davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (GA)

I received a letter addressed to me from Regions Bank at my home address regarding a debit of XXXX against checking account number XXXX on XX/XX/2021. The debit was taken to satisfy debt in the amount of XXXX due and owing by one of the owners of the account on another account with Regions bank. I went into a local Regions bank branch and spoke with Branch Manager XXXX XXXX in the XXXX GA branch at XXXX XXXX XXXX XXXX. He stated that there were two checking accounts and two savings accounts opened in my name using my actual social security number and date of birth and address. The email used was not my email " XXXX '' and a name of " XXXX XXXX '' was also listed on the account. There was activity of deposits from " XXXX '' of XXXX with serial number XXXX on XX/XX/2021. There were payments to XXXX of XXXX in my name with a trace # XXXX on XX/XX/2021 and customer id of XXXX. There was an XXXX payment to XXXX XXXX Customer ID XXXX on XX/XX/XXXX, XXXXRegions has red flagged the bank accounts and I have emailed XXXX, XXXX, and in the process of getting a PIN number from IRS for my tax filing. My office number is XXXX and email is XXXX. I have filed a police report with the XXXX XXXX XXXX XXXX case number XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (VA)

The the credit bureau experian and XXXX. My bankruptcy was not verified and I have sent them both the letter from the company that they used to verified. The company letter said the bankruptcy couldnt be verified so they removed it. But experian and XXXX wouldnt removed the bankruptcy.
Consumer complaint received 2022-07-28
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. (KY)

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 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 2021-12-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (VA)

I deposited sums with the Citibank as deposits, and when the bank requested them, it informed me that there are no data with the bank, and I provided them with all the papers that indicate these amounts
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (IL)

I reviewed my credit report about XX/XX/2021 and found a collection account from XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX I did not recognize. I sent Experian a letter on or about XX/XX/2021 to dispute the information asking for them to provide me physical verification including any signed contracts that these debt belongs to me and that all information was correct, to date they have only sent me a generic letter stating it was verified and updated with a different dollar amount. On or about XXXX I sent another letter demanding verification and received the same response about XX/XX/2021. On XX/XX/2021 I noticed the account number changed after all the the previous letters of verifications and updates I again sent another letter asking for an explination and documentation for the accounts in question on XX/XX/2021 and XXXX account was updated and XXXX XXXX ( XXXX XXXX XXXX ) was deleted on or about XX/XX/2021. I reviewd my credit report again on XX/XX/2021 an noticed the XXXX collection ( XXXX XXXX XXXX ) account had been added back to my credit report without any acknowlegement from Experian.
Consumer complaint received 2021-03-25
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)

Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over. 
I attached the ftc report and letter with my infomation.
Consumer complaint received 2021-12-07
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. (NE)

Below is my chat log with TransUnion. This should not take XXXX business days to unfreeze my credit report. Also, their list phone number does not work. 

Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, open Monday through Friday, XXXX a.m. to XXXX p.m. Eastern Standard Time. 

We care about your privacy. Please do not include SSN, account numbers or any other personal information, or submit disputes or complaints about your credit report. 
Thank you for contact TransUnion, my name is XXXX, How I can help you? 
Transunion Support XXXX PM I would like to unfreeze my credit report so a credit report can be pulled. I am receiving this online message : Your TransUnion Credit Report Freeze status is currently : Unknown UNKNOWN The TransUnion Credit Freeze Service is temporarily unavailable. 
XXXX PM Hello XXXX, I do apologize about the issue with the system to unfreeze your credit report, Let me access on your file to check if will be necessary to process a maintenance to complete your request online Transunion Support XXXX PM I asked a couple of times why my status is " unknown '' XXXX PM In order for me to be able to open your file, I'm going to send you a web form link so that you can fill it out with your personal information. Please right click on the web form link and choose Open link in new tab in order to avoid closing out our chat session. Heres the link : https : //www.transunion.com/customer-support/agent-support. Let me know when youve completed filling it out so that I can access your file. 
Transunion Support XXXX PM Completed XXXX PM Thank you, give me a moment please Transunion Support XXXX PM Sure XXXX PM Thank you for your time, let me tell you I was checking your file and it's necessary a maintenance to unfreeze your credit report, for that reason shows the status as unknow, I will need to work with another team to have this resolved. I will schedule a call back once It has been reviewed. This call may take up to XXXX business days. Thanks for your patience while we work to resolve your issue.
Consumer complaint received 2022-07-28
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. (FL)

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act, 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institutions are suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Under Florida law a loan modification agreement constitutes a novation of the original loan documents. See Florida caselaw XXXX v XXXX  XXXX XXXX, attached herein. It is therefore that a lender would attach a copy of the loan modification agreement XXXX  the foreclosure complaint so they can established that a default occur on the terms of the new contract. Select portfolio attached a copy of an unrecorded loan modification to the complaint. Under Florida Statute 201.08 ( 1 ) ( b ), & 199.282 ( 4 ) - " No Mortgage, deed, of trust, or other lien upon real property situated in this state shall be enforceable in any Florida Court room. '' Because the loan modification did not have any enforceability we filed motion for summary judgment. What happened next will shock you. The bank 's lawyers immediately recorded the loan modification. See loan modification recorded date XX/XX/2021. Upon closer examination of the loan modification we realized that the bank 's representative have engaged in fraud with the XXXX Clerk , therefore we ask that you provide a copy of the complaint to law enforcement, you have our consent. XXXX XXXX requires that a mortgage be notarized but also to reflect the legal description of the property on the document. XXXX XXXX will rejected and  not record a mortgage not notarized. If you carefully review the loan modification you'll find that just above the borrower signature it states " In witness thereof ". The borrower 's signature nor the bank 's were witness as the allege agreement was not notarized by either party. The XXXX clerk are not permitted XXXX  accept a loan modification not notarized because the loan mod is the new mortgage contract. The matter will be brought to the judge attention as we are requesting the Honorable Judge take judicial notice that the bank 's legal representative have engaged in fraud in connection with the unlawful recording of documents. The loan modification does not have the property legal description. For educational purposes, can a court dismiss a foreclosure action based on a mortgage not having a legal description? The answer is no, the court may give the lender the opportunity to amend the document before the judgment is entered .However, pursuant to Florida Case law Fed XXXX XXXX XXXX v XXXX XXXX XXXX, no judgment ever be entered until such correction has been made. What the caselaw does not say is that in order for a lender to correct this issue it requires for the debtor to sign the amended documents and we are not signing anything. SPS, you should know better than that, sps or their legal counsel engaged in a fraudulent act along with the XXXX clerk to record a document that can not be recorded and you been caught in the act, the question here is who among you in going to jail?.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had several charges from the east coast and submitted a dispute with the credit card company. These charges were definitely not consistent with previous charges on my account ( This is the reason the credit card company rejected my dispute ) as I have not been to the east coast in a long time. Some of these charges included XXXX NY LOCAL as well as XXXX XXXX  orders in NY for which it would make no sense for me to order from California. I also do not know anyone in NY. 

I called and was told nothing could be done and proceeded to cancel the card. Although the person I talked to was surprised that my claims were denied, he reiterated that he could do nothing.
Consumer complaint received 2021-03-25
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: EQUIFAX, INC. (LA)

Equifax continues to report I am Deceased, after receiving correct information from XXXX  XXXX XXXX. 
I have 2 recent disputes with Equifax. 
When Equifax completes the disputes and indicate COMPLETED. Equifax continues to show I am Deceased. 
XXXX  XXXX XXXX sent Equifax a letter of Correction on XX/XX/2021. 
I am unable to get a home mortgage because my Credit Score is not available from Equifax.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have filed a dispute for an airline ticket purhcase. The airline cancelled all international flights, including my flight due to war in XXXX. The airline did not issue a refund to me for the purchase. The airline did not send me a cancellation of the flight - instead they posted on their website that " all international flights have been cancelled as of XX/XX/XXXX '' ( see attached docs ). Capital One and I got on a conference call wit XXXX rep who confirmed that the flight has indeed been cancelled. 
Capital One, my card issuer, denied my dispute for a refund due without providing a written expalnation of the reason for denial. While on the phone with the reps I have been given the following reasons : - dispute right is not available to me ; - I filed the dispute a day too early ( while submitting the dispute on XX/XX/XXXX Capital One rep assured me it was okay ) ; - I selected incorrect reason for dispute ; - I did not produce sufficient documentation ( that is after submitting 21 pages of proof - see attached file ) I do not feel that I am being treated fairly by this company after years of being their client. 
Capital One is not able to provide a written explanation as far as the reason for denial of dispute.
Consumer complaint received 2021-08-09
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. (FL)

I have attached two accounts that are currently reporting inaccurately to all three of my credit bureaus. I have attached highlighted pictures of the referenced accounts. Per the FCRA any information that is reported must be reported accurately.
Consumer complaint received 2022-07-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

On XX/XX/2022 my wife and I received an escrow disclosure statement from our Mortgage servicing company -- Freedom Mortgage, XXXX, IN. The statement determined that our escrow account had a surplus of {$1000.00}. A check was enclosed to reimburse the funds. The letter then stated that in order to address the escrow imbalance they were going to adjust our payment with an increase of {$12.00} per month to rectify the imbalance going forward. I called the customer service number and had 3 different conversations regarding this payment increase. After going round and round for almost three hours I was connected to the " escalations department '' that handles difficulties with customers at a higher level. The representative was a man named XXXX. He seemed more reasonable and understanding of my issue and stated that he would forward my case back to the escrow department for review and then get back to me the following week. It has been almost 2 months since that conversation and we have yet to hear back from Freedom Mortgage. I have 2 complaints : 1. Increasing my payment even though I had an escrow surplus, and 2. not giving me any option to adjust the escrow in order to keep my payment the same. I have encountered this similar problem in the past dealing with escrow imbalances and we were given the opportunity to make adjustments to keep the payment the same. Being senior citizens on fixed incomes we resent being bulldozed by a loan servicing company that manipulates borrowers with slippery slope payment increases. Please investigate this matter.
Consumer complaint received 2023-07-25
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. (FL)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
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 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (AL)

My checking account was closed when I filed a dispute after my card was stolen and {$2800.00} came up missing. I had to fight to get MoneyLion to investigate and reimburse the {$2800.00} and when they did they close my account and issued a check XX/XX/XXXX that stated it was valid for 180 days. When I went to go and deposit that check into a financial institution they informed me the check was no good and that money lien said that they would not be issuing the funds so basically they wrote me a bad check and are not giving back my money in a timely manner. How is it that a bank issues a bad check? I need to get my money back to me and they need to add {$40.00} on for a return check fee
Consumer complaint received 2018-12-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Mortgage fraud and unfair business practice against Select Portfolio. On XX/XX/XXXX, Select Portfolio sent a letter stating to contact them for Mortgage Assistance and resolution. I contacted Select Portfolio and they stated there's no options available and that the Mortgage issue has been referred to an Attorney for Foreclosure. 

Select Portfolio and XXXX XXXX  has committed Mortgage Fraud. XXXX is still the Lender of my Mortgage loan. Select Portfolio stated they are not the decisoin makers, XXXX XXXX  is the decision maker. This method is very unfair and XXXX is not in compliance in allowing me the opportunity to address my mortgage balance of {$84000.00}. XXXX sold my mortgage as a bond to Select Portfolio for {$240000.00}. My issue is XXXX is doing the same mortgage fraud they were fined by the US Government. XXXX is shielding all responsibility of my mortgage issues through Select Portfolio. 

Please add my name to both the two Class Actions suits against XXXX and Select Portfolio. Select Portfolio refuses to resolve this issue. It is time for the Consumer Financial Protection Bureau to fine both of these Mortgage Companies. XXXX was given the Bail out money to assist me in the HARP but has failed to do this. I was given a 36 months fixed 1 percent for Military Assistance program since XX/XX/XXXX through XX/XX/XXXX. XXXX and Select Portfolio is not taking responsiblities for their wrong doing. 

The Georgia State Attorney General advise me to submit a Mortgage fraud suit and to hire an attorney to sue both companies. 

Select Portfolio told me tonight they are not willing to assist me in this matter
Consumer complaint received 2022-06-09
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.