davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (VA)

On XX/XX/year>, I submitted a formal request to LVNV Funding LLC for validation, proof, and verification of an alleged debt they claimed I owed. This request was made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I followed up with two additional requests on XX/XX/year>, and XX/XX/year>, as I had not received any response from LVNV Funding LLC.

To date, LVNV Funding LLC has failed to provide any documentation substantiating their claims, as required by federal law. Despite the absence of validation, LVNV Funding LLC has reported this alleged debt to credit reporting agencies, negatively affecting my consumer credit profile. These actions violate my rights under both the FDCPA and the Fair Credit Reporting Act ( FCRA ).

I am seeking immediate action to have all entries related to this alleged debt deleted from my credit report, as well as permanent removal of any information regarding this account from LVNV Funding LLCs database. Furthermore, I demand written confirmation that this matter has been resolved.

If these actions are not taken promptly, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies under the FDCPA and FCRA.
Consumer complaint received 2024-09-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (IN)

I went to Nordstrom in XXXX XXXX and purchased XXXX items on XX/XX/year> a dress and a XXXX  tank top the bill was {$130.00} around there and then I got my statement and my statement had a debt for over {$300.00} when I called Nordstrom they told me that I had purchased a XXXX dress a XXXX  tank up another tank top for {$180.00} I told them I never purchased the tank top for a {$180.00} they refuse to give me a copy of a signed receipt will not assist me at all. They turned down my dispute I told them someone cancelled my original transaction and added this item they refuse ti assist me or provide me w signed receipt.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (FL)

NewRez has failed to hold up any of their timelines on issuing payment for my property at XXXX XXXX XXXX XXXX Check was mailed and received via USPS on XXXX XXXX, 2024 and the lender has XXXX to XXXX business days to disperse the first round of funds to the owner on file. The check was deposited XXXX business days later on XX/XX/XXXX XXXX XXXX XXXX was Monday ). I've been waiting for NewRez to get back to me or to issue any sort of communication. 

I've called NewRez twice resulting in a XXXX minute hold to just get through the automated system and then waiting on hold for an average of XXXX minutes. Then working with a representative is variable ultimately the process takes about XXXX hrs. 

NewRez has failed to issue MY money back to my to help pay for the rebuild in a timely manner. 

NewRez also is charging fees the lender NEVER signed paperwork agreeing to pay for inspection of the residence at XXXX XXXX XXXX XXXX. In discussions with other real estate professionals, NewRez should XXXX XXXX be resposible for covering the cost on ANY repairs or improvements that NewRez solely deems necessary. The insurance company has already signed off and approved of the completed and finalized claim. NewRez, my bank is now the sole reason for the delay and additional cost placed on me, the consumer. 

This is unfair, unjust, and costly in both time and money to me, whos already endured so much with a fire and dealing with the insurance claim in the first place. Something needs to be done and I should be compensated for having to deal with this unfortunate situation, which I warned both the CFPB and NewRez would most likely occur. Especially given everything else NewRez has put me through this year alone.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp. (DC)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Dear XXXX XXXX XXXX, I am writing to dispute the recent collection activity on my account, referenced by XXXX I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter. 

Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt. 

Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts. 

I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies. 

Please respond in writing within [ 15 days from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. 

Sincerely, KuponoMatsumoto Sent from my XXXX
Consumer complaint received 2024-10-03
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)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right 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 instructions.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources (NC)

Dear Firstpoint Collection Resources, I am writing to formally request validation of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt, and before taking any further action, I request that you provide the following information : 1. The name and address of the original creditor.

2. The original account number.

3. An itemized statement of the debt, including any interest, fees, or other charges.

4. Verification that you are authorized to collect this debt.

5. Proof that I am legally obligated to pay the alleged debt. 
Please treat this letter as a dispute of the validity of the debt. I request that any further collection activities be suspended until the debt is properly validated. 
Additionally, I request that you cease all communication with me, except to provide the requested validation. If this debt is not validated within 30 days, I expect you to cease any further collection efforts and remove any reference to this debt from my credit report. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

XX/XX/year> I, XXXX XXXX, contacted CashApp, because someone hacked my cashapp and took {$600.00}, then took {$200.00}. The hacker removed my phone number and my email from my CashApp Account. 
Cashapp said they would start an investigation, but they never emailed me or anything. 
Later that day, I was able to log back in. 
XX/XX/year> XXXX CashApp was hacked again by the same person.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (AK)

I am the seller of a home in New Mexico. I was charged a client fee of {$75.00} which was added to an appraisal charge of {$450.00} for a real estate transaction. I agreed to pay for the buyer 's appraisal, but not additional fees added on by the Mortgage company. When I questioned the mortgage broker about the extra charge she was very rude and refused to explain why that fee was added.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Also Known As : XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

On XX/XX/year> A salesman from XXXX XXXX came and knocked at my door selling solar system. He explained to me that he can sell me a system that will be low cost on my electric bill. He asked for my electric bill which i give to him and he told me that he can save me 75 % on my charges if I do the solar system. As a single finance struggling homeowner I thought that it will help me tremendously, so I agree to pay a monthly fee to the company ( he said 3 years ). I asked for a copy of the agreement from XXXX XXXX and was told it will be mail to me. ( I never received any documentation ). 
He then showed me some documents on his phone which I can not understand and told me that these will also be mailed to me. He told me the work will begin in XXXX weeks but was surprised that in XXXX days they brought the panels and installed on my roof. After XXXX week past I tried to call but no one is answering the phone. I kept trying everyday but after a few months the number was disconnected. I thought that they will call me whenever they are ready to complete the job. Unfortunately an alert from XXXX XXXX XXXX XXXX was sent to me stating that XXXX XXXX XXXX XXXX, Fifth Third Bank N.A. has open an account in my name and it was past due. I called XXXX XXXX who then send me a doc signed of an agreement that I have no idea about and they told me it's a scam and to call the bank. I spoke to the Bank they said it's for the panels. I asked them to remove the panels because there on my roof and are not connected. How can you charge me for something that is not working. It seems that both the bank and XXXX XXXX are working together to scam poor people. 
My complaint is against XXXX XXXX and XXXX XXXX XXXX and Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks for your help
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NY)

Submitted PMI removal form on XX/XX/year>. Was advised the entire process would take 30 days end to end. 

Called customer service on the following dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX On XX/XX/XXXX and XXXX I was told my request was being processed and that I would get a call by XX/XX/XXXX to schedule either an appraisal or XXXX. 

XXXX XX/XX/XXXX and XXXX I was told Id get called by XX/XX/XXXX for the same reason. On XX/XX/XXXX I was told I would hear back about appraisal or XXXX  by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, was told on multiple calls that the PMI removal has been approved and that RoundPoint is working on final checklist to remove the PMI from my account, which should be done by XX/XX/XXXX. 


On XX/XX/XXXX I was told they needed a receipt for one of the home improvements I had done, which I only found out about because I called them to ask why the PMI hadnt been removed. On XX/XX/XXXX I called to follow up and they told me they needed ANOTHER receipt for a different impovement and that they would like me to resend them information I had previously sent on XX/XX/XXXX ( type of improvement + cost ) in a single email with completion date and both receipts. This is all information I had and could have easily provided previously. Not only did they not ask for it, their representatives maxed false assertions that my PMI removal had been approved when it clearly had not been. When I called on XXXX XXXX, I was informed that the XXXX had JUST been ordered that same day, well after the 30 day window had passed. Round Point is not operating in good faith and making false assertions to their lenders which is costing their lender ( me ) significant time and money.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

I have had a lot of collections from the year XXXX and before The thing was is I was XXXX  and I was sick I did not have the capability to open any lines of credit. There was someone in my household or someone outside of my household who got a hold of my information and either took advantage of me or knew of my situation from XX/XX/XXXX until the end of XXXX. Anything after XX/XX/XXXX and before XX/XX/XXXX I did not try to do on my credit at all. I've gotten almost all of the false charges removed from my credit. I've been monitoring my credit for the last year and I've never seen this at all I check it everyday and all the sudden this just popped up. I did not ask for this credit card nor did I use it.
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NC)

I have been paying my total mortgage to include escrow funds for property insurance since XXXX of XXXX. NewRez did not set my account up correctly within their insurance payment dept. My account on the loan servicing side shows it is escrowed and they have escrowed a portion of my payments for the last 14 months, even did an escrow analysis last month and increased the amount needing to be escrowed. The insurance payment department does not show this is an escrowed account and did not process a payment to my insurance company even though they requested confirmation of insurance policy last month or they were going to take out a lender based policy. My current insurance policy started XX/XX/XXXX, but my insurance company hasnt been paid and they are going to cancel my policy because NewRez is still holding the funds in escrow and is not making the payment because they say they cant confirm my account is escrowed from the loan servicing dept. The first time I was informed the account was set up incorrectly was 4 business days ago and I was told it could be corrected by sending over a request to confirm my account was actually escrowed and payment would be expedited. I called in today and the request still had not been confirmed and they are still holding payment. This is a violation of RESPA to collect and hold funds and not pay the insurance company in a timely manner. NewRez is currently holding {$4200.00} and I am being told today that this cant be cleared up until XX/XX/XXXX, but my insurance will be canceled by then.