davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (PA)

Cease & Desist : Selling my Personal consumer information to a Debt collector without my written permission is violation of my rights. Please clear my consumer file due inaccuracies on my report that have no been verified. Also provide me with free report. 
In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 
This complaint is due to the XXXX XXXX XXXX with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of XXXX XXXX XXXX ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned XXXX XXXX XXXX XXXX without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. 
Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

HSBC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This is regarding my HSBC credit card account. When I checked my account on HSBCs website, I found online that my two electronic payments of {$100.00} each were returned and a {$25.00} fee charged to my account. My credit union account had plenty of funds to cover the payment. When I contacted my credit union, they confirmed the funds were there and that no payment had been presented to them on XX/XX/XXXX at XXXX XXXX. 

On XX/XX/XXXX in the evening, when I contacted HSBC via  their chat service, they could not help me and advised that I call customer service. My account was on a security hold and they could not tell me why. I explained that I saw no fraudulent charges to the account and confirmed my identity. 

On XX/XX/XXXX at XXXX XXXX, I called customer service at XXXX. Customer Service could not help me and transferred me to HSBCs security division. I was on hold for security for one hour and sixteen minutes. The security advisor, XXXX, could not help me and transferred me to her boss XXXX. XXXX was not at his desk so she advised that he would call me. At XXXX, he returned my call but I was not at my desk so he left a message with a reference number. When I returned his call, I held for over twenty minutes and could not get through. I tried contacting HSBC several times using their chat feature and presenting my reference number but no one could help me. To date, no one from HSBC has contacted me further regarding this matter.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Prior to the last complaint I put in with consumer finance protection bureau I stated and alerted my financial institutions fraud department of the identity theft & fraud that has taken place with my name & social security number that I did not authorize. Before putting a complaint in I tried to resolve this issue with my financial institution which they directed me to go into your nearest branch. unfortunately I did not get the help needed to move further in investigating what is going on with this fraudulent unauthorized account that my financial institution Bank of America joint to my actual checking & savings account that I opened. However the branch I chose to go to denied me access to the information on the savings account that I told them was an unauthorized account. I made police report I also made a report with the attorney general at this point because my financial institution has frozen my legit funds & my legit checking & savings account. Furthermore I called a resolution department on XX/XX/2023. I was told my accounts was being closed my funds are frozen & they could not disclose to me why. This department was of no help. However there was a XXXX XXXX who reached out to me through email in response to the consumer finance report I made stating she was the point of contact & would help on the behalf of Bank of America as a resolution specialist. I emailed her back 3 times I also left a voicemail because I could not get a answer when I called. I have been complying with every law as the consumer & im not being helped & also at this point my financial institution Bank of America is rejecting me not helping & they froze my funds & closing my account with no explanations. Because of this they are causing me a financial burden.
Consumer complaint received 2022-10-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-31
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. (CA)

I made a payment in XX/XX/2020 for XXXX XXXX. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact XXXX  XXXX to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX  XXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again
Consumer complaint received 2023-06-22
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I took out a conventional mortgage with U.S. Bank Home Mortgage a year ago to purchase my first home. 

I opted at that time to escrow my County taxes and Hazard Insurance monthly so that they would be paid automatically twice a year. 
At closing, I had put a deposit of {$3500.00} in anticipation of 6 months of property taxes. Thereafter, {$670.00} has been deposited into the escrow account monthly. I was given the impression that the Bank had correctly calculated these figures based on county tax rates and homeowner 's insurance premium, information that was retrievable to them.

I understand that County taxes and homeowner insurance premiums can change year to year and that these are my responsibilities. I was not prepared to receive an Annual Escrow Account Disclosure Statement with reported SHORTAGE of {$2900.00}!! Additionally, my escrow Deposit will increase from {$670.00} to {$840.00} monthly!

This obviously comes as a shock to any first time homeowner. 

I have called the US Bank customer hotline to determine the cause of this shortage. The representative points to yearly changes in County taxes and Homeowners insurance as probable cause of this shortage, but I point out that the increases don't add up to {$2900.00}. 

I have reached out to the Loan Originator from U.S. Bank but he tells me to call the 1-800 hotline and that perhaps a lower tax rate was used and not adjusted in the final closing documents, to paraphrase. 

I think I demand a better and thorough explanation from U.S. Bank. It makes me feel that I agreed to terms of a mortgage ( along with an annual escrow amount ) that was not fully accurate.
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Onity Group Inc. (CA)

PHH Mortgage purchase XXXX XXXX XXXX XXXX. It transferred XX/XX/XXXX and they got my payments wrong. I paid my XXXX payment back in XXXX. I always pay my payments early and they say I never paid it or they applied to principal, this was never a problem with XXXX XXXX XXXX. this is illegal by the practices that we set while I was at the FDIC and I helped form the consumer finance protection bureau. This is another abusive practice of Banks who acquire portfolios from other banks and do not do their due diligence on bar wars or their payment history. I owe XX/XX/XXXX payment only I will not pay it until they admit that I paid my first payment. I have a picture of the record of all my payments since XXXX of last year to XXXX XXXX XXXX through XXXX XXXX  please see attached.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (CT)

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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX : # XXXXXXXX XXXX XXXX  XXXX : # XXXX, 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 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 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

My account has and currently is still being marked past due with many late payments being reported when my account is paid on time and needs to be updated. By law, a creditor shall not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mnet Financial Inc (OR)

On XX/XX/2023, I received a collection letter from MNET Financial LLC. In response, I promptly sent a verification letter via XXXX with certified mail on the same day. However, instead of providing the information requested, MNET Financial LLC sent a fabricated statement dated XX/XX/2023, containing generic information readily available on the internet. This statement did not verify my identity or validate the debt in question. 

MNET Financial LLC failed to fulfill the following obligations : 1. **Written Agreement : ** They did not provide a copy of the original written agreement that established my obligation to pay. 
2. **Billing Statement : ** MNET Financial LLC did not supply the last billing statement from the original creditor. Instead, they created a fictitious one after receiving my verification of debt letter. 
3. **Debt Acquisition Date : ** The date they acquired this debt from the original creditor was not disclosed. 
4. **Debt Due Date and Delinquency : ** They did not specify when the creditor claimed the debt became due or when it became delinquent. 
XXXX. **Collection License : ** MNET Financial LLC did not confirm if they held a valid debt collection license in my state. They omitted providing the license date, number, issuing agency 's name, address, and contact number. 
XXXX. **Licensing Information : ** They refused to acknowledge whether they held a collection license in the jurisdiction they are operating.
Consumer complaint received 2023-01-19
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. (MD)

I ordered a copy of my report in XXXX dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-07
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: Credence Resource Management, LLC (FL)

Company is XXXX XXXX XXXX. allegedly opened XX/XX/2017 ( 8 mos ). they claim I owe {$2500.00}. I have been with XXXX for over 16 years now. I have gladly paid my XXXX bill every month. I am not in need of another phone. They are the 3rd collection company to contact me concerning this alleged debt that is owed. I do not owe this debt. They have not shown any verifiable proof concerning this debt and me. I have contacted the agencies to have this removed and they refused to have it removed. They keep saying it is verified. yet, they refuse to send me ANY information regarding the alleged debt. the credit bureaus are implicit in this act of keeping it on. the bureaus also refuse to help in this matter.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (SD)

I filled out the personal financial management application that is required by NFCU to obtain help with payments. My request was denied and the representative told me that they wouldn't offer me any assistance because I had received assistance in the past. However, they offered assistance to my husband- who has also received assistance in the past for exactly the same type of issues/hardship and for the same amount of time. I know because I had a poa to be able to request this assistance on his credit cards and loans. I discovered that he had been approved for assistance when the joint credit card we have showed a lower payment and an interest rate of 3 %. Meanwhile I am not able to receive assistance on my individual credit card and loan. I have attached a copy of the credit card statements.