davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/2019, was the first email receive to confirm email at Regions Bank from XXXX XXXX XXXX  XXXX Originator NMLS # XXXX. 
On XX/XX/2019 I requested a letter of pre-approval from the lender at Regional Bank in order to start looking for a home. 
On XXXX the XXXX 2019, We Receive a letter of pre-approval stating that it was for a conventional load. ( attach letter ) On XX/XX/2019, we were under contract with XXXX XXXX XXXX as your Title Insurance providing us with quality title and escrow services.Effective Date : XX/XX/2019 Survey Due : within 10 days - Expires XX/XX/2019 Option Period Runs : 10 days - Expires XX/XX/2019 @ XXXX XXXX title Commitment Due : within 20 days - Expires XX/XX/2019 Financing Addendum Runs:15 days Expires XX/XX/2019 Closing Date : XX/XX/2019 ( attach paper receipted ) XX/XX/2019, Title Commitment to Buyer ( attach receipted ) XX/XX/2019 email send about Regions Portal to access load application. 
XX/XX/2019 email was send to Lender about the status of the loan. as well the appraisal for the listing agent. 
XX/XX/2019 Loan Application ( Signed Documents Received ) XX/XX/2019 Document for the warranties for home were received. 
XX/XX/2019 email letting us know we need it to change loan programs. 
At this point we felt that the lender XXXX XXXX XXXX Mortgage Production Manager NMLS XXXX, didn't want to help us or give us options of what was happening and why it took this long to change loads, We felt mislead and deceived. 
We talk to the real state agent XXXX XXXX XXXX XXXX XXXX to see what were our options and she recommend to go to a new lender. 
XX/XX/2019 Mr. XXXX send us an email requiring more information to be send to the underwriter. 
XX/XX/2019 we send everything to the regions bank lender to be send to the underwriter. Plus new contact for the earnest money to be release and prepare a new contract on FHA loan terms. 
XX/XX/2019 at XXXX XXXX  via text lender send us a text that our file was withdraw due to us getting a second opinion with another lender. 
XX/XX/XXXX XXXX email was receive stating with a letter of declination that will be mailed via USPS to the addresses of record on the loan application.
Consumer complaint received 2020-05-29
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. (AR)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for XXXX XXXX XXXX asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} XXXX  XXXX {$270.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$43.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Consumer complaint received 2020-05-21
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. (GA)

There are several inaccurate items reporting on my credit report : I was never late on the following accounts : XXXX  XXXX XXXX  - Open date XX/XX/XXXX XXXX XXXX XXXX  - Open date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX The following account is not mine : XXXX - Reporting XX/XX/XXXX Address : XXXX XXXX XXXX  ( XXXX & Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Unauthorized Inquiries : XXXX ( 2 TIMES ) XXXX XXXX ( 4 TIMES ) XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-29
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. (AR)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I OLLECTIONS XXXX asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} XXXX  XXXX {$270.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX {$100.00} COLLECTIONS XXXX {$43.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Consumer complaint received 2020-05-29
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. (NC)

Mortgage account was mistakenly reported in XXXX of 2019 on my equifax credit reporting resulting in the removal of the tradeline. Have contacted XXXX  and equifax to have this account verified as accurate. Several complaints and Months later, XXXX  states it's been reported to the credit bureau while equifax is stating it has not been reported. Below are both letters to indicate someone isn't being truthful or accurate in they're statements. This missing information on my credit report is resulting in a loss of credit score by 21 points, damaging my credit worthiness.
Consumer complaint received 2018-12-18
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: DISCOVER BANK (FL)

I met a woman by the name of XXXX XXXX. She told me she lived in Texas. She made an agreement with me that If I purchased for her XXXX gift cards for her disabled beneficiaries, she would pay off the balance of the XXXX cards as well as my credit card debt I had with discover. She made three payments on my discover account using a XXXX bank account and a XXXX bank account. All three payments were ACCEPTED AND POSTED to my account therefore leaving me under the impression that this was a legitimate agreement and not any sort of scam or fraudulent activity. I also contacted discover and spoke with a representative and he informed me that the first payment she made of XXXX was accepted. I come to find I wake up one morning to see all three payments she made on my account were returned as well as returned check charges because the accounts were closed in which she used to make these payments with. I informed XXXX XXXX of the situation and she agreed she would fly down to XXXX and meet with me to provide me with the money in cash to compensate for the situation and the payments not being accepted by her banks. On the day of, she blocked me and I have no way of communicating with her. Her phone number is : XXXX XXXX XXXX XXXX. I also have photos of her that she provided me with that are attached. Also, I contacted XXXX support and they informed me that these XXXX cards purchases are fraudulent and I should not be held responsible because they were used for fraudulent purposes. However, discover is not cooperating.The black woman in the photos is XXXX XXXX.
Consumer complaint received 2018-12-16
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. (GA)

An address appeared on all 3 of my credit reports ( XXXX, Equifax, XXXX ), but I have never lived at that address.

Then, all 3 reports show that there is a collection on me from XXXX XXXX XXXX XXXX. This collection company was sent by XXXX XXXX for an account opened in XX/XX/2018. I never opened a XXXX account. Also, the address I never lived at is connected to the XXXX account. 

This is damaging to my credit score. I believe this is fraud, and I have attempted to follow each credit report company 's dispute process, however, I am unable to confirm that the dispute went through.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Resurgent Capital Services L.P. (OH)

My debt is with XXXX and my XXXX credit card was closed before it went to XXXX XXXX. So I get a letter from Sherman Originator lll, LLC XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, I thought I just settled this, I have no money no job and I'm not receiving any government help like snap or food   stamps. I be been laid off and never return to a job for 17 years. My future of money or income is of no guarantee. Any assistance I do receive will be to pay for food and shelter. Again I have no assets. There's too many people trying to sue me one person for money I will never ever ever get a credit card again.
Consumer complaint received 2022-05-16
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. (GA)

N accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Account 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 instruction.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Citi Bank blocked my Citi XXXX XXXX on the first day of use, citing fraud prevention. I called them to ask them to lift the block. But they said they could not verify my identity using my cell phone, because my cell phone was not registered under my name. They said they would send me a physical letter with a code instead. I waited for weeks for the verification letter, but it never came. After a couple of weeks, I called them again to ask them to send another one, and the new one also never came. 

It has been almost XXXX months now, and I have not been able to use my credit card ( and can not meet the spending requirement during the first XXXX months to qualify for the sign-up bonus ). So I asked them to cancel my card and refund the annual fee. They refused to do so, saying that I would have to go through the verification process in order to be able to cancel the card. 

Citi Bank leaves me no option at all. My card is blocked with no practical way to lift it, and I can not even have the card cancelled.
Consumer complaint received 2018-10-02
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. (NC)

I NOTICED THAT XXXX XXXX  PUT A CHARGE OFF ACCOUNT ON MY CREDIT DUE TO A BALANCE THAT I DONT OWE. I CONTACTED THE XXXX XXXX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER HAD A CAR WITH THEM BEFORE THEY QUICKLY APOLOGIZED AFTER I WAS ABLE TO SHOW MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THE XXXX XXXX SAID THEY DIDNT CARE THAT I DIDNT HAVE A CAR WITH THEM & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER HAD AUTO LOAN. I ALSO WANT ALL OF MY POINTS BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE THE LOAN WAS GENERATED. Equifax has the police report and refused to remove it.
Consumer complaint received 2018-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

Hello! I am still struggling with XXXX  XXXX. this is in reference to an earlier case as well. XXXX  XXXX  XXXX  struggles to accurately track payments towards PLSF and upon certifying payments frequently changes they payments to count towards PLSF.

At one point, they did send me a letter stating they would credit me 23 payments ( great! ) based on earlier struggles and the difficulties I had  experienced, but this has not happened. I have a copy of the letter. Though on 10 year standard repayment, no payments since XXXX have been added to my account. documentation available. At the time of selecting the 10 year standard plan in XX/XX/XXXX, I was told it would count towards PLSF without the fluctuating payments and need to re-certify each year. I selected this payment as it would eliminate the 1-2 month delay in payments each year while they calculated my payment options, and the small difference in payments on XXXX did not warrant the delay. This option was available as a option to choose on the web site at that time, though it no longer can be found ( and no one notified me if this is true ). When you re-certify each year, they is a delay in payments and I wished to finish paying my loans as quickly as possible. Additionally, in XX/XX/XXXX, I had 85 payments ( I have documentation ). Yet in XXXX I had 75 ( documation available ) I currently have 76 payments, in spite of making 11 payments that were not counted and the indication 23 payments would be added to my account by XXXX towards PLSF. I believe I should have 119 payments. XXXX believes I have 76 payments, and need to make 44 more, and MAYBE could then apply to PLSF ; though one advised this would ONLY count if I now switched to a different payment plan such as REPAYE, but this MIGHT not count as all the payments would not be REPAYE. 

I am extremely frustrated as I am genuinely attempting to make 120 on time payments within a predictable payment plan- and seem to move either backwards or hold still. though maybe this is the intent : for me to make payments forever.
Consumer complaint received 2020-05-29
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. (LA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. XXXX {$1200.00} XXXX {$590.00} XXXX {$2400.00} XXXX {$520.00} XXXX {$130.00} XXXX {$130.00} XXXX {$490.00} USDEPEDXXXX {$7400.00} XXXX USDEPEDXXXX {$2100.00} XXXX {$60.00} USDEPEDXXXX {$9500.00} XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX {$18000.00}
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CA)

I received a call from this company in late XXXX or early XXXX. I asked them to send me proof of this debt because I was in dispute of the amount they are attempting to collect. Per the rep Im being charged for equipment that has not been returned when I indeed sent the equipment back over 3 years ago. Yesterday on XXXX  I received an alert from the credit bureau that this new debt has been added when I disputed the amount from with the first contact from this company. I have received nothing from this company besides an initial phone call. I called them on XXXX  and spoke to a rep and she acknowledge that there was no verification sent out and she also informed me that there company is not responsible for credit report reporting.
Consumer complaint received 2021-08-28
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: DISCOVER BANK (IL)

I have a DISCOVER ( xxxxxxxxxxxx XXXX ) account reporting on my credit report that is a fraudulent account and is not mine. After sending correspondence letters to discover asking them to verify the accounts i received a letter of deletion from in XX/XX/2020 not knowing that they had created new account numbers and reinserted this account on my credit report they have done this several times now after not being able to verify this account please review my credit reports to see this information i also filled a FTC report and sent it to them which they refuse to acknowledge. Also they have different account balances owed on my credit reports please remove these account with inaccurate information and review the reports for this incorrect information. This account is reporting as negative and is stopping me from getting a mortgage
Consumer complaint received 2020-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (TX)

Loan Maturity date XX/XX/2020. Balance as of this day {$9900.00}. After 4 payments that equal XXXX X 4 = XXXX and {$600.00} in late fees on XX/XX/2020 the balance will be {$7900.00}. I am confused as to why the balance will remain at maturity. We did defer 6 payments and this would explain XXXX but we did not understand that the maturity of the loan remained the same and this amount would be due at maturity. Also we tried to use GAP 2 years ago after a hail storm damaged this vehicle and we were told any payment made late was not covered by the GAP insurance. They still deducted the GAP insurance fee that month but stated that month was not covered. This made it impossible to use the GAP if the late payments would not be applied to help pay off the vehicle so GAP was null and void. I would think a refund of the GAP insurance would be deducted from this balance. What will happen if we can not pay the remaining balance at maturity date?
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

XXXX XXXX company does not offer auto pay / auto debit to be able to ensure your account is paid on time. They did offer the ability to schedule up to 3 future payments. I set up scheduled payments for three months at a time because it is the only way I can ensure that it is paid ontime and not have to go online each month to make a payment ( very very inconvenient ). I had schedule payments through XXXX of 2020, but received calls from this company today stating that I was late. I went online to check my account and there are no scheduled payments pending. I was charged a late fee. I made my past due payment which they convienently combined with my XX/XX/XXXX payment. I was forced to pay XXXX and XXXX together. I then tried to schedule payments for the next 3 months and the ability is now gone. I called the company to try and find out what happened. They told me that they do not offer the ability to schedule payments any longer. I asked what happened to the payments that I had scheduled through XX/XX/2020 and she did not have an answer. I feel like this company is setting consumers up for failure in order to take advantage of our current nations crisis. I am one of the people who would like to make sure that my account is paid on time and they offer a very slim window to do that. I believe they are praying on consumers to be able to have them default on payments to increase their APR 's and charge them late fees to make more money. I have many credit cards for both personal and business along with other store cards and ALL of them offer auto pay. XXXX XXXX is the ONLY card that does not offer auto pay or scheduled payments. Why would a company take away payment options and only provide you with the bare minimum options during a Pandemic?  My guess to charge late fees and boost APR 's to take advantage of people to make more money.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by XXXX XXXX XXXX. 

This delinquent account record is inaccurate because there was an error through the payment system for XXXX XXXX, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, Experian, and XXXX  that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023 I sent a letter requesting my name on my report should reflect my Birth name as stated on my drivers license and social security card including my suffix because I have problems with my profile getting mixed up with others who share a name similar to mine. They updated to only reflect also known as.
Consumer complaint received 2022-05-14
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. (CA)

Do your follow up on resolved issues. Like me, you can file a complaint with CFPB, have the company comply and remove an item off your credit report as a result, and then one year later, file an unrelated address dispute with Equifax- only have the item added back to your credit report as " unrelated item '' when attempting to correct a home address.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I am disgusted with Chase Bank. My wife and I received an insurance check for {$5000.00}. She signed it over to me exactly as Chase requires. Several days after depositing, Chase closes out my account and after several calls I am told Chase will send the balance of my account to me in the form of a check, {$4500.00} remained in the account. 2 months later I still have not received my check and upon calling I am told my wife must come in to confirm she signed over the check. My wife went to XXXX separate Chase branches and both were no help. I am disgusted with Chase and will NEVER do any kind of business with them. At this point I feel that have stolen our money.