davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES (CA)

This is a response to Zwicker & Associates, P.C. reply to my complaint submitted XX/XX/year>. I have not asked this company for any validation of the accounts in question as I am not required to pay this organization any money. I have also clearly asked this company to cease and desist any further communication with me. Should I receive any further documentation from this corporation that contains any of my non public personal financial information within in it, Zwicker & Associates, P.C will be personally liable for identity theft.
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (MA)

Dear Santander Consumer USA, I was alarmed to find late payment entries on my credit report covering the period from XX/XX/year> to the present. I am confident that I made all payments in accordance with the statements I received, and it appears that there may have been an issue with statement delivery.

In light of our longstanding positive relationship, I request the immediate deletion of these late payment entries from all credit reporting agencies. Additionally, I seek a refund for any late fees assessed on my account. It is crucial to address this matter promptly, as I believe the entries are inaccurate and have resulted in violations under the Fair Credit Billing Act ( 15 USC 1666b ), the Fair Credit Reporting Act ( 15 USC 1681i ), and the Fair Debt Collection Practices Act ( 15 USC 1692g ). 

Please rectify this issue without delay to avoid further inconvenience for both parties. I appreciate your prompt attention to this matter and look forward to continuing our positive relationship. 

Sincerely,
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (DC)

In XXXX of 2015, I refinanced my home loan. This summer, I received a notice from the XXXX government, that my property taxes had n't been paid in the prior six months. Nationstar, my loan servicer, collects an escrow for this purpose. I thought they were paid at closing but even so, Nationstar should manage these payments. I contacted Nationstar to inquire as to the status of property tax payments. They said that they conducted an investigation and then made a payment. I asked them to share what they learned during their investigation, specifically I sent them the following : '' The update only seems to note that a payment was made. Please provide the results of your investigation into this matter. For instance, please clarify whether an amount was also paid at closing as noted by the loan underwriter. How much was the late fee and how was it paid? " Nationstar did not respond to these questions. I ask that they offer a full accounting of what happened, who was at fault, and whether they charged me for the late fee. If they did charge me for late fee, why they did so.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BROKER SOLUTIONS, INC. (FL)

Consumer Financial Protection Bureau ( CFPB ) Subject : Account Dispute Against NEW AMERICAN FUNDING I am writing to file a formal complaint against NEW AMERICAN FUNDING due to the lack of response to a credit dispute letter I sent on [ XX/XX/XXXX ]. 

I am writing you this letter regarding payments that were marked late by your company for the ACCOUNT NEW AMRCN FU ACCOUNT NUMBER XXXX following accounts on the following date ( 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 ] It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.
Consumer complaint received 2023-10-27
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. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-08-01
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (NC)

I hired Lexington law 2 tomes from XXXX to XXXX to help repair my credit I was charged fees I wasn't informed and all my personal identifying information was exposed and I was never informed causing a constant and continuous fraud and unauthorized access and use of my name fees was not explained and money taking out without my consent
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi my name is XXXX XXXX, I am the owner of my Capital One Bank acct, with routing number : XXXX ; an account XXXX. My account was closed with a remaining balance of {$18000.00}. I tried calling, emailing, ect .... Still no REASON as to why my account was closed with the funds available. I been a member over a year & a half with capital one bank, and then this happens. Can you please help me access my funds as soon as possible, It has been about a year that it has been closed.
Consumer complaint received 2024-07-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (PA)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This collection not mines I have address in which I have never lived on file and this collection has never reached out to me to my address that is my credit this not verifiable and needs to removed immediately
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal permanent limited or banned my account for no reason and will not help getting back up and going. I am not sure if this is a mistake as I assume it has to be. I have not been able to get help from them for a long time. But I could just file a complaint here as I feel they are not doing their job properly and is affecting me a great deal as I used Paypal quite frequently.
Consumer complaint received 2024-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

Complaint Against LVNV FUNDING LLC for Violating Consumer Rights Dear CFPB, I am writing to file a formal complaint against LVNV FUNDING LLC for their persistent violation of my consumer rights under federal law. They have failed to comply with the legal requirements of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Details of the Complaint : Creditor : LVNV FUNDING LLC Disputed Reason : Failure to provide debt validation, continued reporting of unverifiable debt, and non-compliance with communication preferences. 

Violations : Fair Credit Reporting Act ( FCRA ) LVNV FUNDING LLC has reported inaccurate and unverifiable information on my credit report. Despite my request for validation, they have not provided any documentation to substantiate the debt, thus failing to ensure the accuracy and fairness of the information reported. 

Fair Debt Collection Practices Act ( FDCPA ) As per FDCPA, I requested validation of the debts from LVNV FUNDING LLC. They are required to cease collection efforts and remove the collection accounts from my credit report if they can not validate the debt. However, they have continued to report these unvalidated debts, which is a clear violation of the FDCPA. 

Fair and Accurate Credit Transactions Act ( FACTA ) FACTA allows me to dispute inaccuracies in my credit report. LVNV FUNDING LLC 's failure to validate the debts makes these accounts inaccurate, and their refusal to correct these inaccuracies is a violation of FACTA. 

Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces regulations to ensure fair treatment of consumers by financial institutions. LVNV FUNDING LLC 's failure to validate the debt and their continued reporting of unverified information constitute a violation of these regulations.
Consumer complaint received 2023-10-27
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)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc. (MA)

XXXX XX/XX/2024 received a debit card to my house with a cash tag that was not mine from cash app. Repeatedly called and initiated chats with CashApp to resolve the issue. Eventually logged a XXXX  complaint and only then did Cash app remove the fraudulent account. Cash app mentioned they would take steps to make sure this didnt happen again in the future. 
XXXX XXXXXXXX XXXX I came home to another envelope from cash app with a fraudulent card that has been opened in my name. I have attempted to get this resolved by cash app support and am running into the same issues as before. There are clearly issues with their fraud prevention system. No one from Cashapp is responding to this critical issue.
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

I purchased a 3d printer from XXXX. I waited a week, I received the tool box I ordered for the printer but no printer. I contacted XXXX through email and phone with no response, multiple times. I filed a dispute with cash app. They stated 45 days for a resolution. After 50 days, I contacted cash app through phone and chat support atleast 5 different times. Spoke to a superviser who promised he would get to the bottom of my dispute and get back to me. This was a week ago. They refuse to answer any questions I ask about it or send me an email giving me an update way past the alloted time they gave me to have this dispute done.
Consumer complaint received 2024-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

I requested the School Misconduct Borrowers Defense for Private Student Loans application from Navient and immediately I received an OOO ( Out of Office ) response that said they would need more time to review my request. I still haven't heard anything back. I downloaded the application from httXXXX XXXX XXXX and just submitted the application and attached my supporting documents with it as of just before this submission. 

To clarify this complaint has been resolved by downloading this application from another source and completing and submitting it to my loan servicer. I just wanted this complaint filed in principal.
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

XXXX contacted by a professor from my University for a research position and he asked me to find out how much a computer, a printer and a projector would cost and once I sent him the approximate amount I said I was no longer interested in the job believing that what he was asking was part of the interview. He then sent me a check and asked me to send the money back to him or else I would face disciplinary action from my school. I then sent him money through XXXX on XX/XX/XXXX for {$900.00} and the same day another amount for {$900.00}, {$950.00}, {$250.00}, and on XX/XX/XXXX another amount of {$500.00}. I believed be was legit because he had sent me reimbursement checks for the money he had sent excessively but the checks would have been returned. I reported this to my bank but the claims have been denied.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (FL)

To Whom it May Concern, Hello, my name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is in XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the XXXX credit file of XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (FL)

The interest rate is causing the loan amount, or the balance not going down, we had this car for 12 months payments on time, and we still owed XXXX which is outrageous, also that they dont do refinancing, and the car isnt worth that much to where we trade it in, were going to owed negative equity. This bank just nothing but interest, to where I thought their better than this, and we were thinking about paying 6 months ahead, but we called and they said those payments would go to straight to interest, and still make payments every month, which is just greedy.
Consumer complaint received 2024-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I paid off my loans to Great Lakes on XX/XX/XXXX in the amount of XXXX. I requested a refund for this amount on XX/XX/XXXX due to the XXXX act. Under the XXXX XXXX, anyone who had paid off XXXX or less in loans could get their loans reimbursed. I was promised a refund check from Great Lakes that I never received. XXXX bought out Great Lakes and never let me know that my loans were reinstated until I found out about it in XX/XX/XXXX. Since then, I have been accruing interest. Netlnet is refusing to send me another refund check because they claim that XXXX, my bank at the time, accepted their check. However, I had closed my XXXX account in XXXX and it would have been impossible for them to get a check from Nelnet in XXXX.
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I received an email from XXXX that a line of credit has been open and is deliquiate from FNBO which I do not do business with. I contacted XXXX and they requested that I submit a complaint through the FTC
Consumer complaint received 2024-07-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (LA)

I have been a credit pay pal consumer customer for over 3 1/2 years and they decreased my credit limit without my knowledge. they sent a letter after they decreased my credit limit.

I told them that I had some fraud going on with my credit and this is why my credit was frozen. My limit was {$1800.00} they decreased it to {$1500.00}. at the time they decreased my credit I had paid my limit down to XXXX dollars.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (MN)

I was given my statements back for as the reason that it was denied. That is not a reason, and I also had my money stolen from me and the company did nothing to protect me from this. 

XX/XX/year> I purchased what I thought was a mini washing machine for {$50.00} from XXXX. This website did not initially appear as this, it originally appeared as XXXX XXXX. I had believed I was shopping on XXXX. This however was not the case and shortly after purchase the website disappeared and no longer could be accessed. I could not find an email that worked to contact ( XXXX ) This XXXX fake website and I could not find any way to get my money back. So I provided all of this information about a week later with cash app. Showing them with proof that I was the victim of a website scam. I can provide a case number for this. 

I was still denied my money back. I again requested another dispute on this after the first denial. Within moments of receiving the denial the first time I put in the next one. I was scammed and I should not have to be denied by my bank. I basically am being told that I am a liar when I am not. Something needs to be done about this company not protecting their customers against fraud and theft.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank Teller, XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL branch begun working at this location XXXX He verbally admitted that he used my SSN to access an old account I had under TD Bank that I was unaware of. He stated that I had a balance of $ XXXX. At NO POINT did I give him access to my SSN or give him permission to access any accounts under my name. I have never stepped foot inside this branch or any other TD Bank locations in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX area. I officially made a complaint on XX/XX/XXXX and received no resolve. As of XX/XX/XXXX he is still employed at this location and bragging about being promoted up to manager soon. When I contacted Ethics and Compliance, XXXX XXXX was able to confirm that I had an old account opened in XXXX back in XXXX and that the only way it could be accessed at the branch level would be via debit card or SSN. A bank teller illegally looking into consumers banking information should be terminated immediately.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

Account XXXX 2002 XXXX XXXX Wells Fargo Credit Card Wells Fargo canceled my personal account, not this one above, which is my business account. I was going through a rough time making payments and asked if they could work with me on my business account. They canceled my business account without notice or a call, but they also closed my personal credit card, which was in good standing. I never missed a payment in personal with a high credit limit of XXXX k and always paid off the balance. When I called them, they said it was due to 'risk. ' This felt very shady, and I felt discriminated against because they asked if I belonged to any XXXX background during the phone call. I believe this is very XXXX, and they need to reopen my personal credit card