davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: W&A Intermediate Co., LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that WAKEFIELD & ASSOCIATES immediately ceases 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 Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

DEAR LVNV FUNDING LLC ; RESURGENT CAPITAL ; CFPB ; I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.

This company is reporting inaccurate and misleading information on my credit report. Lvnv Funding LLC has a collection reporting on my credit report As a open but they haven't Provided payment history. They also have listed the last payment date for last year but are currently reporting a late payment at 120 days that makes no sense. This account is Fraud its a Volation of the fcra and the FDCPA. I have a strong case. I'll be more then happy to take this to court and sue this company for the maximum dollar amount the court will allow which is { {$10000.00} }
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

XX/XX/XXXX Subject : Formal Complaint Against Debt Collection Agency for Violations of Consumer Protection Laws and GAAP Dear CFPB, I am writing to file a formal complaint against the following debt collection agency LVNV FUNDING LLC for their improper debt collection practices and violation of my consumer rights under various laws and regulations. 

LVNV FUNDING LLC Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Debt amount listed on consumer report : {$620.00} Date Opened : XX/XX/XXXX I have received a communication from LVNV FUNDING LLC regarding an alleged debt. I believe this debt is not mine and the collection agencies have failed to follow appropriate legal and accounting standards in attempting to collect it. Specifically, I contend the following : Lack of Verification and Validation : The collection agency has not provided a copy of the original contract or agreement bearing my wet signature. I request the purchase order agreement from the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to verification of the debt, including the name and address of the original creditor and documentation of the debt 's legitimacy. 

Violation of GAAP : The collection agency has not provided any verifiable financial information that adheres to Generally Accepted Accounting Principles ( GAAP ). Without proper documentation, their claims are not substantiated and fail to meet ethical accounting standards. 

Right to Face My Accuser : I am entitled to face my accuser. The debt collector has not provided any evidence that I was informed of the debt being sold, nor was I present during any related transactions. This lack of transparency violates my rights and raises serious concerns about the legitimacy of the debt. 

Unauthorized Reporting : The collection agency has no authority to furnish this alleged account to any consumer reporting agency without proper verification. The false reporting of this debt constitutes defamation of character. 

12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide specific information regarding the debt, including the name and address of the original creditor. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors provide a detailed statement of the debt, including documentation that supports their claim. 

Provision of Documentation : Provision of the original contract or agreement bearing my wet signature. If such documentation can not be provided, the debt claim should be considered invalid.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am a bank of America XXXX card holder. They were ordered to pay back claims by the cfpb as well as compensate for our losses. 
They have locked me out of my account. They are now trying to use a deposit made by the state of az for partial payments they owed me, and say they are part of my claim. They also have added claims to my account that are not even possible... ..in total my only claim filed was for XXXX XXXX and XXXX That does not include the XXXX $ that they rejected in unemployment funds because my account was frozen. 
I have been calling them for 1 month now XXXX and they just pass me around and hang up on me. Now they said that my claims have already been paid out? 
They are stealing money still.
Consumer complaint received 2024-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - SSI BENEFITS Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Dear THD/CBNA,/ Cfpb team ; I am writing to express my deep concern regarding the inaccurate reporting of my account on my credit report. Upon reviewing my report with my loan XXXX over the weekend, I was alarmed to find late payments recorded for XXXX and XX/XX/year>. 

I am unsure how these late payments occurred, as I believe I made my payments on time based on the statements I received. It is possible that there was an issue with receiving or processing my monthly statements. 

I request the immediate removal of these late payments from my credit report. Given our previously positive relationship, I also ask for a refund of any late fees that were assessed due to these errors. Additionally, I believe I have been billed incorrectly under the provisions of the Fair Credit Billing Act ( FCBA ) and other relevant statutes ( 15 USC 1666b, 1681i, 1692g ). 

I urge you to correct these inaccuracies promptly. I would prefer to resolve this matter without further delays or complications. I appreciate your attention to this issue and look forward to continuing our positive relationship. 

Thank you for your assistance.
Consumer complaint received 2024-07-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MS)

It says this report was opened XX/XX/2024, I opened an account with XXXX in XX/XX/2024. I am certain that if I had opened an account in XXXX that was XXXX, I would not have been allowed to open another account in XXXX. The account I opened in XXXX is now closed with a XXXX balance. I called both XXXX and the Ashmer collection agency. XXXX XXXX  said their was nothing they could do as the account was already in collections and out of their hands. The Ashmer collection agency first made me pay {$1.00} just to see if I was eligible for removal, then proceeded to tell me that there were inaccuracies on all of my collection accounts and they were all eligible to be removed but there was a {$300.00} fee in order for them to do so.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

TO THE CONSUMER PROTECTION AGENCY XX/XX/XXXX PAYPAL REFUSED TO FULFILL THEIR CONSUMER PROTECTION WARRANTY AND PAY REFUND FOR AN ITEM NOT DELIVERED THEN NOT AS DESCRIBED. THE ORIGINAL PURCHASE WAS MADE WITH PP TO A SPANISH COMPANY : XXXX, ON XX/XX/XXXX FOR A PAIR OF CUSTOM-MADE SIZE XXXX XXXX XXXX XXXX EURO, XXXX ( RED PINK ) PROFESSIONAL GRADE FLAMENCO SHOES AND SHIPPING FOR {$170.00} XXXX OR ABOUT {$220.00} XXXX WITH A 90 DAY DELIVERY. IN XX/XX/XXXX, AT 120 DAYS AND 30 DAYS PAST DUE I EMAILED THE COMPANY FLAMENCISTA FOR MY ORDER. ISNT XXXX MORE EMAILS. THEY IGNORED MY EMAILS AND DID NOT REPLY. 
I MADE A CLAIM TO PAYPAL FOR REFUND FOR NON- DELIVERY. Paypal XXXX XXXX XXXX XXXX XXXX XXXX, CHANGED TO ITEM not as described IN XX/XX/XXXX PP CONTACTED THE VENDOR AND THEN THE VENDOR FINALLY EMAILED ME. I INSTRUCTED XXXX TO CANCEL THE ORDER AND ISSUE A REFUND BECAUSE DELIVERY WAS PAST DUE. 

THE VENDOR SENT ME A PACKAGE INSTEAD IN XXXX, XXXX, CONTAINING AN ITEM NOT AS DESCRIBED : IT WAS A NON-PROFESSIONAL GRADE, OFF-THE-SHELF SHOE, IN ONE-COLOR AND WRONG SIZE. 
I RESUBMITTED THE CLAIM FOR ITEM NOT AS DESCRIBED. PP TOLD ME TO RETURN IT I ASKED THE VENDOR FOR A RETURN ADDRESS AS THEY HAVE XXXX LOCATIONS. PP SAID THEY WOULD REQUEST THE RETURN SHIP ADDRESS, ALSO. PAYPAL STRUNG ME ALONG FOR XXXX WEEKS DELAYING THE REFUND, CLOSING AND REOPENING THE CASE, HOLDING IT UNDER REVIEW, ASKING FOR MORE REDUNDANT INFORMATION, WAITING FOR VENDOR REPLIES, PROMISING ME A REFUND ON EVERY CALL AND NEVER PROVIDING REQUIRED SHIPPING ADDRESS OR ISSUING THE REFUND. 

ON XX/XX/XXXX, I SENT A LETTER DETAILING THE HISTORY VERIFYING FACTS. ON XX/XX/XXXX, THE PP REP TOLD ME THEY WOULD ONCE AGAIN REQUEST THE SHIP ADDRESS FROM THE VENDOR AND RESOLVE MY CASE IN 3 DAYS IF THE VENDOR DID NOT REPLY. ON XX/XX/XXXX, PP REP TOLD ME THEY HAD THE VENDOR RETURN SHIP ADDRESS AND WOULD EMAIL IT TO ME. ON BOTH CALLS THE XXXX SAID THEY WOULD SEND ME AN EMAIL TO CONFIRM. NO EMAILS WERE SENT I CALLED ON XX/XX/XXXX FOR THE EMAIL INFORMATION AND WAS TOLD MY CASE WAS CLOSED FOR LACK OF RESPONSE THAT HAD OCCURRED XXXX WEEKS EARLIER IN XXXX. THIS IS AFTER MY CASE HAD REOPENED AND CLOSED TWICE SINCE THEN IN ADDITION T XXXX OTHER CLOSE RE-OPEN EPISODES. 
PAYPAL HAD USED FALSE CLAIMS AND DELAYS TO DEFRAUD ME OF MY PURCHASE REFUND AND FAILED TO COMPLETE THE BUYER PROTECTION WARRANTY
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was sick for several months. XXXX wanted payment for an insurance policy. When I left the hospital, I called XXXX to make payment and renew my insurance policy. They told me that they would notify credit agencies that the payment was made ( last payment, and for the future year ). XXXX and XXXX do not show a collection, but they correctly show my current contact information. Transunion was using 2018 contact information, changed my login credentials so that I could not login to see what the problem was. I spent two hours with 4 agents and a virtual chat until the login problem could be resolved. Once I logged in, I could not see my credit score unless I paid for it. My account is free because my personal and financial information was leaked to the public. I have only one error on the report and have disputed it. However, this company seems to not be able to maintain accurate credit records, accurate contact information, changes one 's login credentials, and then can not verify the user against current information because my current address does not compare with outdated contact information that was never updated. Their agents were unable to solve the problem until the last young lady finally lucked at the account and determined that my identity-verifying questions could never by answered correctly because current information was compared against an address that was changed in 2018. This company damaged my ability to qualify for credit cards and loans. They would not allow me to login because they had never maintained an accurate user profile, and their agents could not find the source of the error until the smart young lady thought outside of the box and found the problem.
Consumer complaint received 2024-07-16
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc. (KY)

I got a random email from XXXX stating that I asked for a verification of some sort at XXXXXXXX XXXX on XX/XX/year>. 
I have never signed up for a wisely account and would like to have this account closed by any means necessary. I have tried calling them by the phone numbers on their website, but no one picks up for me. I would like to make sure there is some sort of block to ensure this does not happen again.
Consumer complaint received 2024-07-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT ACCEPTANCE CORPORATION (MI)

To Whom This May Concern, CREDIT ACCEPTANCE CORPORATION I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. 

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( CREDIT ACCEPTANCE CORPORATION ) communicating with me through email/text/calls. I would also like to request the purchase agreement between CREDIT ACCEPTANCE CORPORATION and the original creditor. Along with furnishing proof of license and bonded. 

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the collector or the express permission of a court of competent jurisdiction a collector may NOT communicate with a consumer in connection with the collection of any debt. 

IF YOU IN FACT BELIEVE I OWN THIS DEBT PLEASE GIVE ME " THE METHOD OF VALIDATION '' I WOULD LIKE THE PROCESS THAT YOU ACTUALLY USED TO VALIDATE THIS DEBT, THAT SAYS THAT ITS MINE I NEED ALL CORRESPONDENSES AS TO WHO YOU TALK TO, I WOULD ALSO LIKE THEIR NAMES, EMAILS, ADDRESSES AND PHONE NUMBERS. 

Joint Lawsuit by CFPB and New York Attorney General : On XX/XX/2023, the Consumer Financial Protection Bureau ( CFPB ) and New York Attorney General XXXX XXXX filed a joint lawsuit against Credit Acceptance Corporation. Credit Acceptance is an indirect auto lender that funds and services car loans for subprime and deep-subprime consumers. 

The complaint alleges that Credit Acceptance : Misrepresents key loan terms, including the true principal, finance charge, and APR. 
Pushes dealers to sell cars with hidden interest costs and expensive add-on products. 
Uses complicated algorithms to predict collection amounts, resulting in high-cost loans. 
Engages in deceptive acts or practices in violation of the Consumer Financial Protection Act.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC. (MN)

I discovered and reported fraudulent use of my checking account to Robinhood. While they assisted in resolving my fraud concerns, they subsequently closed both my checking and investment accounts without providing a clear rationale. 

I have been a long-term customer of Robinhood and have relied on their platform as a primary investment tool for years without any prior issues. Their prompt closure of my accounts following the resolution of a fraud issue feels punitive and unjust. Robinhood advertises a zero-liability policy for fraudulent activities, but what benefit does this offer if they immediately terminate accounts after a customer exercises this protection? 

I am aware that financial institutions have the discretion to close accounts for various reasons. However, according to the Consumer Financial Protection Bureau 's ( CFPB ) regulations, actions by financial institutions should be fair and transparent. It appears deceptive and unfair to penalize a customer who has followed proper procedures to address fraud. This action has not only disrupted my financial management but has also eroded my trust in Robinhood 's commitment to customer protection and service.

I respectfully request that Robinhood allow me to reopen my accounts. I believe this would demonstrate their good faith and commitment to supporting customers who encounter fraud through no fault of their own. Additionally, it would help restore my trust in their services, which I have valued for many years with only this XXXX incident.