davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/24 I requested a payment of {$2500.00} be made on my Regions Credit Card through a live agent on their call center. I used a debit card for checking account with XXXXXXXX XXXX XXXX. Regions agent said should show posted in two days. I called Regions on XX/XX/24 and payment was not there and was told it was pending. 
I called XXXX. on XX/XX/24 and was told my money ( payment of {$2500.00} ) had left my account on XX/XX/24. I called back to Regions on XX/XX/24 and payment was not made to account. Requested a supervisor, to no avail. Never received a call back from supervisor. My question is where is the money in question and where is it being held? Is my money illegally drawing interest for the profit of Regions? I request a chain of custody as to when payment left XXXX account and where is it located as of XX/XX/24.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, my name is XXXX XXXX I received a call from my employer stating XXXX XXXX  was sueing me for a loan I did not apply online or go in person for. I contacted them and told them I have never done that. Ive had several claims under my name that I have received loans that I did not. I am still battling with money being taken out from places I have never been in, and as a result my bank account have been closed without my consent. Now XXXX is threatening to garnish my paychecks. I am a single mother who doesnt make a lot of money and am on food stamps. I have never gone into that place to take out a loan yet I am now being punished with threats of sueing and taking my pay check. They said they had all my information. My number is XXXX my social is XXXX I do not know the loan amount. I have lawyer offices calling my employer
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

On XX/XX/2020 I opened two business accounts. When opening these accounts ; I was asked if I wanted over draft protection. I chose to opt-out of this practice as it normally includes fees. 
However since XX/XX/XXXXXXXX XXXX XXXX I have been charged {$1500.00} on one account and {$1800.00} on another account. For a total of {$3400.00}. 
According to the bank when my deposits are in pending ; they allow my debit card to approve transactions. However, the funds are not technically available so I am charged a fee. 
This does not seem fair to me and was not explained when opening these accounts. As I made it clear when opening that we did not want to incur any overdraft fees and to opt us out of anything with overdraft protection. 
I do a lot of online payments with XXXX, XXXX and XXXX. So when these funds are transferred to my accounts they are available. However, they are not in my current balance ; just my available balance. 
If a fee will incur when I am using my funds ; my card should decline. Especially since I opted out of any overdraft protection.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

An authorized user was removed from my account accidentally. I wanted them added back to my account but the consumer stated that the system does not allow them to. I was told that there was a policy stating I could not add them was read in the terms in conditions when adding an account user but that is incorrect. It just states what the account user can or can not do. The particular rep who told me this and was rude was named XXXX employee ID # XXXX. The employee hung up on me when I asked for someone to explain things to me in a better way because I dont see the policy. I even looked in the credit card agreement and it is not there. 

On the site it gives you ways to add and benefits but not what happens if someone is removed from the account. 

Another rep did attempt to help and he was confused by the system and could also not find anything in the policy. 

I would like this user added back to the account. It is affecting a lot of things.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

This company opened an account in my name when I was incapacitated. This is the second time I have disputed this account and theyve failed to resolve and correct the invalid / Identity Theft account.
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO (PR)

FirstBank sued me for foreclosure on my principal residence on XX/XX/XXXX, even when I already had submitted a complete Loss Mitigation application. Since this nightmare started for me and my family, I have been trying to save my home in multiple occasions submitting loss mitigation applications to the Bank, while at the same time battling the foreclosure process at court. On all these occasions, my Loss Mitigation applications were never evaluated on its merits and with the purpose of Loss Mitigation which was created to help debtors as me save their homes. Due to the fact that the Loss Mitigation department of FirstBank has never given me a real and/or possible option to keep my home, I started looking for other options instead of foreclosure. I found a couple interested in making an offer in short sale for my property. For this option I submitted all the proper documentation required for the consideration of the short sale offer, including a valid short sale offer according to the real price that the property has today at the market. FirstBank after allegedly considering this short sale offer declined multiple offers made by this couple. After the Bank declined the short sale offers, I submitted on XX/XX/XXXX a complete loss mitigation package for a deed in lieu of foreclosure and as of today that I am submitting this complaint, the Loss Mitigation department has not evaluated this application and instead they keep adducing that there is still missing documents, which I have provided them again and again. I am looking for help from the CFPB to request the Loss Mitigation Department to comply with their obligation and do not keep delaying the evaluation of my case on its merits. The Bank has been delaying the evaluation of my case with the only interest of foreclosing my property since the Court informed that my property will be auction on XX/XX/XXXX.
Consumer complaint received 2023-09-18
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. (TX)

I am requesting that the following account be removed from my credit report due to FCRA violations. XXXX XXXX XXXX The creditor could not verify this account, and Experian failed to provide validation of the account. I also submitted my FTC report and my XXXX data breach claim number, and this account was still not removed. Lastly, the account is outdated which is another reason why it should not be reporting. Please see the attached report and data breach claim id and remove this account from my credit report.
Consumer complaint received 2019-06-20
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: CITIBANK, N.A. (PR)

I have NEVER had XXXX XXXX card  nor home depot card. I have never used any name ending in XXXX. I have never lived in XXXX nor XXXX XXXX Florida. My only last social security 4 digits are and only XXXX. 
XXXX XXXX XXXX has been harrasing mr for over 20 years and I have never done sny business with XXXX XXXX XXXX. 
lastly. I have never defaulted a student loan. I was active student. later had forbance. due to hurricanes in Puerto Rico.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Performant Financial Corporation (PR)

Performant Recovery Inc contact me to apply for a rehab program in order to stop my garnishment of 15 %. I submitted all of the required documents and the approved a payment of {$53.00} and details are under Performant account number XXXX. After the 5th payment  the garnishment was going to stop. On XX/XX/2019 5th payment was performed. ( See Attachment # 1 ). 

Next payment checks from my company were received on XX/XX/XXXX and on XX/XX/XXXX. On both checks the garnishment continues to charge. Yesterday I contacted Performant Recovery Inc and they told me that they sent the communication to XXXX and XXXX is who should notify my employer. In addition Performant Recovery Inc told me that the latest payment of my garnishment that they received was on XXXX XXXX 19. I  contacted finance department of my employer and they never stopped payments. ( See Attachment # 2 ). 

Today I contacted XXXX and they told me that they don't do that and the account ( Account # XXXX ) that they have is one that I paid separately and which is now stopped because I am studying my XXXX XXXX. 

I am so confused and I need to understand my exact student loans debt and where the money goes. 

XXXX XXXX from Performant Recovery Inc is the person that I always call for payments confirmation number and other question ( XXXX-XXXX-XXXX ).
Consumer complaint received 2024-07-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NY)

I am writing to file a complaint regarding an issue with Credit Collections that I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

I recently reviewed my credit report and discovered a collection account from XXXX XXXX XXXX XXXX listed by Credit Collections. I never received any notice about this outstanding bill. Upon discovering this, I immediately called Credit Collections, paid the account, and requested its removal since I was never given the opportunity to dispute the debt or pay it before it was reported, which are my rights under the FCRA. They confirmed they had mail returned on my account but still refused to remove the account. 

Following their instructions, I mailed a letter disputing the account and also disputed it with the credit bureaus. Despite this, the account remains on my XXXX and XXXX credit reports. Additionally, when I call

ed Credit Collections, they mentioned another bill for over {$800.00} related to a lab, which I also paid. I provided my address to receive these bills but never received them. Credit Collections has ignored my letter of dispute and continues to verify the incorrect information
on my report. I believe their actions are a violation of the FCRA, as I was not given proper notice and they have not addressed my disputes appropriately. 

I would appreciate your assistance in resolving this matter. 

Thank you for your attention to this issue.
Consumer complaint received 2024-05-06
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. (CA)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2019-02-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (AZ)

I believe I am a victim of predatory lending practices.When I financed the car total amount of the loan at the beginning of the term was approx. 23K with starting pmt of {$520.00} beginning XX/XX/XXXX. I have had 2 times of being over 30 days late, paid the late fees and caught up. As of XX/XX/XXXX The loan amount is XXXX The APR is XXXX and I have asked multiple times on several occasions to reduce the loan APR or to have it refinanced and XXXX representatives stated that they do not offer any reduction services.I receive anywhere from 4-6 calls a day 4-5x a week from XXXX XXXX XXXX. After I make arrangements to pay they still call me and ask me to verify my employer and I have verified my employer 2 times in the last month and they continue to ask. I am 26 days past due and pay anywhere from 100-400 every week and I am not catching up due to late fees and interest. I do not want to let the car go, I want to make good on the loan but being upside down to the amount of more than the car is worth is just mind boggling to me.
Consumer complaint received 2024-05-06
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. (CA)

I lodged a complaint against these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-06
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. (NJ)

After sending complaints here in CFPB these unauthorized and fraudulent inquiries ( XXXX XXXX XXXX XX/XX/2024, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 ) is STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding these unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

My house is newly built and only 6 months old. I requested my mortgage company to take off PMI as I paid off 80 % of my loan amount in XX/XX/XXXX. They requested for an appraisal. My house was bought as new construction in XX/XX/XXXX and since then I had no major/minor repairs/issues with my house. I also added a beautiful deck this XX/XX/XXXX. Now in XX/XX/XXXX the appraiser did the appraisal and got all wrong facts about the house in their report and provided a low estimation. My community is newly constructed and there are same type of houses that are being sold at higher price than mine and total home values are appreciating as community is building swimming pool, play ground, garden, etc..but I am not understanding how my house value goes down. I called Nationstar Mortgage to get details and they are blindly going by the incorrect appraisal report without even verifying the facts about my house. This is creating lot of trouble and they are asking ME to pay dawn another XXXX to take off PMI. I think this process is incorrect and there is something doubtful about how Nationstar is handling the PMI cancellation requests. The appraiser they are using or partnered with is not keen and is doing appraisals in favor of Nationstar and not as an independent appraiser.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Incorrect Address on Credit Report Dear Experian, I am writing to dispute an address that is incorrectly listed on my credit report. The address in question is : Address ID : XXXX Report Number : XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This address does not belong to me and is inaccurately associated with my credit report. I request that Experian investigate this matter and remove the incorrect address from my credit report promptly.

Enclosed with this letter are copies of documents verifying my current address : Utility Bill Drivers License I also request that Experian provide me with a copy of my credit report once this dispute has been resolved to confirm that the incorrect address has been removed.

Please investigate this matter as soon as possible and inform me of the results.

Thank you for your prompt attention to this matter.
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (PR)

I have an XXXX  XXXX AAdvantage Platinum Selected card that I opened 4 years ago. One of the " benefits '' is a {$120.00} XXXX XXXX XXXX Discount after spend {$20000.00} or more in purchases during a year. Although I have spend that amount I have never received the discounts. I have contacted Citi Bank on XX/XX/19 5 times and any of the customer services agents that I talked with have not been able to help me. Although they have confirmed that I have spend the $ XXXX they put me on hold to transfer the calls but the calls never go through. 

I think this is a deceptive tactic from Citi to do not honor this benefit.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PR)

On XX/XX/XXXX, I received a notification from a bank institution stating that my loan request could not be processed because my Equifax report was " frozen ''. I called Equifax and spoke to three different departments and turned out that my report was " Credit Report Control ( CRC ) blocked ''. 

On XX/XX/XXXX, I sent a fax to the Security Department of Equifax Security, following their instructions and  including copy of my SS card and driver 's license. On XX/XX/XXXX, I called and learned that the letter was not received. I sent the fax for the second time, and also sent it via certificate mail with delivery confirmation using the USPS services. 

Yesterday I called Equifax and did not get any answer. My account is still blocked. They did not say who or when, or why it was blocked, and requested that I write a second letter, because they received a letter that was incomplete. Realizing that Equifax is incapable of solving this problem based on their customer handling and sercvicing, I decided to contact you office. 

I'm uploading files backing this procedures and also the front page of the last credit report I requested, dated XX/XX/2019, in case you need additional information from this data.