davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

Our mortgage loan was transferred to a new servicer in XX/XX/XXXX. 

On/about XX/XX/XXXX, we received the XXXX XXXX Account analysis ( dated XX/XX/XXXX ). 

The analysis increased our monthly mortgage by a total of {$710.00} due to anticipated escrow payments for the XXXX tax year and an escrow shortage in the amount of {$4800.00}. 

XX/XX/XXXX : We called the servicer to get an explanation/understanding of the shortage. We explained that we had a homestead exemption for the XXXX tax year. The rep informed us that she could not locate any relative documents in our file, and requested that we send the documents again. That same day, we sent the email which included our XXXX tax bill from XXXX XXXX and the receipt as attachments. We were informed to follow up in a week. 

A week or so later we followed up only to find that our file/ticket had been Closed. At that time, we requested that the file/ticket be reopened as the issue had not been resolved. 

XX/XX/XXXX : We called and spoke to a XXXX who informed us that he would look into the issue, and that he would call or email us back. 

XX/XX/XXXX : XXXX : We had not received a call or email from anyone, so we call the XXXX. We were informed that nothing had been done with the file and to check back on on Wednesday. 

XX/XX/XXXX : We call once again only to find that our request to have our escrow account reanalyzed taking into account of homestead exemption had been denied. The reason being the homestead exemption did not cover all of the taxes. ( Our XXXX property taxes were {$2000.00}. The homestead exemption was {$2000.00} ).
Consumer complaint received 2018-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As I am working to clear up things that are on my credit I came across XXXX XXXX From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.
Consumer complaint received 2018-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (VA)

I only found out about this supposed debt when I applied for a loan refinancing and was informed that there was a negative report on my credit. When I got the credit report from the three bureaus, it turned out to be a hospital debt that has been settled a while ago.

Aargon, the collection agency, never sent me a notice that I owed a debt. It just went right ahead with filing the negative report with XXXX and XXXX XXXX on XX/XX/2018 for the supposed debt of {$1500.00}. 

I called Aargon on XX/XX/2018 to inquire about their filing. I provided my full name and date of birth. The representative I spoke with told me that he could not help me because there are supposedly a lot of names similar to mine. He asked for my social security number which I refused to give for privacy and security reasons. I told him that I have never given hospitals or medical providers my social security number. Even Medicare has now changed the card it sends to Medicare members. It no longer shows the social security number. I could not provide him the file number because it was not shown in the reports of XXXX or XXXX XXXX.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

On XX/XX/XXXX, I got a phone call from HSBC fraud department asked me about two wire transfers. I told them immediately that I never made any transfer, neither did my spouse. And the HSBC staff on the phone told me he was able to hold both transfers successfully. He also needed to verify my identity. I was very careful with this kind of phone calls and online questions. So I went to the local HSBC branch ( XXXX NJ ) immediately. I told the manager what happened and showed her the number of the phone call I just received. She verified the number is HSBC fraud department and closed all my accounts ( checking, saving, credit card and debit card ) and also reopened new ones.

Then it turned out that the two transfers : one didnt get through, the other one was cleared and withdrew by the recipient.

It took the HSBC 25days to refund me the transfer ( amount {$60000.00} ) that didnt get through. Then I was told that the other transfer ( $ XXXX+ $ XXXXfee ) was still under investigation. I called customer service and went the local branch several times and asked for an estimated timeline. But nobody can give me one. I searched online and found out I should also report this to the local police department, which the HSBC staff never mentioned to me. ( I reported it to the police department around the end of XX/XX/XXXX )
Consumer complaint received 2023-01-04
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. (NC)

in accordance with the Fair Credit Reporting act 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, 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
Consumer complaint received 2020-12-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (GA)

I loss time at work from my XXXX  XXXX  while waiting to get accepted to have XXXX to help with my condition then after XXXX i didnt receive any income while recovering im now back to work iv called and tried to make arrangements they refused to accept the offer and said it needs to be paid in full now this company has been very hard to work with and when you call to work with them they are always very nasty and ruthless im not planning on going anywhere and need to keep my home would not like to be another veteran homeless when im able to get things caught up please advise.
Consumer complaint received 2023-04-09
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act 1.XXXX account ending XXXX & XXXX XXXX # XXXX, has violated my rights. 

2.XXXX XXXXXXXX account identifier : XXXX, account ending in XXXX, has violated my rights. 

3XXXX XXXXXXXX Services account ending XXXX, has violated my rights 4XXXX XXXX XXXX has violated my rights 5.XXXX  Confirmation # XXXX Has violated my rights 6. XXXX : account number ending XXXX, has violated my rights 7.XXXX XXXXXXXX XXXX account ending XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX : XXXX XXXX ph XXXX XXXX, XXXXXXXX XXXX XXXX account ending with 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.
Consumer complaint received 2023-04-09
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2020-01-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc. (CA)

Earn Up is a third-party that collects mortgage payments and forwards them to the lender. The purpose is to make bi-weekly payments so the loan will be paid off earlier. 

Our XXXX payment was sent to XXXX XXXX ; our loan was sold to XXXX XXXX. I contacted Earn Up on XXXX to cancel my account since XXXX has their own bi-weekly option. They advised me that the XXXX payment was sent to XXXX on XX/XX/XXXX. I contacted XXXX  and they stated they had not received the payment. I informed Earn Up and they stated it was too soon to issue a stop payment. I made weekly contact with both institutions. On XX/XX/XXXX, Earn Up advised me they would issue a stop payment and refund the $ 3,000+ to my account. I monitored my checking account for the refund. On XXXX, I contacted EarnUp who stated it was too soon for the refund. I made contact on XXXX, XXXX, and finally on XX/XX/XXXX a rep told me that the check was cashed by XXXX on XXXX. I contacted XXXX  and they stated they had not received any payments on my behalf and would need proof of payment ( transmittal report, copy of canceled check, etc ) before they could initiate any investigation regarding my account. XXXX  was not willing to do any research on the payment without proof. I have requested a copy of the canceled check and an annual statement from Earn Up, multiple times. I was quoted 3-5 days turnaround on the check and statement. It has been over 2 weeks. 

Each time I call the customer service line, they say the same thing, " We've escalated the request and sent it to the back office. '' The phone center is in XXXX. They stated they make contact with XXXX XXXX by email only and no one can speak directly to XXXX XXXX staff. They are unable to tell me exactly the status of my requests, only that the information was sent to XXXX XXXX office. There has been no follow-up from Earn Up, either by phone or email. I have had to make all contact with them. 

I am unable to recover my $ 3,000+ from XXXX  without proof of payment. I want my money back. I want Earn Up to respond to my requests and provide the documents I've requested.
Consumer complaint received 2018-04-09
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: Fidelity National Information Services, Inc. (FNIS) (WI)

XXXX XXXX has acknowledged the balance on an account I formerly had with them was the result of Identity Theft. They are reporting the account to ChexSystems. After investigating they decided to consider the debt paid since it was not a result of any authorized activity. Although XXXX has acknowledged the debt is a result of fraudulent activity, they have wrongfully decided to continue reporting the account with the exception of changing the status to paid. This action could lead lenders to believe the balance was accurate at some point, which is false.
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc. (GA)

AUGUSTA COLLECTION AGENCXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ga XXXX has been sending me collection notices in the amount of {$410.00}.. THE COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a certified letter to TransUnion on XX/XX/2022 ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ) to remove inaccurate and non current personal information from my credit report. According to the FCRA 1681, I have a right to privacy. According to to 15 USC 6802, no financial institution can share my personal information with a third party. This is clear evidence that violations were made against me.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XX/XX/2022 a credit card with Bank of America was opened in my name. All information was correct in it but the address and phone number. On XX/XX/2022 after not receiving said card, I proceeded to call Bank of America and tell them I had not received this card. I asked where the card had been sent and it was sent to XXXX XXXX, Texas. Where I have not resided in almost a decade now. The customer service rep I spoke with then closed the account due to fraud. I was then told that it should be resolved by XX/XX/2022 and should also reflect on my credit report also. My credit report still shows that it is an active and opened account. It is now XX/XX/2022, and I spoke with XXXX this morning to try and resolve the issue still. My credit has taken a direct impact due to this fraudulent card being opened in my name.
Consumer complaint received 2022-05-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (MS)

We are exempt from paying county, city and school taxes. I submitted the necessary documentation to the mortgage company XX/XX/2022. As of today, XX/XX/2022, they refuse to adjust our monthly escrow payment to reflect the exemption. I called them on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and today, XX/XX/2022. Each time I called, I was told by the representative that the exemption documentation was on file and " an escrow analysis had to be done '' and it would take 2 weeks for the adjustment to take place.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica (CO)

On or about Mr. XXXX XXXX XXXX Colorado department of XXXX XXXX  # XXXX. XXXX XXXX admitted to damaging the direct express debit card by running it over with a XXXX XXXX XXXX however the damages are inconsistent with tire damage. Received XXXX XXXX debit card. The balance was approximately {$6400.00}. I had XXXX and he threw my personal property to the street and I was XXXX  and still do not have a permanent residence. Mr. XXXX is under investigation in the following domestic violence cases : Fwd : Case XXXX XXXX XXXX XXXX XXXX Case # XXXX XX/XX/XXXX XXXX county Colorado XXXX XXXX XX/XX/XXXX XXXX XXXXe investigation and keep the peace order officer XXXX responded to XXXX XXXX XXXX. XXXX XXXX Colorado XXXX XXXX XXXXase XXXX XXXX XXXX  court XXXX XXXX XXXX Courtroom XXXX ( on going high conflict XXXX XXXX ) Case Report # XXXX XXXX XXXX XXXX XXXX Colorado # XXXX and # XXXX XXXX
Consumer complaint received 2022-05-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I am trying to work with this loan company. I inquired the home in XXXX 
I have called several times to inquire about payments. I was under a bankruptcy. It was dismissed. 
I have sent paperwork to this loan company : will, death certificate, the social security numbers. 

They keep telling me that I am a third party on this loan. I am willing to pay {$500.00} a month. I had my attorney sent them a write off stating my bankruptcy was dismissed. 
I called they again say they don't have the paperwork. My attorney also sent paperwork. 
I don't want to lose my home. 
I have a XXXX XXXX  and a brother that has XXXX they are with me. 
I am stressed out to no end. They say they don't refiance, I know my credit is bad but I manage to pay taxes. I have new cabinets in my garage but now it is on hold. I am not putting them in if they are taking my home. 

Please can you help me? 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (KY)

I paid my credit card bill on XX/XX/XXXX I paid chase bank {$210.00}. On XX/XX/XXXX Chase bank charged me a late fee of {$37.00}. The person I talked to said I was late and that there was nothing they could do about it.
Consumer complaint received 2018-12-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I received a phone call from XXXX  XXXX XXXX in XXXX GA on XX/XX/18 regarding an amount they say that I owed to hsbc bank, the individual had information such as the last 4 digits of my ssn, past addresses, current address, names of relatives, marital status, cars Ive owned, employer and other information. Every time I would ask them to send documentation proving that I owed this debt and to prove this is not a scam he would remind me what information they have and threaten to come to my job or home. He said that I have a legal suit against me by hsbc and that they will take action if I do not pay. The information sounded convincing so I set up a payment arrangement to pay the debt. After the fact I XXXX the company and the address, the address belongs to XXXX mail store. No website or anything. I also do not have any record of owing hsbc. I saw hundreds of complaints just like mine. I contacted my bank for information about the transaction and it appears the money that I authorized them to draft went to a XXXX account???? What legit debt collector receives money through a XXXX acct? I have stop the payments that have been drafted until there is absolute proof that I owe this debt, itemized statement and something stating this is a legit company that is licensed to collect for this debt
Consumer complaint received 2018-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Since I opened the " BankAmeriCard '' account # XXXX XXXX XXXX XXXX in XX/XX/2017 I have not received a paper monthly credit card statement by MAIL as I initially requested when I opened the account. 
I have visited my local Post Office on 3-separate occasions and they have informed me that they DO NOT receive any return items from Bank of America. 
Every month I carefully monitor my account to be certain that charges are valid and there is no suspicious activity. There has been no suspicious activity. 
But each and every month since XX/XX/2017, I have NOT received a paper statement from Bank of America as was initially requested both online and by telphone to Bank of America representatives. 
As a customer/consumer, it is impossible to understand how such a minor request can not be provided and it is especially disheartening when each and every month I DO receive all advertisements offering me loans and checking accounts and other BOA products, yet I can not get a paper copy of my monthly credit card statement causing me to have to print it on line.
Consumer complaint received 2022-05-04
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ; XXXX Account # XXXX ; XXXX XXXX  Account # 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
Consumer complaint received 2022-01-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

This is a follow-up to complaint # XXXX, filed during XXXX. When I was notified, after waiting almost a year for a response, that the bank had refunded me for approximately {$3000.00} in NSF  fees, I was pleased and went to my local branch during XX/XX/XXXX to attempt to withdraw the funds from the old, closed account. However, I was informed that the entire balance had once again been taken out. Some of the charges that I was told about ( despite asking, I never got an actual statement or accounting of how my money disappeared again ) appeared to be legitimate transactions that were initiated automatically by various companies that I do e-business with, such as XXXX. However, I was told that my account was emptied of the entire {$3000.00} PLUS, more NSF fees were charged even after that. I expressed disbelief that all of the money was gone and that the account had gone negative again and was promised by the branch manager that I would be emailed all of the details of the transactions, which I never got. So, once again, I am left with nothing. I am astonished that Santander feels emboldened to pull this on me again, but here we are. Please help me to regain the {$3000.00} that was taken from my account, less any charges that can be substantiated as approporiate. Hopefully this time, it won't take nearly a year to get Santander to respond.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX  balance XXXX account # XXXX 30 days late in XX/XX/2020, and XXXX 2020.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I am unable to access all my accounts ; savings and credit card. They locked my accounts without informing what the issue was. I called the customer service a few times and directed me to the security team department, but to my surprise, the Dept is only open M-F XXXX  to XXXX.I spent HOURS to call the security team department, while at work, with NO luck. Finally, I had to give up and so I called the customer service number again and requested to talk to the Manager but AGAIN, they told me that I had to talk to Security dept since that the dept the only one with access to unlock my account, not even their manager.  They also said that the sec dept had very high call volumes and the wait is long and to try calling them early morning. So, the next day, which is today, I called them exactly at XXXX ET and waited for 1 hour without no one still answering the phone. Its been over a week and I still dont have the access to my account! Me too, as other people stated with the same exact issue, concerned about the possibility of fraud and my credit rating.