davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Email received. Multiple emails of this nature coming from different senders. 

Wow Great News! This Is Amazing! Your New XX/XX/2021 Scores Are Now At a Record High Great Scores Your New XX/XX/2021 Scores Are In Right Here Your XX/XX/2021 Scores has been updated To see your complete XX/XX/2021 from XXXX, TransUnion and XXXX  Reports in one easy to read report go Right Here Great Scores Press Here To See Your Updated Scores For Free You received this email because you subscribed to our list. You can unsubscribe at any time. 

XXXX XXXX XXXX # XXXX XXXX FL XXXX United States of America
Consumer complaint received 2018-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2018 I made my final payment on a charge off account. On XX/XX/2018 a failed to pay was still reported to XXXX credit report. I filed 2 disputes and capitalone still refused to remove the failed to pay for XXXX. I received monthly failed to pays for over a year before XX/XX/XXXX even though I made monthly payments. This affects your credit adversely every month u lose points.
Consumer complaint received 2018-09-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I am filling this complain because HSBC disqualified me from earning a checking account bonus due to the fact that I have an existing credit card account with the bank. However, the terms and conditions included regarding opening the checking account and earning a {$200.00} bonus specifically mention that customers can not have a consumer deposit or investment account prior to opening the checking account for a specified period of time. It's disappointing that the person who handled my response " XXXX '' who has a senior position can't tell the difference between a deposit account and a lending account. The first one is an account where customers deposit money and the second one a product where customer have a specified line of credit. 

I don't accept HSBC 's disqualifying me from an offer that I am clearly eligible for since I never had a deposit ( checking, savings ) account or an investment account with the bank before applying for my existing checking account and a credit card account is definitely not a deposit account. 

The terms and conditions didn't disqualify people based on previously having " Any type of account ''. They specifically mentioned Deposit or Investment account which I never had before.

I urge HSBC to honor the terms and conditions stated in the original offer and credit my checking account with {$200.00} bonus.

If HSBC senior employees can't tell the difference between deposit products and lending products then the best course of action would be to move my funds to a different bank.
Consumer complaint received 2018-06-14
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. (OH)

To whom this concern.

Back on XX/XX/2010 I found a house at XXXX XXXX XXXX XXXX XXXX with a for rent sign in the window. I called the number XXXX  and a guy answered by the name of XXXX XXXX  and advised me he was with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that I could obtain the property if I could fix the home to suitable to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX and I paid XXXX  for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of XXXX as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to XXXX XXXX XXXX XXXX aka XXXX XXXX so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is XXXX XXXX XXXX aka XXXX XXXX  they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX  balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the XXXX HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of XXXX, I have no rights to obtain anything. This is fraudulent I have contacted an attorney who told me to move and walk away. But how can me when its reported to my credit report as if I had a mortgage. I been in contact with sortis financial and they will not remove this from my report they just keep giving a explanation its close as transfer to another lender who has not reported and told me to walk away. I keep disputing this with the credit bureau and only XXXX has removed the remark. Equifax and XXXX  will not remove this remark. Please advised
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FCI Lender Services Inc. (FL)

I have applied for a mortgage to refinance my current balloon 1 year loan which is due XX/XX/XXXX. My new loan is ready to close and my lender is unable to obtain a payoff demand from the current Service company XXXX XXXX XXXX. My loan # is XXXX, on XX/XX/XXXX I signed a borrowers authorization to release the payoff and it was sent to FCI on 3 different dates, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and again today XX/XX/XXXX at XXXX. When my lender called they said title tried to order, and they have my lenders request but the name on the borrowers authorization is not correct so they wont allow the request. They are having them send a 4th request and said it would take another 7 days to process. My lenders legal name is on the authorization that I signed, XXXX XXXX XXXX, I need them to release it to my lender ASAP so I do not lose my locked interest rate. I keep getting calls from XXXX hounding me to do the loan with them ( XXXX has FCI service the loan for them ). and feel this is why they are delaying and possibly putting me in a financial loss. Please help make them release the payoff demand so I can obtain a fixed rate 30 year loan.
Consumer complaint received 2018-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California (CA)

Collection consultants is reporting 3 medical collection accounts on my credit report. I contacted them because they have NEVER contacted me. I asked for evidence that the debt was mine. They refused to give it to me and insisted that I give them my social security number, where I work etc. I finally got out of them that these accounts are very old but they would not tell me how old. I believe that they are over 7 years old and should not even be on my credit per FCRA. I am 100 % positive that they are over the statute of limitations ( CA Civil Code 337 ) yet they threatened to sue me when I would not give them my work info. They are also re-aging the account. They show that the last activity on the account is older than the opening date of the account. Lastly they made absolutely no effort to validate the debt and still won't give me the information necessary to even determine if these are or ever were valid which is a violation of FDCPA.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

The Equifax data breach was in XX/XX/2017 ; using their site, I found out that my identity information was one of the millions stolen. Equifax, through their site, has claimed that those people whose data has been stolen due to the Equifax breach can have a free credit monitoring/identity protection service. When I tried to sign up for the credit monitoring service, I get an error message -- again and again and again. I have called their customer service about 10 times in the last year trying to get them to sign me up for the credit monitoring/identity protection service service since my data had been breached from their data bases, however it's always the same story : I get a customer service rep on the phone who apologizes for the inconvenience and then tries to sign me up for herself but gets the same error message. I rarely get past that point. When I can get a manager on the phone -- which is almost never -- I am soothe-talked and told that someone will look into this and get back to me. When I ask for an email to that end, I get excuses, not an email. Once, in XX/XX/2017, I got a floor manager who sent me an email promising to follow-up in a few days, but never heard back and never was able to get him on the phone again. The email from him is copied-and-pasted below : " From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Sent : Tuesday, XX/XX/2017 XXXX XXXX Subject : Service Request XX/XX/2017 Thank you so Much for allowing us to resolve your issue. 
Your service request has been submitted and you will receive a resolution to your issue of not being able to create an account with XXXX within 3-7 Business days. At which time you will receive another email with our resolution. 


Thank you for your Patience, XXXX XXXX Equifax, Floor Supervisor '' Now I have found out that Equifax stopped offering the free credit monitoring/identity protection service for those people had their data stolen from Equifax, but they should, at the very least, give me my year of credit monitoring/identity protection service -- heck they should give me two years after all the waiting on hold and not being able to speak with a manager not getting any emails or snail mails from them.
Consumer complaint received 2016-11-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

The company Professional Adjustment Corp, is report a debt is not mine that need to be remove off my credit report. There is XXXX account XXXX is {$190.00} and the other is XXXX balance but is report in a negative report against me. I sent this company a request for Validation of this debt. But as I stated in the letter if no respond in XXXX must be remove from my credit reports.
Consumer complaint received 2021-04-02
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. (TN)

I am a victim of identity theft. I got an alert today stating that I had a new account on my credit report from XXXX XXXX XXXX for a medical debt from a hospital in XXXX New York. I have never been to an emergency room in any state let alone New York. I have never done business with this hospital and this debt is not mine. This debt is either being reported as a mistake or a result of the ongoing identity theft but regardless this debt does not belong to me. I was asked by the credit bureaus to send in an updated FTC identity theft affidavit for this specific collection account which I have done and submitted to the FTC. A copy of the report which was filed with the FTC is attached to this complaint.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 an {$800.00} atm withdrawal was posted on my account. I did not know until XX/XX/XXXX and was told by BOA that I would need to call the fraud department on Monday XX/XX/XXXX. I called and filed a claim and was asked to wait patiently up to 45 days and that I would receive a letter in the mail. I called XXXX to update them on the matter. After filing the claim I waited a few days to Contact BOA to obtain an update and was told my account was frozen. I figured it was obviously frozen because of the claim. I kept calling every few days and I was being told the same exact thing its frozen. I finally asked what they meant by its frozen, and they went on to say its frozen because XXXX placed a hold on your account due to them waiting on verification. I asked why they did not tell me this before and they apologized. I call XXXX and verify and was told by XXXX that once BOA received the verification letter they can lift the hold From my account along with provisional {$800.00} credit that they must give me. I called BOA almost everyday to find out whether they received verification. When they finally stated that they did XXXX which was actually days before ) they stated they would submit a form ( apparently he said its a form he has to fill out and did not tell me more than that ) along with submitting my claim for a reconsideration this was on XXXX XXXX was told this can take months, and that the XXXX  days I had already waited did not count due to the account being closed. I called back XX/XX/XXXX in which I was told that no one submitted a reconsideration. So a reconsideration was filed. I called XX/XX/XXXX and spoke to a supervisor who stated I would be given the provisional credit. I have been getting the run around about my funds since XX/XX/XXXX. Bank of America supervisors have hung up on me multiple times and do not have an answer for anything and even going as far as telling me to bank with another banker. It has now been almost 60 days and I have yet to receive anything in the mail regarding my claim. Today I have had it, was hung up on by a BOA claims status supervisor as well as feeling humiliated and asked why do you need the money for? Bills, payments, food, OR what? I can not believe that they would ask me why I need MY Money for. I do not think that BOA plans on ever refunding me this money and I have been the one calling and calling to get things moving. And nothing has changed. I can only imagine how many people are going through this.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

FARI collections is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid the debt off. I never received any phone calls or collection letters or notices about this debt. I'm sure this violates my 30 day right to dispute.
Consumer complaint received 2021-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2023-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I sent a debt validation notice to Resurgent capital Received on XX/XX/2023 and they just sent me statements which is a violation of the FDCPA 15 usc 1692e is false and misleading to a consumer that I have to pay them. Resurgent need to provide copy of debt license to collect in my state Please see attached letter of information that need to provide to me thank you
Consumer complaint received 2021-04-05
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc. (CA)

I have received a response form Santander, they have also sent a copy of the loan contract that I am disputing about. First I want to start by saying when it comes to fraud there are no statues of limitations. So lets start with Truth In Lending since this was indeed a consumer credit transaction under 15 USC 1605 THE FINANCE CHARGE i found 2 things I wan na bring to Santander attention that they are in Violation of : 1. Examples of charges which are INCLUDED in the finance charge include any of the following types of charges which are applicable : ( c ) Property damage and liability insurance premiums included in finance charge, Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge. SANTANDER did not include any insurance in the contract they labeled that section N/A.

2. The finance charge does not include charges of a type payable in a comparable CASH transaction. Since this was a Finance charge there shouldn't be any cash transactions, I had to put down {$1500.00} cash to acquire the vehicle.

Due to the response that I have received from Santander, I am requesting a DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have disputed and contacted XXXX, Equifax, and XXXX numerous of times, they are ignoring my request. I know they have been under fire for false and misleading credit reporting and they are not protecting me as a consumer. 

I have requested to see verifiable proof ( an original consumer contract with my signature on it ) that they have on file for the accounts listed below. They have failed to provided these documents. I ask for a VALIDATION OF DEBT, otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify these accounts has hurt my ability to obtain credit and buy a house for my family. Under the FCRA, inaccurate, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Account # : XXXX Thank you for your help in this matter.
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

So we have a big issue with our escrow for this year that we need assistance with, I 'm not sure who to turn to on this. We got our annual escrow disclosure statement a couple months ago and our flood insurance had two separate charges, one for XXXX and another for XXXX. Our original flood insurance was {$420.00} annually. We called and spoke to both caliber rep and a rep from our insurance company, coming to the conclusion that they submitted our new flood insurance at {$7100.00} and the {$9200.00} was a goof up for some reason or another on their part. You see no one had let us know that they were going to increase our flood by 2086 % ..they also did n't send us paperwork about this nor did we sign anything that we would accept any of these new policies that they submitted into place in error and without our consent. So after much arguing with the insurance company and them having us pay to get another elevation certificate done they were able to " grandfather '' us in for an new annual flood rate of {$1400.00} and sent 2 refund checks of {$2700.00} and {$5300.00} XXXX to make up the difference. If you do the math this is obviously not going to cover the {$9200.00} and {$7100.00} they subtracted from our escrow account making it be in the thousands in the negative.-XXXX $ ++. So we then deposited total of {$6600.00} into escrow to try to pull us out of the negative. Which our XXXX deposit would pay everything we even owe for escrow regarding our taxes, pmi and insurances. They have adjusted escrow 3 times and still have n't taken care of the XXXX charge. Also on the updated escrow disclosure they have another XXXX charge for the new policy, however the XXXX is still in there with our added deposit to make up the difference. This is making our " new '' mortgage payments almost a thousand dollars more than our old payment. Also our taxes are less because we have homestead. Everyone is dragging their heels with helping us. We ca n't afford to keep paying for this mistake and afraid will have to sell our house or get foreclosed on due to this error. I have XXXX children to take care of and one of them has serious medical issues as she has a XXXX XXXX and XXXX XXXX that is already stressful enough to deal with without having this extra burden on me. If you could please look into this matter as I feel like what happened was unlawful and not within the standards of this industry.