davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (ID)

I have disputed this debt with Experian 3 times, I sent the documentation showing that account had been paid and the check had been cashed by the creditor. The account needs to be updated as paid on my credit report. They keep verifying the account as not paid, I've tried to contact the creditor but they are no longer in business. Experian is not doing doing their due diligence.
Consumer complaint received 2017-04-03
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have federal VA XXXX funds and VA vocational rehabilitation funds deposited in my account with TD bank. I keep getting levied by the child support enforcement agency. The bank says that these are not protected funds and that the agency is the one who determines if they are or not. they also say it is not their responsibility to do a 60 day look back. According to Fed law 5CFR 581.104 these are not allowed to be levied. Also title XXXX part XXXX out lines how to identify the federal deposits and again they insist that it is not their job to check the deposits. It is clearly marked on my statement. Yet they refuse to even consider reading the law. They say that the NJ state law allows them to do this. I did n't think that state law could over ride the the federal law. If so i would like a detailed explanation of how it works. Saying just because of this law or another is n't good enough. When I read the law I see that there are a lot of moving parts and one of them is the exemptions to these types of federal deposits. These levies that i have encountered have put a large strain on me and my family. The bank hits me with Levy fees and low balance fees. I have issues trying to get them back. I have problems paying my bills and bounce checks because of these levies.
Consumer complaint received 2023-11-30
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: DISCOVER BANK (FL)

Ex-Husband opened Discover Financial card in my name without my knowledge or consent in the amount of {$14000.00}. This was brought to my knowledge after reviewing my credit report. I immediately called Discover and had the card in his hand turned off and asked for transaction history-there was only one transaction and it was a balance transfer from his XXXXXXXX XXXX XXXX XXXX. Ex-Husband admitted this was his balance in court and the Judge ordered him to pay this ( court document was provided to Discover and their lawyer ( collection company ) XXXX XXXX XXXX XXXX He also went to XXXX shortly after serving life for many reasons-one including held in contempt to not following judge 's orders. I disputed this on all credit bureaus which include XXXX etc. I even kept in touch with XXXX XXXX XXXXXXXX and Discover at the same time in XXXX of 2023 and called ever 2 weeks, provided them judge documentation and a case number with the police department when I reported it fraud because this needed to be deleted off my credit report. The denied my fraud claim and said after 90 the investigation showed I would still be held responsible for this amount even after all the documentation that I provided.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (UT)

On XX/XX/24, I received a call from a man claiming he was calling from the Navy Federal : Fraud Department. I started seeing fraud alerts in my email. The man assured me he was going to resolve it, then walked me through the steps to transfer over the {$4200.00} to an unknown third party. He informed me this is what needed to be dont to restore the issue in my account, I then transferred the money and he was also going to order me a new debit card. The next morning I woke up and tried to go into my account and it was locked, I called Navy Federal on XX/XX/24, they said someone scammed me and committed fraudulent activity on my account. When I spoke to Navy Federal about the call they said they did not call me. I spent hours on the phone with Navy Federal trying to resolve what had happened. They said an investigation was going to be needed on my account. On XX/XX/24, I called to ask a status update on the investigation. They informed me it was denied, I did not receive any notice that the investigation was over, there was no communication. At this point XX/XX/24 I filed a security appeal form and sent this over to them explaining the situation. On XX/XX/24 I called them again to which they informed me my appeal was denied, I spoke to a manager who told me they could not do anything to help restore my funds and told me to try filing the same appeal again. This has consumed my last XXXX XXXX paycheck of {$2400.00}. There has been no communication from NFCU, I have to be the one to contact them for information entirely.
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NJ)

On the XXXX XXXX, XXXX, I received another mail from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, representing a debt collection agency, LVNV Funding LLC, in reference to an old, XXXX XXXXXXXX account, from almost two decades ago. The letter did not state or specify an actual amount owed, but threatened to garnish my wages, if I do not respond within 10 days. Not exactly sure if these scoundrels who pose as debt collectors really think that Im some type of ignoramus or a pushover, that will easily cower to their chicanery. Let me make it clear, for the umpteenth time, that I do not owe this debt, and wont fall for their perfidy. Keep digging up old, unsubstantiated accounts, and I will continue to report you to the CFPB, until you become moribund and out of business! Might I also add that I conducted a search, using the docket number XXXX, XXXX XXXXXXXX XXXX XXXX, associated with the account, and turns to be non-existent. A complete sham! The courts website : portal.courts.gov, does not have anything remotely close to this dubious judgement. This is a time-barred account that totally lacks merit, and in all pithiness, null and void. Finally, this is a cease and desist letter adjuring LVNV Funding LLC, its associates and subsidiaries to stop, henceforth, any communication or correspondence, regarding this meritless account or debt.
Consumer complaint received 2023-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

Received our Annual Escrow Account Disclosure statement from our loan servicer, Lakeview Loan Servicing , LLC on XX/XX/XXXX. After reviewing it we came to find that they grossly misjudged the projections for our school taxes for XXXX. They projected our school taxes would be {$120.00} when actually it was {$2600.00}. They were increasing our monthly payment to collect the escrow shortage of {$2700.00}. 

I called our loan servicer, Lakeview Loan Servicer ( XXXX ), on XX/XX/XXXX to try and make the escrow shortage payment in full. When I called their was an automated message stating the company has been hacked and they have no access to our personal information. When I finally spoke to a representative she had no idea when customers would be notified of the hack and could not access our loan. 

Since XX/XX/XXXX I have not received any official notice from the company that their has been a data breach. There is no way to access our loan online to make payments, and no one answers the phone. 

On XX/XX/XXXX at XXXX I received an email from Lakeview Loan Servicing XXXX they had created a new website that was able to be used for customers to make payments, and they stated we would need to reenter our bank information. This website was only accessible by clinking then link in the email. We have no way to tell if this website is real or part of the attack. I tried calling them at their number XXXX and it goes to an automatic answering service that asks for your last 4 SSN to verify you. When input the call is automatically ended. When I Called back it then asked for either my loan number or full SSN to verify my account. After I entered in my loan number it said my loan could not be found. There is no way to speak to a real representative. There is no way to pay our mortgage or to know if our personal confidential information has been leaked.
Consumer complaint received 2015-09-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cohen & Associates (CA)

In XXXX I received a voice mail from the " Litigation Department of Cohen And Associates.Stating That XXXX Bank was taking me to court that week and once a verdict was found against me my wages could be garnish and even bankruptcy would n't relieve me from the debt. So I called Cohen & Associates and was transferred to the " Litigation Department '' and a very authoritative XXXX XXXX XXXX, tells me that unless I make a payment immediately his lawyers were going to go before the judge and get my case on the docket. I have a settlement letter from him saying that XXXX bank is suing me for over {$4000.00} ... The original debt, plus interest plus, & court fees. I do n't know how to get representation XXXX, XXXX where XXXX XXXX XXXX told me my case would be presented XXXX, when I now live over XXXX miles away. So I begged and borrowed and came up with {$1000.00} and settled the debt with XXXX XXXX Bank. Then to my surprise I begin getting multiple letters from other collectors collecting on this same account. I send them my settlement letters and they ca n't understand why I paid XXXX when my total debt is only XXXX. I finally get in contact with Cohen and Associates, but no XXXX XXXX XXXX this time, only to be told that there was a clerical error, XXXX XXXX XXXX had entered the wrong account on the paperwork, the {$1000.00} settlement really being applied to a XXXX account from 2007 and he will gladly send me an updated Release of Liability With the correct account number. I understand that I may owe XXXX but Cohen and Associates did n't even own the XXXX Account so how could they represent it on their paperwork. Not once in any of my communications with Cohen Associates was XXXX mentioned. I believe that i was threatened falsely, grossly misled and right after I made this payment I got a letter from another collector offering a settlement on the same XXXX account I was told I had settled for XXXX. At that point I could n't pay anyone anything, and now that settlement offer is no longer available, I believe I was done so wrong and Cohen and Associates grossly misled me and something needs to be done.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (AR)

This case has been taking almost a year. I suffered from an ID theft in XX/XX/2023. I discovered this by one of my financial institution 's notification. Altogether three of my accounts were affected : XXXX credit card, XXXX  account, Wells Fargo credit card. I'm filing this complaint against Wells Fargo. With the other two institutions, the matter was cleared within a month. With WF, they are still sending me the bill that I do not owe. Within the 1st week of the incident, I filed a police report, FTC report, and placed security freeze with the 3 major credit bureaus. All of these docs can be submitted upon request. 

With WF ( and the other two institutions ), I filed the fraud form identifying the fraud transactions and paying off the valid transactions. Nevertheless, they say that the account was opened by myself initially and therefore I'm responsible for all those fraud charges. I do not know what to say to this logic. I repeatedly requested that the account must be permanently closed, which they didn't to my very surprise. 

In XXXX last year they sent me a resolution letter. However, a few weeks later they sent another letter that there is a remaining balance. The balance was due to the transactions that took place after XX/XX/XXXX when I completely stopped using any credit/debit card. ( Even as of today, the security freeze is in effect and I don't have any card. ) I received another decision letter on XXXX last year that was in my favor. To my surprise, on XX/XX/XXXX they sent me another letter that I still owe the balance. There must be something very wrong with their system. 

I'm starting to take legal action and this is my first step. I'm doing my research to take additional actions, including small claims court and/or consultation of a lawyer. I wouldn't normally consider the last option since the amount debated is around {$2700.00}. The lawyer fee will easily exceed it. However, XXXX found that I was affected by their data breach incident several years back. I believe that I can secure the funds for the suit from them. 

I was WF 's 30 year mortgage customer and paid it off in 11 years XXXX last year. There was not a single late payment but this is how they treat their " valued '' customers. My credit score was XXXX before the incident but now XXXX, mainly because WF 's wrong credit report.
Consumer complaint received 2023-11-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC (WI)

In the last CFPB complaint XXXX. I asked this company for very specific information, which to date has still not been provided. 

I am requesting an actual physical transactional statement of all loans and transactions both successful and declined, which as an organization should not be taking this long to provide!
Consumer complaint received 2023-12-11
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. (MO)

And yet again experian is closing complaints without having addressed any of the issues which is Experian NOW has stolen 18 months of on time never late payments to XXXX and refuse to give them back and it is greatly affecting my credit
Consumer complaint received 2024-01-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (IN)

XXXX  XXXX XXXX I made a mobile deposit of {$4000.00} into my wifes and I  savings account. I was notified that there was a hold placed on the account until XXXX. On XXXX I was then notified that the savings account had been restricted due to it being suspicious, irregular, fraudulent, unauthorized or unlawful. I then called and was told to visit a branch. I spoke with the branch and was told to sit tight and it should be resolved on its own, like a deposit hold, the fraud dept restricts the account. The branch did nothing further. I also verified that the check cleared from the bank. I believe Regions is accusing me of fraud and wont let me access my money.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (CA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/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 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

on XX/XX/2023 a withdrawal from my Usaa checking account occurred without my knowledge in an amount of {$500.00} making my account they say overdrawn. Usaa did a transfer out of my account without my knowledge or consent. They say money was transferred to XXXX XXXX but XXXX XXXX knows nothing about this and money is not in my XXXX XXXX account. Even though I requested full info in writing about this transaction, Usaa has not sent anything to me explaining how this happened and are not refunding my $ XXXX don't believe XXXX XXXX  did any such transfer out. Money is missing as of XX/XX/2023
Consumer complaint received 2023-11-30
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: JPMORGAN CHASE & CO. (FL)

XXXX I order a XXXX XXXX XXXXXXXX XXXX XXXX XXXX The driver never showed up so I canceled for a refund. The company sent a email that I would get my money back. I uploaded the email to Chase supporting documents. Chase said the company sent a copy of the cancellation policy. I canceled to get my money back because no services were provided.
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TN)

Transworld systems inc a debt collector is reporting inaccurately a debt i am not contracted with on my XXXX credit report : XXXX show closed but is reported in collection. 
I have even sent letter certified mail with return receipt to XXXX and TSI to dispute the erroneous collection, they clearly do not do their part to protect and verify our information properly and violate my rights!

I have NOT given them written permission to put anything on my consumer report.

i never contracted with TSI, they haven't provided me with any proof of chain of assignment, chain of title, ANYTHING but a computer letter that I contested. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information.15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy. 
It is unlawful for the advertisement of any debt specially when it is INNACURATE they need to stop harassing me by reporting false information on my credit report. They have caused me severe harm and Anxiety to me and my family!
Consumer complaint received 2020-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I went though a divorce several years ago, my husband Quit claim deeded the martial residence to me. I 've forwarded financials and request for modification to the mortgage servicer serval times. My credit has been pulled numerous time as well, I still reside in the property. Select Port Folio has assigned my file to several relationship managers, no one with the mortgage company has completed the request for mortgage modification. I feel I 'm being given the run around. I was also recently informed I needed to attend a Hud homebuyer class. I 've owned several homes and I feel I 'm being harassed and decimated against. I want the mortgage company to please complete the modification request There is a pending property foreclosure sale date set for XX/XX/2017. 
Please HELP.