davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TX)

I made transactions with Regions bank initially involving XXXX. Suddenly I was processed with international fees. This is banking fraud because I didn't authorize by debit card for these transactions but my information was passed along to the consumer groups. This is agreed upon an extra payment fee due to the Regions terms of service agreement that I disclosed when I opened my account initially. 

My money was sent to XXXX, XXXX, and XXXX but I never received my product, goods, nor service. Why are adults allowed to take my money and prosecute myself for misdemeanors but I never receive a docket number for my case. An open dispute resolution was actively closed by a bank teller when my account became negative in funds. 

I was a victim of a violent shooting in college and never received my diploma because I didn't get to graduate. This is not fair because I am an adult and can not earn fair wages. I keep paying my money and my debt to society but I am treated unfairly. 

If I knew that Regions was going to waste my money then I never would have done any of this! This is very frustrating. 

I am still being charged ATM fees, and monthly service fees, but I can not access any more cash! There should be a communication at least when my account is escalated to include extra fees. Or if there is a delay in my transaction then the consumer response should include a third party or myself directly. Either by telephone, email, or fax.
Consumer complaint received 2018-02-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (CA)

XXXX XXXX XXXX, still has a loan on my credit report that was paid off by my insurance carrier XXXX. Ally is showing that i still owe XXXX on the car and have hit my credit with late payments. I had gap insurance to cover any overage after XXXX paid off the car.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

Hello, Discover Credit Card closed my account on XX/XX/XXXX. I have been a loyal customer with them since XX/XX/XXXX. 8 YEARS of loyalty. I called the morning of XX/XX/XXXX asking if there was any way to re-open my account since it had not even been 24 hours since they had closed the account. They advised me there was nothing they could do. Told me I could re-apply and I replied back asking how that was going to help me. It is pretty disheartening that a company would treat their loyal customers like this. From forums I have read online, people have been successful re-opening their accounts with Discover. I am hoping that Discover will reconsider and allow me to reinstate my account. 

Thank you.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Trans union LLC for myself XXXX XXXX last XXXX Social Security number is XXXX, DOB : XX/XX/year>. Please delete the following accounts.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized Inquiries and addresses they have failed to fully validated that I initiated. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries and addresses that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 
Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX XXXX ) XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX - Date Filed : XX/XX/XXXX 7 )  XXXX XXXX - Date Filed : XX/XX/XXXX 8 ) XXXX - Date Filed : XX/XX/XXXX 9 ) XXXX XXXX   - Date Filed : XX/XX/XXXX Reporting Address : XXXX XXXX XXXX XXXX, MI XXXX Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Parkesburg, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (TX)

Around early FXX/XX/2018 I requested statements from the creditor to validate the debt which is inaccurately being reported and adversely effecting my credit score.  You notified me that 1.your agent XXXX didn't misrepresent herself and It was a misunderstanding and that you would 2. Mail the statements I requested in 5-7 days. Well I have received theses statements On  XX/XX/XXXX and attached copies for all to see the careless work you do. Yeah maybe it was just a misunderstanding or worse, maybe you just don't care and it doesn't matter. You didn't provide any evidence of the original signature to validate the debt, no one nothing no name address or phone number, in fact the second sheet of paper could have been pulled from a trash bin. You sent XXXX XXXX a XXXX old resident from Wisconsin medical record of some sort. How do you make a mistake like that? I'm not going to exhaust any more time with communicating with you all. Please do not call me or I will consider it harassment. Send all correspondence by mail.
Consumer complaint received 2018-02-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: BB&T CORPORATION (GA)

I went to the XXXX dealership on SaturdayXX/XX/XXXX, because I was having problems with my car. XXXX XXXX was the salesman who helped me. This was a first time car purchase for me. He showed me a used XXXX XXXX XXXX. I took it for a test drive. He asked if I liked it and that was it. He ran my credit six times before I was approved for a loan. I was told I did not need a cosigner. They asked me what I made per hour and how many hours I worked a week. That's how my income was estimated. They were rushing me and kept asking how much I was going to put down, The downpayment was paid before the contract was signed. I did not have proof of insurance when I left with the vehicle, I was told to text the information the next morning. As soon as I poke with my insurance agent I knew I wouold not be able to pay for the car and the insurance. The Monday XX/XX/XXXX my father, who was not with me at time of purchase, went with me to take back the vehicle. I was told by the manager XXXX XXXX, that there was no reversing the contract and it was a done deal. The car was left at the dealership. I contacted the bank that the loan was made through and told them about the situation. They had no record of a loan made to me. I called a few times during that week and no loan was found. Then I received a letter a couple weeks later from the loan comapany saying my loan went through and my payment was due. I contacted the bank that the loan was through and told them I did not have the vehicle.
Consumer complaint received 2018-02-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : INQUIRIES XXXX XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX. I have just checked my credit score that seems to be ok. However, as I was going through my credit score I noticed that there is a name of a XXXX XXXX on my report. I no idea who XXXX XXXX is. I don't know how, who, where, when or why that name is on my credit score because that is not my name. I have two other names, one is from my previous marriage and the other is my maiden last name that I have used both of those names in the past, but I don't use those names anymore either. But I do not now and I have not ever been a XXXX XXXX. Please remove that name from my credit score and I want that name to be removed from my credit score immediately. Thank you for your time and consideration. Sincerely, XXXX XXXX.
Consumer complaint received 2018-02-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IL)

Several years back, I took out a student loans with XXXX College. I stopped attending and during the past couple years I have not been able to make payments on my loan due to financial hardships. I am currently living with my parents and have lost my job. I had a baby on the way which caused me to become so far behind on my bills and miss many payments. All of these missed payments caused my credit score to be severely effected. It has been hard for me to get a place for my family with a low credit score. I'm planning to get a new job with XXXX and get back on my feet. 
I want to remove any marks effecting my credit score during the non-forbearance periods and be able to get a deferment on my student loan for 6 months as I rebuild my fiances. I can afford to start paying {$50.00} per month after the 6 month period.
Consumer complaint received 2017-04-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC (FL)

On   XXXX   XXXX  , I Initiated a hardship request because of an unforeseen medical situation.   Expecting that payments may be late or missed for  1  to 3 months or some time between   XXXX   XXXX   and   XXXX   XXXX  .      360  Mortgage,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX ,  (   XXXX  )  XXXX , could not have done anything more to prohibit this request offered by HUD for assistance to lenders for with unforeseen life situations.     The improprieties were : 1. In the email correspondence provided, the loss mitigation specialist  XXXX   XXXX  after numerous requests to contact me by phone to clarify conditions on stipulation list never replied although confirmation emails were sent stating a reply would occur in  72 h ours. Replies never occurred, all contact information was initiated by  XXXX   XXXX .      2.  When speaking with  Cust Service t he gatekeeper for the Loss Mitigation Dept, those reps stated Federal hardship requests are rarely ever approved b y 360  Mortgage because of the guidelines with FHA. Without seeing the documentation or knowing anything re : the request, how can a Customer Service  Rep  make that claim?   3. The  Document Checklist  list for the Hardship Application had  25 d ocument requests, 21 had a box with an " x '' and  4  had a box that was empty. Assuming the " x '' meant required documents, they were sent to  Ms   XXXX  only to find out  one  day before the doc deadline  XX/XX/XXXX  that all docs would be required I furiously gathered a re-faxed docs on   XXXX   XXXX   the date of the deadline, only to find out  360 F ax was down that day.   *Ms.  XXXX   denied  the request and the hardship application was pulled on   XXXX   XXXX      3.  While this Assistance package nightmare process was going on I feverishly tried to keep up the payments, AND DID. While  XXXX  and  XXXX  were late, they were made. 360 reported tot he credit reporting agencies these late payments and now a refinance to go with another lender CAN NOT be attained.     I 've requested  360  mortgage to remove these derogatory items and they have declined for   XX/XX/XXXX   and  XXXX  of  XXXX .     Unfair trade practices, customer intimidation, overloaded loss mitigation and customer service staff, failure to follow federal guidelines for home assistance programs, failure to accept responsibility for electronic document transmission errors and erroneous reporting for extenuating circumstances are just a few of the process flaws that are systemic in the Mortgage  Origination, Servicing  and  Cusotmer Service  with 360 mortgage.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX
Consumer complaint received 2017-04-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc. (ME)

XXXX   did not do their due diligence in researching a date of birth, finances or social security number before they opened a deferred credit account with a  XXXX   XXXX   XXXX  child who happens to have many diagnosis,  one of  which is  XXXX . After 3 months we received a past due bill for {$3300.00}. The childs parents had no knowledge of this account. When we called  XXXX  to inquire about this bill they gave me an incorrect dob and ssn which did not belong to any family member, and then they asked to speak to my  XXXX   XXXX   XXXX  son to verify his information, realizing at that point they were dealing with a  XXXX   XXXX   XXXX . I have now been mailed an afadavit which would admit that I was fraudulent which I am not. This account was opened by my  XXXX   XXXX   XXXX  on the computer using his name and a false social security number. My  XXXX   XXXX   XXXX  son has the mentality of an  XXXX   XXXX   XXXX  and did not realize what he was doing. He " thought '' he was buying and selling toy airplanes and did n't realize that money was being added up. We never received any bills until almost 4 months of transactions had taken place. We have packaged up all the merchandise which came from all over the world and would cost over {$1000.00} in shipping to re-sell and mail.
Consumer complaint received 2018-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CB1, Inc. (NY)

SEE ATTACHED. Petitioner incurred roughly {$220.00} in services at the XXXX XXXX XXXX  XXXX XXXX. Petitioner paid {$25.00} on-site as a deductible and the XXXX XXXX XXXX XXXX XXXX said they would bill his insurance. For whatever reason, they then began billing him for {$190.00}. Petitioner attempted, unsuccessfully, to have them charge his insurance company and ultimately paid the {$190.00} debt out of his own pocket. Now, four years later, Petitioner has learned that the XXXX XXXX XXXX XXXX XXXX never accurately reconciled the debt as being paid and, to make matters worse, sent the debt to XXXX XXXX XXXX, a debt collections agency in XXXX XXXX, MT which has been falsely reporting the debt as being unpaid and in " Collections '' to credit bureaus. Worse, they have been levying " fees '' and " interest '' on a debt which had been paid off years earlier. Both Defendant 's have been notified of their errors and have refused to correct their actions.
Consumer complaint received 2018-02-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ND)

I am on the pay as you earn repayment plan. I'm temporarily XXXX and I'm not earning anything and I can not pay anything. I've submitted forms and they are still trying to get me to pay and negatively reporting on my credit report.
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (CA)

I applied for mortgage and was charged for it along with the appraisal fees after loan officer had input the property itself won't qualify ( guidelines ) I applied for loan # XXXX with XXXX XXXX back on XX/XX/2017 and was charged for the the application along with the appraisal fees later on XX/XX/2017 and XX/XX/2017 respectively and notified on XX/XX/2017 that the loan application was denied. 

The lender claimed that they denied my application because of the high debt, but upon checking the budget for the condo we were trying to finance, the bottom of page 4 says that XXXX is operating at a {$39000.00} loss. I have then come to find that the true reason the lender denied the project is because XXXX requires that the HOA budget operate at a surplus or balance out, and I have confirmed that Movement Mortgage too, like any other bank wouldn't provide a loan in such a case anyway by ( i ) checking with a different Movement loan officer too and ( ii ) checking with another very experienced officer from a different bank who confirmed that no bank would give a loan in this case at all. The reason isn't really the high debt on my end or whatever the mortgage company is claiming therefore. Noting that the bank took so long to deny my application, it was obvious their officers were just trying to prolong the process hoping that I would give up so that I don't blame it on them ( they had the appraisal ordered after they saw the budget, and therefore, shouldn't have ordered it in the first place ). They were extremely irresponsive throughout the process ( so many e-mails I sent they didn't respond to, including the last one I sent requesting a refund ). 
I am attaching the very lengthy correspondence I have had with XXXX XXXX, another Movement loan officer, and with XXXX XXXX, an independent loan officer from another bank too, proving that neither mortgage officers and banks would have approved the loan because of the outstanding debt the budget of the condo complex had in 2017 ( i.e. not because of the so-claimed high debt the officer I worked with claimed ). I am also including the correspondence with XXXX XXXX, from the complex management company indicating that she is aware of the budget deficit too. 

I am also attaching the HoA budget statement and the denial letter I received from the mortgage company.
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

Wells Fargo foreclosed on house saying I missed 6 payments, then sent an agent to tell my tenants that they would have to move, they would not listen to what I had to say, so I sold every thing I owned and moved so I could pay what they said I owed then they listened and I sent copy of receipts, that was the last I heard from them, I was unavailable, for month, maybe they tried, I am available now.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (OH)

Applied a credit card for common use and travel reward through XXXX XXXX  to Barclays bank. Never received card, so complained but still could not get 2-3 months. But I got bill of {$69.00} for no reason just their fees. Call and closed account but balace still remain and kills my credit. After couple of tries, account has been closed but customer service can't help anything.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Several years ago I spoke with a representative of XXXX XXXX XXXX. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.