davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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. (MI)

To : Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint against LVNV FUNDING Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV FUNDING for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that LVNV FUNDING placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with LVNV FUNDING, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that LVNV FUNDING provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If LVNV FUNDING is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with LVNV FUNDING is blatantly false. I neither received any services or products from LVNV FUNDING nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 
Moreover, it has come to my attention that LVNV FUNDING is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of LVNV FUNDING constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 
Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1861 C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) no consumer reporting agency may also make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s 2 ( a ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time. '' I am opting out of your reporting services. Under 26 USC 108 SEC.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX  XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NV)

On XX/XX/XXXX I called XXXX XXXX Barclays XXXX XXXX to close the card since i do not use the card. When I opened the card in XXXX of XXXX I paid a {$99.00} annual membership fee upfront for the year. I am now closing it 5 months later since i do not use it. The credit card company is refusing to issue me a prorated refund for the remaining 5 months in annual membership dues since the card is closed. They closed the card without first advising me that the annual fee is non refundable. I spoke to a supervisor, XXXX, who told me " they just dont do that '' and " its understood that the annual fee is non refundable ''. I've looked over their terms of service, and i do not see anywhere where it states that the annual fee is not refundable. Please refund my remaining annual membership fee for the remaining months that the card remains closed.
Consumer complaint received 2024-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (KS)

I received a bill in the mail from Lockhart , Morris & Montgomery , Inc for {$520.00} around XX/XX/XXXX, I called them and asked what the bill was for. They said it was a medial charge from a medical facility in XXXX Texas from XXXX. They asked me to verify my address, social security number and date of birth, I did not give them any of this information so I asked what address they had on file, they said a XXXX Oklahoma address that I am not associated with, they gave me the last four of the social security number on file and it was not correct, they then gave me the date of birth and it was not correct. I contacted the medical company that sent them claim and they said they didnt have any of my information on file. I can't remember the name of the company. 

I spoke with Lockhart again and they said I must contact a credit reporting company, so I filed disputes with XXXX, and they were able to get this removed from my report. I then later applied for a home loan and found out that this collection was still reporting on my credit report account along with other accounts and addresses that were not mine, so I filed a credit dispute with XXXX, XXXX and XXXX. 

XXXX and XXXX were able to get it resolved on my credit report, but XXXX is claiming it's my debt. I filed three credit disputes, though XXXX and they keeps telling me there is nothing they can do, and Lockhart keeps telling me I must take it up with the credit reporting company.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Venmo took my money and froze my account now i cant access it for XXXX days and all i did was transfer some payments that was already in my venmo balance. I did not nothing wrong and venmo decided to ban my account and hold on to my money please help me i need that money to get back some important documents that was stolen from me a few weeks plus to live venmo cant just take people 's hard earned money like that it's unjust and unfair and they dont even tell you what u did wrong i feel so helpless and stress this is causing emotional stress from ever since i couldn't access my money
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Service Center, Inc. (PA)

I had services completed at XXXX in XXXX  PA in XX/XX/XXXX. Due to them updating their billing system which lingered, I didn't receive a billing statement from them until mid to late XXXX. When I received my bill it was for an incorrect amount which lead to me waiting another 6 months or so to get an updated bill. I received a bill in XX/XX/XXXX or XX/XX/XXXX and paid that statement in XX/XX/XXXX. I was reported to Collection Services Center in XXXX XXXX PA due to the payment passing in the mail with the debt reporting. When I received my first collection notice in XX/XX/XXXX from CSC I called XXXX to see why I was reported when I paid. They said they'd make the collection services aware that I paid. They never did. I received another collection notice in XX/XX/XXXX which ultimately lead to a hit on my credit report even though I paid back in XXXX. I was denied a loan because of this and my credit score plummeted by 80 points. I disputed with XXXX  and they denied my claim stating the information is correct and I owe money. I called XXXX several times and CSC regarding this matter and they act like I'm in the wrong and just say 'sorry ' when I bring it to their attention. I paid in XXXX and the collection service was never notified which is what should have been done.
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (TN)

On XX/XX/2024. I made XXXX payments to Southeast Toyota Finance for {$430.00} and {$830.00}. The due date is XX/XX/2024. These accounts are validated showing payment to them from my XXXX XXXXXXXX XXXX  ending in XXXX. 

We received a statement dated XX/XX/2024 that we owe an additional XXXX which they are trying to double bill us for. In addition, they added a late fee of {$180.00} to it. After speaking with an agent there, my husband was told they could not find any payments even though we can show it occurred. Now, this is fraud based on them as well as extortion. If we can show we paid, and they want to double the amount when everything was done timely, they intend to take more than what is required. 

We want this to be public so others who are associated with STF will know what they do and to know they have tried to extort others in their corrupt practices.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

They are reporting a collection account on my Equifax credit report for XXXX XXXX XXXX in the amount of {$220.00}. This is not my account and is id theft. This collection account was already removed from my XXXX credit report. I have disputed this item several times with the credit bureau and the creditor.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against CKS Prime Investments , LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CKS Prime Investments , LLC for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** CKS Prime Investments , LLC has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that CKS Prime Investments , LLC ceases such practices immediately. 

4. **Failure to Provide Disclosures : ** CKS Prime Investments , LLC has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by CKS Prime Investments , LLC XXXX and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between CKS Prime Investments , LLC , and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of CKS Prime Investments , LLC. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Sammamish Mortgage Company (WA)

Sammamish Mortgage has an ad floating on XXXX showing a 6 % rate with {$0.00} origination fee for any loan at or under $ XXXX, 25 % down and a 800+ credit score.

I called for a quote with those exact terms, and they said the rate was 7.375 %. I also know its illegal to advertise rates and terms. 

I know others have complained about this and they continue to have these advertisements month after month and you arent doing anything about. Its a poor reflection on you guys and is horrible for the consumer when trying to budget for a home. Fix this once and for all.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Called on XX/XX/2020 to see why my XXXX deposit was placed on a 5 business day hold. This was money from my in-laws that have plenty of it. Why am I being treated like a criminal and not given access to my money on XX/XX/2020. Dispite telling them this i can't get approved to use.
Consumer complaint received 2024-02-27
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: WELLS FARGO & COMPANY (MA)

I have a fraud transaction that happened over my limitation and Wells Fargo allows that happened without gave me any notification. And their service is not help at all. Those people are rude and wont give me any feedback on my fraud dispute claim.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I had my chase account for less than a week and they have already randomly closed my account. 
I opened my account on a Friday and was informed by the banker that I could XXXX my money from my other institution to Chase and use XXXXXXXX XXXX XXXX . Well apparently I was misinformed, because Tuesday afternoon I received a message prompting me to call because my account was restricted which I then proceeded to call to only be notified that they have decided to close my account and I have to wait for an investigation and 10 business days to receive my money in the mail and that I couldnt even go to the branch to receive my money from the now closed account. The representative was also ignoring my questions and not answering anything as to why my account was even closed. PLEASE avoid chase bank I was in the middle of buying a car only to be let down with a locked up closed account. 
They XXXX!
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

1. I complained after trying to talk to company 's custoemr care and seemed like no one was helping. I also complained the company by email and followed up other complaints to get this resolved.

2. Company reversed the incorrect charges and also allowed on my third attempt to make the payment.
3. On my request company assisted in closing the store card.

4. Also, company 's management reached out to me yesterday, heard my grievance and assured will take care of this for future.

5. I think, my issue is resolved and i hope for future will have better experience if i choose to build a relationship with bank again.

Thanks for all help CFPB and thanks for Company 's management to resolve this matter amicably.
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

The XXXX communication equipment was returned back in XXXX. I moved from XXXX XXXX, XXXX, Tx to XXXX XXXX XXXX. I have over the years sent credit letter challenging to no avail. This account /collection has re-aged this account for years costing me multiple denials including a refi. According to FCRA Section 623 ( 5 ) ( a ) they are in violation of re-aging this debt. it the original account was from XXXX then by XXXX a charge-off/collection process in say XXXX why in XXXX are they still reporting and attempting to collect a debt I do not own. Unfortunately from moves the box with important document is lost however this debt is still a re-aged debt that I want deleted from all reporting agencies including XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AES/PHEAA (OH)

AES/XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX XXXX XXXX  Phone ( XXXX ) XXXX Is continuing to verify to the CRAs that my student loan was delinquent. My loan was always in a paid, deferments or forebearance status when it was held by AES. 
Further AES is infamous for their mishandling of the loans and giving poor advice to their customers. 

Recently they have verified again information that it was delinquent and they are unable to provide me with any proof that this is accurate.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Time & Date : XX/XX/year> around XXXX Location : Bank of America ATM ID : XXXX. Near Gates XXXX of XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} of cash into the ATM, an error occurred with the machine. Cash was not returned. It didn't reach my checking account either. It just took my money. Here are the actions I took : 1. Called the number on the atm immediately : XXXX XXXX XXXX to report the incident. No one picked up as it was XXXX 's XXXX. 
XXXX. On XX/XX/XXXX, called the BoA customer center and reported the issue. Got a claim number : XXXX. They told me they would give me credit for the missing cash deposit. They also told me that researching would complete in 45 days. 
XXXX. On XX/XX/XXXX at XXXX, I visited a bank branch in XXXX XXXX WA to report the issue once more. They told me that ATM department is separate from the banking department, and there was nothing they could do for me. The banker tried calling internally, but no one picked up as it was late in EST. 
4. Deposit didn't come through. No pending deposit sign. No credit granted. No further action taken by the bank. The status of the investigation is still " researching claim ''. 45 days of research is way too long for the amount of money at stake.