-10-04
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp (AZ)

In addition to my previous complaints regarding multiple collection agencies pursuing the same debt, I would like to raise a new issue : Multiple Collection Agencies and Insufficient Debt Validation : I am currently being pursued by XXXX separate collection agenciesXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXall claiming to collect the same debt allegedly owed to the same creditor. These agencies are : XXXX XXXX XXXX, Account No. XXXX XXXX XXXX XXXX, Account No. # XXXX XXXX, Account No. [ Insert Account Number if available ] XXXX XXXX XXXX has provided a summary of move-out charges as documentation, but this does not constitute proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ).

My complaint is twofold : Unauthorized Multiple Collections : All three agencies are attempting to collect on the same debt with conflicting amounts, which has caused confusion and may violate my consumer rights.

Failure to Provide Proper Debt Validation : The summary of charges provided by XXXX XXXX XXXX does not meet the legal requirements for debt validation. I am entitled to : The original agreement or contract establishing my obligation to pay. 
Proof of the debts amount and a detailed breakdown of any fees. 
Documentation showing the legal assignment or transfer of the debt to these agencies. 
I am requesting the CFPB to : Investigate all three collection agencies ( XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  ) to determine which, if any, is authorized to collect this debt. 
Ensure that XXXX XXXX XXXX and the other agencies comply with FDCPA regulations, including providing complete and proper debt validation. 
Address the negative impact on my credit score, which has been harmed by these conflicting collection activities. 
Enforce Regulation F of the FDCPA to prevent deceptive or duplicative collection efforts and require itemized details and proper documentation for all collection activities. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in protecting my consumer rights.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I placed an order using my Sears Gold Mastercard. Two weeks later a freight carrier called to schedule a delivery. I informed the carrier that I wanted the opportunity to inspect the package to ensure that there was no damage, and that package contained what I ordered. The carrier responded that I would have to pay the an additional {$100.00} to the vendor. Since that would have been a cost over and above the agreed upon purchase price, I told the carrier I would not accept the delivery. No attempt was made to deliver the item. The vendor charged me the freight to return the item, and a restocking fee
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681C-2 & 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Consumer complaint received 2016-03-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MS)

Big Picture Loans charged me a total of {$1900.00}. When I first accepted this loan it was for {$800.00}. They stated in my paperwork that my pay back amount would be {$1000.00}. I did n't think that was to bad so I agreed. After they begin taking {$280.00} from my account every two weeks. I was half way done paying the loan when they called me and said I needed to make more arrangements so they could get {$1300.00}. I told the Rep. that was not correct. That is when I learned about these other fees they had put on me. I knew that was not because I would have never agreed to those terms. I did not think there was anything that I could do until I saw a story that sounded a lot like mine. It included the website listed above. In fact Big Picture Loans charged me 780.03 % -788.62 % interest. Application # XXXX. Application Date XX/XX/2016.
Consumer complaint received 2024-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc (NJ)

On XX/XX/year> I received a call asking for my XXXX XXXX XXXX XXXX XXXX. When asking why they were seeking my child I was told it was for debt collection and as I continued asking why they were seeking my child they finally started it was for a debt collection. I asked how they were collecting debt on an XXXX XXXX XXXX and received no response so I called back and asked for a supervisor. The supervisor stated the rep just didn't read the notes right but they had my name XXXX XXXX as parent and explained the debt was from XXXX XXXX. I explained that had been paid already and asked for them to send me the debt in physical mail. The supervisor asked for my personal email instead and I stated I did not feel comfortable providing that information and insisted it be mailed. This went back and forth at least XXXX more times until she finally stayed she would send me the letter by mail. The fact that they called to collect on my XXXX XXXX XXXX for a debt that was already paid and refused to send me the proof of debt by my chosen communication form is absolutely ridiculous and a violation.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

Company ( USAA ) called me and explained to me my debt was charged off and it was turned over to an in house third party collection agency. Under the Internal Revenue Service, a charged off debt is considered a security of indebtedness which qualifies it as income. Therefore income can not be reported on your credit report. In light of this information, kindly remove this negative mark off my credit report. Thank You!
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (NV)

First Advantage screening used the inaccurate reporting on my XXXX credit report to deny my tenant screening application. I have told them the following information, and provided my ID showing my name and they have said that they can see the name is not mine on the original creditor 's application, AND there is no social security number on the XXXX reporting - how is this legal? They're using information that is not mine to deny me a residence. They refuse to remove it from the screening report. 
The account info they are using from XXXX that is not mine : XXXX XXXX XXXX is reporting a collection account saying the original creditor was XXXX XXXX. I have never lived there nor applied there. My information was used to apply to this apartment, but I never lived there. My father has the same name as me. Please remove this from my credit report asap. I also want to add I contacted XXXX about the account in question. They also acknowledged this is inaccurate, along with the account reported itself doesn't have a social security number attached to it. How is this legal, how is this acceptable that it doesn't matter? 
I want this removed immediately. 
Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc. (AL)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (FL)

I recently received a copy of my Equifax credit report .the credit report showed a credit inquiry by XXXX XXXX that i do not recall authorizing .I understand that XXXX XXXX should n't be allowed to put an inquiry on my file unless i have authorized.
Consumer complaint received 2024-10-07
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: Global Lending Services LLC (WV)

Back in XXXX of XXXX, I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past 5 months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official action.
Consumer complaint received 2024-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
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: Kikoff Inc. (PA)

I am filing this complaint to formally request the removal of certain closed accounts from my credit report, as the debt collector involved has engaged in abusive and unfair practices, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

This debt collector furnished an account to my credit report without my agreement or participation in any binding legal contract. As you are aware, a legal contract requires the consent of both parties, and I did not participate in any such agreement regarding this debt. 

Furthermore, the debt collector failed to follow the proper 5-step validation procedure, which is required under the FDCPA. This failure to properly validate the debt makes their actions an unfair practice. 

According to the FDCPA, I am entitled to {$1000.00} per violation. Clearly, by furnishing an account that I did not agree to and failing to follow the legally required validation steps, the debt collector has violated my rights. 

I am requesting that the CFPB take appropriate action to have this account removed from my credit report and ensure that the debt collector is held accountable for their violations. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc. (PA)

My Account with American First finance XXXX also was reported as a charge off it was written off as a loss the company was supposed to send a XXXX XXXX form but never did I am asking for this to be deleted under 15Usc1681eb that states accuracy on credit report this is a violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American First Finance XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (FL)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding LoanCares Mortgage Adjustment and Escrow Mismanagement Dear CFPB, I am writing to file a formal complaint against LoanCare regarding their improper adjustment of my mortgage, which has caused significant financial hardship. The root of the issue lies in an escrow modification made by LoanCare without proper documentation, resulting in a negative escrow balance when it came time to pay my property taxes. LoanCare is now attempting to collect the overage under terms that I can not afford. 

Since this began, I have attempted to communicate with LoanCare multiple times via emails and phone calls, but the representatives I spoke to either provided inconsistent information or admitted they did not have the correct answers. Furthermore, LoanCare stated that my modification application was denied, but I never received any formal notification, despite their claims of having sent it. 

One of my main concerns is the companys delay in responding when all required documents are submitted correctly. On the other hand, they respond immediately if something is missing. I have documented call times, messages, and all the communications and documents Ive sent to them. 

I originally applied for the mortgage modification on XX/XX/year>, and filed a complaint with the Better Business Bureau in XXXX of this year. My ultimate goal is to resolve this situation, keep the property in good standing, and bring my mortgage payment down to an affordable level, ideally less than {$2000.00} per month, or no longer have to deal with the ongoing issues caused by LoanCare. 

I respectfully request that the CFPB investigate this matter to ensure that LoanCares handling of my mortgage is in line with the proper regulatory standards and to help me reach a resolution. 

Thank you for your attention to this issue. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (NC)

Suntrust Bank has consistently denied access to our available and deposited funds in our account under the guise of account security. We are making purchases for items for resale and they are consistently declined - for the SAME vendors - repeatedly. These are our daily vendors that we buy from EVERY DAY. We have called and asked that this be stopped as we will continue to make these purchases to fill our orders but they REFUSE to make any accommodation. This is outright denial of use of the funds in our account.