davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LJ Ross Associates (TX)

LJ ROSS ASSOC is in violation of multiple laws set forth by Congress in regards to the following account # XXXX reporting to XXXX . 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( LJ ROSS ASSOC ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My name appears incorrectly on my credit report. I also suspect my credit report has created a split file due to the name issue, with me having at least two different credit files under two different names. This is also creating issues for me creating an account online to view my report or dispute my personal information, because the information that I am looking for is not available under my actual name, and any attempts to make an account online redirect me to the existing account for my social security number that is under my incorrect name.
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (GA)

I am writing to lodge a formal complaint against XXXX XXXX for significant mishandling of my account, resulting in unauthorized debt collection actions and detrimental impacts on my credit score. This complaint is supported by a series of documented communications and events that underline the negligence and improper conduct exhibited by XXXX XXXX. 

Initial Account Opening Attempt : On XX/XX/2023, I endeavored to open an account with XXXX XXXX, assisted by a company representative via chat. Despite following all directed procedures, the account activation was unsuccessful. The initial engagement and subsequent failure to activate the account are detailed in the attached Account Opening Attempt Email ( Attachment 1 ) dated XX/XX/2023, at XXXX XXXX and Account Activation Request Email dated XX/XX/2023, at XXXX XXXX respectively. 

Failed Activation and Closure : Efforts by the XXXX representative to activate the account were futile, leading me to request the cessation of the account opening process. This request and the acknowledgment of the account closure are chronicled in the Account Closing Email ( Attachment 3 ) dated XX/XX/2023, at XXXX XXXX. 

Erroneous Unpaid Balance Notification : Over a month post the closure confirmation, I received an Unpaid Balance Email ( Attachment 4 ) dated XX/XX/2023, erroneously claiming an outstanding balance of {$170.00}. Subsequent communication with XXXX XXXX customer service acknowledged this error, attributing it to internal miscommunication. 

Unwarranted Debt Collection : Despite assurances from XXXX, I received a debt collection letter from XXXX XXXX, followed by a change in the debt collection agency to Diversified Adjustment Service, Inc ( DASI ), without any justified basis. These actions are documented in Attachments 5 and 7, respectively. 

The continued mishandling of my account and the unwarranted debt collection attempts have unfairly impacted my credit score, thereby potentially inflating my future financial liabilities, notably affecting my current plans for a house purchase. The lack of accountability and rectification from XXXX XXXX compels me to seek intervention from the CFPB to address these grievances and to hold XXXX accountable for the resultant financial and personal stress. 
Attachments For Reference : 1. Account Opening Attempt Email - Dated XX/XX/2023 2. Account Activation Request Email - Dated XX/XX/2023 3. Account Closing Email - Dated XX/XX/2023 4. Unpaid Balance Email - Dated XX/XX/2023 5. Debt Collection Letter from XXXX XXXX - Dated XX/XX/2023 6. Previous Complaint with CFPB - Submitted on XX/XX/2023 7. DASI Debt Collection Email
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torriere Holdings INC (AZ)

I have been falsely accused of paying over {$5000.00} at a XXXX XXXX in New York on the date XX/XX/XXXX Someone bought tires under my name and it is fraud. It has been reported to the XXXX police and I have sent a police report to the people I am trying to dispute this claim to. I have never been to New York, nor are there any records of me ever going to New York to complete this purchase.
Consumer complaint received 2024-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (MD)

Processed the assumption of an FHA mortgage held by Freedom Mortgage from XX/XX/2024, until settlement on XX/XX/2024. Tried setting up online account after XX/XX/XXXX meeting but received error online. Called Freedom Mortgage customer service and was told that since the FHA loan being assumed already exists, and the Seller had already created an account associated with that loan number, I could not create an account until after the assumption is complete. Tried to set up account again on XX/XX/2024, the day after settlement, and received same error. Called Freedom Mortgage customer service again and was informed that due to their system limitations when a loan is assumed, I will not be able to create an online account to view/ manage the loan or make payments online and that I will have to get the previous owner 's login information if I want to have online access to the account ( which they will not share ). Furthermore, they said they can not change the email address on the account and any password recovery would be sent to the previous homeowners email. This means the previous owner not only will maintain access to view all our private information and activity on our mortgage but can also make modifications if they wish and we will not be given visibility to our mortgage details and payments! After this I did a quick search online and find out from numerous forums and sources that this is a known issue that has not been resolved despite YEARS of complaints to Freedom Mortgage and CFPB! Please, I'm begging you to take action against Freedom or force them to transfer loan assumption accounts, after settlement and maintaining terms, to another lender who will let us create a secure account of our own!!
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My credit score went down and when I checked into why it was due to no payments being reported. Im not sure what is going on the payment history had previously been reported. I have 2 other cards with Bank of America and they are showing the payment history. I contacted B of A and spoke to a person in customer service ( several weeks ago ) I also filed a dispute with XXXX. Today XXXX  sent me an email that said they resolved the dispute. It was not resolved. The payment history is still missing.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOUTHSTATE CORPORATION (SC)

My debit card and credit card was stolen, I disputed all the charges but South State Bank claims to not be able to credit me for {$480.00} because they have supporting evidence as to why I cant be credited claiming it to not have been a mistake. When I called a few days after I had disputed the charges to get an update, the man on the phone told me that the investigation was closed and he would have an amount credited to me soon but didnt tell me the amount, when I went in he told me they were still investigating and I could only be credited {$470.00} and {$810.00} but not the {$480.00}. I requested the evidence as to why I wasnt receiving all my money and he told me it would be mailed to me and I could call the number listed on the paper for some answers. In the mail I received the same paper that I received from the bank that just had the list of charges that they wont credit me for and when I called the number listed on the papers I received, they said they could not help me or give me any information. Ive been calling and speaking to different people from the bank for over a week and most recently I was told that I would have to physically go into each place that the charges came from and dispute them there which I have no idea where to even go being that it was not me who made the payments I have spoken to several individuals w in my bank and customer service and have also gone into the bank twice and no one has any evidence nor any information on why the money isnt credited back to me or what I could do or who I could speak with in order to get the rest of my money back.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (MD)

The boxes I checked above are as close as I can get to my complaint, but they are not accurate and I couldnt leave them blank. I was scammed by XXXX XXXX  who spend their time ripping American people out of their money. They took over my computer, transferred money from my credit card to my checking account then transferred some back to my credit card, they changed my password so I couldnt get into my account to see what was going on. They told me I had to purchase gift cards to pay back {$4000.00} that they said I took from their account. I panicked and did what they told me. Not at any time while they were moving and changing my account did I get a message from Wells Fargo for security codes like I do with all my other accounts I have. Finally XXXX hours later someone from Wells Fargo called my husbands phone and told him we were being scammed. It was too late by then. I know I should not have listened to them but they were so convincing that I had taken their money. I wrote to your offices and talked to XXXX different people but got no results. I closed all my accounts with WellsFargo and am so thankful I did. I opened checking and credit cards with XXXX other large banks and their security is tight and checks me all the time. I also know that you have insurance to back customers when they are scammed out of money, but your bank did nothing to help me. I wanted to let you know after the fact. I have never gotten over this {$3300.00} loss to my account and knowing how I allowed those people to hurt me and my husband. I continue to get scamming emails daily from these ruthless people, but now I have enough sense to erase all emails and texts from them. I only hope that your present customers are protected by you more securely than I was. When I hear negative things about Wells Fargo I chuckle and am thankful to not be doing business with you. You can check my dealings with you if youre interested. Im sure my info is still in your system. I was a customer for many years. I even had a large mortgage with you. Thanks for listening!!
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

My husband and me went in lobby to withdraw {$11000.00} XX/XX/2023 at XXXX XXXX. The teller only gave me {$10000.00}. We didn't realize until we arrived home and opened folder. I immediately called bank since I live 30 minutes away, I was told my teller had gone home for day so they would call me next morning. I waited the next morning and got no call so headed to bank. I spoke with XXXX XXXX the branch leader. We counted the money together and both verified it was short {$1000.00}. He said he would start an investigation. I brought to his attention that the teller was not very focused on my transaction and was instead complaining of coworkers to drive through tellers. I mentioned my teller asked drive through teller to borrow the {$800.00} for my transaction to help the investigation. Days passed and I got no news so I went to bank again, and XXXX said his superiors would be in the next day to watch cameras. I got a call the next day XXXX said no error was detected. I asked to be allowed to watch cameras he said I would need to hire an attorney. I know that cameras should clearly show the bundle of {$10000.00} she grabbed and obviously where she borrowed the {$800.00} from drive through teller so where is the {$1000.00}? I sold my vehicle to pay off debt and that is how I had that money ; I don't have money to hire attorney and find it very unfair that bank handles business this way. I know I was short serviced and camera viewing would show it. If banks wasn't t hiding nothing, why act this way.
Consumer complaint received 2020-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (AL)

In XX/XX/2020 I spoke with the customer service representative and stated that I was having trouble making payments due to being furloughed because of COVID-19. He stated that I could make a payment as soon as I could.I made the payment. I was experiencing more furloughs and could not make the payment. I contacted the store to set up arrangements. She stated that the system was down and she could not access my file. She said she would contact me when the system was working again. I never received a call. I then received notification that there had been changes to my credit report. The company reported me 30 days late. Now they added another 30 days late. My payment record was perfect until the pandemic. I could not understand why they would report to the credit bureau 60 days late during this time. Now my credit score has dropped significantly. They are now calling my job and my phone constantly. When I answer the phone they won't say anything. This is in violation of the Fair Credit Practices.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aqua Finance, Inc. (KY)

I filed an original complaint with CFPB and since Aqua Finance called and I didnt get back to them within a day or two CFPB closed this complaint out. I called Aqua Finance and explained the identify theft situation, that my ex boyfriend that I havent lived with since around XXXXXXXX XXXX 2021 used my social security number to put an account in his name with him. I did not agree or let him do this. I have tried to speak with Aqua Finance numerous times and they just do not want to remove it saying its accurate when its not. I lived in a whole different city when this was even opened. I lived with an old friend in XXXX, Kentucky when this was opened. I have tried to figure out how to file identity theft with police department but it got no where because I was bounced around from which county it actually needs to be filed with and the police departments kept bouncing me around not wanting to be of any help.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I received a XXXX payment for {$2000.00}. On XX/XX/XXXX, a claim was open marking the XXXX  transaction as fraudulent. Chase froze my entire checking account with $ XXXX I am unable to access any of the funds, not provided with a release date, and no options given to pay for my credit cards. The payments out of that account are rejected No solution offered to solve the claim, no details about the claim shared, Chase claims they are unable to release the amount above the claim.
Consumer complaint received 2024-03-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

I have a shortage in my escrow which is calculated at {$220.00} per month. Without explanation, Mr. CooperXXXX is charging me {$470.00} a month extra. This is more than 15 % higher than my mortgage. When I attempt to speak with people I am put on hold indefinitely and can not get anywhere.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KY)

On XX/XX/year> at approximately XXXX I went to make a deposit to the atm of us bank at XXXX XXXX XXXX XXXX Ky XXXX. I logged into my account and proceeded to put my large bills in first since the machine states it only accepts 50 bills. The machine totaled my bills to {$1500.00} the. Asked if I had more bills up to 20. I placed the remainder of my bills in the atm. It cont to process until it timed out and the machine reset to the home page. No recipt was given and I immediately checked my account and the funds were not deposited. I immediately got on the phone and called the customer service line the lady told me I would have to wait 24 hrs to see if the deposit adjusted at midnight when the machine was serviced. I waited until XXXX XXXX  when the branch opened and filed a complaint with the branch manager XXXX XXXX who told me they dont count the machine until wed or thur bases on staffing she did file a complaint and gave me a copy with her info and told me to follow up with the customer service number in the morning to cont with complaint if the funds didnt show after midnight. 
On XX/XX/year> I called and was told that I would have to wait 10-45 days for them to complete an investigation into the claim. 
I believe that they are committing a fraud against me to be holding my funds and not attempting to complete an audit of the machine in a timely manner to resolve the issue. I used a service that they offer and am being punished for their incompetence. I need my money to pay my bills and they are not taking my claim seriously.
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

Aidadvantage website never works you can sign in attempt and then goes error please come back later. Whether its during day XXXX.. middle of day. Night. Day of weekend. How do they expect me to set up my payment each month before its due. They also got rid of their app and website is always down. Very inconsistent and stressful having to try different times day a week prior til due to make a payment or view anything in my account!!
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (IL)

On XX/XX/XXXX I received a declaration for my new Homeowners Insurance Policy through XXXX XXXX. Using information found online, XXXX XXXX sent the declaration to Freedom Mortgage. Freedom Mortgage said this was the wrong location for the Mortgagee Clause. 

The address that XXXX XXXX sent the Mortgagee Clause/Declaration too was indeed a Freedom Mortgage office. However Freedom Mortgage did not get the document routed to the correct resources. Address Details below : MORTGAGEE FREEDOM MORTGAGE CORPORATION XXXX XXXX XXXX XXXX XXXX, TX XXXX Freedom Mortgage made several attempts to get in contact w me as I did not have insurance on my house. We made contact on XX/XX/XXXX. At that time I sent the declaration directly to Freedom Mortgage. Freedom Mortgage mailed payment to XXXX XXXX on XX/XX/XXXX. Payment was not received on time as it needed to be received by XX/XX/XXXX to maintain coverage. 

XXXX XXXX received the payment on XX/XX/XXXX. At this time they cashed the check and refunded the money back to Freedom Mortgage, at the address listed above. 

Freedom Mortgage cashed the check in XX/XX/XXXX. They are currently working to pull reports that will confirm if the money was put back into my escrow account. 

Despite Freedom Mortgage getting a refund on their payment for Homeowner Insurance, and despite knowing that my house was uninsured, Freedom Mortgage had my house and account listed as insured. They did not realize that my house had been uninsured from XX/XX/XXXX, until XX/XX/XXXX. They made no further efforts to reach out to me regarding the situation. 

I saw that the appropriate amount was coming out of Escrow every month, and as XXXX XXXX had not reached out with any additional information, neither myself or Freedom Mortgage knew that I was uninsured. 

I view this as extreme negligence. I need to confirm that the financials get sorted appropriately. And I have concerns about this lender being in possession of my house and escrow account. In my recent phone calls with them I have received conflicting information and neither Freedom nor XXXX XXXX is consistent in their ability to provide clarity or resolution to the situation
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (CT)

I have paid my loan on time and have the screenshots to prove, however they report I was late to the credit agencies differently. I have tried disputing it and they report 90 and 60 day late payments but that is false. I have autopay and pay on time. Everyone of my credit cards and lines is paid as agreed and this one is dragging me down.