davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LNVN Funding sued me for a debt collection on XX/XX/XXXX. I obtain an attorney to represent me in this matter. 

On XX/XX/XXXX my attorney submitted this to the court : DEFENDANTS ORIGINAL ANSWER TO THE HONORABLE JUDGE OF SAID COURT : COMES NOW Defendant XXXX  ( hereafter Defendant ), and files this Original Answer. Defendant would respectfully show the Court the following : I. GENERAL DENIAL 1. Defendant enters a general denial to the allegations, each and singular, contained in Plaintiff 's Original Petition pursuant to Rule 92 of the Texas Rules of Civil Procedure.

II. DEFENSES 2. Limitations : Plaintiff 's breach-of-contract claim ( and alternative claims, if any ) may be barred by the applicable statute of limitations. Defendant may conduct discovery to determine whether the facts in this case support the defense.

3. Offset : Plaintiffs breach-of-contract claim ( and alternative claims, if any ) may be barred by the failure to offset amounts already paid. Defendant may conduct discovery to determine whether the facts in this case support the defense.

WHEREFORE, PREMISES CONSIDERED, Defendant prays that the Court deny any and all relief sought by Plaintiff and enter a take-nothing judgment against Plaintiff. Defendant prays for general relief. 

On XX/XX/XXXX the firm representing LVNV Funding submitted this to the court : PLAINTIFF 'S NOTICE OF NONSUIT WITHOUT PREJUDICE Plaintiff, LVNV Funding LLC ( " Plaintiff '' ), hereby files this its Notice of Nonsuit Without Prejudice as to the above referenced cause of action asserted against XXXX. 

On XX/XX/XXXX the Judge ruled with this : ORDER On this day came on to be considered the Notice of Nonsuit Without Prejudice filed by Plaintiff LVNV Funding LLC. The Court, being advised of Plaintiffs nonsuit, hereby ORDERS that the above-entitled and numbered cause be dismissed without prejudice as to re-filing of same as to the above referenced matter asserted aganist Defendant XXXX  with all cost taxed to the party incurring same. 

On the same day I received this from my attorney : Dear XXXX  : Congratulations!! We successfully got your lawsuit dismissed. Your case is over, and you don't have to pay the debt. If there are any fees remaining, they will be charged in accordance with your retainer agreement with the law firm.

This concludes our representation of you on this matter. Please contact your case manager if you have any questions, and thank you again for choosing The XXXX XXXX XXXX to help you with your lawsuit.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

I have not been supplied proof under the Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I owe no debt and this company is violating my consumer right to privacy pursuant to the Privacy Act of 1974 and 15 U.S.C 1681. Plus Finance has no permission to report unfair and inequitable information per Fair Credit Reporting Act.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NV)

In accordance with the Fair Credit Reporting act PayPal mastercard account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason. I have not been conspicuously informed of my right to opt-out of such disclosures, contrary to 12 CFR 1016.7
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MM RV JV 1, LLC (SC)

I submitted a refinance application with Interest Mortgage, I reviewed the application several times with the loan officer and i repeatly state my interest in only paying for an Appraisal if and when I was conditional approved and the appraisal being the only item needed to clear and approved my loan request. The loan officer stated several times, that he will only ask me to pay for it, if that was the only thing keeping the loan from clearly/approved. After several delays, my applciaiton being reasigned to another processor and many emails to obtain a status. I finally after several weeks of waiting, recieved a conditionally approved mortgage with the only items to clear, being statement of debt that I would pay off at closing and the appraisal. I was quote {$530.00} for the appraisal, which i paid for and after waiting several weeks for an appraiser, i received an email stating that my appraisal cost increase and I would need to pay the difference of {$65.00} dollars, I ask questions and ask for proof which none were provided. In the middle of this, my processor was change and out of the blue, i received a call from the worst appraiser in the country to schedule an appraisal. I reach out to the processor and was inform the company would pay the difference, that is agains the law for the mortgage company to pay for an appraisal for any type of loan. XXXX XXXX XXXX. After waiting several weeks, i received a letter from the compay stating my loan was denied due to insufficient income to loan. Which was something that was clear from the beginning of the applicaiton process. 

I have ask the mortgage company for the refund for the appraisal since, i have mutiple times request that i would only pay if my loan was required as the final items for final approval. this mortgasge company stole my money and send a bogus appraiser to conduct the appraisal that was corrected two times.

I am asking for a full refund of my {$530.00} dollar i pay for a services I did not recieveed as expected.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My account with 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 in 60 days 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.

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 8
Consumer complaint received 2024-10-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America took a XXXX Credit Card debt of {$510.00} on XX/XX/2024, and offset my XXXX checking account. I have a Business Checking Account that is tied to the XXXX Credit Card where an offset is allowed as I have been notified regarding that. But nowhere have I ever commingled my XXXX Bank Account with the XXXX XXXX account. I have XXXX funds and some social security funds going into my personal account. Please let me know if this is allowable.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i disputed this information on my credit report : account receivables performance # XXXX with all the XXXX credit report bureaus because of inaccurate information, XXXX and XXXX responded with the deletion of the unverifiale and inaccurate information, however transunion refused to delete and claims this information is verified, i believe transunion did not do a proper investigation on this account, i do not owe that amount indicated in the collection account, this information is causing great harm to my profile, i want to give transunion the opportunity to delete this information immediately, before i escalate this dispute through a legal process. i have attached copies of the outcome of the disputes that i sent with the the other credit bureaus including transunion
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Experian purchased a fraudulent contract from Attorney XXXX XXXX XXXX. The XXXX XXXX XXXX firm has absolutely no proof that they have rendered any service amounting to that amount. I paid them a small amount for a 30 day eviction notice. That is the only service that they performed for me. All anyone has to do is contact the XXXX XXXX XXXX firm and ask them for any documentation supporting their claims. Experian did not do that. Experian tells me that they are not required to check the validity of claims.
Consumer complaint received 2024-11-26
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: I.C. System, Inc. (CA)

On the first of XXXX, I phone called I C Systems about a collection notice saying that my scored had dropped XXXX some points due to a XXXX dollars collections owed to XXXX XXXX XXXX. I called made the payment and requested a copy so that I could show paid in full to the three credit agencies as of today, after calling on two more occasion reporting that I never received an email as promised to show that I paid and so that I could send to the three credit agencies to clear my record and to increase my score as I am trying to make a big purchase and I need my score to reflect the positive score that I had until. I was treated with utter disdained and disrespect from the individual who was on the phone. Even the manager treated the incident as if it was not important or did not require expediency by saying that they will send it but only I would have to wait 24 hours. After several weeks, 24 hours has come and gone and I still have not received an email nor any other form of communication from I.C. Systems to reflect payment made. This is a request for a receipt for payment made for which I have performed my part to settle the payment in full yet, they have not provided me a receipt with a simple email. All three times I called I got the same run around with them saying, " our record show that you paid and we sent an email. '' I kept telling them no email has ever been sent from them since the first of XXXX and if it was I would not be on the phone with them talking because it would not be of a need. But they were all very non-chalant in their demeanor and I have yet to get a credible receipt for what I paid to show it was paid in full as promised. Therefore, I pray your office can stop this madness from this giant collection agency who represent XXXX XXXX XXXX. I will await to see what this office can do to intervene. These are trying times and if I, who owns a XXXX XXXX XXXX newspaper, is getting treated like this I pity those who are less likely to even follow through and lose everything due to collection fraud as I.C. System is demonstrating. Maybe they are too big to care. But I do and I hope the CFPB care about the people as an intercessor on our behalf. Thank you for your attention to this matter of importance.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) remove from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-11-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Skopos Financial, LLC (IN)

I called for them to stop the automatic payment that would overdraw my account and was told they would refund the double payment after it cleared. I explained that I had not signed up for auto payments and my online account had info on it about me signing up. I was then told if I wanted to cancel the auto payment I would need to provide them with a verification code they would send me.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (TX)

Hello, My mortgage was sold and transferred to Shellpoint/Newrez mortgage back in XX/XX/year>. Ever since this transition occurred I have not been able to access my mortgage online. I have called numerous times and talked to several representatives and I have been told several times that they had an issue downloading some accounts to their system. My issue is that this has gone on for two months now and it still hasn't been resolved. I'm totally in the dark with what's going on with my mortgage since they are unable to figure out their system issue. I'm unable to make payments online or see other important mortgage information. 

Please help me with this issue. As a consumer I have no idea what to do next, I feel like I'm out of options and none of this is my fault. It is Shellpoint/Newrez 's system issue that they need to resolve. 

Thank you
Consumer complaint received 2015-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

Portfolio Recovery is again calling my cell and violated..I requested more then once all contact should be in writing and no phone calls.Both in writing and in my complaint here as well. Please refer to my complaint XXXX.Today I received a call to my cell phone at XXXX from Portfolio Recovery.Each phone call I have received is a violation.They have also sent me another letter again admitting they can not complete an investigation.Yet they continue to harass me.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

I am formally disputing any unsubstantiated or inaccurately documented information contained within my credit report, as stipulated by the FCRA and Metro 2 data field reporting standards. It is imperative to emphasize my inability to acknowledge allegations of delinquency and derogatory remarks without concrete supporting documentation, which is required by both federal and state laws for accurate and complete reporting. Reporting claims that contravene legal standards is inappropriate, and I urge you to ensure the factual and correct reporting of all claims, in accordance with the Metro 2 reporting standard. Furthermore, I kindly request the provision of tangible, verifiable evidence confirming the existence of the account and its permissible use, as mandated by the Metro 2 standard. Should such evidence be unavailable, I respectfully request the removal of said account from my credit report. Additionally, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (AL)

I am writing to express my deep concern regarding the disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file, hindering my ability to manage my financial affairs, and impacting my daily life. The negative consequences of these inaccuracies have caused immense hardships, leaving me no choice but to urgently seek your assistance in rectifying this situation. 

I kindly request that a comprehensive investigation be conducted into the reporting of each disputed account. It is imperative that the necessary steps are taken promptly to update and correct my credit report. Your immediate attention to this matter will help restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to prioritize this issue and take swift action. Your cooperation and support in resolving this matter promptly will be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The accounts above have violated my rights 15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.C 1681 section 604A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the fallowing items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 
15 U.S.D 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.