davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Solutions, Inc. (SC)

I am making a complaint about this medical bill that should have been satisfied back XX/XX/XXXX,  I have reach out to the hospital to discuss this matter a number times over the pass couple years and most recently in XX/XX/XXXX and they are no longer able to provide me with any information.    I was informed that I will need to contact  Receivable Solutions Inc,  I have reach out this Receivable Solutions with no resolution due to they are not he original creditor for this account.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (OR)

I wish to file a complaint against Loandepot and their mortgage collection company imortgage. I believe Loandepot purposely raised my mortgage to an amount I could not afford to try and sell me refinancing or other services. 

I obtained a mortgage from Loandepot for a home in XX/XX/XXXX. In XX/XX/XXXX while attempting to pay my mortgage payment of {$1800.00} I was unable due to the fact that the website was saying my mortgage was {$2100.00}. Thinking this was a computer glitch I called imortgage and was told that my mortgage was now {$2100.00} ( and {$320.00} increase ) because a deficit in escrow due to an increase in property taxes, even though my property taxes were current. I argued for more than an hour that could not possibly be correct and could I pay my agreed-on mortgage payment until they got it straightened out. I was told no. I could not afford the new payment and would not have qualified for a loan with a mortgage payment of that amount. Imortgage offered me all kinds of programs like refinancing and loss mitigation options to help me but they all cost more money and more importantly, I knew that they were wrong about the property taxes. I had several phone calls with Imortgage with multiple people telling me different reasons for the increase. I finally had to sell or lose my home. I listed my home at the beginning of XX/XX/XXXX and it sold right away. I did not pay my mortgage in XX/XX/XXXX or XX/XX/XXXX and Loandepot reported that to the credit bureaus. After the home had sold Loandepot adjusted the escrow deficit to {$430.00}, and spread that out over 12 months so my mortgage payment increased {$36.00} instead of the massive {$320.00} which was approximately what I thought it should be ; however, it was too late because the home had been sold. 

This deliberate or not, inaccuracy has been very costly for me. To date, I am out {$69000.00} for rent, realtor fees, deposits, storage, moving fees and so on. I have written to Loandepot trying to get my credit cleared and they have done nothing except send me a snarky response saying these things happen. The BBB was no help either. This home was a multi-generational home, my grandsons lived there with my daughter and her husband. They had to leave the state for a period of time due to not having a place to live. The unethical business practices of Loandepot has severely impacted my family financially and our quality of life. They should be investigated for their incompetence or unethical and possibility illegal activity. This company either made changes to my account to try and sell me other services to save my home or because they have XXXX  working for them. My belief, it is both. 

I do have multiple documents and some correspondence to back up this belief.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My father passed away in XXXX. He had a checking and savings account with Bank of America. I closed the account upon his death. I provided a letter of instruction and requested financial records. I was provided with nothing. For XXXX years Bank of America withheld funds of the account and refused to provide the financial records requested. They eventually sent an invoice for almost {$700.00}. It was only {$20.00} for the records themselves. I asked questions but did not receive a response. The bank decided to deposit the funds into the registry of the probate court and to charge me for the time spent on the case. Even though I provided them with information that the heirship determination was appealed and contested and I was the only Adjudicated Heir. 

I asked them for this reason not to deposit the funds into the registry of the court, but instead to continue holding the funds or to disperse them according to my fathers will, which was probated. 

The bank refused and proceeded to Interplead and attempt to deposit the funds into the registry of the court instead of holding on to them or dispersing them to myself ( the only adjudicated heir ). Nothing in the Texas Finance Code says funds must be deposited into the registry of the court and I believe this is a violation of my rights.
Consumer complaint received 2018-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

My SS check gets direct deposited. I then pay my bills. I sent out 2 draft checks from my account, one was properly handed, the other was not. Then I noticed an amount that had been debited was credited back and redebited. The check in question presented after I had thought my account was in a positive balance and after I paid another bill leaving my account overdrawn. I was socked with 3 XXXX fees for the check. When I called about it, the bank employee cou ; dont get his story right regarding draft checks and personal checks. He refused to do anything about the overdraft status. I literally have zero money now to purchase food or go to the doctor. And that is because of this. I have documentation.
Consumer complaint received 2023-03-10
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. (IN)

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Someone tried to activate service under my name with XXXX XXXX without my knowledge or consent. I am disputing a credit inquiry from XXXX that was submitted to XXXX XXXX on XX/XX/2018. I am asking that the inquiry be removed from my credit report as I did not authorize this inquiry.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (CO)

XXXX is a scam! 

This {$25.00} prepaid XXXX card was activated in XXXX and it expired in XXXX. all the funds were removed from the account when the card expired. 

Even though I registered the card, there was no notification that the card would expire and they took no steps to try and resolve the issue. 

I called and went to the website. Nobody was of any help.
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

Started receiving several calls a day from several different telephones numbers leaving a call back number. In just a two day period I received a call from XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the number back at XXXX XXXX and spoke with XXXX XXXX, ( spelling? ) who is with XXXX XXXX XXXX XXXX XXXX. He said he represents HSBC. I said I was trying to return a call to XXXX XXXX XXXX who had left several disturbing messages about taking legal action against me. He said that they worked or contracted for him. XXXX said that he represented HSBC and that I had a credit card with HSBC and was trying to collect a balance due. I told him that I did not recall having a credit card with HSBC and would like to have a number or address with HSBC so I could get something in writing from HSBC. He said HSBC no longer had any information because they closed my account in XX/XX/XXXX and the last payment I made was in XX/XX/XXXX. I also received a phone call from XXXX in regards to HSBC that stated I had 2 accounts with HSBC and that it was now a " felony '' because the balance was over a {$1000.00} but they could drop one of the balances and could change the other to {$300.00}. They sent an email but I only had an hour to make a decision once it was received and opened to respond. I kept telling them I wanted a letter. XXXX said they didnt send letters because they could be altered. The managers name there is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
I received a letter from XXXX XXXX XXXX XXXX XX/XX/XXXX stating current balance {$710.00} with a approved offer of amount dut {$520.00} with a due date of XX/XX/XXXX but I didn't receive the letter until XX/XX/XXXX. I have not made any further contact with either. I do believe there should be statute of limitations and I feel should be able to get a copy of the original contract with HSBC. But as stated above XXXX told me there was no longer any paper work since HSBC has closed the account.
Consumer complaint received 2023-03-10
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. (OK)

There are several problems with XXXX 's reporting. This account is too old to be on my credit report, the payment history is incorrect, the history and account status is incorrect. XXXX investigated and correctly removed this account from my credit report, but Transunion and XXXX have failed to do so. They have not completed a timely, adequate, or proper investigation and have not appropriately provided me with results of their investigation. XXXX is incorrectly reporting this information.
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2024-08-30
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. (IL)

I will keep on REWRITING to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-03-10
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: Capital Accounts, LLC (CA)

I am writing this complaint to CAPITAL ACCOUNTS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (CA)

I have been without my new car since XX/XX/2023 due to a design flaw in the XXXX XXXX XXXX XXXX XXXX. Their inadequate undercarriage protection Ford is putting their owners at financial risk, and costing Federal and state taxpayers for a flawed product. 
XXXX XXXX XXXX in XXXX undercarriage protection is not made of a durable material. You have maybe expected plastic or metal in the past. Now it is a fabric material that I call Fordboard, that tears and leaves the highly sensitive electronic and the hybrid battery open for damage. This happened to me in the XX/XX/2023 storms in XXXX XXXX. I have been without my new car for XXXX months because, not only is the undercarriage not durable, but Ford refuses to divert replacement batteries for repair but continues to make the new cars so they can continue to make a profit with the help of Federal and State tax dollars. 
I was counting on gas savings with the electric vehicle in order to help pay for the car payment. I now have to pay full gas prices as well as the car payment. I bought the car because our family needed to expand our vehicles. I spent extra on this car to help reduce my carbon emissions. There are now more carbon emissions because of this which is contrary to why there are tax credits. Ford is gathering huge profits as a result of the changes to the tax credits, they are one of a handful of cars that are eligible. If they cant fix damaged cars, then the tax credits arent helping.

Ford refuses to warranty the situation. Ford refuses to pay for a loaner or rental car. Ford rejected my requests for financial assistance.
Consumer complaint received 2023-03-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WI)

On XX/XX/XXXX, Lakeview Loan Servicing increased my monthly payment by {$540.00}. I inquired about this to try and understand it better. It has come to my realization that they have charged and set lender based hazard insurance on the property. In Mid XXXX I submitted proof of insurance. I closed on the property on XXXX XXXX. It has not even been a full year and I have been fully insure the entire time. 

I called again to inquire on the account and my insurance rep with XXXX XXXX has submitted my proof of insurance twice. They still have not changed my monthly mortgage payment amount. 

I also submitted my tax bill which they increased my estimate to {$7700.00}, which my tax bill in XXXX was only {$5300.00}. They still have not changed that either. I have been left with no other options besides reporting this to the CFPB. My lender said I should report this case.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Credit freeze, identity theft hold on my credit profile. XXXX is reporting credit inquiry from XXXX XXXX/XXXX XXXX XXXX, XX/XX/2018. I have mailed a request to XXXX to remove, they failed to follow procedure with credit freeze, identity theft on my profile.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I have been approved for Citi Platinum Select World Elite Master Card on XX/XX/XXXX with credit line of {$13000.00} and XXXX miles bonus from XXXX XXXX ( after making {$3000.00} purchase within first 3 month ). 
Promotion is eligible for people who didn't have account for 24 months. 
Because I had accounts with Citi Bank previously, I called the bank on XX/XX/XXXX to check when my last account was closed, so I would know when to apply for a new card. 
I was told that my last card was closed in XX/XX/XXXX. I verified that information few times, explaining to the agent that I need to be sure about that in order to get bonus miles etc. Assuming that it has been 24 months since the last card was closed, I applied for Citi Platinum Select World Elite Master Card on XX/XX/XXXXstatement if using Platinum Elite Master Card. I called the bank and was told that my last account was closed in XX/XX/XXXX, and I am not eligible for XXXX bonus miles, {$200.00} statement credit and any other benefits offered!!!! 
I have been waited for almost 2 years being aware of the Citi Bank policy, and could have been waited for another 2 months!!!! I called the bank prior to applying for, XX/XX/XXXX and was approved. 
I went to pay for my ticket on XXXX and there is a message about {$200.00} card the card and was misinformed by the agent!!!! 
Citi bank should fixed that mess and award my XXXX points and {$200.00} statement credit!!!
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months now.