davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC (NC)

Beginning in XX/XX/2021 I received a notice from Glasser and Glasser LLC, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, claiming to have been hired by XXXX  XXXX XXXX to collect a debt of {$4000.00} that I owe them. The account with XXXX  XXXX XXXX has been written off as a bad debt and reported to be credit bureau. I contacted BOA regarding this matter and they said they have never heard of this firm. My account was never reported to a collection agency. It was sent directly to the credit bureau once I defaulted. 

This agency has sent me so much paperwork over the course of time. I've discarded most of it because I thought they had left me alone. I have contacted Glasser and Glasser telling them that if they contacted me again I would file a claim against them. But I see they have resumed the harassment. Apparently, they didn't take me seriously so I'm making good on my promise. 

I'm telling them again to stop contacting me because I'll not pay them anything. I tried to download a copy of the paperwork they sent but it won't download.
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (IL)

My bank closed my account 3 days ago. 
The app is still letting me log in and see my balance. 
DC department of unemployment deposited money into my account yesterday. 
Today I received a call from the hotel that the VA sent me a letter to go pick up. As soon as I walked into the hotel a debit of XXXX disappeared from my account. I dont own a debit card and they closed my account. So how did BB & t post a XXXX deduction from my account? BB & t stole this money according to the manager on duty cause they dont make reservations in person at this hotel.
Consumer complaint received 2021-05-04
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Utah System of Higher Education (AZ)

I am a military Veteran who has been in the process of purchasing a home for me and my kids since start of XX/XX/XXXX. After working with loan officer and to get all requested parts of the process completed for Pre Qual we moved forward and then in XX/XX/XXXX Utah Higher learning reported 90 days late. This came as a surprise and cost of a home for me and my family after reaching out to Utah Higher Learning Education and started an investigation on the reason why the loan was reported late and due to the Cares Act loans was prohibited from being reported late during the pandemic at the time until XX/XX/XXXX until the Cares Act was extended into XXXX. I reached out to UHEAA loans department to try and get this reporting removed and this went through first line reps up to a Supervisor which informed this loan wasn't a federal loan at the time I received around XXXX and due to my filing it should have been removed with XXXX bankruptcy. One first line rep suggest I file their forbearance paper which I did and faxed on different occasions which different reps gave me numbers for faxing for review. At the same time I have started the process for XXXX and XXXX XXXX. I call back again at least once a month up to presence with bankruptcy attorney and loan officer and once the process for XXXX process started my status change and being review by XXXX ( Dept of Education ) The UHEAA reps stated they can't go back and update the reporting late error in XX/XX/XXXX and the forbearance request will be denied without review due to TPD processing put me in a pending status. The docs I faxed to UHEAA was denied and I lost on the home and now in a month to month process where me and my kids can end up homeless and due to VA loan process the error is creating an issue to move forward. UHEAA loans dept have not change the error reporting late.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2021 I paid XXXX dollars to XXXX XXXX  credit card. I paid XXXX  XXXX credit card and XXXX XXXX bank credit card at the same time ( both full payment, 0 utilization ) Based on the successful payment to credit card, my credit utilization should be updated and credit scores should be increased by three credit bureaus [ XXXX, Experian and, XXXX  ] ASAP.

But three credit bureaus act slow and maintained wrong amount ( credit utilization rates )
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 I paid XXXX dollars to XXXX XXXX  credit card. I paid XXXX XXXX credit card and XXXX XXXX bank credit card at the same time ( both full payment, 0 utilization ) Based on the successful payment to credit card, my credit utilization should be updated and credit scores should be increased by three credit bureaus [ XXXX, XXXX and, Equifax ] ASAP.

But three credit bureaus act slow and maintained wrong amount ( credit utilization rates )
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MN)

Someone, unknown opened credit cards and accounts in my name and abandoned them with outstanding balances. 

I have provided the credit reporting companies with correspondence from the Creditors ( ie XXXX XXXX, XXXX XXXX, etc ) that confirms the information in their files resulted from fraudulent activity and that the information should be removed from my records. 

Experian in particular continues to report information in my records that is attributable to the fraudulent activity. In addition they report derogatory information about my legitimate credit activity. A recent report to a potential lender stated " proportion of balances to credit limits is too high on bank revolving or other revolving accounts ''. In fact my legitimate accounts are {$0.00}. 

How can I force Experian to report accurately and if they do continue to report falsely how long until the information expires?
Consumer complaint received 2021-05-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Investment Retrievers, Inc. (OK)

I could not list all the complaints I have on this company and the employee, but this employee has called numerous times my cell and work phone. This debt was over a repo that was resold a month or two after it was picked up from my possession in XXXX. So this is over 7 years old. He has put a lien on my bank acct and now threatening to call the county that I just purchased my home in and put a lien on my home. He hasn't used bad language, but has talked verbally abusive to me and my boss. Also gave more info ( PHI ) to my boss then need to conduct his work. And I have been off work 3 times without pay for XXXX. I am a frontline worker. The debt that he is trying to collect is XXXX. The lien on my acct was done XX/XX/XXXX.
Consumer complaint received 2021-05-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (MD)

My loan should not have been for XXXX, as I made a XXXX dollar down payment and declined the extended warranty. The dealer was supposed to return those funds to westlake. I never heard of they did or not. Westlake is reporting information incorrectly across all three credit bureaus. They have been reporting me as 90 days late since XX/XX/XXXX, on XXXX there are two payments listed as OK for the months of XXXX and XX/XX/XXXX, but I did not have the car at that time. The last activity is reported on XXXX as XX/XX/XXXX and on XXXX as XX/XX/XXXX, and XXXX has nothing. The closed date on XXXX is XX/XX/XXXX and XXXX/XXXX  is blank. The reporting is a mess.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Northstar Location Services, LLC (IL)

To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} This agency Northstar Location Services is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report. I demand that this account be deleted immediately and I request a free copy of my report after the changes have been made ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C 1692g
Consumer complaint received 2021-05-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

TD Bank in XXXX MA has a sign on their door clarifying that per MA regulation, clients are to wear face covering. It further states that if clients are unable to do so ( e.g. for medical reasons XXXX, they will make alternative arrangements to deliver the service. 

Today I was refused access to my safe-deposit box because they determined that my face covering XXXX what they state they require, and also compliant with MA regulations that you have a fabric covering over nose and mouth ) was inadequate because a teller wanted a " mask. '' I explained that I was compliant with MA laws. I was told it didn't matter, that they had TD requirements ( which clearly contradict what their public notice declares ) and that if I didn't wear a mask they provide, they wouldn't serve me. That option wasn't practical for medical reasons. 

There should be accountability for capricious denial of service and access to my property.
Consumer complaint received 2024-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

my house was rezoned to require flood on XXXX XXXX newrez sent a letter post marked XX/XX/XXXX but letter was dated XX/XX/XXXX advising i had 45 days to obtain flood from date of letter. I immediately contacted my ins agent and purchased flood. fema has a 30 day waiting period to activate. called newrez mortgage and explained. I sent my paid credit card receipt for flood. Newrez placed me in a flood policy and trying to collect {$100.00} by adding to my monthly payment. would like a credit from them but no response just bill
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I called on chase bank on XX/XX/XXXX to report fraud via someone using the XXXX  app to siphon XXXX ( XXXX charge of XXXX and another of XXXX ) dollars out of my savings and checking accounts. I filed a claim with chase and after 2 days of investigation, chase decided that I authorized these transactions and that I received emails and texts about these transfers ; both of which never happened. I then grew very distressed and discouraged and implored to chase that I hadnt done any of this and what to do from this point on. They proceeded to tell me that I must prove that I never made a XXXX account via faxing documentation ( like Id have that in the first place ). I called XXXX  customer service, and by the grace of XXXX, was able to get a representative that explained to a chase claims representative that I never made a XXXX account and also that someone elses name was under the account with my banking info. If this wasnt enough proof then there wouldnt be. I opened a second claim for the same theft but what I had to do to get my money that chase lost was very sickening to say the least. Chase banks needs to be investigated promptly as I believe their own staff is stealing from clients. Also, I believe you do this by way of XXXX transfers which I had to look up.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

Seterus sent my mortgage portfolio to mr. cooper management. Seterus sent the mortgage portfolio minus the escrow account funds to mr cooper. Then went out of business for bad practice. Mr cooper could not retrieve the escrow account money due to seterus being out of business. Mr cooper decided to get the money from me. Meaning I paid seterus in full and mr cooper in full. Contacted mr cooper explained there was no shortage on my end, but they did not care and continued to charge extra from the escrow account for one year. At the end of the year XX/XX/2020 now having collected XXXX dollars. Mr cooper collected XXXX extra in escrow account payments and traded me to XXXX in XXXX. XXXX continued to charge double in escrow payments. I brought it to there attention that I was overpaying after 4 months of talking with XXXX they sent me a check for a XXXX dollars in overpayment to my escrow account. The XXXX had charged me XXXX lowering my payment back to the original amount. What I'm after is the overpayment in XXXX dollars from mr cooper.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX XXXX XXXX Amount : {$6800.00} 15 USC 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 account without my instructions
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: U.S. BANCORP (DC)

The complaint contains multiple issues from what is advertised on the card overview, to the card fee schedule, to information provided by customer service. 

1- Customer Service stated that the card allowed 2 - Online transfers for free per month to a personal checking account, with a maximum of {$2500.00} per day. Attempting to make that transfer the maximum amount allowed was {$2000.00}. 

2- Fee Schedule ( Maximum ) website states the following, in contrast to the Fee Schedule and Cardholder Agreement on the same page : Maximum Daily Debits- 20 transactions and {$2000.00} per day ATM Withdrawals- 10 transactions and {$1000.00} per day Purchases at the Point of Sale ( including cash over the amount of purchase ) - 20 transactions and {$1500.00} per transaction Teller Cash Withdrawals ( at Visa or Mastercard member banks ) ( Financial Institutions may have lower limits ) - 2 transactions and {$1500.00} per day Bill Pay Transactions- 10 transactions and {$2000.00} per day 10 transactions and {$3000.00} per week 20 transactions and {$5000.00} per month The Fee Schedule / Card Agreement states : Maximum Daily Debits- 20 transactions and {$6000.00} per day ATM Withdrawals- 10 transactions and {$1000.00} per day Purchases at the Point of Sale ( including cash over the amount of purchase ) - 20 transactions and {$4000.00} per transaction Teller Cash Withdrawals ( at Visa or Mastercard member banks ) ( Financial Institutions may have lower limits ) - 2 transactions and {$5000.00} per day Bill Pay Transactions- 10 transactions and {$2000.00} per day 10 transactions and {$3000.00} per week 20 transactions and {$5000.00} per month
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Dynamic Recovery Solutions, LLC (CA)

On XX/XX/XXXX I got an alert on my XXXX  credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company Dynamic Recovery Solution as the collection company. There is no original lender listed and there is no company listed as the entity that sold these false accounts to Dynamic Recovery Solution. So I disputed this info directly on the XXXX  website ( am waiting results ). I reached out to Dynamic and requested the original loan docs for the 3 accounts that they were reporting for me, and they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I am not even able to contact the original lender because there is not one listed!! I explained this to XXXX  and am hoping they can remove these accounts asap, but I wanted to make a formal complaint with the CFPB to make this issue known on a larger scale. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accounts then they should not be on my credit report. PLEASE HELP!! As this is not the first time I've had to report false collection accounts on the CFPB, the same issue arouse in XX/XX/XXXX.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

XX/XX/XXXX I applied for an online loan with XXXX XXXX  and also a checking account. I was denied and one of the reasons was that the bank was unable to verify my identity. DataX was listed at a reporting agency that gave the bank my info to base their decision. I ordered my report from DataX and all of my personal information was outdated and incorrect. I sent back the dispute letter writing what was incorrect but a few days later I got a letter back stating that they can not fix inquiries. So I called DataX on XX/XX/21 and spoke with a rep. She advised me that I would need to contact the very first lender or bank I ever applied with and have them update my information because dataX can not do it and my information they have on file will be on there for life.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX CARD account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2021 ( PORTFOLIO RECOVERY A ) added a derogatory mark on my credit report per XXXX XXXX This account has been terminated/sold and i am no longer responsible for the account. Debtor didn't verify this collection. also there was no written form of communication or contract. A bill without signature doesn't validate the debt according to the FCRA. 
( PORTFOLIO RECOVERY A ) has violated my rights as a customer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (CA)

I lost my job in XX/XX/XXXX due to Covid. My husband and I contacted Amerihome Mortgage to advise that we were unable to make payments on time but we were continuing to make payments in full on our mortgage. The only relief that was presented was a forbearance. We decided in XXXX to apply for the forbearance. Our account at that point was up to date. We were advised that the full late amount would be due at the end of XX/XX/XXXX. We decided to sell our home and paid in full for the debt secured by Amerihome prior to the due date. We noticed 90 days after delinquent payments and open account were still showing on our credit report. We contacted Amerihome on numerous occasions, emailed, and faxed our documents to their credit and satisfaction department with no help. To date, our credit report still show open and delinquent payments from XX/XX/XXXX-XX/XX/XXXXWe were on time on the mortgage payment in XX/XX/XXXX and the previous payments were made late but notified to our lender ( Amerihome ) prior to due to Covid ( loss of my job ). We are currently trying to purchase a new home and this is greatly affecting our credit and preapproval for a new home purchase.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MN)

These accounts and inquiries are not mine they was made without my permission, consent, inquires. JPMCB Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.