davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Other fee — 
Company: REGIONS FINANCIAL CORPORATION (GA)

Here are the key facts : I opened a credit card ( Regions Bank DBA XXXX ) in college at XXXX University ( XXXX - XXXX ). Date account was opened XXXX/XXXX/XXXX. 
I paid as agreed until the card expired I left college, got married, changed to my married name, and pursued joint credit products to support new our new lifestyle The original account went dormant ( address was still maiden name and student address at XXXX Univ. ) Regions Bank ( DBA XXXX ) applied an account service charge in XXXX, but consumer was not made aware. 
Regions Bank should have known that account was dormant because no subsequent card was activated since late XX/XX/XXXX. 
Regions Bank reported card past due 180 days. 
Customer discovered mistake in XXXX XXXX during mortgage refinance attempt ; fees skyrocketed when applied jointly. 
Customer notified Regions Bank - account was closed ; customer service representative pledged to correct credit history. 
Customer had to remove name from mortgage application to get fees back down ( fortunately husband 's credit score is XXXX - based on all jointly held accounts since XXXX ). I was not able to get a mortgage loan to refinance my existing loan at prevailing rates. The only way to move forward with the transaction was for my husband to refinance the loan in his name only. This makes no sense because in 17 years ( since XXXX ), every one of our credit projects have been held jointly by both of us. He has an XXXX credit score, and mine has been marred by this erroneous information that the lender ( Regions Financial ) refuses to correct. 
Customer reviewed credit in XXXX ( XXXX ), and discovered adverse data had not been corrected. 
Regions must have applied the service charge in XXXX XXXX because my account went 30 days past due in XXXX XXXX. 
Customer contacted Regions Bank - customer service representative said " nothing could be done. '' Customer sent letter to Regions in XXXX XXXX. 
The bottom line is that I feel like I have been a victim of an institutionalized credit system. I have paid all bills presented to me. And I have paid all debts incurred by me. I am very upset that my credit history has been so negatively affected by a creditor who applied service charges on a card that I did not receive ; that I did not activate ; and that I did not use for personal benefit. I feel like the credit system has failed me and my family. 

Thank you so much for your help. I read the XXXX XXXX article titled " The agency that 's got your back. '' And it gave me hope that my voice might be heard. ''
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (OH)

I had my payroll check being deposited to the Rush prepaid card which is done every other Friday it has been 7 days since my deposit & I have not been able to get my money off of the card. The company says they had some type of software glitch so it 's happened to thousands of customers however the CEO XXXX XXXX ( very well known XXXX or XXXX ) has taken up all social media outlets saying the problem has been rectified yet I still have no access to my funds. I 've literally called their XXXX number probably XXXX times everyday just to be told that I should be able to get my money within an hour yet each time that has failed. I call the XXXX number again just to be placed on hold for XXXX hours then hung up on. I 've emailed, sent messages via XXXX, XXXX, etc per what they 're telling us to do on the XXXX yet nothing has worked. I work hard for my money & have several severe medical issues which causes me to take medicine that I have n't been able to afford to get. So it 's been a week since I 've had my medication I 'm literally praying that I make it through each day. Please help me!
Consumer complaint received 2015-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

In XXXX 2015 I discovered errors on my Equifax credit report that listed inquiries dated XXXX/XXXX/2015 that were not mine. I contacted the retailers in question and filed the first of XXXX disputes with Equifax. XXXX of the fraudulent inquiries is labeled as XXXX. After multiple written inquiries to XXXX Bank, as well as multiple telephone conversations and promises by XXXX Account XXXX Department, the fraudulent inquiry still remains on my Equiifax credit file. 
Also reference Equifax dispute confirmations # XXXX dated XXXX/XXXX/2015 and # XXXX dated XXXX/XXXX/2015
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IN)

In XX/XX/XXXX I filed Chapter XXXX bankruptcy and did not include my house in the bankruptcy. Ocwen is my mortgage company. I was able to continue making payments towards my mortgage up until XX/XX/XXXX. My last payment accepted by Ocwen was in XX/XX/XXXX. I made a phone call to Ocwen on XX/XX/XXXX at XXXX Central time. During that conversation I was transferred to the bankruptcy department. The purpose of my call was to discuss why I was unable to make a payment in XXXX both over the phone and on the internet. The customer service representative would not allow me to make a payment. He stated that because I had declared bankruptcy my loan was then transferred to the bankruptcy department which is why I was not allowed to make a payment. The CSR stated that Ocwen had not received my reaffirmation agreement from my bankruptcy attorney, advised me to contact my attorney, have my attorney fill out the reaffirmation agreement, and fax it to Ocwen. He stated this had to be done in order for Ocwen to start accepting payments. After much back and forth between my attorney and Ocwen I learned that the information your CSR gave me was incorrect and that I should have been able to make a payment. Due to this I fell behind on my mortgage and then unfortunately lost my job early XXXX of this year. By the time I had all the information from my attorney and Ocwen, Ocwen then would not accept any payments unless the behind balance was paid in full. I was told that since the account was greater than 90 days overdue they could not accept any amount of money except the full amount. This incorrect information created quite a problem for me. When I found out that the information this CSR gave me was incorrect from another Ocwen CSR I was told " I 'm sorry you were told the wrong information but they should have been able to take a payment, you were n't speaking with a bankruptcy team expert. '' How in the world was I supposed to know that when I got transferred to the bankruptcy department that XXXX. I was n't speaking with an expert and XXXX. That the information he was giving me was incorrect and that a payment should have been accepted!!!
Consumer complaint received 2015-06-17
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (IL)

A gentleman by the name of XXXX XXXX is calling me, my wife, my parents, my wife 's parent, and my friends and telling them I have a court judgement against me and that he was sending a law official over to issue a citation for arrest. He calls non-stop and provides this information. I called the courts and they do not have a number that he keeps giving and they do not have any record of him. Please help. I have kept a recording of what he says on my phone. 

XXXX XXXX # XXXX
Consumer complaint received 2015-10-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CHECK INTO CASH INC. (CA)

Yesterday I received a call from XXXX at XXXX stating that my name was part of a complaint filed and I would be getting served. I needed to make available someone willing to sign some documents on my behalf. She said she was with a law firm. 
I called back and spoke to XXXX. She said I was being sued by check into cash for {$220.00}. Docket number XXXX. 
I told her I paid this debt last year/early this year. She stated I needed the letter. I told her to give me some time to pull my bank statements but that I never received the letter. 
I pulled up my records ( written and bank ) and saw where I paid {$100.00} every 2 weeks to XXXX XXXX XXXX. With the final payment of {$110.00} being paid on XXXX XXXX, 2015. I spoke to XXXX about this transaction. The number on my statement is XXXX. 
This morning I tried to call XXXX and no numbers work so obviously, I believe I have been scammed. 
I called XXXX this morning to ask her the name of her firm. She said XXXX Law. I asked if she could tell me the court the summons was filed in. She could not. I asked her who the process server is, she could not tell me. Her ext. Is XXXX. 
She asked for my email and said she would look into it. I gave her an email I do n't use. 
Now, I have to research XXXX and XXXX and hopefully can recoup my monies if I was scammed. 
Please look into both companies.
Consumer complaint received 2017-06-05
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. (TX)

In XX/XX/XXXX    I cosigned on a private student loan from  XXXX   XXXX   (  now  XXXX   XXXX   )  through   XXXX   XXXX   ( now   XXXX   ). It came to my attention when I pulled my credit report in  XXXX  that  XXXX  additional student loans through  XXXX  were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with  XXXX  's fraud department around XX/XX/XXXX , and also filed a police report with the  XX/XX/XXXX  police department in Texas.  <P/> After a brief investigation,  XXXX  's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement thr ough my email of one of the  loans. However, I let the  XXXX  fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email.  XXXX  's fraud department did not take further action to try and resolve my fraud claim.  <P/>  XXXX  Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with  XXXX .  <P/> Please see attached documentation including Police Report and  XXXX  fraud claim submitted.
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (MA)

As of XX/XX/XXXX I have been dealing with the Rush Card issues, as of XX/XX/XXXX I applied for a replacement card to be express deliver that was suppose to come to me on XX/XX/XXXX, which I still do n't have as of XX/XX/XXXX. Keep in mind they charged my account a XXXX fee for express service. Every time I call no one helps me, hang up on me or leave me on hold for hour. I need help
Consumer complaint received 2015-10-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: REGIONS FINANCIAL CORPORATION (AL)

We took out a mortgage loan on our home with Regions Bank. Our home was paid for. We made every payment on time. XX/XX/2014, Our XXXX great-grandchildren came to live with us. After XXXX, we were hurting for money. I saw on line that there was help with problems in a resolution type thing with Regions. I called the number and spoke with XXXX XXXX in the mortgage dept. After explaining the problem, He said he could help. He mailed the paperwork for us to fill out. A payment was due and I asked what to do. He told me NOT to make the payment!! Even saying that might clear up my problem and let me use that money to catch up. He said it should take around 30 days to process the request. When the 30 days were almost up, I called XXXX again to see about the next payment and he said not to pay that it should be resolved soon. He did say it would go against our credit rating, but would be okay once it was settled. Our request was denied by Regions because we made too much from XXXX. The very next week, XXXX called me and asked when were going to catch up the payments and denied telling me not to make them. I have called and spoken to XXXX, to his supervisor and his manager. They say none of the calls were recorded and therefore, I have no proof. I do n't know what to do. I am XXXX and my husband is XXXX, all we have coming in is our XXXX. We have XXXX of our great grandchildren still. We have listed our home for sale and I 've told the bank that 's all I know to do!! We have NO extra money. The bank calls every 2 or 3 days to tell me if I miss one more payment, they will have to foreclose!! We ca n't get a loan or anything now because those two payments missed are on our credit report. 
PLEASE HELP US I do n't know where else to turn.
Consumer complaint received 2016-12-19
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc. (AZ)

Global Receivables Solutions acquired a medical debt I had from a local hospital. Once learning that there was an outstanding debt I told the representative I would take care of it by contacting the original debtor ( XXXX ). He informed me I could n't do that and could only work with his company to resolve the issue. I advised him that I did n't know who he was and if the hospital said I needed to pay Global Receivables Solutions directly then I would do that. I asked that they stop calling me. I have received calls every weekday since and ask them every time to stop calling. They continue to call everyday.
Consumer complaint received 2015-09-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TX)

Hi my name is XXXX XXXX, my husband XXXX and I shared an account we opened in XXXX XXXX. We reside in XXXX XXXX, my mother in law lives in XXXX XXXX. Recently I went to the XXXX branchin XXXX XXXX and made XXXX deposits in the drive thr ough. The teller, XXXX was extremely rude, making a wrong deposit for the in correct amount. She made me wait and I was the first customer. I was trying to help and advise her that she made an improper deposit. Also I was trying to takes care of another business related issue on my phone. Another lady came on the speaker yelling at mesaying, _your on your phone you need to get off '' the call was very important. I then advised her that it was business and that I will report the rude behaviour. The other lady screams ha you think you 're a banker. '' I drove off and continued my call and pulled across the street in the parking lot to write down information. I then called customer service and spoke with someone regarding the tellers. Then a police officer pulls behind me questioning me he then witnessed I was on the line with Regions and told me have a great day. He also said the tellers alleged they were scared. I feel stereotype d marked because of my race, also that was unethical, those tellers knew what and how they treated me was wrong, if you did n't do anything wrong to anyone then there 's nothing to be afraid of. I left a message for the branch manager XXXX XXXX. She never returned my call. I called XXXX and spoke with someone, the lady made contact, then XXXX called me yelling in my ear never affording me the opportunity to speak, hanging up in my face then she forced my account to be closed out of retaliation. She bragged about the people she knew and how she been banking a long time. This woman was rude and I am respectful ly request ing that someone address the matter and respond to me, if not I will call me back, and I would like the decision overturned.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SUNTRUST BANKS, INC. (FL)

I have a XXXX with SunTrust Bank. Their online payment system is very buggy at best and they refuse to even acknowledge that they have a problem. If it was an annoyance that would not be so bad but this is costing their customers a lot of money. The system either sometimes acknowledge an online payment but does n't actually submit it and sometimes refuses an online payment but actually take the payment. On XXXX XXXX, 2017 I attempted to make a payment of {$250.00} online and the system rejected it twice. I call customer Service for help but was told that they could my bank with the routing number. There was nothing wrong with my routing number. I called the next day ( XX/XX/XXXX ) and was able to make the payment and the representative told me that the other attempts were not successful. I talked to a supervisor ( XXXX ) and he confirmed that I was unable to make the payment on line. He insisted that there is nothing wrong with the bank online system. The next day I checked my account on line again and noticed three payments ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ). I called SunTrust and was told by XXXX not to worry as their system shows only 1 payment made over the phone. When I checked my personal checking account however, it showed that SunTrust withdrew {$750.00} ( three times {$250.00} ) from my account. I called SunTrust back and asked to talk to XXXX the supervisor again but was told that he suddenly went on vacation. I talked to two other supervisors, XXXX, XXXX and one manager, XXXX and was told that the best the bank can do is issue a refund but I would have to wait at least ten business days. Now my other bills are in jeopardy of defaulted and SunTrust would not so much acknowledge that they have a problem. I understand that this bad system does n't affect the bank as they are able to collect late fees when their system fails and benefit from people having bad credit scores since they can charge higher rate, but I do n't think they should be allowed to defraud their customer like this. This is morally reprehensible and ultimately will be bad for business.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in violation!

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-06-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX we did a Loan Modification on our XXXX and XXXX Mortgage. XXXX XXXX XXXX was our XXXX Mortgage Company. They agreed to a modified monthly payment of {$100.00}. Sometime in XX/XX/XXXX the XXXX Mortgage was sold to a company XXXX XXXX and we continued our {$100.00} a month payment as agreed. In XX/XX/XXXX or XX/XX/XXXX XXXX change there name to Shellpoint Financial. In XXXX XXXX we were reviewing my Credit Report and found we have late payments reported by Shellpoint. ( It should be noted that during all this time we continue to make our agreed payment of {$100.00} a month ). We contacted Shellpoint and after several calls without getting anywhere and wanting to remove the late payments from my credit report we sent them an extra payment of {$300.00} in XXXX XXXX and extra payment of {$200.00} in XXXX XXXX. This extra payment were made because Shellpoint refused to help us in anyway or explain to us why we had late payments on my credit report. On XXXX XXXX, XXXX I checked my credit report again and found out that there are still several late payments. I contacted XXXX and spoke to XXXX XXXX and she refused to work with me or explain why this happen. I have tried hard to clean up my credit report and I do not feel that is right that they are showing a late payments when we have made our agreed monthly payment since the beginning of the modification. The Following breakdown of payment for the last 12 months of my bank records as follows:XX/XX/XXXX - $ XXXX - $ XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XX/XX/XXXXXX/XX/XXXX - {$100.00} Payment for XX/XX/XXXXXX/XX/XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XX/XX/XXXXBecause of there errors it 'll affect my ability to buy a new home or obtain any credit. Any help you can gave me regarding this matter is greatly appreciated.
Consumer complaint received 2016-12-18
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMCOL Systems, Inc. (OH)

I just found that the debt was fowarded to collections. I have not been notify prior to that. 
It is that wasy to destroy someone credit that way I have a HSA that allows me to pay my medical bills upfront This is just ridiculous
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I became aware of my identity theft some time in XXXX. I saw various accounts opened under my name. I plan on disputing these accounts and sending this report to the three major credit bureaus. I have no association with these accounts or had any knowledge of them being opened until XX/XX/year>. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, XXXX XXXX