davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital Services L.P. and LVNV FUNDING LLC are using deceptive forms to verify debt and reporting said debt to my credit file. This debt is inaccurate & unverifiable. I demand that Resurgent Capital Services L.P. and LVNV FUNDING LLC cease debt collection activities & remove this inaccurate, unverifiable debt from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2024 Dear Sir/Madam, I am writing to dispute and express grave concerns regarding the deceptive forms you have furnished in connection with your debt collection efforts. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing 15 U.S. Code 1692j, which prohibits the use of certain deceptive forms in debt collection activities. 

Account Data Listed Is Fraudulent Account Data Is Fraudulent & Inaccurate. Delete It Immediately. 

Your collection practices have included forms that misrepresent or deceive consumers, which is a clear violation of federal law. Section 1692j of the FDCPA explicitly prohibits debt collectors from using forms that are likely to create confusion or mislead consumers about the nature or status of a debt. 

I demand that you immediately cease using any deceptive forms in your collection activities and provide assurance that such practices will not continue in the future. Additionally, please provide me with copies of all forms and documents you have used in connection with your attempts to collect this debt. 

Furthermore, I demand the immediate deletion and removal of the debt you are attempting to collect from your records. This debt is disputed and violates the FDCPA. Therefore, any further attempts to collect or report this debt will be considered a violation of federal law. 

I expect a prompt response to this dispute letter, confirming that you have ceased the use of deceptive forms, providing me with copies of all relevant documents, and confirming the deletion of the disputed debt from your records. Failure to comply with these legal requirements will result in my pursuit of all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action against your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX See attached forms.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital Services L.P. and LVNV FUNDING LLC are using deceptive forms to verify debt and reporting said debt to my credit file. This debt is inaccurate & unverifiable. I demand that Resurgent Capital Services L.P. and LVNV FUNDING LLC cease debt collection activities & remove this inaccurate, unverifiable debt from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2024 Dear Sir/Madam, I am writing to dispute and express grave concerns regarding the deceptive forms you have furnished in connection with your debt collection efforts. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing 15 U.S. Code 1692j, which prohibits the use of certain deceptive forms in debt collection activities.

Account Data Listed Is Fraudulent Account Data Is Fraudulent & Inaccurate. Delete It Immediately.

Your collection practices have included forms that misrepresent or deceive consumers, which is a clear violation of federal law. Section 1692j of the FDCPA explicitly prohibits debt collectors from using forms that are likely to create confusion or mislead consumers about the nature or status of a debt.

I demand that you immediately cease using any deceptive forms in your collection activities and provide assurance that such practices will not continue in the future. Additionally, please provide me with copies of all forms and documents you have used in connection with your attempts to collect this debt. 

Furthermore, I demand the immediate deletion and removal of the debt you are attempting to collect from your records. This debt is disputed and violates the FDCPA. Therefore, any further attempts to collect or report this debt will be considered a violation of federal law. 

I expect a prompt response to this dispute letter, confirming that you have ceased the use of deceptive forms, providing me with copies of all relevant documents, and confirming the deletion of the disputed debt from your records. Failure to comply with these legal requirements will result in my pursuit of all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action against your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX See attached forms.
Consumer complaint received 2020-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

The original loan that was through the Department of Education came through Navient between XXXX - XX/XX/XXXX. The phone call made XX/XX/XXXX specified the amount totaling {$25000.00} which is included in a debt consolidation program which starts with XXXX XX/XX/XXXX. A bill came in the mail dated XX/XX/XXXX from a collection agency, XXXX XXXX XXXX XXXX XXXX in the amount of {$8200.00}, claiming that it was transferred from Navient as a federal loan comprised of 6 loans. When calling to dispute the debt, the person on the phone claimed that not only does the dispute have to be in writing with a time limit of 30 days from the date of the letter, that they do not have any information on hand of the debt in question but it was considered in good standing and is being sent back to the company. The debt collector proceeded to ask about account numbers and amounts of the loan. 

This letter came soon after I had applied through the XXXX XXXX XXXX program for debt consolidation that was applied for in the beginning of XXXX of XXXX. I have paid automatically every month on this " loan '' for over three years with the payment coming out with the name " XXXX XXXX '' for {$300.00} a month, which was agreed upon. I do not have any further information on the debt in question except for the last four numbers of the account. The debt collector would not even give me my own account number for the bill they had sent to me to collect said debt.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is shifting transactions in order to make you go negative or negative multiple times. I have printed up my account history just to show you an example but they processed a transaction on XXXX XXXX then lifted the transaction and processed again today XXXX/XXXX/2017 to make me go negative, what they do is reverse small transactions when a larger one appears so the larger will put you in the negative, then they charge the smaller again. when if they simply charged the original smaller transactions you would not go negative because the larger would be denied. but, they have developed an algorithm to make sure no matter what you go negative when the opportunity arises to deny a charge. with this they do not give you any time to pay of the negative account balance before they charge your account. this has been happening for months but unless you literally print up your account statement every day it is next to impossible to have proof because they delete all previous transactions. they are literally stealing from me and making sure it happens on a monthly basis.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (GA)

My account with VW CREDIT INC was never late! I have had exceptional payment History With VW CREDIT INC and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it 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 in XX/XX/2024 to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of 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 USC1666b ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
VW CREDIT INC never sent the periodic statement along with the disclosures from section XXXX ( 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 a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports VW CREDIT INC - XXXX
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Either the bank made an error or my account was hacked over XXXX dollars was sent to someone name XXXX using XXXX. I did not send these XXXX  transactions. I contacted the bank spoke to a manager named XXXX he said he I would get all my money back and I would get a credit within 10 business days. I just received a letter in the male saying no error was made and my account would not be credited. How can they do this my account was drained all my money for rent, food, transportation is gone.. Please help me get my money back. 

It is citizens bank Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (NJ)

I purchased a XXXX XXXXXXXX XXXX  from XXXX XXXX  in XXXX NJ. I paid in full, a check for {$25000.00} on XX/XX/XXXX. I started receiving emails from Westlake Financial Services that I owed {$420.00} a month for a loan I didnt sign for. They sent me a contract with an electronic signature that I did not sign. They reported me to XXXX that I have a loan with them. I have called them numerous times to no avail, I spoke with XXXX XXXX, the manager of XXXXXXXX XXXX he told me it happened to another customer that paid cash. He told me he would have it removed. He didnt.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo (MD)

Kovo stated on credit report missing payment when account is set up on automatic payment for XXXX amount and didnt report such till 6 months later also had the months reporting different on each credit reporting agency different on XXXX XXXX was showing XXXX missing payment now its switched to XXXX and considered updated after inquiring with the company and requesting to close the account for incorrectly reporting and affecting my credit score significantly.
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Happy Money, Inc. (OH)

I request a payoff quote mid XXXXXXXX XXXX XXXX and was provided a quote of {$220.00}. However when I looked online the payoff amount was different. When I contacted the lender the representative failed to initiate an investigation as to why there was a discrepancy and told me if I chooses to pay a different amount that was on me. I again request a payoff in XXXXXXXX XXXX XXXX and was provided a payoff amount of {$210.00}. I mailed in the money order and upon calling to verify my payment was received was informed the company would not honor the payoff quote provided due to an error in their system. Once the payoff payment was processed a representative found there was a discrepancy of {$210.00}. In speaking with a collections manger I requested an amortization schedule based on my payment history as I have been paying an addition amount of {$20.00} dollars for the past 2 years. What I received was a standard amortization schedule based on my loan contract not accounting for my actual payment history. I was told XXXX XXXX did not process the capability and had no way of proving the additional amount is owed. I also asked why it took 45 days to notice and correct the error and was not provided an explanation or verification.
Consumer complaint received 2017-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I too k 6 h ours  of   XXXX    classes   XXXX    2014 and s hould have qualified for a deferment. My school participated in the clearinghouse and does not provide proof of attendance as this is supposed to be reported to the servicer electronically. Rather than giving me the benefit of the deferment, the loan servicer offered a modification and included capitalized interest and fees that would not have been due had the deferment been granted as required. As a result, these things were added to the total balance, and my credit report was negatively impacted.
Consumer complaint received 2024-03-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Troy Capital, LLC (FL)

Troy Capital , LLC a debt collector failed law sue in XXXX XXXX to seek dames in the amount of XXXX. However, XXXX XXXX XXXX , XXXX sold the Vehicle for {$6400.00}. 

I want Troy Capital , LLC. to provide me with written documents to indicate how did they determine a balance was own in the amount of {$3700.00} when XXXX XXXX XXXX , XXXX sold the Vehicle for {$6400.00}.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (FL)

I received a letter from Alliance One Receivables Management Inc, saying that I owe the Florida Department of transportation toll-by-plate {$130.00}. This is not my debt. If this is my debt I would like proof. I just renewed my registration in XX/XX/year>. If indeed this was my debt I wouldve not been able to renew my registration. 

Sincerely XXXX XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRUIST FINANCIAL CORPORATION (MD)

Sheffield Financial contacted me ( XXXX XXXX XXXX and left a voicemail. In the voicemail, the caller identified my brother XXXX XXXX XXXX XXXX, the caller 's employer ( Sheffield Financial ) and a contact number. This is in violation of the FDCPA and would not be a limited-content message as they identified the consumer ( XXXX XXXX XXXX to a third party ( me ). I did not know my brother owed a debt before the voicemail.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (PA)

I initiated a balance transfer through Chase Credit Cards in the amount of {$3500.00}, from an XXXX XXXX XXXX credit card to a Chase credit card. The transfer posted to my Chase account on XX/XX/24. However, XXXX XXXX XXXX XXXX claims that Chase did not release the funds to them. I submitted case with Chase however they were not able to identify if the funds were sent to XXXX XXXX XXXX XXXX. I am getting charged late fees at XXXX XXXX XXXX XXXX due to Chase 's negligence. 
.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX/XXXX/XXXX a " Small Balance Adjustment '' of {$0.00} was removed from my BankAmericard Cash Rewards Signature Visa card account. 
This transaction was quoted as a " Small Balance Adjustment, Transaction Date : XXXX/XXXX/XXXX, Card Type : Visa and Transaction Type : Fees. 
As Bank of America is aware similar " Small Balance Adjustment '' fees have been removed from my account on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX and again on XX/XX/XXXX. 
I was informed on many occasions by Bank of America that this is a system error and given various dates as to when this system error will be corrected. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
As per information provided above this same error has occurred seven times in the last eight months. 
Per a recent letter dated XXXX XXXX, XXXX form Bank Of America, signed by XXXX XXXX, Bank of America is diligently working to resolve the issue and is unable to provide a date on which the matter is to be resolved. The meaning of the word diligently, " showing persistent and hard-working effort in doing something ''. This same issue have happened for the last 7 months. Please resolve this ongoing issue so I can use my Bank of America Cash Rewards Signature Visa card account knowing I can trust Bank of America to process by account in an error free environment. In your recent reply you indicated the problem exist because I continue to remit payments to the account although there is no balance owed and/or a credit balance exists on the account. If you diligently resolve the system error that is causing this small balance adjustment the matter would be resolved.
Consumer complaint received 2022-12-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent a letter addressed to the Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX {$760.00}
Consumer complaint received 2016-06-05
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX continues to pursue debt collection activity on a debt without validation and reporting false and incorrect information to all three credit bureaus. 

XXXX has responded to multiple complaints referencing I have filed a suit against their predecessor and them. However, XXXX highlights they were granted a No-evidence motion for summary judgment and a pending lawsuit against their predecessor, Bank of America, validates their debt collection activity. XXXX claims they ca n't verify or validate their debt collection activity until the lawsuit against their predecessor is adjudicated. 

Bank of America 's summary judgment was denied on XXXX out of XXXX claims including fraud. 


XXXX should not be able to pursue debt collection activity until the lawsuit against their predecessor is adjudicated. XXXX only has the right to pursue collection on what their predecessor had to transfer. Bank of America has not proven any right to collect the debt that was transferred. 

At the time Bank of America transferred the debt tp XXXX, Bank of America NEVER denied an allegations in the lawsuit that was filed on XXXX XXXX, XXXX. Bank of America sought to file an answer to the lawsuit in XXXX XXXX. The Court 's decision granting Bank of America to answer the lawsuit almost two years late is pending in the XXXX XXXX. However, Bank of America transferred the XXXX balanced debt to XXXX on XXXX XXXX, 23 months after the lawsuit was filed against them.