davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

A company by the name of XXXX XXXX XXXX was recently added onto my XXXX credit report, by their collection agency Genesis Credit Management, as a new collection account three years after they were included in my Chapter XXXX  Bankruptcy back in 2016. This same company started harassing me a few months after the filing of my bankruptcy, which I let my attorney know. He insisted that he'd contact them to stop harassment, so I know for a fact that this company is aware they were added into my bankruptcy, which also shows in my bankruptcy schedules. This has also dropped my credit score, so I'm now having to prove to XXXX these same facts. What they've done is illegal, and upon doing research on this company, I learned that they have a history of this devious behavior, and would like to file a complaint. I also plan on seeking legal counsel to sue for damages.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (CA)

i applied a refinance with Guild mortgage on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX ca XXXX branch 3.5 % plus 1.125 point locked on XX/XX/XXXX and then he increased to 1.875 point when i complained he decreased it to 1.5 point according his email on XX/XX/XXXX he and his assistant XXXX, XXXX keep asking me to submit documents XX/XX/XXXX XXXX, ( 3 times ) XX/XX/XXXX ( 2 times ) XXXX ( 3 times ) XX/XX/XXXX 2 times XXXX andXXXX also i went to their office to scan my trust after all this he email me today to pay some credit because of ratio just discovered now after 2 months and after i paid appraisal actually because of point he need to pay ..
Consumer complaint received 2020-07-14
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (CA)

AMEX with limit of {$1000.00} was hacked and charges ramped up well past the limit. Fraudulent attempts at payments pulled from my XXXX XXXX account. AMEX allowed over {$7000.00} in charges. XXXX reversed all payments to them. The XXXX account has since been closed. AMEX will not explain how they allowed these charges to exceed {$1000.00} or how they could allow 10-12 attempts to get payment of the AMEX account in a single day. 

AMEX calls every day including Sundays for collections. At this point, I am still attempting to fix this and other issues with XXXX and preparing filing a complaint against AMEX for fraud and negligence. The AMEX account has been closed.
Consumer complaint received 2020-05-04
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: Experian Information Solutions Inc. (CO)

On XX/XX/2020 I sent a letter to Experian stating that my HIPPA rights had been violated. I asked for debt validation letters from XXXX XXXX. What they sent, astounded me. There were medical procedure codes and diagnosis listed in the verification without any type of signed HIPPA release for. This is a blatant violation. I asked them to investigate the matter. They never even responded to me. Attached, you will find the letter and supporting documents I submitted to them. I also attached a copy of the certified mail tracking number. If this matter is not resolved I intend on filing suit.
Consumer complaint received 2019-05-20
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: HYUNDAI CAPITAL AMERICA ()

the following account are not mine, ( XXXX XXXX AND KIA MOTORS ) these are fraud accounts opened under my name, i have attached my police report due to this effect, i have also disputed these inaccuracies with XXXX many times, but they are not helpful at all, please help me with this inaccuracies to be removed. please find attached the same paper work that i had sent to XXXX XXXX   as well. 
thank you for your help and cooperation
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I opened a secure credit card with XXXX XXXX  last year I had XXXX XXXX  on time payments right before my first year mark was coming up XXXX XXXX closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not XXXX XXXX
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (AL)

I have a mortgage with Truist. My son, myself and my husband are all on the deed to the house and on the loan. Its my sons primary residence. Truist over withheld escrow last year and sent me a refund without the required interest. It lowered the payment commensurate with the lower property taxes. I then continued to pay the higher amount expecting the additional amount to be applied to the principle balance. Without any written notice to me, Truist raised the payment amount and reverted to the previous payment, and instead of applying the extra amount to the principle balance, it continues to keep the money. I have spent hours on the phone with them and even contacted the Truist Chief Financial Officer. He knows this is happening and had someone contact me and that person never followed through. I was contacted a week ago. I told her all she had to do was call the property tax office and they would corroborate what I stated. Crickets. I sent a text to the CFO again, and again, crickets. I even sent a XXXX message and was thanked for my patience. Truist is keeping extra escrow and they will not pay me with interest as required by Federal law, and under Alabama law nor will they apply it to the principle balance. The taxes are about {$3300.00} a year and insurance is about {$2000.00}. They are withholding {$720.00} a month and refuse to resolve this. Its not that tough. They have one job. My suspicion is that this is a common practice that allows them to make more interest by refusing to elevate complaints, by refusing to respond to mortgage borrowers, and by refusing to refund the interest.
Consumer complaint received 2019-05-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Forster & Garbus LLP (NY)

Forster & Garbus LLP has garnished my wages as the acting attorney for XXXX. I spoke with XXXX and they have no record of my name, phone number or social security number. Futhermore they have an old address on the paperwork so there was never any indication I was getting garnished by these people. I have attempted to call them to resolve but they will not answer my calls. I looked them up online and came across this article. XXXX XXXX XXXXXXXX I would like to file a complaint and stop my garnishment immediately
Consumer complaint received 2018-06-13
Product: Credit card or prepaid 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: KEYCORP (OH)

I contacted my credit card company to dispute 2 items on my XXXX statement. I went on a XXXX cruise and made these purchases, but the items were defective, I did not discover this until I returned home. I was told I had a lifetime warranty with the device, but I was not told by the merchant that I had only three days to register and that all sales were final, these detail were conveniently left  out. Since I was on a cruise ship, and I did not open the packages to see the registration card until I returned home, I was unaware about the registration deadline and did not see the small print disclosure on the receipt. It also stated I had 14 days to return or exchange the items. At this point, I filed the dispute since the items did not work properly, returned the items ( insured ) back to the merchant. I received the package back unopened " refused '' and ultimately in the end, KeyBank XXXX denied my claim strictly because of what was printed on the receipt, " all sales final ''. I tried to reason with my bank and explain the extenuating circumstances - my concern that other potential customers may be scammed as I was ( almost {$2000.00} loss ). They told me to file a claim with my attorney general 's office and apologized, that there was nothing else they could do to assist me since they were following policy. I found this unacceptable, and I am sincerely hoping someone will assist me with my appeal to XXXX. It is difficult for me to accept that a merchant ( Forever Flawless ) can sell faulty new merchandise and put whatever they want on a receipt and just get away with it. Consumers should have some rights and be protected against scammers. This was not a $ XXXX {$10.00} item which I can just write off, this total cost was almost {$2000.00}!
Consumer complaint received 2019-05-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NY)

I was a XXXX customer. I went into foreclosure and they received FHA insurance payments towards the loan but did not inform me for 6 months. I contacted The HUD executive team via President Obamas cabinet and immediately I was granted the modification in fact it had been approved for months. I made my payments on time but 5 months later the roof caved in in one bedroom. I contacted XXXX XXXX XXXX. They sent XXXX! XXXX XXXX gutted the entire top floor leaving only the shell of the house. I was informed that I had to pay the contractor to avoid the house from catching a fire due to exposed electrical wiring. I was compliant. The insurance company waited 3 months to submit the check with the contractors name attached. I BEGGED EVERYDAY FOR THE BANK TO MOVE QUICKLY. I CONTACTED THEM EVERYSAY TO AVOID GOING BACK INTO FORECLOSURE BUT they informed me that there property damage and customer service team were both a part of XXXX but did not communicate or collaborate. Soon thereafter I was placed in Foreclosure AGAIN!!! The bank said I had to wait a year to qualify for assistance I waited I was told then that I was misinformed I had to make payments for a year. I was livid!!! I was then transferred to Midfirst Bank. I provided them with all documents but received a sell date of XX/XX/2019. The sell date was made before the midfirst ownership. Midfirst told me that I DID NOT QUALIFY ON XX/XX/2019. Please help me! Please
Consumer complaint received 2019-05-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked TransUnion to validate and remove these accounts from my credit report on XX/XX/19 and again on XXXX or XX/XX/19. 
*XXXX XXXX {$2600.00} *XXXX XXXX   {$550.00} XXXX XXXX XXXX {$880.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$260.00} I do not have accounts with these companies and have asked that they stop reporting on my credit file my name is XXXX XXXX XXXX. 
These accounts belong to a XXXX XXXX. I have asked for validation/provide documentation/applications with my name XXXX XXXX on these accounts and these companies can not and have not done this. TransUnion is linking this person to my social security number and name likeness. 
These are fraudulent accounts using my social security number and someone else last name reporting on my credit report.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NC)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (NY)

Barclays Bank and Visa refused a card benefit they advertise. Details are as below. 

I am a holder of a XXXX Visa Card ( credit card ) issued by Barclays Bank. The bank claims that all card holders are covered by their " Cellular Telephone Protection '' program as long as monthly bills are paid through the card. However, when I tried to file a claim, Visa told me that this credit card does not have such a benefit. Barclays Bank initially tried to resolve this inconsistency, but now they stopped attempting to resolve this issue, saying : " While the coverage is covered through Visa, it is at their discretion on whether a phone is covered for the insurance or not. We apologize for any inconvenience this may cause, but we will not be able to assist you any further on this matter. '' I started to use this card purely because of this benefit, but now the card issuers deny the benefit.
Consumer complaint received 2024-03-14
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: CL Holdings LLC (IL)

I began dispute number XXXX for a collections account on XXXX named Jefferson Capital twice recently. The most recent was on XX/XX/XXXX. Both of the results came back as accurate. The original debtor is XXXX, which is no longer in business. Actually, I tried to file a complaint in XXXX via CFPB when the debt initially went into collections. It was forwarded to because CFPB was not able to contact XXXX. It was forwarded to FTC, then closed. I had to file another complaint via CFPB for XXXX because this debt came back from another collections agency and it was removed. The second time it appeared on my credit, XXXX verified the account as accurate.They did not provide the basis for the accuracy especially since they removed it previously. It was removed again. This account appeared on my credit for a third time and was removed. Now, it is on my credit from Jefferson Capital. On XX/XX/XXXX, wrote them explaining the aforementioned prior to it appearing on my credit and the collections appeared on my credit anyway. On XX/XX/XXXX, I wrote a complaint to Jefferson Capital ( with delivery confirmation ) requesting for the original bill and contact information for XXXX for to forward my complaint directly to them. If they can not provide this information, I requested to remove this account and cease communication. I am awaiting a response. XXXX did not provide the basis of what deemed this account as accurate.
Consumer complaint received 2020-12-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Finance System of Richmond, Inc. (IN)

Friday, XXXX XXXX 2020, an account manager from company Finance Systems in Richmond, IN ( XXXX XXXX spoke to a third party about a personal matter regarding debt that they claim I owe them. I believe the individual involved was also sharing this information with her coworkers as they somehow knew who I was before I even gave them my name. Its scary to imagine that a random number can call this organization and the operator can give them my name without my consent. I felt that this was very unprofessional and definitely a violation of the Fair Debt Collection Act, hence the reason I am submitting this complaint.
Consumer complaint received 2020-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$330.00}
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I reviewed my Consumer Reports and I been trying to get help for a year already I had XXXX for 2 years I report that to my car bank and I did I made a payment arrangement with them for 6 months and I have 7 late payments on an account that I was never late and those 6 months I sign the documents so this company report 13 late payments in total that is not correct I been trying to fix this problem and I been sending letter by mail and trying to contact them to fix this problem and I still don't have any answer about this. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for the account ( Toyota Motor Credit ) ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2019-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Company in question : Lakeview Loan Servicing ( subservicing by XXXX ) Goal : Obtain documentation from XXXX where overpayment of monthly mortgage is going. 

Issues : 1. From my bank I send {$1000.00} monthly ( fixed amount ). XX/XX/2019 I received an " annual escrow account disclosure statement '' dated XX/XX/2019 which raised questions. 
2. The monthly fixed amount I pay for my mortgage is NOT correctly recorded at XXXX ( see info further below ). They are recording {$1000.00} - {$22.00} less than my actual payment. 
3. I have no idea where the over-paid amount is going. 
4. I can not reach the staff at XXXX. When I phone, a message says they are having " technical difficulties '' with a " one hour  wait '' and to " call back in two hours ''. The web page to submit a written message does not work ( no form, nothing ). There is no other way to reach this company unless I write a letter. 
5. No history of the actual fixed monthly payment amount from my bank ( {$1000.00} ) is documented on the website. 

As I have not checked my account at XXXX in over a year, I logged on. NO WHERE at the site does it record the {$1000.00} ( i.e. payment history, escrow, etc. ). There is NO history of ANY of my monthly mortgage payments ( that I could find ). 

Example : I paid {$1000.00} on XX/XX/2019, but the site ( see below ) shows {$1000.00}. This is a difference of {$22.00} on a monthly basis. 
XXXX Last Payment Received XX/XX/2019 Principal {$260.00} Interest {$490.00} Escrow {$300.00} _____________ Total {$1000.00} =================================== The XXXX   website " payment history '' screen does NOT show the {$1000.00} payment for XX/XX/2019 ( or any date from that matter ), nor the overage payment of {$21.00} ( or where that money went ). 

See example below from the website " payment history '' page. 
================================================== Due Date XX/XX/2019 Applied Date XX/XX/2019 Description MortgageInsuranceDisb Principal {$0.00} Interest {$0.00} Escrow Paid $ -XXXX AmountPaid $ -XXXX Escrow Advance {$0.00} Escrow Balance {$740.00} Principal Balance {$150000.00} ==================================================
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (NY)

This is currently reflected on all three of my credit reports as of XX/XX/XXXX. Harvard Collection serv. Acct type Collection. Date opened XX/XX/XXXX. Status of this account reflects Past due amount {$970.00}. Balance updated on XX/XX/XXXX. Paid off 0 %. Ive utilized XXXX and it states that there is No match for this collection company.
Consumer complaint received 2022-10-05
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. (CO)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S. Code 1681 section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I went to withdrawal money from a bank teller, and she miscounted and shorted me {$20.00}, when I asked to see cameras they told me to call a number. They also, said the drawers were not over which is untrue as money was missing from the amount given to me of {$420.00}
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

We had a mortgage through freedom mortgage and sold the property. XXXX sent the mortgage company an insurance refund on XX/XX/21. I called freedom mortgage multiple times asking them to release the funds to me within the mandated 20 business days. They finally issued a check to me 25 business days after they received the money ( XX/XX/21 ). I received and put this money into my bank account on XX/XX/21. On XX/XX/21 my bank notified me the check was bad, and i called freedom mortgage and they informed me they put a stop payment on the check and dont know why they did this. They now say they need another 10 business days to issue me another check. They had a exceeded the allowed time they are allowed to hold someone elses money by 3 weeks, which is illegal. I tried to resolve this with the company and ask them to get the money to me sooner and they said they could not.