davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Dear Customer Representative, I am filing a complaint do to increase in mortgage payment of {$96.00} payment due date XX/XX/year>. I received statement in mail and called Lakeview Loan Services today XX/XX/year> spoke to XXXX XXXX XXXX XXXX ) XXXX for explanation of increase she stated we had a shortage in Escrow account of XXXX + XXXX minimum required balance total of shortage = {$710.00}, would be divided in 12 monthly payments XXXX I am in disagreement with their Escrow analysis they have prior year insurance in XXXX XXXX. We had XXXX  XXXX XXXX XXXX XXXX they did not renew our insurance, I was not aware of this because I never received any documents about non-renewal. I became aware of this when Lakeview Mortgage notified me and I obtained a new Real Estate Broker and got a new policy for {$1500.00}. less deposit we paid {$240.00} we owe for the year {$1200.00} 12 months = {$100.00} per month insurance prior year insurance was {$1000.00}. 12 months = {$91.00}. 
I was expecting a small increase in are mortgage of {$16.00} ( new insurance XXXX prior amount XXXX = increase of XXXX ). I tried to explain my concerns to Lakeview Mortgage she kept saying to look at Escrow Statement which I did not have, she emailed a copy. I do not understand how they are arriving at a shortage when they do not have the accurate amount of insurance we are paying plus they still have prior insurance on Escrow analysis. Will you please review the documents I am submitting because we are on a very low fixed income and can not afford the new payment of {$1000.00}.

Also, I do not know how they arrive at there escrow computation for taxes and insurance because when I add up the 2 and divide by 12 months the amount is a lot higher than what it should be. Example : Insurance total year {$1500.00} plus Property taxes {$1500.00} = XXXX. 12 months is {$260.00} there Annual Escrow amount states {$330.00} and on monthly statement includes prorated shortage of {$59.00} total of {$390.00}. I apologize for the inconvenience I have caused you but I do not have any knowledge about Escrow Impound accounts and if you will please advise me if we are being overcharged. 
I am enclosing a copy of new insurance policy plus receipt of payment we made, copy of Escrow Statement that was emailed to me, copy of monthly statement from Lakeview and a copy of prior insurance. Please let me know if you need any additional documents. 
Thank you, XXXX XXXX
Consumer complaint received 2023-04-19
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. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (OR)

On XX/XX/2022 I noticed two small deposits on my bank account from XXXX XXXX. 

One was for {$0.00} and was for {$0.00}. 
I immediately on XX/XX/2022 ( and I mean within minutes ) called and reported this as fraud to my bank. They then froze my account and I Transferred all my money to a new account. 
I then called XXXX customer service on XX/XX/2022 to report this and left a voicemail with their loss prevention department. 

XX/XX/2022 I received 3 debt collections notices in the mail from TRS Recovery Services. 
XX/XX/2022 {$68.00} and {$110.00} ( these both include {$30.00} interest fees ) Dated XX/XX/2022 there was a charge for {$100.00} ( again with {$30.00} interest ) I filed a forgery report on their site, and then called customer service. I was told it takes 30 days to review and that they do not report to credit bureaus. I have looked online and it says they DO report to credit bureaus so I have been lied to by them. I see they have also faced major litigation in the past for breaking federal debt collection laws. 

XX/XX/2022 I emailed XXXX customer service to inform them of the fraud and security breach in their system. They said they would forward the info along. 

XX/XX/2022 I received 5 more debt collection requests in the mail. 
I called customer service at XXXX and was transferred to 7 different individuals, I finally was told someone had opened a credit account in my maiden name with my bank account number ( that account has been closed since the first deposits ) and those transactions all bounced but the fraudster was still able to receive goods. 

My account mind you had not showed any pending transactions at all, and all of them must have bounced hence the debt collection attempts. 
On this same day I have also emailed with multiple individuals, called back and spoke to 2 more people, and left a voicemail with loss prevention again. 
They told me that my card was " disabled '' but were not able to cancel it due to the fact I did not have the card number or the phone/email associated with the account. I do not know that information because I did not create the account and do not have the card in my possession since I am being impersonated. 

These notices from XX/XX/2022 are highlighting charges as follows, all of these totals include the {$30.00} interest fees : XX/XX/2022 {$78.00} XX/XX/2022 {$110.00} XX/XX/2022 {$64.00} XX/XX/2022 {$100.00} XX/XX/2022 {$100.00} I asked for a record of the transactions that are being claimed against me from XXXX and they told me that loss prevention might be able to provide it. They have not responded. 

I have filed a complaint with the XXXX  as of XX/XX/2022 as well.
Consumer complaint received 2022-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IN)

Since receiving the feedback from my last complaint ( XXXX ) the mortgage company has called every week to discuss my default. And it wasn't until about XX/XX/XXXX when a representative told me that I was currently in foreclosure proceedings. Which is against federal regulations because I am in an active loss mitigation program. According to the last complaint the previous forbearance has yet to expire, and in XXXX I applied and was approved for a continuation of that forbearance until XX/XX/2023. On XX/XX/XXXX the mortgage company took it upon themselves to run me through a partical claim program, WITHOUT my consent. I again spoke to a representative on XX/XX/XXXX who had to " force '' place the forbearance, expiring XXXX 

Today is XX/XX/XXXX and I am currently on the phone yet again with yet another representative who Is now stating I'm no longer in the forbearance and the account status must " match ''. Every week since XX/XX/XXXX I've received communication that I'm not in forbearance.
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I was involved in a scam where I lost over {$8000.00} to a fake landlord. I had wired over {$4000.00} to the fake account unknowing that it was a scam. I moved across the country and found out that the apartment I was supposed to move into was completely fraud and had someone else living in it and wasnt actually for rent at all. I asked Truist to do a wire recall on XX/XX/15 which they attempted but couldnt get any money back. They closed my bank account for investigation and then sent me a letter five days later saying that they would not give me any money back because the transfers were authorized and therefore it wasnt fraud. I tried to explain that I had no idea that this was a fraudulent company but they would not budge in their decision. Ive received no money back for something that wasnt my fault.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I called Transunion on XXXX to retrieve a copy of my Transunion report and they advised me that they could not send a copy of my credit report until I sent in a copy of a utility bill on file with my photo id. I am attaching the letter I sent Transunion along with my driver 's license and utility bill with a request to update my address and remove all other others listed.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We had a fraud happen on our account, that has since been resolved. The bank had to put a temporary freeze on the account until they were thru with their investigation. It has been since, XX/XX/2022 that I received a letter stating that they were PLEASED TO LET ME KNOW THAT MY CLAIMED HAS BEEN HONORED AND WOULD BE DEPOSITING {$3400.00} back into my account. 
Well, it is there but, it is frozen and I can not get to it. 

The bank manager says I must not contact the CUSTOMER SERVICE, FRAUD DEPARTMENT. I HAVE TRIED THIS DEPARTMENT IN THE PAST, and have put on hold until either my battery runs out, or after a long period ( like 20, to 60 minutes ) it automatically disconnects. This is absolutely XXXXXXXX XXXX XXXX XXXX XXXX!,! PLEASE HELP
Consumer complaint received 2022-09-23
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. (TN)

Account is reported on my credit reports and is not mine asked for validation of debt and there has been nothing provided other then copies of statements which doesnt validate this debt as mine XXXX XXXX XXXX showing on reports as account number XXXX I included copy of report
Consumer complaint received 2022-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Collection Service (PA)

I sent a dispute letter on XX/XX/2022 to United Revenue Collection Service, I asked for proof of practice and proof of any legal obligation to pay them, Ive asked them to provided a copy of my signature with the provider of service to release my information to them. Ive asked them to please provide me with a verified certificate of authority, and proof that their company is licensed to collect debt in my state, also, Ive ask them to provide me with a license number. XXXX XXXX sent a response to me and only provided me with description of charges, amount, patient number, date of call, reason of transport, and nothing else of what I asked for. More over, I have never lived at the address they have on file. I receive numerous calls from this agency in a day to day basis. I would like this off my credit if this company can not provide me with the information I asked for. Im hoping to receiving the documentation I asked for by the owners XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX from United Revenue Collection Service.
Consumer complaint received 2023-01-27
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. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-09-23
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. (VA)

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by reporting the following inaccuracies that are Un-Verified without my consent. 
XXXX XXXX 30 days past due XXXX XXXX 30 days past due XXXX XXXX  60 days past due XXXX XXXX 30 past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 30 days past due I demand that this account be updated to paid as agreed and never late. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (SC)

I have repeatedly tried to unlock my Experian Report from the fraud alert that was placed on my credit profiles without my prior written consent to do so and it is currently hindering me from being able to qualify for the purchase of my home. This is causing great stress and frustration to myself and y family. I have called multiple times and mailed several letters but the problem still exists.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (WV)

Lowes consumer credit card inquiry on my report.they have no record of the application but it shows on my XXXX XXXX XXXX I call the customer service twice and found nothing
Consumer complaint received 2022-09-23
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 — Investigation took more than 30 days
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am writing a follow up letter for the accountsXXXX. 
XXXX and on XX/XX/2022 I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( ARS ACCOUNT RESOLUTI, INPHYNET CONTRACTING SRV LLC-Original creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! 
Since you have failed to respond, I assume that you have been unable to validate the debt, so I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX XXXX XXXX
Consumer complaint received 2022-10-03
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. (GA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} 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 2024-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

Dear Truist Bank Customer Service Team, I write to express my profound distress and dissatisfaction with the resolution of my recent fraud claim. I have been a customer of Truist Bank, and on XX/XX/XXXX, I discovered a transaction withdrawing {$1200.00} from my account unauthorizedly. The transaction, associated with XXXX XXXX and conducted via XXXX XXXX in Florida, was neither initiated nor sanctioned by me, as my personal travel and transaction history can corroborate. 

Promptly after detecting the aberrant activity, I reported the situation to your customer service and complied entirely with the investigative procedures outlined by your fraud department. Unfortunately, despite proactively securing my account as prescribeddeactivating my card and resetting my credentialsmy initial claim was rejected based on a supposed 'history ' with XXXX XXXX, which should not negate the validity of a fraud claim. 

Unwilling to accept what I believed to be a precipitous judgment, I pursued further clarification by visiting a local branch. The branch representative kindly assisted me in reopening the claim and provided additional information evidencing the illegitimacy of the withdrawal. Yet again, after a mere XXXX days of deliberation, I was informed the decision to deny my claim would stand. 

The communication from XXXX XXXX mirrored the advice from your teamthey directed me to resolve the matter through my bank. My attempts to seek justification from the Truist fraud department were met with vague responses, leaving me without satisfactory explanations or recourse. 

This incident has left me unable to fulfill my financial obligations, such as paying rent, due to funds being withdrawn without any preemptive alerts from Truist Bank. The lack of communication and concrete reasoning behind the denial of my claim is troubling, especially when I relied on the belief that my assets were protected under your institution 's care. 

The principle of insured deposits is fundamental to banking security and customer confidence. However, in light of these events, I find myself questioning the safeguards supposedly afforded to me as a consumer. Such experiences erode the foundational trust we place in our financial institutions.
Consumer complaint received 2022-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BOA target my wife for retaliation XX/XX/XXXX she was served at home a subpoena by sheriff. BOA was suiting for debt dated XX/XX/XXXX amount {$14000.00}. They offered payment plan {$410.00} for 36 month. I didn't go to court. Debt was not mine. We never had credit cards. After hearing we receive letter from court stating Judge threw the case out. He said BOA came with one sheet of paper with {$14000.00} on it. He said he was not making us pay that bill. The only thing they had was one sheet of paper. After that we started receiving letters from BOA staying we had not made mortgage payment in 2 1/2 years. I started requesting payment History on the loan. We have never receive a payment history for XXXX, XXXX, XXXX, and 1/2 of XXXX. I filed complaint with Hud. They had the case for 1 year. They first said they found Cause retaliation and they were going to do forensic audit to see how far back it went. After doing my research we found out the loan had 5 loan number and 4 FHA number. After a month or more Hud came back and change there finding to No Cause with no reason given. XXXX XXXX XXXX acted as if she never told me that. The good thing about that conversation was my daughter was in town and she heard it. ( information of the court case for the {$14000.00} ) XXXX XXXX XXXX Judgement Case /Cause XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX give my wife XXXX XXXX to speak on my behalf without signing additional separate Document for Bank of America. My wife XXXX XXXX and my name XXXX XXXX XXXX is on the Deed ) My name XXXX XXXX XXXX XXXX XXXX Deed only )