davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United PanAm Financial Corp. (NV)

I amXXXX years old and feels as if I was bamboozled and hoodwinked by the XXXX XXXX XXXX XXXX company because they sold me a vehicle that came with multiple mechanical failures and after the XXXX period mechanical issues started to accumulate to the point that I could not afford to make monthly car payments, car repairs, car insurance, buy gas and live a normal life because I could no longer afford to keep the car.
Consumer complaint received 2024-07-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Solar Mosaic LLC (CA)

Currently in the process of refinancing my property. However I have a loan from Mosaic for the solar panels that were added to my property in 2022. Mosaic has put a lien on my property and will not remove it temporarily so that my refinance can close. When contacting Mosaic, they state that they only have a lien on the equipment and not the property and that they no longer temporarily remove liens on properties. However the title shows otherwise, a simple XXXX  search shows there are many in the same situation. Mosaic is holding our homes hostage unless the loan is paid in full.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX Fair Debt Collection Practices Act ( FDCPA ) Violation by HELVEY AND ASSOCIATES Dear CFPB, This letter is to file a complaint against HELVEY AND ASSOCIATES for violating the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency is attempting to collect a debt from me. However, they are engaging in unfair and deceptive practices in violation of the FDCPA. Specifically, they are : Using false, misleading, or deceptive means to collect a debt. This violates 12 CFR 1006.34 ( b ) ( 5 ). 
Failing to disclose my rights under the FDCPA. This violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furnishing inaccurate information about the debt to credit reporting agencies without providing the required disclosures. This violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
HELVEY AND ASSOCIATES is reporting incorrect information on my credit report such as Date Opened is incorrect. Date of last activity is incorrect. 
I am informing HELVEY AND ASSOCIATES that i am disputing all owing and any debts, I am revoking all my rights of communication with HELVEY AND ASSOCIATES through email, text, calls. 
In this letter i am requesting debt validation, I am also requesting the purchase order agreement between HELVEY AND ASSOCIATES and the original creditor, I am also requesting HELVEY AND ASSOCIATES to furnish proof that they are licensed and bonded. 

I request that the CFPB investigate these violations and take action against the collection agency. I also request that you remove any inaccurate information about the debt from my credit reports. 

I have attached copies of all relevant documentation to support my claim, including : My credit report Thank you for your time and attention to this matter. 

Sincerely, Your Signature XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (TN)

TD BANK USA/TARGETCREDIT is reporting on my consumer reports at XXXX, XXXX and XXXX. As a debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report. I never gave permission for them to share my personal information.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

MIDLAND FUNDING is reporting on my consumer report at XXXX. As a debt buyer/third party debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report because I have no contract with them whatsoever. I never gave permission for them to share my personal information.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

Dear Consumer Bureau, I am writing to seek assistance regarding a fraudulent chargeback on my Chime account. Below are the details of the incident : On XX/XX/XXXX XXXX XXXX XXXX XXXX Eastern Time, I completed a trade with a customer named XXXX XXXX. The payment method used was Chime, and the amount was {$300.00}. I have attached receipts, conversation screenshots, and XXXX XXXX 's Chime checking balance screenshots to verify his ability to complete the payment. 

On XX/XX/XXXX, I received the following email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Date Error Reported : ** XXXX **Subject : ** Unauthorized Transaction Notification XXXX XXXX, * *We 're contacting you in regards to the following Pay Anyone transaction ( XXXX ) you received : * XXXX. Transfer from XXXX XXXX on XXXX for {$300.00} *The sender of the transaction ( XXXX ) has reported they were unauthorized. Based on our investigation, we have determined the transaction ( XXXX ) were not authorized by the sender. As a result, we have debited your account in the amount of {$300.00} and credited the funds back to the sender. To resolve any issues with this claim, please reach out to the person who sent you the funds. * *Thank you for being a valued Chime member. * *Sincerely, * *Chime Disputes Team* I contacted Chime support immediately on XX/XX/XXXX at XXXXXXXX XXXX. They informed me that they are unable to resolve the issue despite the evidence of the completed trade. They mentioned that anyone could initiate a chargeback without my permission or consent, which is concerning. 

I am requesting your help to resolve this issue and prevent further fraudulent chargebacks. Your assistance in this matter would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-17
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: JPMORGAN CHASE & CO. (MO)

I contacted chase credit card company to dispute a transaction and they first told me that I will have no problem disputing the transaction with the proof that I had and would be able to recieve a refund. I then called backed because I received a letter saying my dispute was closed. I asked them why my dispute was closed and they said that I rendered the service. I proceed to explain that the product/service I paid for was not as described and was damaged. Under my terms and conditions with my credit card company and with fair credit billing act that I have ever right to dispute the transaction. The merchant that I was disputing the transaction with has continued to ignore me and not respond. My contract that I signed before staying in the vacation rental was that they would relocate us or give us a full refund. My credit card company tells me I have to go after the merchant that I can't dispute the transaction. There was mold in the home causing our family to get sick. I have ever right to dispute a transaction that I'm dissatisfied with. The credit card company wasn't even asking for evidence to support my case.
Consumer complaint received 2024-07-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (MI)

I am disputing the debt of {$670.00} that is being stated I owe. As you can see before I was charged early termination fees that included my move out date of XX/XX/year>. It was communicated by the property that once that was paid I can move my things out anytime as long as I sent a move out notice which is also attached to this complaint. I also attached my complete ledger showing when all fees were paid and how I was continuously being charged additional living expenses even though I no longer occupies the space. 

Please note as well my security deposit was never given back to me much later after I paid all termination fees. And I was additionally charged {$10.00} per day for late fees which in my lease its stated {$60.00} one time late fee.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Adjusters, LLC (TX)

On XX/XX/year>, I contacted National Credit Adjusters , L.L.C. to request verification of a debt they are reporting. They asked for additional information, which I promptly provided. Despite complying with their request, my subsequent communications have been ignored. 

Account Name : NATIONAL CREDIT ADJUSTERS , L.L.C Account Type : Debt Buyer Date Opened : XX/XX/year> Status : Collection account, {$430.00} past due as of XX/XX/year> Balance : {$430.00} ( balance updated on XX/XX/year> ) Original Creditor : XXXX  Actions Taken by Me : Initial Contact : On [ date of initial contact ], I requested debt verification. 
Provided Additional Information : I provided the requested information promptly. 
Follow-Up : Despite my efforts, my subsequent communications have been ignored. 

Actions Taken by the Company : Requested Additional Information : Upon my initial request, they asked for more information. 
Ignored Subsequent Communications : They failed to respond after receiving the information.
Consumer complaint received 2024-08-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AK)

I received a bill from XXXX Synchrony bank, where I have had a credit card for a year and a half. The bill was for {$49.00} : {$23.00} for the amount past due and {$25.00} in fees charged. I had previously sent a check on XX/XX/XXXX for {$23.00} ( the total amount due on XX/XX/XXXX ). I checked with my bank and found out the check was not processed until XX/XX/XXXX. I know that mail from Alaska XXXX take a little extra time, but it doesnt take 18 days for a check to go from XXXX XXXX XXXX XXXX Texas XXXX To XXXX credit, they did say that the late fees would be credited to my account, but admonished me that I needed to allow 7 days for mail to reach them (! ). I believe that XXXX to XX/XX/XXXX is 8 days, not XXXX. No inquiry is necessary for me ( as long as they dont send me any more bills ). I have closed my account with them, but am submitting this narrative in case others are having similar experiences with this bank.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 USC 1681. XXXX  XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
account does not belong to me ; I do not own a 2017 XXXX XXXX. 
COMAPNY XXXX XXXX XXXX HAS VIOLATED MY RIGHTS
Consumer complaint received 2024-07-17
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

In XXXX, I believed I had paid my balance in full. However, I was subsequently charged a late fee and did not receive statements for XXXX or XXXX. I received calls from various strange numbers with area codes from Kansas and Ohio, asking me to call different numbers than the ones they were calling from. My phone flagged these calls as potential scams. Given that they identified as Comenity Bank rather than XXXX Credit Card, and recalling that I had closed a XXXX XXXX XXXX credit card with Comenity Bank about a year ago for a similar issue, I suspected a scam assuming my data was leaked. 

I decided to check my online account but faced repeated difficulties logging in due to invalid password messages, despite entering the correct password. I even tried changing my password several times, but the issue persisted. After multiple attempts, I finally accessed my account and discovered a past due balance with accrued late fees totaling {$110.00}. I contacted customer service on XX/XX/year>, explaining that I had not received statements and was unaware of the balance. The representative offered a {$15.00} credit, which I accepted, and I paid the remaining {$100.00}. I confirmed with the representative that this payment would clear my balance and prevent further late fee charges. I then requested to close my account since this was the second time I had issues like this with comenity bank. 

I was transferred to another representative with poor phone service and bad etiquette. The call kept cutting off, and when I tried to explain, she began yelling. Despite the choppy connection, I managed to confirm the account closure. However, on XX/XX/XXXX, I received a letter indicating that my account was closed but I owed {$15.00}, which would be sent to collections, along with a statement for XXXX. 

I called customer service again, but the call kept disconnecting as soon a representative would answer I would hear hold music stop fumbling and then the call would end. When I finally got through, the representative saw the notes from XX/XX/XXXX but argued that I still owed the {$15.00} because she couldn't make changes to the balance since it was in collections. She attempted to transfer me to that department but hung up on me. My phone had full signal and was connected to WiFi, so the call didnt drop on my end nor did my phone state the call had failed. This suggests that the representatives were hanging up on me. 

I find Comenity Bank 's payment process for store credit cards to be sketchy and predatory.
Consumer complaint received 2024-07-16
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

Twice now, I received an email from this Columbia Debt Revovery dba Genesis, and on the very same day in fact, I received fishing texts from what must be an affiliate-or business partner offering to help resolve any debt I may have. It appears that my information from said company has been sold or given to to a debt resolution service without my knowledge or consent.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

CFPB, For the past 3 months I've been trying to get inaccurate information that's showing on my Experian consumer report That's shows 1 Account that's late. That's incorrect all my accounts are in good standing. I've had enough when you call you get Transferred to 3-4 different people and the issue still doesn't get fixed.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Auto Finance # XXXX is reporting as charged off with a balance on my credit. I paid off this full debt years ago and received the title for it. This is an error on their part and I have tried to get them to fix it but to no avail.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I used to own a secured credit card with Wells Fargo until XX/XX/XXXX when I moved back to my home country after finishing my study in the XXXX. Before I left the XXXX, I visited a Wells Fargo branch to close my checking and savings accounts, paid the outstanding balance of the secured credit card, and subsequently called the phone number on the back of the card to cancel it, which I believed the card will be canceled accordingly. I moved back home in late XX/XX/XXXX and have since never used this Wells Fargo credit card. However, I moved back to the XXXX a few weeks ago and I found my credit score to be substantially low for no reason. I requested a copy of my credit report from CFPB and discovered that Wells Fargo not only did not close my credit card but it had posted a balance of {$160.00} in XX/XX/XXXX, when I had already left the country thinking the credit card had been closed. I have tried to call customer service at Wells Fargo on the phone to file a dispute about this, and they told me to mail the requested information to Wells Fargo Credit Dispute Department, and I will receive a confirmation of receipt from them in a week, I did so and XXXX tracking showed my package was delivered to Wells Fargo on XX/XX/XXXX, but I have not received any notification since then.
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (VA)

The XXXX  at XXXX  put me in collection and never notified and told me what it was for. I received this when I moved out about 1.5-2 years ago. Attempted to fix it but havent gotten any information. Many failed attempts.
Consumer complaint received 2024-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (SC)

My property, XXXX XXXX XXXX XXXX, XXXX, VA XXXX was purchased in XXXX, XXXX. At the time, the address was XXXXXXXX XXXX XXXX XXXXXXXX, but the country changed it to XXXX XXXX XXXX XXXX. The mortgage was originally with XXXX, but it was transferred to XXXX XXXX. XXXX XXXX asked for proof of insurance and I provided it, although numerous attempts to change the name of the address were ignored.In XXXX of XXXX, Newrez LLC purchased the mortgage and I paid them the amount-usually with an additional sum to reduce the principal. At the beginning of this year, Newrez informed me that in the absence of insurance, they would start collecting an escrow amount. I promptly had my insurance company, XXXX, send them proof of insurance. The company sent me an email that it had received this. It nevertheless continued to include an escrow amount in the mortgage statement. I called and a representative told me that the insurance was for a different address. I told them that XXXXXXXX XXXX XXXXXXXX XXXX. no longer existed, and he gave me an email address to which I could send a copy of my tax. I did so, but Newrez continued to include the escrow in its statement. i called and was told that I had sent it to a wrong office. I then sent another copy of my tax to the new email address. Newrez continued to collect escrow. I called again and was told that they needed proof that it was covered by XXXX. I had XXXX XXXX send them proof of address change, proof of XXXX and proof of tax receipts. Newrez sent me a letter stating that the escrow amount would increase. In all of this time, I have only received three letters from the company. The first asking for insurance proof. The second one in late XXXX telling me that the problem was too complex, and the 3rd informing me of the increase in escrow. This is either incompetence, malevolence or both.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint personally. Upon reviewing my credit record, I found late payments listed. Despite sending letters more than 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly ask for your help in resolving this issue.
Consumer complaint received 2024-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

My credit report is showing a collection account from LAW OFFICE MBA on XXXX. I didnt receive written notification about this debt therefore I didnt have a chance to dispute on my behalf. I am also requesting debt validation according to 15 USC 1692g I am requesting in the debt validation for a detailed list of my history of payments made on this account, I want to see my signature that I put on a contract guaranteeing that I pay this creditor, has there been an insurance claim filed, and lastly I want to see the proof that you have chain of title to collect on this debt. Without proof of this information this collection should be removed immediately.