davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (NY)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

My bank, Regions, has a way of classifying some transactions as pending. They stay in that status for various lengths of time based on some factor not known to me. My issue is that if my projected balance resulting from pending transactions reaches negative, Regions charges me a service fee, EVEN IF I make a deposit to cover the negative balance BEFORE the transaction that takes me negative is moved to non-pending status. 
The result is overdraft charges in my statement that appear without my balance ever going negative. 
This strikes me as Regions " having it XXXX ways. '' The way I see it, if I take care of a " pending '' negative balance before it is no longer pending, I should n't be charged.
Consumer complaint received 2016-09-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

I informed Central Financial Control & provided Police report, this debt is not mine and collection activities should seize, despite their response that they would seize collection activities, they are still attempting to get me to pay this debt which is do not owe. 

the threats they made are a violation of FTC rules and continued efforts to collect on this debt is a crime, it is not owed by me and they failed to provide me proof or identity presented on day of
Consumer complaint received 2015-08-24
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HOVG, LLC (CA)

This was originally a debt from " XXXX XXXX XXXX '' whom would not give me a Itemized bill. Part of the bill was itemized but at the bottom was a charge for " other charges '' I asked them many times for a itemized bill, when they would not sent one I told them I would not pay anymore. The debt was sold to " Bay Area Credit Services '' whom contacted me repeatedly with offers to settle the debt for a lesser amount. I explained that I would pay the bill when I received a itemized bill. They sent me a new bill which was not itemized either, in fact it was less itemized then the original. I again explained that I would pay when I received a proper bill. To this day I have yet to receive one. The debt was reported to the Credit Agency 's and now I have a negative report on my credit. I do not believe this is a fair business practice and NO ONE should have to pay charges that are not given. " other charges '' tells me nothing. Nor do I think they should be able to impact my credit standings, It is just not right! I still have all the correspondence and bills regarding this matter.
Consumer complaint received 2015-08-25
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (WA)

Security Credit Services contacted me about an old debt. The debt amount was for {$2300.00} and I agreed to set up payments of {$100.00} a month. I asked for statements in the mail for verification and also I wanted the paper trail. I never received a statement in the mail and when I looked up my credit report it showed the debt amount as {$7900.00}. I have tried to contact them by phone to no avail. I have stopped my payments on this debt as I think I am being scammed. My credit report now shows that I am missing payments to the debt to which I want removed so I can figure out what is going on here without it reflecting negatively on my credit report.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation (CA)

FORECLOSURE FRAUD against our HOME!!! PLEASE HELP!!! 
... .QUALITY Loan Service Corp XXXX the subject of CFPB Case File # XXXX - complaint against FORGED Foreclosure Instruments that led to the recordation of Notice of Default on XX/XX/2015 ... with a DEFAULTED Debt Validation Request dated XX/XX/2015 respecting the alleged debt on the Notice of DEFAULT.. 
NOW RECORDS a TRUSTEE SALE on XX/XX/2015.. -- -FORGED INSTRUMENTS, and ALLEGED DEBT that they FAILED to Validate pursuant to Federal and State Statutes. 
Snapshot of unlawfully recorded Notice of Trustee Sale, that is hinged upon a Notice of Default without legal or factual foundation : Document # XXXX XXXX/XXXX/2015 XXXX NOTICE TRUSTEE SALE XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2015 XXXX NOTICE OF DEFAULT XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX )
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

1. county taxes went up. 
2. insurance went up. 

escrowed mortgage payments went DOWN (??? ), and since I 've dealt with ocwen they have yet to actually service my mortgage, I service my mortgage through ocwen who tries to steal my home by hook or by crook. 

PLEASE SHUT OCWEN DOWN. 

I 've submitted an escrow analysis, but without help from CFPD & the states attorney general, I 'm dead in the water. ( meaning I have n't the 40+ hours in a month for XXXX XXXX XXXX & the fear of losing my house & incompetent service representatives. )
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
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 2015-08-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

" To receive the {$300.00} bonus, you must open a new Bank of America Core Checking account and set up and receive XXXX Qualifying Direct Deposits of {$2000.00} or more each to your new personal checking account within 90 days from account opening. " I received the ad in mail from Bank of America. Because of the attractive bonus, I opened a new checking account and then transfer my salary to it. 3 months later, I did not get any bonus as they committed at beginning. I called their customer service hotline, contacted the teller who set up the new account and resubmitted the relating documents to one of BOA branches. Nobody can tell me exactly what 's the " qualified deposit '' is. My company paid me every two weeks, the bi-weekly income is less than {$2000.00}, but the " qualified deposit '' they required is monthly income .... I believe it 's a big trap for consumers. I wasted too much time to call their customer service, and they kept transfer my call to another person, and they asked the same questions about your account information, your name, birthday, social security number, when you tried to get the solution, they said they are going to transfer you to the right department, and you never know where is the right department. 
Bank of America is a lier! I wo n't trust them any more. Do n't trust their promotions, they are professional liers who are ready to trap you all the time.
Consumer complaint received 2015-08-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Weltman, Weinberg & Reis Co., L.P.A. (CA)

received a letter from weltman, Weinberg and reis co, lpa saying they are collecting a debt of XXXX dollars for a company called California check cashing. I have never used this type of business and I have no outstanding collections. I have good credit and pay 100 % of the time. I think this is a scam and I do n't know if I should throw the letter away or not.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 2015-08-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

In XXXX of 2014 I lost my job working with XXXX XXXX under no fault of my own. I contacted Wells Fargo about the loss of my job and that I was having difficulty paying on my home. After I was approved for unemployment, I inquired for a short sale with Wells Fargo, Which I was then approved for. It appeared that everything was normal with the progress of the short sale. I found a real estate agent to represent me throughout this process and I was in regular contact with Wells Fargo. During the XXXX approximately XXXX I was not able to get in contact with the agent servicing the sale with Wells Fargo. I called and called back and left messages and never received a call back from the person servicing the short sale. Around late XXXX early XXXX time frame, I received a call from an appraiser about my property saying he was unable to access the premises. I told him that I live in another state and that I was unaware that anyone was needing to gain access to the property. I myself did not have access to the property being that is was broken into and Wells Fargo had secured the property. So, I told him that the property was boarded up and secure by Wells Fargo and he would have to talk to them to gain access to the property. About a month later I found out that my short sale was dropped because the appraiser could not get access to the property, and Wells Fargo billed me all the way from XXXX to XXXX when the final foreclosure notice came out. They said that I owed them approximately {$10000.00} which I could n't pay. I found a job in XXXX, but it was making less money than what I was making before. Prior to losing my job I had not been late on any payments to Wells Fargo and I owned the property for XXXX years. Wells Fargo, I told them that I was unable to contact the person that was servicing my short sale when I found out the short sale was dropped. They attempted to contact the same guy while I was on the phone. They said that they was going to send an email to him and start to reinitiate the short sale process again, but that never happened and it led to the eventual foreclosure this month in XXXX. I do n't know the exact date, but it has been foreclosed. This foreclosure has basically ruined my credit or the bank has and I could potentially lose the job that I have now because of this foreclosure. I do n't think that I was given a fair shake. I tried to do things in the proper way, but the lender became unresponsive. There was a XXXX of people that tried to work with me toward the end of the foreclosure but it was already too late. During when I was employed I was making approximately {$XXXX} a month. When I became unemployed, unemployment paid {$XXXX}. I could n't afford to pay the mortgage and live at the same time.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (RI)

I noticed an account issued by XXXX. It was a XXXX dollar credit card. I have never done business with, applied for, or recieved a card from this bank. I contacted their customer service number. There representatives barely speak english at all. They say i would recieve papers for a dispute this was over a month ago. This is a hard negative to my credit score and all attempts to communicate with them are unsuccessful. I also had a fraud alert on all XXXX bureaus for the last 1 year, being refreshed every 90 days. Credit One did not have a phone number for the account fraudulently opened. I also never spoke with anyone from this bank via phone at anytime, until i called them regarding a fraud account. Such a fraud alert that they should have contacted me before opening and was never done
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (GA)

American Express cancelled my cards after falling behind XXXX days on one of them - My Business Rewards Gold Card. I consider my business my business and not my personal account. On XXXX XXXX, 2015 AMEX issued a letter stating my account had not been closed and provided me a reservation number to pay my account by XXXX/XXXX/15 to prevent further action. I called AMEX on XX/XX/XXXX, spoke with XXXX in Account Services, and was advised I could make the payment on XXXX/XXXX/15 as indicated in the letter. I arranged to debit my bank account on XXXX/XXXX/15 for the balance due in full of {$2200.00}. During this conversation, I was transferred to Membership Rewards and then was advised my account was already closed ( XXXX/XXXX/15 ). I asked regarding my membership rewards points and was advised my account would be reviewed for reinstatement. I have been seeking credit for over XXXX rewards points since XXXX, 2015 and have been unsuccessful ( see attached error message ). I found that AMEX later cancelled my personal card ( XXXX ) as of XXXX/XXXX/15 but failed to advise me. I spoke with AMEX on XXXX/XXXX/15 to confirm the payment was credited and the XXXX XXXX account was in good standing ( with XXXX XXXX ). This payment was confirmed by my bank and the reinstatement process was initiated. I later noticed on XXXX/XXXX/15 my personal card ( XXXX ) was being declined. It appears both of my AMEX cards were cancelled by account services. AMEX states I would need to pay a {$25.00} reinstatement fee and that is the only way to get credit or use my membership rewards points. Every conversation with AMEX gives a different story and we continue to disagree. I am looking for my rewards that I earned and should be able to use within XXXX days of cancellation. I hope you can find this complaint in line with others and take the necessary action to see that others do not experience this. Today I have been transferred over XXXX times, talked over and I am told my cards were closed due to " holistic '' reasons. What is that suppose to mean? I reached out to the executive offices and spoke with XXXX XXXX and his explanation was this is a holistic approach to account management. I am seeking that my accounts remain closed per my request, and any negative reporting be removed from my credit bureau reports, a letter of credit reference be issued to me for each account, my rewards points be honored and reinstated at no charge to me. If the can not honor the rewards points without reinstatement, I am unwilling to pay the {$25.00} fee per card. I have paid all late fees in full and never been late on my personal AMEX ( XXXX ) account. I would estimate the XXXX MR points to be at around $ XXXX-XXXX in value noted below. Please contact me if you have any questions. Thank you, XXXX XXXX
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (GA)

There is NO way to contact the XXXX @ Experian to point out the error of their ways bytelephone! They have refused to Freeze my credit! I sent all three credit reporting agencies ( Certified/Return Receipt Requested ) all the documentation they requested for Identification AND copies of the Incident Report that the local police agency kindly provided when I had my driver 's license Lost / Misplaced / Stolen. 
Experian want me to resubmit ALL the exact same XXXX they 've already signed forAGAIN [ at My expense ]. 
XXXX and XXXX have already FROZEN my accounts and provided me with aFREE PIN number to UNFREEZE and REFREEZE my reports in perpetuity. 
FREE, FREE, FREE! 
Which is the whole point of going through MAILING the info to the Idiots. 
PAYING them to mismanage the " Credit Reporting '' Industry is Just Like XXXX ADDICTS!!!
Consumer complaint received 2015-08-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MA)

I lost my job XXXX XXXX. I called today XXXX XXXX to seek options. I was told I exhausted all options and had no choice but to pay. I can not. I collect unemployment. 

I would like to pay my loans and will as soon as I am employed again. Please help me negotiate with Navient as they do not with consumers directly. I was made to feel as though I were a " Low-life '' for asking for help. The representative was argumentative and completely unhelpful. Please help me. My next payment is due XXXX XXXX.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The issue is causing me XXXXXXXX XXXX XXXX XXXX, to the point where I'm having trouble sleeping.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc. (GA)

Dear Revolut Customer Support, I am writing to formally raise a complaint regarding multiple unresolved issues with my Revolut account associated with the email address [ XXXX XXXXXXXX  ]. These issues have caused significant inconvenience and concern regarding the security of my personal and financial data. The specific issues are as follows : 1. Loss of Access to Account : I lost access to my account and have been unable to regain it, despite multiple attempts to resolve the issue through your customer support team. 
2. Failure to Receive Replacement Card : After requesting a replacement card, I never received it, which has left me unable to access my funds or utilize your services. 
3. Misrepresentation of Services : I believe Revolut has misrepresented its services, as I have not received the level of support and timely issue resolution that was promised. 
4. Unauthorized Transactions : My account has experienced unauthorized transactions, which I reported. However, no action has been taken to address these transactions or secure my account. 

In addition to resolving these issues, I am seeking reimbursement for the following : Reimbursement of {$16.00} for the XXXX XXXX Subscription, which I was charged but could not utilize due to the account issues. 
Reimbursement of my last known account balance, as I have been unable to access or retrieve these funds due to the loss of account access. 

Despite contacting customer support on several occasions, these concerns remain unresolved. I kindly request that these issues, including the reimbursement, be addressed within 14 days of this letter. Should I not receive a satisfactory response, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities.
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (WA)

I have a debt that started at {$8800.00} 14 months ago. I am not late on payments as far as I know and have paid {$300.00} per mo. every month, for a total of {$4200.00}. They still have the balance at over {$5600.00}. They ca n't seem to give me any straight answers as to where the money is being applied, or a fee structure that would account for the missing money. Can you help?