davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

In XX/XX/year>, I was alerted by Square of 4 charge back disputes made by an elderly customer of mine that has been a customer for a decade. She didn't recognize my business name and thought it was fraud. I contacted her regarding the matter and she immediately called her credit card company to explain she had made a mistake in error. Square immediately debited my account for the total of {$1200.00}, overdrafting my account. Which is now resulted in charge off status. They have Failed to contact the cc company to retrieve a dispute reversal letter from them after I asked them to do so. They tell me they arent able to. I am a customer of theirs and they charge me a large amount of fees but do nothing for those fees. They did not represent me nor protect me. And this wasn't even a fraud case. This has resulted in my checking going into charge off status, I have No usable bank account. I can not accept credit cards therefore losing business and I come over the past couple of months. I'm being penalized and suffering Unjustifiable consequences that are destroying my credibility, reputation, loss of wages, costing me fees, and ruining my credit bc Square Refuses to handle this case properly and closing it. What do they charge me fees for if they are not going to handle cases on My behalf. All they did was cause me debilitating dire consequences, ruining my livelihood. They created More of a problem for me when this was easily resolvable. For a company that I'm a customer of they certainly are acting against me. I want resolution and compensation for my losses bc of their lack of action in handling this matter properly.
Consumer complaint received 2024-06-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (IL)

I am receiving harassing phone calls that are robo dialed from XXXX XXXX  to XXXX Sunday-Saturdays. I've asked them to communicate with me via email and post mail, and yet they continue to call me. They use very intimidating bullying voice tones and refuse to talk about the fact that they're harassing me. Some callers have said that they would remove me from the calls, and yet Navient people continue to call. I am a retired XXXX on a fixed income. The harassing, the polite bullying, and obscene pressure must stop!
Consumer complaint received 2024-06-11
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. (HI)

This collection agency LVNV Funding LLC is attempting to collect a debt that I do NOT owe in the state of Hawaii and they have reporting this false information on my consumer report which violates both FDCPA and FCRA. I demand that they show evidence that they are justified in collecting such debt by providing all requested documents stated in the attached dispute letter. This includes a notarized signed agreement bearing my signature or an assigned agreement from creditor that also bears my signature. Last I check I did not signed anything authorizing this agency to collect on behalf of the creditor that I conducted business with. Additionally, in the state of Hawaii, a debt collector is required to be bonded and have a license to collect, therefore, I am demanding that they show proof that they are allowed to collect in Hawaii otherwise they would be violating the HFDCPA ( Hawaii Fair Debt Collection Practices Act ). If they can not show any of the requested documents then I demand that they cease all collection activity and delete this item from my consumer report. Lastly, I demand that Lvnv funding show proof that they are licensed and bonded in the state of Hawaii to collect on this debt. If they are not licensed then they are also violating the Hawaii 's state laws.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (NH)

XX/XX/year> wire transfer initiated for {$31000.00} for purchase of auction boat XX/XX/year> money removed from my account XX/XX/year> supplied additional requested info XX/XX/XXXX thru XXXX  called for update told in XXXX XXXX no futher info XX/XX/XXXX call to check was told it had XXXX sent and given tracking # unable to track with # XX/XX/XXXX withdrew same amount from another bank for cashiers check and drove XXXX hours each way to deliver to vendor to prevent loss of asset XX/XX/XXXX called and asked for correct tracking XXXX # was told they do not have it and previous # was their internal tracking as I have had to make alternate payment I request money be returned to my account and fee canceled was told they can't as it has been sent without tracking #
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I, XXXX XXXX XXXX, am a federally protected consumer who extended credit to American Express as of XX/XX/2022 and I am aware that American Express is in violation of my rights. Violations are included in attachments " XXXX, XXXX XXXX, XXXX, XXXX Response 2.pdf '' Please review the attachment, " amex.pdf '' to review my complaint.
Consumer complaint received 2024-06-11
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 am writing to file a formal complaint against Resurgent/LVNV Funding for their ongoing violations of my consumer rights as outlined under federal law. 
Details of the Complaint : XXXX. Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide specific validation information to the consumer. However, Resurgent/LVNV Funding has failed to provide me with any validation information regarding the alleged debt. Despite this failure, they have proceeded to place a collection on my consumer report.

2. Lack of Opportunity to Dispute the Account : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to an opportunity to dispute the debt. Resurgent/LVNV Funding has not given me this opportunity, which is a clear violation of my rights. This has left me without the necessary means to contest the validity of the alleged debt.

3. Use of False, Misleading, and Deceptive Means : Resurgent/LVNV Funding has employed false, misleading, and deceptive means in their attempts to collect the alleged debt. This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from such unfair practices. 
XXXX. Unauthorized Reporting to Consumer Reporting Agencies : In accordance with 12 CFR 1006.34 ( c ) and 15 USC 1681s-2 ( 7 ) ( A ), a collection agency must provide all required disclosures before furnishing any account information to consumer reporting agencies. Resurgent/LVNV Funding has furnished information to consumer reporting agencies without providing the necessary disclosures, thereby violating these provisions.

Requested Action : I request that the CFPB investigate this matter and take appropriate action against Resurgent/LVNV Funding for their violations of federal law. I also request that any negative information placed on my consumer report by this agency be removed immediately until such time that they comply fully with the legal requirements to validate the debt and provide me the opportunity to dispute it. 

Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Phone Number : XXXX Email : XXXX Collection Agency Information : Resurgent /LVNV Funding Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX I have included copies of all relevant correspondence and documentation related to this matter for your reference. 
Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. They are reporting a charge off on several accounts that have been closed without my consent. That debt then became a credit tax write off for XXXX XXXX and is now taxable income for me. However I have NEVER received a 1099C cancellation of debt form from XXXX XXXX for anything they are reporting and this is inaccurate and should be removed. The cancelled debt is being filed on companies taxes and also reporting on my credit report as a debt. This is a violation of 15 USC 1681 eb as there should be maximum accuracy on the consumer report.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (TN)

My credit card was lost or stolen sometime on and or around XX/XX/XXXX because I used my credit card to purchase XXXX XXXX of {$840.00}. This was the only transaction I made XX/XX/XXXX. All charges from XX/XX/XXXX - the entire month of XXXX were unauthorized. I contacted FNBO about the unauthorized charges XX/XX/XXXX and an investigation was started about these numerous about of transactions, which FNBO put into dispute on my billing statement. I informed FNBO my credit card and other personal, cell phone, and information had been compromised because I had several other accounts that unauthorized charges, and FNBO was not the only account. FNBO responded to the dispute in a letter dated XX/XX/year>, which I received XX/XX/XXXX stating my claim had been denied and I participated in these transactions. Please see the attached statements for the transactions. I called FNBO to discuss this further. The fraud representative told me a few notes documented on a few of these transactions and to contact each merchant. The fraud representative told me I stayed at a XXXX XXXX XXXX. I have never stayed at a XXXX XXXX XXXXXXXX ever in my life. The infomation FNBO collected is wrong and incorrect.
Consumer complaint received 2024-06-12
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: SLM CORPORATION (AE)

A hard inquiry that I do not recognize. It was made from Sallie Mae Bank which is a bank I dont recognize. The inquiry was made on XXXX XXXX. Also I received an email saying my DOB and social security number was found on the dark web. I would like to dispute that inquiry which was a hard inquiry and the fact that my information was found on the dark web.
Consumer complaint received 2021-12-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc. (GA)

Car leased from Tesla leasing for 2 years and lease extended by another 6 months. 
Appointment made as per instructions to return the leased car on XX/XX/2021 XXXX car, odometer reading was taken at Tesla dealer site, handed back both keys. 
Had me sign a paper but never got any confirmation copy of returned vehicle paper. 
Asked about the final paperwork confirming return and was told Tesla Lease would be touch as the place of return was just the Tesla dealer store. 

Had made the full XXXX payment from XX/XX/2021 but returned car on XX/XX/2021. 
Impossible to get anyone on the Tesla lease phone, so sent multiple emails asking about refund on excess paid. 
Was informed that since I did not upload inspection photos, they were waiting for dealer to do that. Nowhere was it mentioned I needed to upload inspection photos when appointment was made to return the leased car. Dealer could have done it at the time car was returned but nothing was done, except key taken back, odometer reading jotted down, and a form that I had to sign. 

Kept continuing to get bills to pay lease amount for XX/XX/2021 due XX/XX/2021. 

A couple of days ago received a bill from Tesla lease saying I owed alomst a {$1000.00} for wear & tear. No explanation, no breakdown of costs and why. 
Emailed asking for details. Was informed a breakdown saying a key was missing and for replacement of all tires and rims. 
Upon stating & insisting both keys were returned, they agreed to take off the {$25.00}. I have asked for copies of the photos based on which I am being charged the wear & tear... .something that should have been sent with the bill as proof! 
The photos were sent but what is the proof these are from the car I returned. 
This is the reason the inspection, photos and paperwork needed to be done while I was present when I returned the car! 

Today my account for the already returned vehicle shows it was returned XX/XX/2021 and now the balance is at {$1300.00}! Am being charged for XXXX lease payment too while the car was returned on XX/XX/2021. 

It has been an absolutely frustrating experience returning the leased vehicle, with getting someone to look at all the information and provide a resolution. 
Plus all the extra charges which had never been mentioned nor the process completed properly, so no proof for the customer. Intentional? 

Much as the experience was so smooth, easy, courteous at the time of doing the lease, it was the worst for returning a lease! Tesla lease seems to be trying to rip customers off, and especially where my vehicle mileage on return was well below the allowed limit and where the car had been kept in a good condition. 

Never again will I lease from Tesla Lease and will inform all I know to also not to do the same!
Consumer complaint received 2024-06-11
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: WELLS FARGO & COMPANY (TX)

recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (AZ)

My old mortgage company sold my loan to NewRez but I was never notified. Then, I had a payment taken out, a wire transfer put back in, with a XXXX XXXX charge and then the money taken out again. This is abnormal since I used to make the payment and an overage payment.

I have two issues which are Federal violations for the bank. I was not notified of the transfer and they owe me XXXX . My mortgage company stole XXXX XXXX from me and did not even tell me who they were. 

I would like a manager to contact me immediately!
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-12
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. (FL)

This evening, I was stunned to see that my credit report now shows incorrect accounts, and Im completely baffled as to why. Ive always been diligent about checking my report, but suddenly, these errors appeared. I even tried refreshing my browser to rule out a technical issue, but nothing changed. Im asking for a thorough review of the documents I provided, so I can stop worrying about this once and for all.
Consumer complaint received 2024-06-11
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. (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!!
Consumer complaint received 2024-06-11
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: Resurgent Capital Services L.P. (GA)

LVNV FUNDING ACCT # XXXX AMOUNT {$18000.00} ACCT # XXXX AMOUNT {$5000.00} ACCT # XXXX AMOUNT {$540.00} ACCT # XXXX - The debt collector has failed to provide me with an original contract for the accounts listed above. Account summaries & bill statements are not verifiable documents 1692 ( a ) ( 2 ) Page 97-99, The alleged original contract between the creditor & debt buyer does not specify what accounts theyre transferring ownership of.

Page 100, Declaration of Account Transfer In the lieu of this transfer I was not notified of the debt being transferred from Resurgent to Lvnv funding nor did I sign any contract agreement giving them the right to. If I did they need to send proof of an original contract with all parties signature including mine to verify. 
1692g ( b ) As for LVNV FUNDING ACCT # XXXX AMOUNT {$18000.00} This account has several inaccuracies, from the ending balance to the reporting balance, payments & its open account status. Not only that LVNV Funding has yet to provide me with an original contract signed by all parties including me proving they have the right to collect on this alleged debt.

Under USC 15 code 1692g ( b ) I demand LVNV funding send me proof of the alleged debt to these accounts. I am requesting the Original Purchase Agreement signed by all parties including me, Original contract establishing account with creditor proving the account belongs to me, documents must be signed to be verified.The Original Terms & Conditions of each alleged debt, and the date of the first delinquency with original creditor. Account summaries, bill statements & inconsistent documentation is not verifiable.

LVNV Funding has 10 days to respond to this complaint, not Resurgent, they are not the owners of the alleged debt. According to page 100 the debt was transferred to LVNV Funding from Resurgent Acquisitions. LVNV Funding needs to provide me with the original contract with all parties signature including mine, giving them the right to collect on this alleged debt. LVNV Funding also needs to contact the original creditor to specify what accounts were sold for ownership, the bill of sale on page 97, doesnt specify what accounts are for sale nor do they specify the ones that are being sold. Furthermore LVNV Funding must provide me with an original contract with all parties signature including mine for each account not just one. If unable to verify this is a direct violation of the FCRA & all of these accounts need to be removed from my credit report.