davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION (AL)

On XX/XX/XXXX, I set up auto pay with M & T Bank. I was not told that the payment wouldnt start until XXXX. I went through all company policies about auto draft and it doesnt say anywhere that it doesnt start until the next month. I have pdfs to show that. So mid XXXX got here and I notified on my personal bank account statement that my mortgage didnt come out for XXXX and XXXX. I asked why and was told that when you set up auto pay, it doesnt start until the next month. Again, I was not told that to begin with. So I asked if thats the case why did XXXX not come out and her answer was because XXXX wasnt paid so they couldnt pull XXXX payment. I asked why I never received a phone call or email letting me know. She said that they had called me several times and never go an answer. So I asked what phone number they had on file. She read me a number that wasnt mine, I have no idea whose number it was. So I asked what email address was on file. Also wrong. I then asked for a letter stating that they had the wrong contact info on file so I was not able to be notified and make my payment. I never got a call, email or letter in the mail letting me know it wasnt paid. I called back later to check on the status of the letter and the lady told me it was postmarked and I should receive it soon. After giving them the correct address, I received a letter stating there was nothing they could do to help. Im not sure why they didnt just tell me that over the phone but instead left me waiting for a letter that wasnt even what I was expecting. If I hadnt noticed the payment didnt come out, I would have never known because they had all the wrong contact info. The day I originally called, I made the payments for XXXX and XXXX over the phone. They kept offering me payment assistance. I continued to tell them I didnt need that, that my auto pay just didnt go through but never got them to understand. To summarize, I set up auto pay. Was never told it wouldnt come out until the next month so XXXX payment was missed and XXXX wouldnt have been paid if I wouldnt have called. They had the wrong contact info on file so I never got notified. And now my credit has drastically dropped, along with my moms who co-signed for the loan. Again, I have pdfs from their policy and nothing states that the payment wont be made until the following month.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (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 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES 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 USC 1681. 

XXXX XXXX XXXX : Amount : {$980.00} Account # XXXX XXXX XXXX XXXX : Amount : {$4700.00} Account # XXXX XXXX XXXX XXXX : Amount : {$1400.00} Account # XXXX XXXX XXXX XXXX  : Amount : {$1100.00} Account # XXXX XXXX XXXX XXXX : Amount : {$8000.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$2100.00} 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 an account without my written instructions 15 U.S.C 1681 section 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.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CO)

On XX/XX/year> I stayed at the XXXX XXXX XXXX in XXXXXXXX XXXX. They require a deposit of XXXX XXXX. I used my cash app card for the deposit. When I checked out the next morning they released my deposit back on my debit card cash app has not returned the funds to my account. It's been over a month cash app customer service says it was never released. I had the hotel manager email them the proof that it was. XXXX was her name at the hotel. They stated they never received the email from the hotel I would like my money back. I waited Over a month for it. Still have not received it yet
Consumer complaint received 2024-07-03
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: SYNCHRONY FINANCIAL (FL)

While I was XXXX I had no access to the account overseas and tried to contact XXXX card services but they would not reply, they marked my account as 120 days late, once I got in touch with them gladly paid my balance and I myself requested to close the account yet on my credit report they claimed that they were the ones that closed the account. I did not cause them any misfortune and explained my situation yet they seemed to think I was causing this on purpose. They are my only bad remark on my credit report and I would like it removed as they provided a false report Twice.
Consumer complaint received 2024-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (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 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (IA)

Recently, my mortgage was transferred to Newrez. In their initial communication, they mentioned that I would receive an invitation to access my mortgage information on a new dashboard. However, I never received this invitation. 
Additionally, their email assured me that nothing would change, especially if I was on an XXXX  payment plan. My previous mortgage company had set up auto-draft payments for me every other XXXX to align with my pay periods. However, when I checked my bank statement on XX/XX/2024, I noticed that my loan payment was not drafted. 
Given the transition to Newrez and the holiday, I assumed the payment might come out on XX/XX/2024. To my surprise, there was no pending payment in my dashboard, and I discovered that no auto-drafts were set up. I reached out to a representative via chat, who confirmed that I am indeed set up for auto draft, with the next payment scheduled for the XXXX. 
I specifically requested that the payment be aligned with my previous schedule of every other XXXX. The representative assured me that it was fixed. However, when I inquired about the missed payment on XX/XX/2024, she informed me that my account is current and no draft is needed. Instead, the system will initiate XXXX  payments starting on XX/XX/2024. 
My concern is that this adjustment means a full payment wont be received by XX/XX/2024 ; it will be processed on XX/XX/2024. Technically, this would make me late on my mortgage payment. Unfortunately, I can not make a XXXXXXXXXXXX  payment online since I am on auto draft. 
I appreciate your attention to this matter and kindly request that you rectify the situation promptly. Its frustrating to spend time addressing mistakes that were not of my making. 
Thank you for your assistance.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (GA)

United Collection Bureau , Inc . 
XXXX XXXX XXXX. 
XXXX, OH XXXX Re : Cease and Desist and Demand for Damages for Violations of the FDCPA To Whom It May Concern, I am writing in regard to a letter I received from United Collection Bureau , Inc., dated XX/XX/year>, concerning an alleged debt with XXXX XXXX XXXX XXXXXXXX, account ending in XXXX. Upon reviewing this communication, I have identified multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Specifically, the violations include : XXXX. **Violation of 15 U.S.C. 1692e ( 2 ) : ** Misrepresentation of the character, amount, or legal status of the debt. 
- The letter fails to accurately represent the status of the debt and provides misleading payment options that may not reflect the true amount owed or the terms of settlement. 

XXXX. **Violation of 15 U.S.C. 1692g ( a ) : ** Failure to provide a proper validation notice. 
- The communication does not include a clear and accurate statement of the amount of the debt, the name of the creditor to whom the debt is owed, and the consumer 's right to dispute the debt within 30 days of receiving the notice. 

XXXX. **Violation of 15 U.S.C. 1692c ( b ) : ** Unlawful third-party disclosure. 
- The letter was sent in a manner that exposed information about the debt to third parties, which constitutes a breach of privacy under the FDCPA. 

Given these violations, I am formally requesting : XXXX. **Cease and Desist : ** That United Collection Bureau , Inc. immediately cease all communication with me regarding this alleged debt, as further contact will be considered harassment and a violation of the FDCPA. 

XXXX. **Demand for Damages : ** Compensation for the statutory damages of {$1000.00} for each violation identified above, totaling {$3000.00}. 

Please send a written confirmation that you have received this letter and that you will comply with the above requests. Failure to do so within 30 days will result in my seeking legal action to enforce my rights under the FDCPA. 

Thank you for your prompt attention to this matter. 

Best Regards, XXXXXXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-07-03
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: Rent Recovery Solutions (TX)

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : RENTRECOVERYSOLUTIONS
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

There is a collection agency by the name of XXXX XXXX XXXX reporting an alleged debt to my credit report which lists XXXX XXXX XXXX as the original creditor. I am asking for debt validation of this alleged debt. I don't recall having a balance due, nor do I recall receiving correspondence informing me that this alleged debt was being sold to a 3rd party. Furthermore, I did not authorize the reporting of an alleged debt that was not validated. I am requesting that this account is removed due to permissible purposes and that the required documents are sent through CFPB. I am not interested in any correspondence via mail. This account is to be removed while this investigation is ongoing.
Consumer complaint received 2024-07-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NOTE SERVICING CENTER, INC. (OH)

Note Servcing Center is servicing a land contract ( rent-to-own ) on our home at XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX 

The property is now paid in full ( in fact early ) and all remained owed funds are sitting in escrow. There is no balace due on the property. 

Instead of releasing the title, Note Servicing Center is fraudulently claiming we are in default and has initiated foreclosure against our home. 

In short, the company refuses to release title and is now trying to take our home.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RAS LaVrar, LLC (FL)

Hi, this complaint is for harassment, today on XX/XX/2024, I was informed a process server was asking questions about who live at my address. Ras Lavrar LLC and it's attorneys ' XXXX XXXX, XXXX XXXX. XXXX and XXXX XXXX, XXXX XXXX. XXXX is harassing me at this point for a debt that was paid since XX/XX/2024. Please see my payment confirmation from their website. 

They continue to be unprofessional and unethical. This debt is paid already with them using unfair tactics and now they want to harrass me.
Consumer complaint received 2024-07-03
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Chime Financial Inc (NC)

Dear Chime Support Team, Good morning, My name is XXXX XXXX XXXX XXXX, and I am urgently requesting the refund of funds left in my Chime account, which was closed on XX/XX/year>. The abrupt and unethical manner in which my account was closed without prior warning has caused significant distress and hardship, particularly as I am a senior citizen relying on these funds. 

As a compliant account holder, I have provided all requested documentation and evidence to Chime to demonstrate my adherence to your policies. Despite this, my request for a refund of the remaining balance in my account has been denied without justification. 

The sequence of events is as follows : On XX/XX/year>, I alerted Chime XXXX via phone about a suspicious ACH transaction. Your representative advised me to check with my XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). XXXX subsequently confirmed their responsibility for the error in an email communication. 
Following the closure of my account without notice on XX/XX/year>, I contacted Chime Support immediately. Initially, I was denied information regarding the closure. However, upon escalating the matter to a supervisor XXXX XXXX XXXX, I was provided with the necessary steps to address the issue. 

Ref # : XXXX The documentation requested by XXXX, Supervisor of the Chime Member Protection Team, included : Front and back copies of my drivers license. 
A bank statement from XX/XX/XXXX to the present. 
A letter from XXXX addressing their ACH error. 

I have complied with these requests and provided all required documentation. The total amount left in my closed account is {$1000.00}. 

Given the urgency and the impact of this situation, I demand the immediate refund of the remaining balance in my account. This matter has caused undue stress and financial instability, which is unacceptable and must be rectified without further delay. 

I expect a prompt resolution to this issue and a confirmation of the refund process. Should this request be ignored or further delayed, I will have no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (GA)

I have the following four inaccurate accounts reporting on my credit report. None of these are my debts and all of them are beyond seven years old. 
XXXX. XXXX XXXX XXXX {$1600.00} opened in XX/XX/XXXX ( XXXX, XXXX and XXXX ) XXXXXXXX XXXX.. charge off opened in XXXX XXXX and XXXX XXXX XXXX American Education Services reporting {$0.00} balance chsrge off. Opened in XXXX XXXX and XXXX XXXX. XXXX XXXX reporting {$0.00} balance opened in XXXX XXXX and XXXX. 
Under the Fair Credit Reporting Act these items must be deleted from my credit report if they are unauthorized, inaccurate or older than seven years. Please delete all of these items from my credit report.
Consumer complaint received 2024-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (MD)

XXXX Consumer Financial Protection Bureau, I was informed by Cheeky XXXX that if I did not find a job within 12 months, they would refund the money I paid. This was clearly stated in their Welcome Letter, which I am attaching as the XXXX refund contract for not obtaining any job through XXXX XXXX. I have attached the evidence for your perusal. 

Additionally, XXXX  XXXX sent me an email stating that I might need to make full payment to receive a complete refund. This requirement was not displayed anywhere in their initial communications. As I am no longer using any of their services, I am requesting a complete refund. 

Furthermore, there is a media article that criticizes the program, highlighting that it does not effectively help students secure jobs. I have attached the evidence for your perusal. 

I have also reached out to Affirm, the lending company for XXXX  XXXX, but they would not refund the money because it has been more than 12 months since I took the loan. I don't use XXXX XXXX 's service anymore, they did not provide the job they promised, and they are charging me for a service I have not used. They are going against their XXXX full refund policy if they could not find me a job. 

I hope that the evidence I have provided will strengthen my case, and I request your assistance in facilitating the refund of the amount I paid to XXXX  XXXX as soon as possible. 

Thank you for your help. 

Best regards,
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo unfairly froze my funds due to fraudulent deposits that were done with our my knowledge or consent wells Fargo refuses to refund my money that amounts to XXXX dollars I don't feel like wells Fargo handled or investigated my situation properly in result my money was token from me which resulted in me being homeless I demand my funds back immediately so I'm able to take care of myself
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX, I was reached by individuals, acting on the behalf of and/or through the Internet-platform XXXX The platform was completely anonymous and did not provide any details about their license or regulation. They also have not provided information about their parent company, company address, contact number, and email address. Notwithstanding the foregoing, the individuals that contacted me have explained and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting my lack of special knowledge and skills, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. Deceiving me and promising substantial and rapid return of investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. As a result of the interaction with the aggressive Merchant, I lost approx. USD XXXX ( XXXX Dollars XXXX XXXX and XXXX XXXX and XXXX XXXX ) paid in series of transactions within a short period of time. All payments were initiated through my account with WELLS FARGO, N.A.. WELLS FARGO , N.A . never warned me about potential risks associated with those payments. I addressed a letter to WELLS FARGO, N.A. claiming a feasible compensation offer. The bank did not provide any response or feedback to this letter.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

I am a victim of identity theft. The information attached below, which appears on my Early Warning report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit, Inc (CA)

I believe the account is invalid. .VW CREDIT INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.VW CREDIT INC XXXX.