davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Strategic Alliances, Inc. (SC)

First Financial Asset management added debt to my credit report without any acknowledgement in the amount of {$300.00}. Also XXXX XXXX XXXX has sold the original debt to first financial asset management. Violation of the Hipaa laws and privacy act.
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

RE : Mortgage # XXXX by HSBC MORTGAGE CORPORATION ( USA ) For purchase of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX I XXXX XXXX, was granted a Mortgage # XXXX by HSBC MORTGAGE CORPORATION ( USA ) in XXXX XXXX for a principal amount of {$140000.00} at 5.125 % 30yr term, for the purchase of a duplex at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX. The first payment due on XX/XX/2003. 
The first communication in writing from HSBC after the mortgage was granted, is a letter in response to my enquiry about using Electronic Funds Transfer program to repay Mortgage # XXXX. XXXX XXXX, HSBC Mortgage Cashiering Specialist letter would indicate that for payment purpose the Mortgage account number as XXXX. We did not worry about it as we recognized, the number as a diminutive of the real loan number ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) { the missing numbers being shown in bracket } UNTIL NOW. 
We received a letter dated XXXX XXXX advising us that HSBC has XXXX XXXX XXXX  XXXX ( " XXXX XXXX XXXX '' ) and that the current account # XXXX is changed to the New Account # XXXX. No reference was made the current account number is the number for accounting purposes that represent the Mortgage Loan # XXXX date XXXX XXXX. 
On XXXX XXXX an HSBC Loan # XXXX was approved for a principal $ XXXX 3.5 % 15yr term, from which {$110000.00} was used to pay off Principal balance on Loan # XXXX with " XXXX XXXX XXXX  '' the Original Mortgage # XXXX not being mentioned again. 
As the response we have received Form HSBC Mortgage company and XXXX XXXX  XXXX XXXX have been in slightly different terms " Since the loan have been paid-off, we do not have access to the files anymore ''. We respectfully request that Mortgage # XXXX be taken off the books OR marked as being Paid in full. 
Uploaded copy of HSBC XX/XX/2003 letter with " Subject : Mortgage Account Number XXXX and the Monthly Mortgage Statement clearly outlines all the condition in the Mortgage loan # XXXX. We submit that both account numbers are referring to the same loan. It follows that all the other subsequent loan numbers link back to Mortgage loan # XXXX. 
As such, the XX/XX/2003 Mortgage loan # XXXX has been paid in full in XXXX XXXX and should be recorded accordingly. 
Sincerely,
Consumer complaint received 2021-05-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I have a current mortgage with Lakeview Loan Servicing , LLC. We bought our house on XX/XX/XXXX, so our first escrow analysis was due in XX/XX/XXXX. We received our analysis that said had an overage of {$460.00} and that it would be mailed separately. Our account " shows '' that a check was issued on XX/XX/XXXX. I called the company on XX/XX/XXXX to inquire about my missing check. I was told there was nothing they could do for me until the check had been missing for 30 days. She wouldn't even document that it was missing because it was two days early and I would just have to call back. 
I called back on XX/XX/XXXX because I still had not received my check. The representative I talked to assured me that she would expedite my claim and check would be in the mail no later than Friday, XX/XX/XXXX. I once again called on XX/XX/XXXX because I STILL have not received my money that they are withholding from me. This time I was told that the check had been issued XX/XX/XXXX and I should have it soon. I received an e-mail the same day that said my escrow refund was now in process! I'm still not even sure a check has been issued. This is well out of the 30 days that is allowed to issue a customer their overage on their escrow account. 
I have tried to be fair with Lakeview Loan Servicing , LLC. However, they have grossly mishandled this situation. I asked the last representative that I talked to if there was a way to wire or overnight my money since we are going on 60 days without it. He said that was not possible. I did ask him to note in my account that if I had not received my overage by Friday, XX/XX/XXXX then I would be filing a complaint with the CFPB. I have never been late on a payment in my life and they can't seem to refund my money according to the government guidelines. I will be interested to see how long it takes for me to actually get my money that they are withholding.
Consumer complaint received 2022-12-29
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate erroneous and Unverified inquiries in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX 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 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 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 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 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 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion and XXXXXXXX XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is XXXX of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the XXXX bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint regarding the non-compliance of Experian, XXXX, and XXXX with federal opt-out and privacy notice requirements under 12 CFR 1016 ( Regulation P ) and 15 U.S.C. 6802. These agencies have failed to provide me with the necessary privacy notices and reasonable opt-out methods, and as a result, my nonpublic personal information has been improperly shared with third parties without my consent. 

Specifically : -I did not receive clear, conspicuous privacy notices that outlined how my personal information would be shared with non-affiliated third parties. 
-No reasonable means to opt-out of such data sharing was provided, either through an online form, phone number, or any other method. 
-I discovered that my personal information was disclosed to third-party companies, as evidenced by unsolicited offers and inquiries on my credit report, without my explicit consent.
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

A third party company called XXXX XXXX XXXX has posted a derogatory on my credit report and public record for a company called XXXX XXXX XXXX. It say that it was made in XXXX of XXXX but information of where and when is not accurate or related to my involvement. LVNV Funding says they are part of a collection company from XXXX XXXX XXXXXXXX XXXX XXXX XXXX for a credit card I do not own. XXXX is also for something from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX says it was opened in XX/XX/XXXX A company called XXXX XXXX says they are collecting a debt for a XXXX XXXX XXXX. This account was closed and told not to be renewed. But the companies customer service for XXXX  aggressively did not want me to stop having coverage. I wanted my service ended. I was in a lXXXX XXXX XXXX XXXX. And no longer wanted anything to do with this harsh company. My service and demand to stop service was in XX/XX/XXXX. Instead the XXXX company still charged me for another month not listening to the cancelations made from XX/XX/XXXX thru XX/XX/XXXX.
Consumer complaint received 2021-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VANDYK MORTGAGE CORPORATION (MI)

XX/XX/2021 : After recieving a tax bill from the City of XXXX and confirming with the city that my property taxes have not been paid, I email XXXX XXXX at XXXX XXXX asking about it. 
XX/XX/2021 : XXXX XXXX at XXXX XXXX says she is working on it. Escrow analysis shows that I have a {$900.00} surplus. 
XX/XX/2021 : XXXX XXXX XXXX to ask for status update on escrow account. 
XX/XX/2021 : XXXX XXXX XXXX because taxes are still unpaid and escrow analysis has not been updated. 
XX/XX/2021 : Recieved this email from XXXX 's secondary XXXX explaining the issue. " First and foremost, this is being taken care of today. It will take us a day or two to get all the dust to settle, but the taxes are being paid ( again XXXX. The background - when we closed, the tax bills were not issued yet. Because of that, we set aside funds that were an estimate ( {$1200.00} XXXX which remained at title to disburse when the tax bill came out. Unfortunately, the amount we actually were taxed for and what we set aside at closing to pay the upcoming bill ended up being different, which led to a shortage. The second issue is that when we attempted to pay the taxes again in XXXX XXXX we use a third party ), that amount came back higher than what was actually billed by the city. Those funds were returned from the city and we have payment going out today on it at the correct amount.Any penalties incurred will not be charged to the borrower in any way, those we will cover. We also are going to be running a new escrow analysis for this borrower, that does take at least 48 hours to run and become effective. With those two in hand, this should be resolved moving forward. Let me know if you have any further questions and apologies for the delayed response times. '' XX/XX/2021 : XXXX XXXX emails me to say that my new escrow analysis should be in the mail fairly soon. 
XX/XX/2021 : XXXX XXXX XXXX to let him know that I have not recieved a new analysis. No new analysis on " other documents '' page where other ones are located. 
XX/XX/2021 : XXXX XXXX emails that he is checking on it and will get back with me. 
XX/XX/2021 : Still have not recieved new analysis and XXXX XXXX has not provided an update. I have also not recieved the {$900.00} surplus.
Consumer complaint received 2020-05-06
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. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo Bank for closing my checking and savings account without prior notice. 

On XX/XX/2018, I discovered that my checking and savings account had been closed by Wells Fargo Bank due to an alleged overdraft. I was extremely surprised, as I have always been careful in monitoring my balance and had no knowledge of overdrawing my account i was informed by email that there had been an error in the application of a charge to my account, which had resulted in an overdraft. 

This action by Wells Fargo Bank has been especially difficult for me because I was laid off from my job at that time and was struggling financially. I relied on this account for my daily financial transactions and am now in a very difficult situation. Additionally, I feel very frustrated by the lack of communication and the bank 's lack of interest in resolving this issue. 

As a result of my account being closed, I have been sent to collections and have been charged additional fees which I consider unfair. I would like this situation to be reviewed and for me to be reimbursed for any improper charges and the damages to my credit history. 

I hope that this complaint will be taken into consideration and the necessary steps will be taken to resolve this issue and prevent it from happening again in the future. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-21
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY (NV)

I have fraud on my target credit card. I contacted target immediately when I noticed the fraud charges, I was told nothing they can do I need to call back during business hours when the fraud team is open! Excuse me???? Why do I have to call back because the team isnt 24 hours???? First off all the amount of charges and the high dollar amount you allowed on a fairly new account is unacceptable. Target should have immediately stopped these charges and contacted me but instead let them go through! THEN when I Called the fraud department they said I have to fill out a form before they take a fraud claim. Excuse me??? Im not filling anything out!!!! Take these charges off my account now!!!
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (VA)

My adult daughter was living with us for a few months, she put in a change of address with USPS when she moved. Somehow the USPS tagged my AMEX credit card bill with the yellow sticker for change of address and sent my bill to my daughter. Luckily, my daughter is responsible so she got the bill to me ASAP which avoided a late payment. Then the next correspondence that I received from AMEX had my daughter 's address on it, no sticker, as if AMEX had changed my address. I log into my AMEX online account and sure enough my address had been updated. I have been chatting with AMEX today but the customer service reps seem very nonchalant about the issue. One rep even denied that AMEX had changed my address. This is a very PII/security serious that must be taken seriously. What if I didn't have a relationship with my daughter? What if bills just piled up at my daughter 's place and I had no idea. What if a person with ill intention went to USPS and changed my address. These companies should be verifying with people that these address changes are authorized before any updates.
Consumer complaint received 2022-04-25
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To whom it may concern, The reason that I am writing this letter is that the BOA denied my dispute. I bought a ticket on XX/XX/22. After almost 10 days, I tried to call the agency, however, there was not any customer service even mentioned on the website that 24 hrs. I also sent several emails, but I received only auto reply email. I called my Bank to ask dispute. After almost 2 months without any notices, BOA recharged me for this ticket. I called BOA 3 times to let them know that there was not any customer service for that agency, but the rep told my I have to call agency and if I disagree for the result of dispute, called court to follow the case!!! I asked for appeal and Rep told me that there is not any this facility. I sent several emails but all responses are auto reply and I also tried several times to call customer service, but unable to connect it. On website, this agency has full information, however they do not have any customer support. On the other hand, my XXXX returned and I have some treatment and my doctor recommended me not to travel till I am better. I am unable to connect to customer service, because there is not have any human there. In this case, how can I talk to them even the websites are perfect. I am really disappointed. Please help me. 
Regards, XXXX
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (CA)

I feel like im being taken advantage of and being ignored of my disputes. I am not receiving adequate valid verification. I have not received any documentation to corroborate the claim for this negative listing on my Early Warning 's report. I am asking to be provided with any and all documents bearing my signature that legally binds and contractual obligation for this account. Absent of these documents you are illegally reporting this negative listing and will be liable to me for the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.