davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

To whom it may concern : I am writing to dispute the following item on my credit report : Account Number : XXXX Creditor : Midland Credit Management , Inc . 
Balance : {$890.00} I sent a debt validation letter to your company on XX/XX/year> via certified mail ( XXXX ). In this letter, I requested proof of the debt you claim I owe. As of today, XX/XX/year>, I have not received a response. 

The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to validate debts when requested. Since you have failed to do so, I am requesting that this item be removed from my credit report and any other credit reporting agencies that you report to immediately.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

I'm shopping around for home insurance quotes and I'm being told because of my claims history that I am not eligible for home insurance. After investigating with XXXX XXXX, my current insurance company, they shared that a claim that doesn't belong to me or my current address was attached in error in XXXX 2020. XXXX XXXX agrees and verified that this claim belonged to someone else and is probably preventing me from getting my insurance quotes that I'm seeking. XXXX XXXX said the error is listed on LexisNexis database and that they should remove this from my name and current address.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: M1 Holdings Inc. (NY)

I'd like to file a complaint again M1 Finance.

When I initially opened my IRA account with M1 Finance, there will be no fees associated with maintaining the account. However, I have recently been informed that, starting XX/XX/scrub>XXXX XXXX XXXX M1 Finance will implement new fees if the account balance is below {$10000.00}. This change was not disclosed to me at the time of account opening, and I find this sudden imposition of fees to be both surprising and unfair. 

Given these new fees, I have decided to transfer my IRA account to another financial institution. To my dismay, I have discovered that M1 Finance charges a {$100.00} outgoing fee for transferring the account, in addition to a {$100.00} fee for closing the account. These fees seem excessive and are causing a significant financial burden on me, especially given that the policy changes were implemented without prior notice or adequate time to adjust. 

I believe that M1 Finances actions are deceptive and do not align with fair consumer practices. The lack of transparency about potential future fees and the high costs associated with transferring my account are unacceptable.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

A hold was put on my savings account on XX/XX/XXXX for {$2200.00} which resulted in my account being negative of {$1800.00}. Then on XX/XX/XXXX they transferred {$100.00} from my checking account which left that account in the negative as well. I called my bank several times and then went into the office where I was given a number to call portfolio recovery for answers and then told that my bank sent me out a notice and I had to wait to receive it. I waited until XX/XX/XXXX when I received a letter from my bank which didnt give me any new information than to call portfolio recovery. Then I called them again and still only received a voicemail stating to leave a message. On Monday XX/XX/XXXX I received a letter from portfolio showing paperwork stating I owe them close to {$1500.00} and then fees they were adding on. The letter was dated XX/XX/XXXX and stated that I have 15 days from that date to file a petition intervention. The latter was stamped on XX/XX/XXXX from a zip code XXXX and then stamped by XXXX post office on XX/XX/XXXX. I have no clue of whom I supposedly owe this money to nor did I ever receive any documentation until yesterday from them. They are also requesting that I fill out paperwork stating what my monthly income and bills are. I am on XXXX ( fixed income ) and I can not afford to have my accounts overdrawn like this without knowledge or my day in court. 
Thanking you in advance for any assistance you can give me,
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NPG Associates, Inc. (CA)

This collection company is calling me daily sometimes multiple times a day and leaving threatening messages. They are asking for my adult son who has not lived here for over XXXX  years and I do not have contact with. I have repeatedly told them that they have the wrong number and to stop calling.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Shellpoint Partners, LLC (SC)

My mortgage company ( NewRx/Shellpoint appears to not report all my payments to credit bureaus. I first learned of this XX/XX/year>. I've been in contact with both mortgage company and credit bureaus. Credit bureaus say they are NOT receiving payment information from mortgage company. Mortgage company is blaming credit bureaus for not accurately keeping up with reports of payments. I've paid all payments however credit report says no payment since XX/XX/year>. I work really really hard to pay all my bills without lapses. Please help me find the problem of my credit report staying up to date. Thank you.
Consumer complaint received 2024-07-30
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: Chime Financial Inc (FL)

On XXXX XXXX got a charge back from chime in the amount of {$1300.00}. I didnt know anything about this chargeback until i went to XXXX to rent another car. This was XX/XX/24 when I first called chime abiut this chargeback. The then filed a dispute, I dont know what because they had already sent the money back to chime. 

Chime said they never sent the chargeback and that they have already paid this transaction. I need help find out where this money is because enterprise is states that it was sent back on XXXX to a closed card ending XXXX.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

XXXX5 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Called my church last month, XXXX of 2024. I have repeatedly told them that I am currently, and gave been, in a oversized state and am below minimum wages for work. Because of this, they refused to take into consideration my hardship letter that I applied for. They call me every single week, sometimes multiple times a day, and when I'm working. I have told them that my daughter eating is more important currently but that does not stop them.from the constant harassing calls. And now, they are calling my church pastors office.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

Chime has failed repeatedly to refund my disputed transactions with no valid reason. I have been fighting for months to get my money returned, that never should have been taken to begin with. They continue to take excessive time " investigating '' my disputes, and denying them without a valid cause. I provided proof of merchant service cancelations prior to debits, and still dispute denied. They are supposed to resolve in 45 days, but have drug my current dispute over 60 days as of now. They refuse to give updates, escalate, or give a customer any recourse for resolving issues. After over 60 days, they approve some and deny some transactions, from same merchants, often on same day. XXXX transaction appoved from a particular merchant on a day, yet another transaction from same merchant, same day denied. They finally provided me with documentation used to determine results, and there is zero documentation for al.ost all of the denied transactions. Now they will not allow me to reopen my dispute until the temp credit is paid back, yet credited my account with a total of less than half of disputed amount. And, as soon as a credit was issued, the same merchants who are supposed to be blocked, instantly debited my account AGAIN and they refused to allow me to open a dispute. I need regulatory help with this situation.
Consumer complaint received 2023-10-26
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (TX)

I ordered a camera bag from an online vendor called XXXX  XXXX on XX/XX/year> ( order number XXXX ), and set up an installment payment plan using XXXX XXXX with Affirm. The vendor originally promised a XXXX business day delivery using XXXX, but after 4 days on XX/XX/year> I still did not receive any update. After sending an email to XXXX XXXXXXXX, they finally shared the product was out of stock and would take an indefinite amount of time to deliver. I was traveling immediately so it would not have arrived in time, therefore I requested cancellation immediately prior to any shipment notice, TWICE. The vendor never acknowledged my cancellation and instead tried to entice me with a " free gift '', and after my firm decision to cancel order repeatedly, XXXX XXXXXXXX stopped responding completely. The last response was on XX/XX/year>. Because of no contact, after a few days I contacted my credit card bank to stop payment from XXXX  XXXX for suspicious activity in fear of being scammed. Then a week later, I received an automated shipment notice that XXXX  XXXX sent out the order that I had already requested cancellation on 2 times. Because I was unable to receive the package, it was sent back to the shipper, with a returned confirmation. XXXX XXXXXXXX never responded anything further nor acknowledged that my order was unable to be delivered. My money was returned to me thanks to the bank 's help, but Affirm says I owe them the {$200.00} from the purchase which I never received and had already tried to cancel anyway. I tried to contact Affirm but was unable to find a customer service telephone number, so I tried with an online chat agent, who was unable to directly help me, and sent me to file a claim on the Affirm website. After filing a claim and providing full evidence of vendor 's wrongdoing including receipts and email conversations, Affirm responded with a decision which says they side with the vendor and that I am responsible for the charge, EVEN THOUGH I DID NOT RECEIVE ANY MERCHANDISE. It is ridiculous how Affirm is working with a shady business to rob innocent consumers. Now Affirm is threatening to send this unreasonable charge to debt collectors to come after me and my family, and trying to impact my credit and my personal life. I am already filing complaints to the XXXX and state consumer protection agency at the same time in hope of any help in resolving this ridiculous situation.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Onity Group Inc. (MA)

In XXXX we refinanced the house for {$190000.00} with GMAC Mortgage. We refinanced again in XXXX to take advantage of the interest rate drop again using GMAC Mortgage. 

In XXXX refinanced a second time with a mortgage for {$170000.00} to satisfy the amount remaining on the mortgage from XXXX, which we had been paying on for XXXX  years. However, during that refinance process no " satisfaction of mortgage '', " lien release '' or " discharge of mortgage '' for the XXXX mortgage for {$190000.00} that was filed with the XXXX XXXX XXXX of Deeds ( XXXX, Massachusetts ) so it appears that we have two mortgages on our property.

We have been trying to work with XXXX to see if they can help and they referred us to GMAC ( not helpful ). My attempts to contact Ally Bank have not been successful since they do not recognize my SS # or the loan number I have. I have also spoken to the XXXX XXXX XXXX XXXX XXXX, who are listed on the settlement statement ( HUD-1 ) document. After explaining the issue, they checked their archives and said they did not have a discharge statement even though the body of the HUD-1 indicates that the Principle Balance Of Payoff Loan to GMAC MORTGAGE LLC PAYOFF was XXXX. The person I spoke with at XXXX XXXX speculated that because GMAC Mortgage and Ally Bank were the same entity with just a name change it is likely the process was handled internally and the discharge of mortgage was not processed and recorded with the County Registry of Deeds. I submitted a complaint with the Federal Reserve Consumer Help Center about Ally Bank because I have not been able to get through to a person to request assistance with this problem, their response " Please be advised that the entity you are inquiring about is subject to oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. Which is why I am now filing a complaint here.
Consumer complaint received 2024-09-02
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. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-07-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (VA)

With the increase in living expenses over the past few years. I have fallen behind on my mortgage payments to Wells Fargo, Some mine and some theirs. My discussions with Wells Fargo has left confused and I am in worse in my attempts to catch up and in no ways relieved. My latest attempt resulted in bank telling me to make double the payments over course of next several months. When inquiring if there are outher options for my VA backed loan. I am told NO.. This is all they can do to prevent foreclosure. Keep in mind I am only behind a total of XXXX also keep in mind I have more equity than I owe.Ihave been my house many years. When talking to my daughter she stated there has been additional protections extended since XXXX  and questioned why I have not been offered any additional options as outlined in XXXX  XXXX XXXX XXXX dated XX/XX/year>. In reviewing this document I find several tools for mitigation. XXXX is to put the arrears at the end of the loan. I am a XXXX XXXX  XXXX veteran on a fixed income and my wife is on XXXX XXXX.I am being set up to fail given the housing bubble. Loss mitigation options have not expired. Is it because I am XXXX yrs old I would not know!!!
Consumer complaint received 2024-07-07
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. (PA)

Account Number : XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX This account is being reporting multiple inaccuaries and late payments. The account is show monthly payment amount and balances are different all credit bureaus. XXXX is reporting a XXXX balance. The date of the account and date last active being reported is inaccurate across all credit bureaus. 

This account needs all late payments removed due to a ton of inaccuraices and timing payments are not being reported accurately. Regards to section FRCA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.