davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I am a victim of Regions Bank and their fraudulent NSF Overdraft Protection scandal. I see that they already have been ordered to start refunding customers their money back and they were told to do so regarding a Class Action Lawsuit, I thought I had signed up to be part of this Lawsuit against REGION BAnk of Alabama, I live in XXXX Alabama. I also file against XXXX XXXX for doing the same thing. They hold my transactions of my electronic XXXX direct Deposit monies, and I am thinking, because it shows that my money is in my account, but in online statements it says Pending???? then it shows all of my bill paying transactions as pending. So they proceed to charge me NSF of XXXX dollars times XXXX, for every for every transaction I make, then they release my deposit into my account but take XXXX dollars was last months XXXX check and they are in process of taking XXXX or more even as I am typing this for this month XXXX check they have taken over XXXX out of my account using overdraft protection, and not paying the transaction that I have made. and now have got me in sucha finacial hole that I can not get my XXXX or the rest of my medications and/or pay my rent and I am about to lose my home because I do n't have the money now to pay rent again. XXXX XXXX took over XXXX from me doing the same thing. and I am sitting here scratching my head trying to figure out how they are getting away with this. I met with them and they gave me back like XXXX one time, when I went to the Bank and ask them what was happening so they know they are in the wrong in what they are doing, but XXXX is far from the amount of money they have stolen from me since 2010. I want all of my money back, I want any negative reporting of my credit record of myself and my XXXX child, that they themself connected to my account. MY daughter, a XXXX, just tried to open an account of her own and we found that they refused at another bank to give to her a checking and savings account for bad banking practices and too many NSF and outstanding checks. And she is a minor and has nothing to do with what I do at my bank. they just added her as Student Checking account, when I ask them to only put her as my beneficiary on the account with signing powers in case I die she can get my money. 
My Name is XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX My XXXX child is : XXXX XXXX XXXX XXXX. Please have them return my money immediatly, clear our credit reports, and Pay outstanding DEbit Credit and checking transactions by paying them with my money they took from me. Thank you, My life depends on the Medications that I can not get filled, because they took my money. I am XXXX, and I plan to file a complaint against them to the " XX/XX/XXXX Act ''. Need them to please hurry so i can pay my rent and not get evicted from my home. Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

HELLO. 
THIS LETTER IS TO COMPLAIN ABOUT SERVICES I RECEIVED STARTING XXXX XXXX, 2012. I ORIGINALLY WENT TO THIS OFFICE BECAUSE I HAD XXXX METAL FILLINGS IN MY TEETH. I JUST WANTED THESE FEELINGS OUT AND REPLACED WITH COMPOSITE FEELINGS. THIS IS A VERY SIMPLE PROCEDURE. I WAS TOLD THAT I NEED CROWNS AND ROOT CANAL. AS I WAS IN THESE PROCEDURES DONE I KEPT ASKING ABOUT THE MATERIAL USED FOR ROOT CANAL AND CROWN 'S. I GOT I DO N'T KNOW FOR AN ANSWER EVERY TIME. MY ORIGINAL COMPLAINT I WENT TO THIS OFFICE WAS XXXX XXXX MATERIAL IN MY FEELINGS. LATER WHEN I FOUND OUT BY COMPLAINING TO THE BANK THAT THE MATERIAL USED WAS XXXX XXXX AND I HAD REPAIR BILLS FOR XXXX OF THE CROWNS I WAS COMPENSATED FOR {$1400.00} PLUS INTEREST THAT WAS AMOUNT OF {$1700.00}. UP TO THIS DATE I HAVE NO IDEA WHAT MATERIAL WAS USED IN ROOT CANAL. I HAVE COMPLAINED MANY TIMES THE BANK THAT FROM THE BEGINNING THE CONTRACT WAS BREACHED AND I WAS CHARGED FOR PRECIOUS MATERIAL AND I WAS PROVIDED XXXX XXXX AND UP TO THIS DATE I HAVE NO CLUE WHAT MATERIAL WAS USED ON MY ROOT CANAL. WHEN I COMPLAINED TO THE BANK FOR THE LAST TIME I WAS GIVEN A CREDIT OF {$730.00} FOR {$5100.00} $ XXXX THE INTEREST OF 14.99 %. I 'M NOT EVEN SURE IF THIS AMOUNT IS CORRECT. I AM VERY CONCERNED BECAUSE XXXX OF THE FILLINGS HE HAS DONE NEEDS CROWN AND ANOTHER XXXX CROWNS NEED TO BE REDONE. THIS IS ANOTHER CHARGE OF {$3600.00} ON TOP OF OLD EXPENSES THAT HAD ORIGINALLY COST AT LEAST {$8000.00} OF EXPENSES SINCE XXXX OF 2012. PLEASE BE ADVISED THAT CONTRACT WAS BREACHED AT THE BEGINNING AND I HAVE TO HAVE ALL THE CROWNS BE DONE AGAIN BECAUSE I DO N'T KNOW WHY I HAVE XXXX IN THE XXXX AND I FEEL DIZZY ALL THE TIME. I AM COMPLAINING BECAUSE I HAVE SERIOUS DIFFICULTIES CHEWING ON ALL OF THE TEETH HE HAS WORKED ON.
Consumer complaint received 2015-03-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (NV)

1. XX/XX/2015 (? ) I cancelled autopay for XX/XX/2015 and then asked about late fee and I was told there was a 13-day grace period before late fees would be posted. Rep 's actions and info had me breathe a sigh of relief and asked to speak with his supvsr to give him a compliment. 

2. XX/XX/2015 : Autopay went thru anyway. I called again rep stated that autopay had been cancelled but had not posted on their system yet so if it did not show a reversal on XXXX to call back on XX/XX/2015. 

3. XX/XX/2015 : Called, explained the entire situation AGAIN and this time was told could not reversed because it would put my acct into late status ( regardless of 13 day grace period ). Asked for supervisor and rep was on hold too too long attempting to get a supvsr, ( acc to bank policy ) and she would have to end the call. I was not allowed to hold any longer. 

4. Called again and THIS time I was told the cancellation had to have been two business days prior to scheduled autopay for it to be effective Spoke to supervisor who told me nothing could be done. Asked for HER supvsr and was told there was no one else who could help me. 

I was ( am ) having financial difficulties as it is, and NOW my checking acct with a different bank is overdrawn and will have to pay approximately XXXX in overdraft fees! 

AND prior to this, on XX/XX/2015 ( I think ) I was taking care of a pymt and when asked to verify my address they had an address in a city and state where I have never been in my life. They said they made the correction but just in case I called again and they still had the wrong address. So far now, I think, my address is correct again. I am still waiting for an answer as to how and why this happened. Because of the wrong address, I did not receive a stmt and the reason I had to cancel the autopay to begin with.
Consumer complaint received 2015-10-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (NC)

AR Resources is a collection agency trying to collect on a debt in which I 'm have no knowledge of. I have disputed this debt with the credit bureaus and have sent several letters reaching out to this agency to try and resolve this matter. They have never responded back to validate this debt and continue to negatively report this account on my credit causing me damages such as being denied by several lenders. The reporting of debt that has not been validated per the law is a violation of the FCRA and I 'm seeking further assistance to quickly resolve this matter.
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

my loan is now being serviced by ocwen. they increased my escrow amount ... ... it is only pmi ( no insurance or taxes ) escrow is not to increase. The loan was transferred from XXXX to ocwen. they have given me all kinds of excuses. XXXX did not send the escrow money ... I told them to ask XXXX for it. then that was not the issue. I have tried for two years to get this resolved with ocwen and to no resolve. please help me. XXXX XXXX XXXX my mailing address is XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2015-06-11
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (NY)

On XXXX/XXXX/2015 I have made a money transfer to XXXX through WESTER UNION service for {$120.00} plus XXXX fee charge. Making a total of XXXX using my debit card XXXX XXXX XXXX. 
But them I call them right away to make this transfer to be canceled, they have pomiise meThey will returned my money into my bank account, I wait for my refund that never happened I have make several calls to them they said they are working on this issued Also they said my refund will be on my checking account in XXXX hours .but nothing has been doneSo can you please help me with this situation
Consumer complaint received 2015-06-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Progressive Financial Services, Inc. (IL)

THEY CALL MY CELL PHONE FOR MY EX HUSBAND A MINIMUM OF XXXX TIMES A DAY STARTING AT XXXX. THEY FILL UP MY VOICEMAIL WITH RECORDED MESSAGE. THIS IS NOT MY DEBT THIS IS NOT MY HUSBANDS PHONE NUMBER IT IS MY WORK CELL PHONE. I DO N'T KNOW HOW THEY GOT IT! I HAVE TOLD THEM TO STOP THEY HAVE THE WRONG NUMBER YET THEY CONTINUE EVER DAY TO CALL OVER AND OVER.
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (FL)

I am having an issue with Lexis Nexis they are reporting a Public Record from XXXX County. These were fraudulent taxes filed with my social security. They are relaying this information to XXXX and i have disputed the public record with XXXX and they continue to verify the information as accurate because of the information they are receiving from Lexis Nexis. I am attaching the police report that i filed showing this public record is fraudulent. I am requesting for lexis nexis to remove this fraudulent Public record from my name.
Consumer complaint received 2015-11-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (NE)

Chase advertises Zero Fraud Protection, this issue is not identity theft, it was merchant fraud by a merchant we did business with by retaining card number and running charges for general references to products or services, but nothing specific. Merchant admitted charges were run fraudulently with no product or service provided. Chase continues to report this on my credit hurt me financially in order to collect the fraud loss from me rather than the merchant which went out of business. They make things up such as their " research '' or " investigation '' found that no fraud occurred, but they have failed to say what their research found was purchased in order to represent fraud did not occur. Chase can not do this because it is not true, only fraud is true. I have provided sworn statements and proof of jail for the crime. Crime has paid for Chase so far whom as made over {$15000.00} in interest over the few years this has been going on. They lie in letters sent out as well. The CFPB is the government oversight for credit card companies now. You guys do n't do anything!!! You send a pocket email response that says you wo n't do anything, or wo n't say the credit card company is breaking the law. So they XXXX people over. This is n't preschool and we do n't say anything is wrong, and just sit in time out. This is real stuff, real criminal actions, real jail time, and real fraud, but it is put on me the consumer. I am getting XXXX, my business is getting XXXX, and I 've placed several complaints, and receive no material response. Do n't let the banks screw people, because they will XXXX more people over with larger fraud amounts like mine, and turn it into a legal litigious item to XXXX the consumer. This fraud started at over $ XXXX. Chase raided the business account until it went negative. They only recovered around $ XXXX of it and kept it, but then said later that it was valid purchases .... How XXXX can you just go take money out of bank accounts for valid purchases?? You ca n't, Chase knew it was fraud!!! But when it came time to taking over a $ XXXX fraud loss, then went to being crooks. If anyone actually reads this, please email me at XXXXXXXXXXXX, or call me at XXXX XXXX XXXX. I think this is a complete waste of tax payer money cause you are not even looking nor acknowledging complaints!! If your policy says to ignore me, be a real human being and act like you would not want this XXXX to happen to you either. Be the Government Please, for the people, not for some people and not others ... ... .. Will you publish this for others to read?? Call me and let me know, anyone.
Consumer complaint received 2015-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (CO)

Jefferson Capital Systems repeatedly sent letters to collect a debt so often that a member of my household, not myself, felt that it would " help '' me get them to stop attempting to contact me if she made a payment on the debt. This debt is over 7 years old and had already fallen off of my credit report, yet Jefferson Capital Systems still repeatedly sent me letters. Now that someone, who is not me, tried to do something kind to help me the debt has been reopened and sent on to a different collections agency. I knew this debt was old and that it was no longer reflected on my credit report. I did not make the payment and I would n't have allowed the payment to be made had I been aware. Jefferson Capital Systems had no right to continue to send me harassing letters until someone who did ; t know better finally caved and made a payment.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have request validation of this account many time and never received it Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] from XXXX XXXX and have notified Trans Union of XXXX XXXX noncompliance I do n't know who this account belong to. This is how Trans Union report this account. I ask that this account be deleted from my credit report
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

We received a statement from Ocwen telling us our monthly mortgage payment is going up from {$2500.00} to {$2700.00}. No explanation or advanced warning was given to these changes in terms of our loan agreement. The statement just said 'further detail regarding the reason for this change will be included in a separate letter '. The statement date was XXXX/XXXX/15. We have never received a letter of explanation. 
This clearly breaches the terms of our contract with Ocwen not to mention no constructive notice given to use regarding the changes of said terms.
Consumer complaint received 2015-07-31
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

A recent credit inquiry has brought to my attention that Portfolio Recovery Associates is reporting to the credit reporting agencies an account to which they claim I owe. 

I have reached out to Portfolio Recovery Associates on several occasions to gather more information and have not been successful in getting a response form them. I have sent Certified Letters through the United Stated Post office and have confirmed they were received by them. Yet they have failed to respond in a timely manner. 

I have also disputed the account with the credit reporting agency and Portfolio has verified them without provided proper verification. 

Further more the reporting they are submitting monthly violates laws by reporting as an open account. They are also reporting as a factoring company account. 

I am demanding that Portfolio submit an immediate deletion of this account request to XXXX, XXXX and XXXX.
Consumer complaint received 2015-11-24
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc. (TX)

Issue with loan process and how things are handled. 
I applied for a loan XX/XX/XXXX and was preapproved.3 weeks later which is the process I signed papers XX/XX/XXXX. XX/XX/XXXX I finished signing documents. XX/XX/XXXX they said funds will be in my account 7-10 days later. This did not happen. I got an email from XXXX XXXX stating that the bank statement did n't verify ( it was a joint account ). SO I gave them my other account with a small credit union XXXX. I got a letter signed from the people at the bank verifying that is was my account. 4 days later I got an email saying they could n't verify my identity and they denied me XX/XX/XXXX. 

No one gave me a chance or ask me to provide anything more. I gave drivers license, birth certificate, social security and they ran my credit. 

I called and they could n't tell me anything as to why they could n't verify because it look good on their side. Then they told me to reapply. 

I thought this as strange as most companies do n't allow you keep applying. 

I applied again anyway to see. XX/XX/2015 I applied again. 
XX/XX/XXXX. I signed the documents on XX/XX/XXXX. I got an email stating my loan was approved. I called and spoke to customer service several times and they all said keep checking my account the funds will be in there. Give it 3-4 days. 5 days later they said because I have a smaller credit union it may take sometime. I called yesterday and they said that is hould be in my account no later than XX/XX/2015. I checked the sofi today and it is saying my account is withdrawn. 

I am so confused I never withdrew the loan and I feel like it was all a game to give me the run around. When I normally am approved for something and they say funds with be in account that is usually the case. I am not sure if this is a legit company. I have been nothing but patient and this feel like this is a scamIf the money was going to my account and I had been approved and the several customer service agents state the money would be in my account how did it go to withdraw status. 

I never got anything as to why the loan was in withdraw status. They said it was something that could n't be verified. If this is the case how did I sign loan and then they said it was not able to verify things. NO one contacted me and tried to see if this could be resolved. 

Also now I have XXXX unnecessary inquiries if they knew they were not going to approve me why have someone wait almost 3 months. This is very unprofessional.The representatives were so nice but I am not sure if this is a legit company or they just have you applying for nothing or to get your information
Consumer complaint received 2015-10-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Corporation of America (FL)

In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America sent me a letter in XXXX XX/XX/XXXX stating they reached an agreement with the Federal government and through this program they have forgiven part of my loan and that the forgiveness would be effective XXXX XXXX. The letter also stated that even if I was selling my house or paying the loan in full, I was still eligible for the forgiveness as long as the sale or payoff was completed after the forgiveness was processed. I call Bank of America shortly after receiving this letter and was told and assured by a Bank of America staff member that the forgiven part of my loan would be effective and processed on XXXX XXXX, XX/XX/XXXX We are selling our house and we set our escrow closing date after this date based on the information provided by Bank of America. Shortly after XXXX XXXX, our escrow requested a payoff from Bank of America and was given the original payoff amount. I called to find out why the payoff was n't reduced and the Bank of America staff member told me it still had n't processed but that I was n't eligible because I was selling my house. I spoke to her supervisor and was told the same thing. XXXX staff members told me that Bank of America is not in the business of giving away money and that my loan did n't qualify for the forgiveness because I was selling my house and not maintaining my loan with Bank of America. After I read the letter I received from Bank of America to them, they advised me they would have to research the issue but could take up to a week to get an answer. Finally, they agreed that my loan was eligible for the forgiveness after numerous followup phone calls and that my loan forgiveness would be processed by XXXX XXXX and that there was nothing they could do to expedite the processing. I called back to get help from another department that works with the Department of Justice and was told my loan was set to be processed by XXXX XXXX. Now it is the end of XXXX and they are telling me that ca n't give me a date it will be processed. I have been mislead and lied to by several Bank of America staff members and due to their processing delay the buyers of my home are threatening a potential law suit and the sellers of the home we are buying are threatening to cancel the sale if this issue does n't get resolved quickly. The delay, lack of response and misinformation by Bank of America has put me and the parties involved in the sale of our house in a financial bind. We need my loan forgiveness processed immediately before further expenses are incurred and the possible cancellation and law suit if this processing delay continues.
Consumer complaint received 2015-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I went to my credit union ( XXXX XXXX ) to apply for a credit card and was denied, when we reviewed my file we found XXXX credit cards opened in my name 6 years ago while i was XXXX. I did not open them. We found a XXXX XXXX XXXX, a XXXX XXXX, a XXXX and a XXXX card all in default.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.