davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forster & Garbus LLP (SC)

I have a complaint on FORSTER & GARBUS LLP. 

FORSTER & GARBUS LLP on XX/XX/XXXX requested wage garnishment from my employer XXXX XXXX XXXXXXXX without sending me notice of garnishment ( attached proof ) which is violated Fair Debt Collection Practices Act 808. They stopped garnishment on XX/XX/XXXX after I have submitted complaint with you COMPLAINT ID : XXXX. 

According to the debt verification letter, court made a judgment decision on XX/XX/XXXX against me at the amount of {$40000.00}. 

FORSTER & GARBUS LLP is claiming a judgment balance : {$70000.00} which is according to provided documents are completely incorrect. 

I have tried to call the number listed in the title page and also given to me by my employer but no one is answering. 

I believe I should not be responsible for this debt due to if you look at verification of debt on page 23 under NOTE DISCLOSURE STATEMENT I have never received the check ( money ) from XXXX XXXX bank but it was given to my brother XXXX XXXX, who cashed out the money and sent to overseas. I have attached proof of wire transfer from foreign bank and NOTE DISCLOSURE STATEMENT is indicates that money has been given to him not to me. 

I see myself as a victim of fraud case and I should not be liable for this debt. I have attached all documents related to this case. I have noted every single document where to look. 

1. XXXX Mail - XXXX - After several attempts to call them sent this mail. 
2. XXXX XXXX XXXXf - Proof of money wire. It shows XXXX by original amount was XXXX. Looks like he kept XXXX. This can be verified by requesting XXXX Bank account statements for XXXX XXXX in XXXX 3. Wire Transfer XXXX - Official letter from my sister where she confirms that money has been wired to her from him 4. Letter to XXXX XXXX - I have requested XXXX to stop the garnishment due to it violated my rights but they have denied my request. 
5. XXXX Garnishment Withdrawal - XXXX - Letter of Garnishment Withdrawal 6. XXXX XXXX XXXXXXXX  - Letter of Income Garnishment 7. XXXX XXXX - On page 16 you can see my phone call log. First attempt no one responded but on second attempt was on hold for 13 mins then it was dropped by them.

8. Verification of Debt - XXXX - page 23 under NOTE DISCLOSURE STATEMENT it shows to whom the check written. also they are bringing up different amounts then what court is approved. 
9. XXXX - Payslip that shows the garnishment but amount is not correct due to they have garnished more. 

Again I was not aware of court hearing and I have never received any summons from them, also I have not received from FORSTER & GARBUS LLP notice of garnishment. 

I am willing to take this to the court against FORSTER & GARBUS LLP for breaking Fair Debt Collection Practices Act. 

I don't know how to deal with them due to they are not communicating with me. I want them at least to send an email to XXXX and stop breaking the law. 

Let me know if you have more questions. 


Best regards, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

I am writing to a file a complaint regarding charge-offs listed on my credit report. These charge offs should be removed from my credit report and any associated negative impact on my credit report. XXXX XXXX XXXX XXXXXXXX the account was closed on XX/XX/XXXX the debt is {$4000.00} and was charged off as a bad debt and canceled by credit grantor, Amex/ Citi , N.A closed on XXXX XXXX charged off as a bad debt and canceled by credit grantor, the debt is {$2500.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX charged off as a bad debt Profit and loss write off the debt {$14000.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX canceled by credit grantor, the debt is XXXX. I was not provided with a form 1099-C for the canceled debt, which is mandatory under IRS regulations . This further complicates the situation and highlights the need for a thorough investigation into the accuracy of the reported charge-offs. I am seeking the removal of the charge-offs and any associated negative impact on my credit score.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

For my business account Was charged a XXXX XXXX monthly fee Account had {$3000.00} in the account with a {$2000.00} min for not incur any fees Call Reference XXXX requested that a formal complaint be filed AND this be escalated and was refused by agent.
Consumer complaint received 2024-02-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Check Resolution Inc. (OH)

I have been harassed by NCR to pay a debt I dispute. They continually call me to tell me that I will be served for this debt. I finally convinced them to follow the protocols and get a copy of the debt from XXXX XXXX. 

In the contract, there is a arbitration clause if there are issues with the debt. That clause was never enacted and the debt was sent to NCR. I want to dispute the debt and even when I received the requested documentation today, I am receiving calls from their representative XXXX XXXX XXXX ) to resolve the matter or be threatened again with service at my job or home.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NC)

I never received a Private Policy Notice or Opt Out Notice from creditor. 
Under the Gramm-Leach-Bliley Act financial institutions must give privacy notices to their customers and consumers a " clear and conspicuous '' written notice describing their privacy policies and practices. 

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. '' The Privacy Rule applies to businesses that are " significantly engaged '' in " financial activities '' as described in section 4 ( k ) of the Bank Holding Company Act. Your activities determine whether you are a " financial institution '' under the Privacy Rule. According to the Bank Holding Company Act provision and regulations established by the Federal Reserve Board, " financial activities '' include : lending, exchanging, transferring, investing for others, or safeguarding money or securities. These activities cover services offered by lenders, check cashers, wire transfer services, and sellers of money orders. providing financial, investment or economic advisory services. These activities cover services offered by credit counselors, financial planners, tax preparers, accountants, and investment advisors. brokering loans. servicing loans.debt collecting.

Whether or not you share customer NPI, you must give all your customers a privacy notice. You must provide an " initial notice '' by the time the customer relationship is established and annual notices afterwards.

Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses.
Consumer complaint received 2023-09-23
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: BARCLAYS BANK DELAWARE (WA)

On XX/XX/2023, I was a victim of a XXXX  where I was forced by two XXXX  to purchase jewelry at XXXX XXXX and XXXX, XXXX XXXX XXXX XXXXy in XXXX and XXXX, Washington, respectively. 

The total was {$14000.00} At XXXX XXXX, {$13000.00} of jewelry was purchased using my Juniper/Barclays Bank credit card. 

At XXXX, XXXX XXXX XXXX XXXX XXXX$1100.00} of jewelry was purchased using my Juniper/Barclays Bank credit card. 

On XX/XX/2023, I called the XXXX financial institutions involved to inform them that the purchases were under duress. 

Barclays Bank reversed the charges and began an investigation. 
XX/XX/2023 : I faxed my notarized statement with the XXXX, XXXX XXXX report number XXXX, signed Barclays Statement of Fraud , and signed Barclays Affidavit of Fraud to the Barclays Fraud Department . 

XX/XX/2023 : I received a letter dated XX/XX/2023, saying that the charges were deemed valid and that I would be responsible for them. 

XX/XX/2023 : I called Barclays, and they confirmed my investigation was still ongoing, but they wanted me to pay the balance. 

XX/XX/2023 : A representative who identified themselves as XXXX, operator identification XXXX, called me and informed me after further review that I was responsible for the charges and that Barclays does not consider duress when reviewing fraud claims. 

XX/XX/2023 : I received a letter dated XX/XX/2023, from Barclays again informing me I was responsible for the charges. The letter was identical to the one I received on XX/XX/2023.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/year> XXXX charged me four separate {$25.00} dollar fees with no merrit or basis behind them. When attempting to dispute them with my bank, I was told they are unable to be disputed as they are tied to deposits I made. I then attempted to dispute the deposits as the four {$25.00} dollar fees had no merit or basis behind them. When attempting to contact support they purposely disconnected me every time to avoid the illegal practices theyre running. They charge meritless fees, tie them to deposits you made, then when you attempt to dispute the deposit they provide your ip address, email, name, and win the dispute, thus allowing them to collect any amount of money they want from you through these meritless fees. This has happened to thousands of people and I honestly am disgusted at this scam theyre running. I demand my money back and will stop at nothing until this company is held accountable for their unethical practices of stealing money from customers. As you can see in these screenshots, I had sufficient money in my bank account for the deposits, but they still charged me random fees. It is obvious there are managers cooking the books through these fees for extra bonuses.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist opened a credit card for my business. their was fraud on the card. I closed the card. I called several times to make a payment arrangement and they failed to do it. I was hit on my personal account for over XXXX. i advised them i need my money back and i will set up an arrangement moving forward but i need the funds back. They refuse to give my money back. My business account should not impact my personal account. I don't mind giving them something but XXXX will cause a problem pertaining my main bills. I have worked with them in the past and I know for a fact they work with white people that carry large balances more than the little people that are trying to make it. This is horrible business practice and i fee targeted.
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MI)

Someone or ones, illegally broke into house and access computer and change information around. I pay what I think is my bill for auto insurance but the policy numbers changed around and I'm paying someone else auto insurance and I with no accident or DUI 's ... my insurance is increased and made me pay more on my policy and said I was full covered, but only had PLPD/No fault at the time of purchase and renew. 
Then I got charge for someone else policy after the policy expired and the policy numbers change. 
Then my driver license list me as man and I'm not a man, so someone took my policy information, to get full coverage and then either got in accident and my policy went up, so they can get a new, used car or truck or get repairs.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (TX)

I am writing to file a formal complaint against SPRINGOAKCAP, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
SPRINGOAKCAP, with contact information at XXXX XXXX XXXX XXXX, VA XXXX, Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. 
In addition, I believe that SPRINGOAKCAP has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against SPRINGOAKCAP to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold SPRINGOAKCAP accountable for their unlawful conduct.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (TX)

Dear sir or Madam : I am a victim of identity theft. I learned that my personal information was used to open an account at your company. I did not open or authorize these accounts, and I therefore request that All accounts identified as identity theft in this report Ive supplied be removed immediately from my credit files
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Chime Financial Inc (IN)

File Identification Number : XXXX Provided by XXXX XXXX Relations On XXXX I did a credit check. It stated that I owe Chime Bank, a total of {$330.00} dollars. This is impossible. One I haven't had a account with them in years. Two there is no overdraft on the account I closed. Then when I tried to contact them about this, they won't give me any information, etc. Years ago I was hacked and suffered from identity theft this is the only possible way for this. I did not owe this bank for anything. Now I'm tryin to dispute this and nothing is going on
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I received an alert notice from XXXX XXXX XXXX, an XXXX  company. They had received a report from Equifax regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XX/XX/XXXX I  received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details XXXX attached ) show that my credit score dropped 60 point on the XX/XX/XXXX and recommended I contact XXXX. 

I have contacted all three credit bureaus and filed disputed with Equifax and XXXX. XXXX referred me to Equifax as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( XXXX 's is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (CO)

I had gotten contacted around XXXX about a debt I did not recognize and sent a debt validation letter that was never responded to. In XXXX I got contacted about the same debt from XXXX XXXX  out of XXXX XXXX XXXX CA. I did the same and never heard back. 

Over the past week, I've been receiving calls from Random numbers leaving a voicemail about a time-sensitive matter and stating they were from " MRS ''. I had to assume this meant MRS BPO. Rather than answer unknown numbers, I called up MRS at ( XXXX ) XXXX. They said they had some accounts under my number but didn't match my personal information to any of them. They then transferred me to some department where I was on hold until the call dropped. 

I tried to use the self-service portal at https : //portal.mrsbpo.com/verify-identity but none of the details match to show me anything. 

Today was the first day I answered a call and got a live agent. They said they worked for MRS and confirmed my personal details. They said it was in reference to what sounds like the same debt from years before. 

I asked them for an account/case number, which they hesitantly gave me. I then asked what address they had for me. The address was very old. I then said I no longer want calls and to handle everything by mail. I asked for their address to send a debt validation letter. I also offered to confirm my current address so they could send anything they want via mail. 

The agent then said " that's okay. My client will be pursuing this matter in civil court and hung up. '' I went back to the MRS portal to try the account number to see if that worked and not only did it not, but it appears to be the wrong alpha-numerical format. 

I tried contacting MRS again direct with the same result. At this point, I have no idea what to do. I want to send a debt validation letter, but I am not confident I'd have the information to include in it. 

I also contacted other debt collection companies with MRS like MRS Associates who say they don't leave voicemails and refused to do any kind of lookup. 

At this point, all I have is some random account numbers and people calling claiming I owe some debt from way over 10 years ago but won't give me the information I need to validate the debt or even ensure they can get me anything by mail. I can't even trust these people calling are from MRS or what to do since their information on me seems to be out of sync and MRS seems unable to connect me with anyone. 

Based off experience, even if I do confirm these details and send the debt validation letter ( which I am confident will receive no reply based off the fact I don't recognize this debt and it's been a pattern ) I also think it's highly likely MRS wilXXXX sell whatever sparse information they have to another collector and I'll get more random voicemails and threats.
Consumer complaint received 2020-07-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Every year in XXXX or XXXX, my mortgage company, Mr. Cooper " reevaluates '' the amount of money that should be in the escrow account in order to cover the taxes and insurance. This has happened each year we have been affiliated with Mr. Cooper ( around 4 years ).  Unfortunately, each year they add in 2 months of " cushion '', which, in turn raises the mortgage payment by almost 10 % over the last year. Each time I have been able to call and state, that I do not want a cushion in my Escrow account and they have adjusted it accordingly, after much argument on their end, they eventually do it. 

When this came around this year, I waited until I had time to call ( because it is always a 30+ minute endeavor ), which was today, XX/XX/2020. When I spoke to the first person, she was a Loan Agent and  wanted to sell me on a refinance, which I don't need right now. Once I explained why I was calling and needed the Escrow account reduced from their " evaluation '', she said she would have to transfer me. Once was speaking to an Escrow agent, she informed me that she had no power to change the 2 month cushion in the escrow account. XXXX ( her name ), said that Mr. Cooper had just change their policy and that all customers now needed to keep that 2 month cushion in their accounts. I asked to speak to a supervisor immediately, since that is not acceptable for Mr. Cooper to keep my extra, not needed, money for a year and then " give '' it back to me next year. 

When I spoke to the Escrow supervisor, she checked if she could do anything and she said she was bound by the same policy ( of not changing anyone 's Escrow account cushion of 2 months ). 

We NEVER chose this mortgage company. Our VA loan was sold once we refinanced a few years ago. I have never liked that I have to call them to fight for my own money. I feel like those people who don't understand Escrow, may just continue to pay what their asked & not question, or even know to question that they are keeping extra money. 

Can you please help me in unmasking this unfair practice? 

Best regards, XXXX XXXX