davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (GA)

I got an offer in the mail from Regions Bank offering a {$400.00} bonus within 90 days for opening a checking a count by the 3 steps on the mailer ( see photo ). 

I followed each step, opening the checking account with {$1500.00} on XX/XX/2022, complied with every detail written, and they did not award this {$400.00} bonus. I believe this is false advertising. 

I went to my local Regions Bank 3 times for resolution, the first time with XXXX who filled ticket number XXXX, the second time with XXXX XXXX, and the last time today XX/XX/2022 with branch manager XXXX XXXX who gave me complaint number XXXX. 

Regions Bank has a scam going here. I think the public should know.
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX without 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 Bum. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-08-19
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. (IL)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Earlier this year I opened a complaint against USAA with the CFPB. Complaint number XXXX. I was notified by email on the XXXX of XX/XX/2022 that i would be contacted by XXXX XXXX XXXX regarding the resolution by USAA. On the XXXX XXXX XXXX called me approximately XXXX or XXXX minutes after XXXX central time. I was informed that I would be receiving a reimbursement for the fraudulently endorsed and deposited checks, totaling {$2200.00}, and that it would post to my savings account within XXXX business days. I called XXXX XXXX and USAA again the XXXX of XXXX recieving conflicting information from the bank 's representatives. Some said that i was getting nothing and to forget matter. Others when shown the answer from USAA to the CFPB stating that they were going to reimburse me as i had obviously never seen nor signed nor had anything to do with the checks that were stolen and fraudulently endorsed and deposited by my estranged wife and her family. I am now being told by USAA that I am not going to be receiving any money for the fraudulent check endorsements and deposits. Despite them telling me and the CFPB they are making me whole they are infact trying to make themselves look good and then reversing their decision in the most dishonorable and dishonest way imaginable. They are already 5 days past due with the deposit i was notified would be no later than the XXXX. As a result of their failure to keep their word i have been rendered homeless and my phone is cut off. I have expended an additional $ XXXX in moving and lodging expenses because of their shameful and dishonest actions involving my reimbursement. I wish them to make good on their stated intention to reimburse me the {$2200.00} as well as the other moneies expended by me resultant to their failure to keep their word.
Consumer complaint received 2022-11-21
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. (CA)

Hard inquiries are not authorized per ; 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate. 

Please remove hard inquiries listed below : 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 2022-07-10
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. ()

In accordance with the Fair Credit Reporting act XXXX  Account 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 2022-02-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP (OH)

I received a check from XXXX XXXX which handles my 401K. I went to US Bank located at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX XXXX ) on XX/XX/XXXX to cash it in the amount of ( {$3400.00} ) since the check is drawn off of US Bank. The teller ( XXXX XXXX ) who is a Client Relationship Consultant IV ( XXXX XXXX ) took one look at my check advised me they could not cash a check for a non customer over the amount of {$1500.00}. She told me I would need to go to my own bank, but handed me her card so my bank could verify the funds. She never looked up the account information on my check to verify the funds herself. She never looked to make sure the check was in sequence for the company. It's like she automatically assumed the check might be fraudulent and denied me service. Once I left I called another US Bank location to ask them if there was a limit for a non customer cashing a check and they told me no, as long as the money is available in their till they could do it. I called XXXX back and confronted her with this information, she told me each branch has their own policy and the branch managers policy for their location was a {$1500.00} max for a non customer to cash a check. I asked her was there a way I could verify that information, was it on the website or on a sign at the bank. She told me no when she started working at this location the branch manager just told her that's the policy. I advised her I wanted the number for the Office of the President she placed me on hold for 15 minutes and came back on and ask me what location I cashed my check at, I told her I just deposited at my own bank. She then asked what branch I spoke with regarding the limit for a non customer. I told her, she then proceeded to tell them, they should have not provided that information it goes against branch policy, which her manager advised her of. She asked for my name and number so her manager can call me back tomorrow ( XX/XX/XXXX ). XXXX never provided me with the number for the Office of the President like I asked for previously. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or just the way I look for her not to cash my check.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I would like to see if you can accept additional documentation on my original claim. I called earlier and XXXX said I could not since it had already been sent to the company. I have a copy of a check sent to me by Bitcoin for $ XXXX that I was supposed to send to a bank in California for safekeeping from the hackers. I did that, then I started getting suspicious when they asked for another {$90000.00}. I emailed Bitcoin and asked for a copy of the font and back of the check with no response ever. 

I have also made 2 police reports that I made, 1 with the intake policeman at the police station, then it was turned over to the fraud department. They didn't deal with it at all. 

I contacted the FDIC and was referred to you. Please inform me of anything I can send in addition to what I have already sent in that would help to determine my case. 

I am XXXX XXXX XXXX next month and do not deal much on the computer and know what is expected in correspondence of this magnitude. This money was withdrawn from my retirement account as part of my daughter 's inheritance and she is very ill at the moment so I wanted to give it toher early. 

I can send you copies of the check and the police department. The hackers told me I couldn't go to the Bank to discuss this because they thought it was an inside job. That made sense to me because I never have that kind of money in my checking account.. I would like for the CFPB to wait until the decision has been made because I was told by the police not to communicate with Bitcoin or the hackers again after that. I don't want the hackers to be aware that I am delving deeper into this. I am old and not in great helalth, worked hard for my retirement. Please help I can fax the info to you or email it.
Consumer complaint received 2022-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

I recently opened a Checking Account with Discover bank, and it was working fine for the past few weeks, but when I logged into the mobile app today, it said that my account was locked and I would need to contact their customer support to have a resolution. I have been trying to call them every day for the past 3 days, but they have been saying there is a 3+ hour wait time. I tried waiting the 3 hours on 7 different occasions, and every single time the system automatically ended the call with no response on the other side. I have no choice but to file a complaint with the FDIC. I have all my money in that checking account, and Discover has disabled all access to that account & there is no support available to respond to lifting the freeze. I checked online, and MANY other customers are also experiencing this similar type of issue. No callback, no response from them. Please advise on how I will be able to recover my money from this dreadful institution, and go about banking with a different institution. Thank you.
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (AL)

In late XX/XX/XXXX, I received alert about several hard inquiries on my credit report. I called all companies on my report at that time to report fraud and those hard inquiries have since been removed. Most of the accounts failed approval because they could not complete proper documents to get approval. 

Two days ago XX/XX/XXXX, I noticed a significant drop on my credit score provided with my credit card statement. It turns out this was secondary to a delinquent account with XXXX XXXX that was sent to collected via CREDIT SYSTEMS. Apparently an account USING MY SOCIAL was opened XX/XX/XXXX and closed in XXXX of XXXX. There is not a balance of {$360.00} unpaid. This was done in XXXX. TX, where I have never lived and where I have no family/associates. 

While looking at my experian credit report, I also noticed 4 hard inquires for which I am not responsible. One was with XXXX, one with XXXX  XXXX, one with XXXX and one with XXXX. I did not apply for any of these accounts.
Consumer complaint received 2022-11-21
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)

there is a lot of personal information on my report that is not mine. I'm including a copy of the ID Theft Report I filed, My Driver 's license & utility bill as proof of ID & residence. I want any item that does not pertain to me to be removed.
Consumer complaint received 2022-08-22
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: CITIBANK, N.A. (MN)

I ended up losing my card about two weeks ago and Citi gave me a virtual number to use while I waited for my card. 

Made purchase and the scam company then locked my account. 

Date : XX/XX/XXXX Price : {$610.00} I called and they didn't really understand XXXX process of replacement card number, original acount ( that was lost ), and XXXX Virtual number. 

I used the Viritual number then later I merchant locked me out of my account. They don't help on the phone either,
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have owned the home at XXXX XXXX XXXX in XXXX XXXX since XXXX. The home was completely destroyed in the XXXX fire in XXXX XXXX XXXX, XX/XX/XXXX. Since losing the home I have been trying to come to an agreement with the mortgage company to avoid foreclosure. 

I do not intend to keep the property and wish to swiftly move to sell the remaining land or transfer the deed back to the mortgage co. 

I have made many attempts by phone, email and regular mail to file financial documents and submit applications for the decision to terminate the loan and we have been completely ignored, or even worse handled by claim and mortgage agents who have no idea what to do in this situation. 

Given the extreme loss of home and property there is no way I can continue to make loan payments on a house that doesnt exist. 

I just need the mortgage company to reply with an educated professional opinion and advice in order to avoid foreclosure. So far, the company has made this simple request impossibly complicated! 

Thanks for your attention,
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

transunion will not remove the XXXX XXXXXXXX XXXX account from my credit report. i explained to them that the account does not belong on my credit report and that it should be blocked. XXXX  XXXX XXXX refused to work with me to get the account off of my report. they told me they sold it to some third party company, which told me they sent it to XXXX  and XXXX law firm. i called XXXX and XXXX and no one answers the phone. i was only able to get them on the phone twice but they refuse to answer anymore of my calls.
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

i having been trying and asking SPS for a loan modification or short sale for sometime in order to avoid a foreclosure on my record, but they have refuse to allow me to do XXXX or the other the property is listed for sale and my realtor is trying to sale the home but unless the lender allows the loss mitigation the property will not sale because the balance to pay off the loan far exceeds the value of the home and SPS is fully aware of this fact, they just want to foreclose on the house, in accordance with the CA homerowners bill of rights i should be able to get some type of assistance in order to avoid foreclosure.
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding received an AFFIDAVIT OF TRUTH on XXXX XXXX informing this company of the fraud and deception used when they collected on an alleged debt. 
When they attempted to collect on this alleged debt, Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. coerced me into paying this alleged debt . Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. purchased these alleged debt while invading and infringing upon my privacy. You obtained information that should have never been disclosed in fact, I never signed a legal binding contract to pursue business with Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. Again, please forgive me for my ignorance of the law ; however, consumer is requesting in fact the bill of sale between Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management , Inc. and XXXXXXXX XXXX Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. will provide in fact the forward flow agreement and aggregated value of purchase between Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management , Inc. and XXXXXXXX XXXX