davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Our Mortgage loan # XXXX was bought out by Lakeview Loan Servicing , LLC inXX/XX/XXXX. XXXX XXXX  handled it previously and paid my County Taxes inXX/XX/XXXX My escrow account has been charged twice for that now. {$1600.00} was paid XX/XX/ and {$660.00} was paid in XX/XX/. When the new company ran my new escrow analysis it shows another tax amount due in XX/XX/ of {$1600.00}. This is not due nor paid and caused a huge shortage in my escrow. Which in turn caused me to pay extra every month. I have a ticket number where I sent payment receipts in for taxes and I opened the issue with Lakeview. That is # XXXX. It's now XX/XX/XXXXand I have called more than 10 times. I get the same answer of its being processed and a new date everytime. Please help.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: S&S Physician Services, Inc. (TN)

i previously filed a complaint with cfpb ( XXXX ) and the company said that it will be removed and closed on XX/XX/2017. the account is still reporting on my credit when it was told to me by the company it would be removed. this is reflecting my credit in a negative light and hurting my true credibility to borrow and pay back.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Originally I filed a related complaint ( XXXX ) with the Consumer Financial Protection Bureau in XXXX XX/XX/XXXX regarding Capital One 's failure to provide a statement of charges that were made by me ending in approximately XX/XX/XXXX. On XX/XX/XXXX, I received in the mail the requested statement, number XXXX, ( the Statement ) from Capital One due to the aforementioned complaint. The Statement received in XX/XX/XXXX showed accumulated fees and interest of {$1200.00}. I subsequently advised Capital One, after paying off the Statement balance of {$15000.00} on XX/XX/XXXX, I would not pay the accumulated interest of fees ( {$1200.00} ) because they were entirely and solely due to their inaction and wrong doing. On XX/XX/XXXX I received a statement from Capital One in the amount of {$1500.00} for accumulated interest and fees related to the Statement. 

At no time from XX/XX/XXXX to XX/XX/XXXX did Capital at my request provide me with a statement of charges. Prior to XX/XX/XXXX I had paid my statements off in full every month. Capital One restricted, aka closed, the above account on XX/XX/XXXX because they relied on false internal information that I was XXXX - without first obtaining confirmation, i.e., a XXXX  certificate. In XX/XX/XXXX upon learning of the above I requested all Capital One cards of mine be closed immediately. 

Accordingly, the demand by Capital One that I now pay interest or fees regarding this matter is not warranted and a total failure on their part to assume responsibility for inaction and wrong doing. I am requesting CFPB to hold Capital One accountable by removing any personal obligation on my part for the interest and fees now being charged.
Consumer complaint received 2018-03-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

We have been experiencing several issues with the Wells Fargo branch located at XXXX XXXX XXXX, XXXX Florida with just two particular individuals a male manager and a teller by the name of XXXX XXXX 
My mother have received some funds to fix her house where we live due to damages that had occurred in our home and the mortgage company send us several checks to pay the contractors that we have hired to do the jobs in our house. We went to the bank with the check and they did not want for us to deposit the check to my account even though my mother signed it over to me nd I have power of attorney to take care of her affairs and to pay the contractor for the jobs. They say we couldnt and that we have to deposited into her account, so we went to another branch and it was deposited without any issues. So, in two weeks, they sent us another check for the deposit of the contractor, so we went again to the XXXX XXXX XXXX branch because it is close to our home, and again we had the teller XXXX at the drive through and I again informed her to please deposit the check into my account and she went ahead and deposited in my mothers account, and my mother can not have high deposit show in her account because she receives social security disability and food stamps. When we got home that is when I noticed that she had deposited into my mothers account, so we had to wait on Monday to go in to the branch to transfer the funds into my account, so we found a teller that made the transaction for us without any issues. Now on Saturday XX/XX/XXXX I went to the drive through and behold again its XXXX, I fill out the form and needed to withdraw XXXX dollars to pay for a job that was just completed and XXXX told me hold on and she called that same supervisor a male that I dont recall his name made me wait for so long and then he came to the window and says that I can not withdraw the XXXX dollars because blah blah and mind you I just withdraw {$7100.00} the previous day to pay off the balance to our contractor in order to get release of lien. And they are telling me I can not withdraw and what made me so mad is that as I was leaving they started laughing at me. Now this is so unprofessional and I see that we are being targeted by this supervisor and XXXX.
Consumer complaint received 2018-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (AZ)

I was issued a Walmart Store MasterCard/Credit Card with # XXXX XXXX XXXX with an expiration date XX/XX/XXXX. My monthly statement sometime missed to reach me at times. And I just call the XXXX Customer Account Services to find out how much is my balance and due payments. However, On XX/XX/XXXX I called the said numbers and an answering service has notified me that I have no payment due at that time and my account was closed. I was surprised by the message despite I was always current on my payment. And the closed my account. And I started receiving a collection calls every now and then. Including on Sundays. I was not notified by mail why my account was closed. And the worst things they call even at night passed XXXX Arizona time. And Early on Sundays. I called and left a message on that Collection Agency and never receive any response from them. Now, I am surely they are hitting me with late fee 's on my account. 

Kindly help me with my situation with the Walmart account. If for some reasons they have closed my account. Atleast, They will offer me a chance to pay them back without the penalties and interest at a monthly payment I can afford. Thank you very much for your kind understanding and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 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 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MN)

Back in XX/XX/XXXX, I purchased a central air through XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX, XXXX, MN XXXX. ( XXXX XXXX XXXX XXXX ). This company has different address. 
XXXX XXXX made me sign a loan document through XXXX XXXX to make the monthly payments. Shortly after I signed the documents to the bank, I received a notice from the bank stating I had to pay the amount of {$29.00} fee for the loan application. 
On XX/XX/XXXX, the bank sent me an invoice for the amount of more than {$6000.00} dollars claiming I had purchased two central air conditioners. I called and the bank staff member told me that XXXX XXXX sent a double invoice for the purchase of two central airs. The bank stated to blame XXXX XXXX. I explained to the bank I purchased only one because I had only one house. I requested the bank to send me documents that stated I signed two times the forms, but the bank refused to send me documents. 
Based on this, I learned that the bank was committed fraud against me by charging double payments for two central air conditioners. 
The bank refused to send me any documents to prove its claim. I spent money sending a letter to the bank by requesting to send me documents that proves I purchased two central airs. The bank never responded me. I am concern, the bank will force me to pay for two central air conditioners. 
I checked on line reviews on this bank and I learned that XXXX XXXX has been committed fraud against consumers. Please see their reviews on XXXX XXXX I hope that US government investigates in deep this bank for committing fraud against customers. I was one of the bank 's victim.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX is now XXXX XXXX XXXX and they are falsely reporting the amount and dates. It states I opened the account in XXXX. I never applied or signed a promissory note for any loan in XXXX. I tried calling the number on the report but it's out of order. 

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.
Consumer complaint received 2018-03-12
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXXHard Inquiry from XXXX XXXX XXXX  ( I have not ask or apply for any credit cards with these people, unauthorized hard credit pull, two times in one day ) XX/XX/XXXX Hard inquiry from XXXX   ( on this date they pulled twice my credit report and performed 2 hard inquiries without my consent, I did not authorize them nor apply for any credit cards. Someone used my information to apply for these credit cards, three time in one day I had hard credit pulls.XX/XX/XXXX Hard inquiry from XXXX same as above inquiries, I did not authorize nor apply for any credit cards.

XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize nor apply for credit card on this date, unauthorized.

XX/XX/XXXX Hard inquiry from XXXX, I did not authorize this.

XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize this hard inquiry.

I have called these banks personally and explained them that these application weren't mine, also I did contact all three credit reporting agencies, but nothing changed it still hurting my credit.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I looked at my XXXX credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (TX)

After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX Service or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original open date is reporting XX/XX/2011 which is more than 7 years of negative reporting on my credit. This same company has also been reporting under US Dept of Education for the same account and dollar amount. They also garnished my Federal Tax Refund for {$1200.00} well over 7 years ago to repay the amount they are still claiming owed.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

There are so many things wrong with my credit report and I am so tired of trying to get Equifax to correct this. They are purposely reporting information that they know is not correct. They know that I was part of the security breach they had both times and no matter how much I request verification, they send a generic response " verified ''. They have multiple incorrect addresses, several accounts that do not belong to me, bankruptcies that they have not verified and are not mine, inquiries that are unauthorized! Like can they report correct information!!!???? 

Incorrect addresses : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Incorrect accounts that are not mine : XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Opened XX/XX/XXXX *collections* XXXX XXXX $ XXXX Opened XX/XX/XXXX *collections* XXXX XXXX {$430.00} Opened XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX There are 2 public records being reported. I have asked to have these accounts verified and documentation sent to me. I contacted the courts and they do not verify this information. This needs to be removed immediately : Chapter XXXX Bankruptcy ( dismissed ) Date filed XX/XX/XXXX {$0.00} Chapter XXXX Bankruptcy ( discharged ) Date filed XX/XX/XXXX {$0.00}
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I looked at my Transunion credit report on XX/XX/scrub> 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2018-03-12
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: EQUIFAX, INC. (MI)

At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX. On XX/XX/18 I sent a certified letter to XXXX XXXX requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX only responded stating my file was accessed by " a vetted subscriber ''. Thus I am assuming they have to such documentation and do not have written authorization from me to either themselves or their " vetted subscriber '' According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99
Consumer complaint received 2018-03-11
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: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Dear reader, I am with HSBC since XX/XX/XXXX and got my social security nr on XX/XX/XXXX.

since then i was told that i would have to wait to get my credit score but I never had it.

When I contacted XXXX and XXXX, they both answered that I was unknown to them.

On XX/XX/XXXX i started communication with my account representative informing him that i didn't have the possibility to see my Credit Score.

He told me to wait 3 months as my Social Security nr was too young and i had to give time to the system to generate enough history.

Since then i have been in contact with the Branch Manager at HSBC XXXX, then with the Manager, Executive Office | XXXX   Customer Relations | XXXX XXXX XXXX XXXX, with no more results ( all emails available between XX/XX/XXXX and today ). 
They told me that they report the history of my credits properly and the problem is at XXXX side so i had to call XXXX. I called but after many hours of discussion with different people it ended that they give me a list of information that HSBC had to provide me to be able to trace the reporting.

When sending those details to HSBC they told me there were some internal nr they can't provide me with and asked me for the name of the person of XXXX that i had on line but obviously call centers never give their name.

I have all emails to HSBC but not for experian those were only phone calls.

I am really desperate to find a solution to this problem as obviously i am stuck without any possibility to buy a car or a house.

Thank you for your help