davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (OK)

I would like to submit a formal complaint against NewRez LLC ( NMLS # XXXX ) for continuously denying my request to remove Private Mortgage Insurance from my home mortgage despite meeting all criteria. 

I made my initial request in XXXX of 2024. According to my XXXX statement, my outstanding principal was {$250000.00}, which equates to an XXXX ratio of 78.1 % compared to the original purchase price of {$330000.00}. After approximately one week, I was told my request was denied with no reason specified. but the specific reason was not specified. When I called customer service, I was told that it was denied because even though I requested cancellation in writing, I did not affix a signature, so it did not count. I then made another request on XX/XX/XXXX, that included a signature. On XXXX XXXX, I was denied again. On XX/XX/XXXX, I initiated a conversation with customer service via chat ( the automated phone system kept sending me back to the root menu ). I was told they cant see why I was rejected but they will initiate another request on my behalf since I am clearly under 78 % XXXX. I have yet to hear back a decision. 

On XX/XX/XXXX, I finally got a hold of someone over the phone. After reviewing my case, they said the only reason they can think of is because the closing documents of my loan had PMI as part of the projected payment in years XXXX - XXXX. They then emailed me the document. 

I am disputing the validity of that reason as the heading for that column clearly says Projected Payment and can not be interpreted as binding. After all, it also says my monthly total payment should be {$1800.00}, and my current payment is actually {$2200.00}. Given that 30 days is their timeline for reviewing and removing PMI, it should have been removed in XXXX. Thus, I should also receive credit for the PMI I had to erroneously pay in my XXXX and XXXX statements. I greatly appreciate your assistance in resolving this matter.
Consumer complaint received 2024-10-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

Nissan Motor Acceptance Company sent me a bill for {$310.00} for property tax on a XXXX XXXX XXXX which I had leased from them. The lease was satisfied in XX/XX/XXXX and the XXXX XXXX XXXX taken over by XXXX XXXX XXXX. I explained to Nissan that the property tax should not be paid on a car I do not have. When I login it indicates that the lease was satisfied and I now have a new payment plan for a XXXX XXXX XXXX. 

Nissan Motor company told me basically too bad, you need to pay it. I asked them how they could pay the property tax on a car not owned by me, as they can see on their records that I no longer own the car. They have now sent it to a collection agency. 
I checked on Connecticut 's website and they only list the XXXX XXXX Kicks are my responsibility. 
This is not the first time they attempted to XXXX me out of money. My XXXX  stopped working which I was unaware of. They send me a bill for {$1500.00}- they paid the bill late and was charged {$100.00} per toll as a late fee.
Consumer complaint received 2024-10-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Finance Company, Inc. (CO)

On XX/XX/year> a man rang my doorbell, asked my name, and upon confirmation handed me a court summons for medical debt. 

The summons appears legitimate in every way except there is no case number. I checked the civil portal online and called the court house in question and both confirmed there was no case pending.
Consumer complaint received 2024-11-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Debt Verification Letter XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] CAPITAL ONE AUTO FINAN XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Debt Verification Account Number : [ XXXX, ] Dear CAPITAL ONE AUTO FINAN I am writing to formally request validation and verification of the debt your company claims I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Please provide detailed information so I may determine whether I am indeed responsible for this debt.

In particular, please send me : 1. The original creditors name and address associated with the debt.

2. The amount of the debt, including a breakdown of any fees or interest accrued.

3. Proof that your agency has the authority to collect this debt, including any documentation confirming your assignment or ownership of the debt.

4. Details of the original agreement that created the debt, to verify the legitimacy and accuracy of the claim.

5. Please treat this letter as a formal dispute of the debt and cease all collection activities, including reporting on my credit, until the requested information is provided. Additionally, please be aware that any attempt to collect a debt without validation is a violation of the FDCPA. 
Thank you for your prompt attention to this matter. I look forward to receiving the necessary information to resolve this issue. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone Number XXXX email : XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX  XXXX XXXX, [ XXXX XXXX XXXX XXXX ], Capitol One [ XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2024-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

1 ) New Rez aka Shellpoint 's final mortgage loan payoff statements should be sent to the consumer showing 1 ) breakdown of the principle, interested, taxes and insurance paid. 2 ) the final balance of the mortgage showing as XXXX. Today, no final statement goes to the consumer so I have nothing to data enter into XXXX nor compare to the HUD XXXX form. 


2 ) New Rez aka Shellpoints monthly mortgage statement does not show the break down of interest and principle and impounds for past payments with the last date paid. TOday, a customer has to look at XXXX different places on the statement to put the information together. Fix the statements to show the PITI
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MO)

I requested a debt validation showing me the original contract for the debt! You have not provided me with anything on this alleged debt! I have right to request this validation of debt!

I asked for 1 ) agreements that you have the authority to collect on this debt 2 ) agreements that bears signature of alleged debtor with promises to pay original creditors 3 ) complete payment history of this account to prove the amount you wish to collect is correct
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

On XXXX XXXX, I discovered I was paying twice for my XXXX XXXX ( {$72.00} ) and XXXX XXXX ( {$13.00} ) once with My authorized Visa card and once with American Express, which was not on the account. 

I talked w/ several AmEx reps, supervisors and the fraud division and told them the bad charges started in XX/XX/XXXX and I demanded a refund. They only offered 60 days, amended to 120 days for XXXX, XXXX, XXXX, XXXX, XXXX. 

No refund on 11 months from XX/XX/XXXX to XX/XX/XXXX ( {$920.00} ). 

I asked for XXXX XXXX  number, got two wrong ones and finally tweeted at XXXX XXXX, They sent me to a help site that didn't work. AmEx would not assist in the communication with XXXX about this unauthorized account charge.
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY (FL)

My online bank account was blocked from making payments due to it being in bankruptcy status. On XX/XX/2023 my vehicle was repossessed by the bank without notice and when asked to make a payment to pick it up I was told I needed to use certified funds, at which point the agent stated a debit card would be certified funds and a release would be sent once payment was received. I called the company holding the vehicle whos information was provided at time of payment by Wells Fargo, and they stated in the afternoon of the XXXX that usually discharge paperwork is sent a lot sooner. I called Wells Fargo again and was told that it can take up to 48 business hours that they were behind and I needed to wait. This morning I called to check on the status and was told that a debit card payment doesnt apply instantly like certified funds would and the 48 hours started today, also proceeded to provide credit counseling about how Im making my payments. Ill call back tomorrow to try to pick up my car again but it seems like Im getting the runaround, especially because every day that its in repossession Im subject to the tow company keeping any personal property in my vehicle.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CT)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Debt Account : XXXX Dear MIDLAND CREDIT MANAGEMEN I am writing to formally dispute the validity of the alleged debt associated with the above account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, the Fair Credit Reporting Act ( FCRA ), and applicable Uniform Commercial Code ( UCC ) laws. 

The debts in question were not discharged in XXXX but were instead canceled via IRS Form 1099-C, meaning they were written off as losses by the original creditors. Per IRS regulations, these canceled debts are considered income and can not be collected. Any attempt to collect on a canceled debt is a violation of federal law. 

It has come to my attention that unauthorized and uninformed financial documents were created and furnished using my nonpublic personal information without my knowledge or consent. 

This action is a violation of my rights under federal law, as it appears to be an attempt to extort payment for a debt that no longer exists and is now classified as personal income. 

Additionally, this alleged debt arises from an apartment rental lease associated with my former employers, which are not consumer credit transactions. As such, there is no permissible purpose for sharing my personal information with any third or fourth parties under the FCRA. 

Moreover, I was never presented with any privacy policy, nor given the option to opt out of having my information shared with other entities. Under XXXX regulations, consent can not be transferred or purchased without all original parties signing off on a new agreement. No such agreement exists in this case. 

I am invoking my rights under 15 U.S.C. 1692g to request validation of this debt, including a full breakdown of the original contract, proof of ownership, and any assignments of the alleged debt. 

Since the alleged debt is no longer valid, as it was canceled and reported as income, I revoke any implied consent for my personal information to be shared or furnished. I demand that you cease all collection activities immediately and stop reporting this false information to any credit reporting agencies. 

Furthermore, I consider this matter to involve potential identity theft, as my personal information was used without my authorization. Under the FCRA, I demand that you stop furnishing this inaccurate information to other financial institutions immediately. 

Please consider this a formal dispute and request for debt validation. Failure to comply with the laws referenced in this letter, including the FDCPA, FCRA, and UCC, may result in legal action against your company. 

I request a response confirming that you have ceased all collection activities and reporting of this erroneous information within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Cell XXXX
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Used Zelle as a service with mXXXX XXXX XXXX with the auto accept feature on. Someone zelled me and it was automatically deposited into my account. This person zelled me thinking that my phone number was their grand daughter because the grand daughter had used the number prior to me. Though I have had the number for a few years now so the grandmother or person who sent the zelle should have already known that the other parties number had changed. 

But with the zelle being auto-deposited in and me being unaware, in an effort for the person who sent the payment to get their money back they reported it as fraud. Though it was their own negligence. Zelle then informed my bank without any proper investigation that they had verified that I was a fraudster and had stolen the money. Zelle has all the assets available to them to confirm that the money was not stolen because they could see if the person made a similar transaction after they had reported the fake fraud. Check the device ID of the person, check the ip address of the person, check the location that the person was at with their device when they sent it. But instead zelle without proper due diligence or reaching out to me regarding the transaction. Defamed me to my own bank stating that they had confirmed fraud. Which in turn has now caused substantial injury to me because I have been unable to access my hard earned money, pay any bills, buy gas for transportation and unable to afford the costs of my medication. I additionally have proof that the person sent it in error. 

Attached to this complaint is a message from the party that I had disregarded because it sounded like a scam. But after my bank has frozen my assets and stated that it is because of zelle. I have gone back and begun investigating.
Consumer complaint received 2024-10-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

National Credit Systems , Inc wrote to us in XXXX of this year about a debt that they bought from a company called XXXX XXXX XXXX XXXX. We submitted a debt validation to National Credit Systems , Inc 1. asking them for their license to collect a debt in the State of Florida XXXX XXXX. Validate debt XXXX. Provide the original contract with my wet ink signature 4. Has an insurance claim been filled on this alleged debt 5. Provide the accounting ledger in accordance with XXXX XXXX Now XXXX is threatening to report fraudulent unveried alleged debts to credit reporting agencies.
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MS)

[ Your Full Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, Zip Code ] Subject : Request for Debt Validation Account Number : [ Debt Account Number, if available ] Dear [ Debt Collectors Name ], I am writing regarding a notice I received about a debt you claim I owe. Under the Fair Debt Collection Practices Act, I am requesting that you provide validation of the debt, including the details necessary to substantiate the amount, origin, and ownership of the debt.

Please provide the following information : The name and address of the original creditor. 
A detailed statement of the amount owed, including interest, fees, and any other charges. 
Proof that I am responsible for this debt, such as a signed contract or other documentation. 
The date of the last payment made on this account. 
Documentation showing that you are legally authorized to collect on this debt in my state. 
Until you provide the requested information, I ask that you cease all collection activities related to this account. Furthermore, please note that any attempt to report this debt to credit reporting agencies before validating it would be in violation of the Fair Debt Collection Practices Act. 

Please send all requested information to the address above. 

Thank you for your attention to this matter. 

Sincerely, [ Your Signature ] ( if sending a hard copy ) [ Your Printed Name ]
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

My boyfriend deposited a check into my account, his name was misspelled and chase held the check for a month now, we went to the physical bank with the XXXX and basically the check is technically cashed so they couldnt put a stop hold on the check, now theyve had the check and they arent doing nothing to fix my problem, I have all the photos and messages between him and his XXXX and he has all his paystubs of the exact amount the check was for, he also has deposits from the same company that wrote him the check, his name has XXXX letter misspelled, we tried contacting them everyday and they kept saying they need a phone number with the name so it can match, but no one has the same name as him his name is XXXX the check was written for XXXX missing the letter B, the check was for {$810.00}, they believe its fraud, we have all the proof to show its his check and he worked those hours, we tried to tell them to send the check back to the company but they said they cant it will go to the XXXX in XXXX months, I feel like they are holding his money for no reason and I would like to get this resolved as soon as possible I will provide his pay stubs and his address is on the paystub as well as all the proof that its his check he also has a chase account with them, and he thought there wouldnt be a problem because they could match his name no one on this earth has that name spelled like that, now they closed my account and everything is on hold, I went to the physical bank and they couldnt help me either, XXXX not sure what else too do, he told me that cfpb is the best choice to get this resolved.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

Chase bank locked me out of my bank account and is falsely accusing me of suspicious activity because I use a virtual private network ( VPN ) when signing into my account and trying to send money from it using XXXX. 

Chase bank is also refusing to accept my state ID and Chase bank debit card as valid forms of identification for verify that I am the owner of my account.
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I am writing to formally request documentation regarding a collection account that has been reported to my credit file. Specifically, I am requesting the following information : A signed agreement indicating that the original creditor was not paid, as well as proof of any signed agreement showing that I agreed to pay this debt to the collection company.

Evidence that the collection company has not paid the original creditor, along with proof that I have explicitly agreed to pay this debt in the event that the original balance was not covered.

A clear statement showing the balance due.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Account : XXXX Account # XXXX Account : XXXX XXXX  # XXXX Account : XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account : XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX  XXXX # XXXX 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 an account without my written instructions.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

I initiated a dispute ( # XXXX ) with Wells Fargo Bank on XX/XX/XXXX. The dispute was against XXXX ( merchant ) for the amount of {$180.00}. On XX/XX/XXXX I purchased clothing from XXXX in the amount of XXXX, which was returned in person on XX/XX/XXXX ( see attached proof of return receipt ). The expected refund credit from the merchant was never given/posted on my account, therefore I initiated the dispute with my credit card company ( Wells Fargo Bank XXXX XXXX After some time Wells Fargo Bank stated that they lost dispute rights and could not longer assist with the dispute, they stated that no documentation or evidence was provided within the required timeframe. I was never advised or notified by the bank of any documentation being required. Nevertheless, I provided Wells Fargo with the documentation needed in order to resolve my dispute, however, they did not take it into consideration. Wells Fargo did agree I was in the right and I was owe a refund indeed. They acknowledged the proof of return receipt but did not want to pursue further. Im being financially harmed by this situation and not given the rightful resolution for this matter.