davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I have been a victim of identity theft submitted multiple requests to have fraudulent accounts removed from my credit report have submitted identity theft report from ftc listing fraudulent accounts as well as a police report and they still refuse to delete and block the accounts from my report I have provided all that's required by law to have them removed and they still won't remove them I don't know what else to do
Consumer complaint received 2021-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (FL)

On XXXX at XXXX AM, I called Regions Bank teller, XXXX, and informed her that five fraudulent checks had been processed and paid in my medical practice account. I was put on hold for 18 min. and the teller never came back on the line. I called the bank branch 's alternate different phone numbers and there was a busy signal all day, on all the lines. 

The signature on the checks was not mine. My signature was not forged. There was a different name I did not recognize on those checks. Also, the check numbers were grossly out of sequence. 

I also sent an email to the XXXX XXXX, XXXX XXXX, on XXXX, to alert him to the problem. No return phone call. I have been a customer of the bank for 39 years. 

The next day, XXXX ( Weds. ), another 20 checks with signatures that were not my name were processed. I was out {$7800.00} due to fraudulent checks, not including bank fees. I went into the branch that day and informed the branch XXXX that I needed the funds stolen to make payroll. I asked, when could I expect a refund of the theft and bank fees. The XXXX XXXX opined that it might take at least 15 days. He opined to my wife, my office XXXX, that we ( myself & my wife ) were the most likely suspects as perpetrators of this theft. 

At first, Regions Bank wrote that no credit to my account would be forthcoming ( see attached ). I contacted my lawyer who contacted the XXXX XXXX for the bank in XXXX, AL. This resulted in a provisional credit being issued. The bank XXXX was flabbergasted. 

In discussions with other Regions Bank bank personnel, I was informed that this type of theft occurs regularly. When I tried to obtain results of the banks efforts investigating this theft, even over a year later, I was informed that this information will not be shared with me. 

I did file a police report with the City of XXXX XXXX police. The investigation was opened and closed w/o discovering a perpetrator. 

On or around XXXX, I was told that my Regions Bank account of 39 years was being closed. I asked why. Various bank officers said they did not have to give a reason. 

I would like to know why the bank 's computer program that verifies customer 's signatures did not identify a problem-for two days running. Why the check numbers, being wildly out of sequence, did not raise a red flag, for two days running. Why I was hassled with two accounts, which at times required over an hour to transfer funds. Lastly, why did I need to retain a lawyer and pay legal fees to obtain the funds timely that were stolen as a result of the banks lack of controls and oversight. 

My legal expenses and my own personal time lost should be covered by Regions Bank. 

Finally, has Regions Bank identified the perpetrator and solved this allegedly recurring problem?
Consumer complaint received 2021-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc. (NC)

I am filing this complaint pursuant to the Fair Credit Reporting Act the Fair Debt Collection Practices Act. Stern Recovery Services has placed a derogatory collection account on my credit report that I have no knowledge of. The alleged debt that they are attempting to collect on is in the amount of {$540.00}. The original creditor is XXXX XXXX. 

I have no knowledge of this account and was never notified of my right to dispute and didn't even know I could dispute this matter based on the above mentioned Federal laws and my rights as a consumer
Consumer complaint received 2024-03-18
Product: Credit reporting 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. (OH)

I have reached out to Transunion with assistance with my Identity Theft problem with no assistance. I have done everything they asked of me to have these fraudulent inquiries removed from my credit report. I retrieved a police report from the city of XXXX, New Mexico where my wallet was stolen with my ID and credit cards in it. After Transunion asked for the police report and promised to remove the inquiries while on a recorded line, I made sure that I mailed it to them certified. They were not removed. I called to see if they could remove them and I was then told that I needed a FTC report, and again on a recorded line, i was told that the inquiries would be removed once they received the FTC report. I Then got the FTC report and sent it to Transunion, and they still have not removed them. Transunion continue to say that they verified the information even though these items are not attached to any accounts that I have. I was asked by a few representatives have I spoken with the creditors and each time on a recorded line, I stated that I did. I was told by the creditors that they had no information in their computer systems bearing my name or no part of my identity. They also stated that they could not send anything to Transunion on my behalf because they didn't have nothing that attached me to their business, but Transunion continues to say that the information has been verified. I asked for a copy of the application with my signature on the application from all the creditors listed and I have yet to receive anything. The incorrect data and no signed application showing proof that these inquiries belong to me was reason to remove all fraudulent inquiries from my credit file. I am asking for your assistance in this matter to step in and push them to do the right thing and remove these fraudulent items. I have sent them several reports including my personal Identification from the month of XX/XX/XXXX until now XXXX XXXX below are the fraudulent inquiries ; ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. ) PLEASE HELP ME WITH THIS LYING BUREAU!!!!!!!!!! 

THANK YOU
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

on date XX/XX/2021 i sent a dispute letter to experian concerning an account on my credit report. it is well over 60 days and experian has not responded to me, which i believe is a violation of the law. which means that they were unable to verify the information as well as complete an investigation during the alotted timeframe of 30 days. with that i am requesting that experian remove this account from my consumer report and my credit file and mail me an updated credit report. i am in fact who i say that i am and i also have included my identifying items to show that i am in fact who i state that i am
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I am writing to dispute the following information that your company supplied from Equifax involving the XXXX - CARD SERVICE account posted on my credit file. 

This item XXXX - CARD SERVICEXXXX.I am requesting that Equifax have the item removed [ or request another specific change to correct the information. ] This account was paid and settled with a debt collector. The account number is also incorrect and have not been properly identified. 

Enclosed are copies of [ my credit report and any other documents enclosed with a short description, for instance, your record of payments made ] supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2021, I drafted the attached dispute to Experian advising that my " personal information '' appearing on my credit report had errors. To date (XX/XX/2021 ), I have sent the same dispute to Experian on 3 different occasions with no relief in sight. It is significant that the same dispute was sent to XXXX and honored on the first attempt.
Consumer complaint received 2021-06-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

This is another ( out of many ) complaint against Citizen 's Bank and its fraudulent responses to our complaint to your office. Response we have received from Citizen 's bank dated XX/XX/2021 is nothing short of fraud. From XX/XX/XXXX to XX/XX/XXXX are only 27 days ( see copy of calculations attached ). Then there was a claim that interest from XXXX XXXX to XX/XX/2021 was {$51.00}. There was no such interest at all at any months in 2021. The following interests were charged to us : XXXX. ( i.e., computed for the month of XXXX ) - {$60.00} ; XXXX ( computed for the month of XXXX ) - {$53.00} ; XXXX. ( computed for the month of XXXX ) - {$56.00} ; XXXX. ( computed for the month of XXXX ) - XXXX ; XXXX ( computed for the month of XXXX ) - {$52.00}. Response ignored the issue of failing to account for {$1000.00} payment made in XXXX towards principal which apparently explained the interest charged in XXXX ( {$56.00} ) which was greater than the interest charged in XXXX. This is the reason of questionable " closing '' of our previous complaint with CFPB!
Consumer complaint received 2021-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PINNACLE FINANCIAL PARTNERS, INC. (NC)

The bank sent me a letter with my current loan number and my new servicers loan number for the home were closed last month, so I used the instructions on the letter and on the websites of both servicing companies to attempt to establish an online account to pay my bill. 

The website for both servicing companies says my loan doesnt exist no matter what loan number or identifying information I provide, so I have no way of knowing how to make my payment safely and securely by the due date on XX/XX/2021. 

I do not feel safe mailing a check with my bank account information to either loan servicing company because neither of them can tell me if I have a loan account with them. 

I believe this is an undue burden placed on me by both servicing companies, because I work during their call center hours, which means I have no alternate means of inquiring about my loan. 

I do not have time to play phone and email tag, and their customer support teams lack the training they need to help me. 

You never get the same answer twice, and you have to just pray to a higher power that their websites work on any given day. 

I have no other recourse apart from this complaint, so I hope it helps Pinnacle Bank and XXXX XXXX XXXX find the motivation to help me get my bill paid on time using a safe and secure method of payment.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (PA)

I have been receiving calls from this company for weeks now. Most time I ignore it but today I'm sitting with my wife and kids watching tv and decided enough was enough. I've been in contact with target card services and have set up a payment plan thru their own website. I have been in contact with target. I attempted to explain my situation and the fact that I have already made an agreement thru target and the did not listen. As I was explaining myself the guy on the phone just spoke over top of me. He was extremely rude. So I asked for a supervisor. I was immediately placed on hold and just waited a few minutes before I hung up and called them back. I then asked again for a supervisor was placed on a brief hold until a women answered claiming to be the shift supervisor. She proceeded to talk over me as I once again tried to explain myself. Then I asked to speak with her boss and she gave me some run around. Then proceeded to ask me for more personal info before she could give me her boss 's contact info. It was a giant run around. I told them numerous times over numerous calls to stop calling me. I will provide a screenshot of my agreement with target.
Consumer complaint received 2021-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

This is re Kohl 's Store Credit : I accidentally typed in the wrong password and didn't notice at first resulting in me getting locked out of the account. I've tried calling several times to get accurate amounts owed. I can't get through- I'm told " you owe a past due balance '' ( that's b/c I couldn't get into the account to see balance, minimum due, etc ) and when I call- I get nowhere. They say I have to pay a balance due before they'll help me with the online access. WHAT? I'm not sending in money blindly ... ... every time I call, it's a 1/2 hour call or else I'm told to wait with an estimated wait time of 1-2 hours.
Consumer complaint received 2021-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NM)

I get regular emails from Navient about my student loan. I have no student loans. I am XXXX years old. I paid my student loans off about 40 years ago. Why are they hassling me? How many others are they hassling? I have not responded to the email because their website wants me to log in to contact them and I am concerned it could be a phishing attempt.
Consumer complaint received 2020-04-07
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: WELLS FARGO & COMPANY (TX)

I am a victim of identity theft. I have requested for XXXX  to investigate an existing fraudulent account on my credit report> I have supplied all three crediting agencies with a copy of my police report requesting for fraudulent activity to be remove. XXXX  has failed to comply with my request. I've written a letter stating that XXXX XXXX XXXX does not belong to me and therefore should be moved
Consumer complaint received 2021-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY ()

I recently requested and received a XXXX XXXX credit card through Wells Fargo. When I went online to set up my account, I noticed that it was impossible to set up Autopay which pays the bill automatically. In addition, it is possible to request text and email notifications of OVERDUE bills, but only email notifications of upcoming bill due dates. In other words, they are DELIBERATELY making it more likely that a consumer will miss paying a bill, while ensuring that they will be quickly notified of any past due bills and associated extra fees. 
I feel strongly that banks and credit card companies should be penalized for such practices. Is there a list, or could one be created, a kind of Wall of Shame, for credit cards that rig the system against consumers?
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

Again, despite repeated requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus are required to correct or remove but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts should correct removed immediately : XXXX XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX XXXX XXXX Balance Owed : {$30.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX Balance Owed : {$1300.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXXXXXX Balance Owed : {$310.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.XXXX XXXX XXXXBalance Owed : {$9600.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX XXXX Balance Owed : {$10000.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Consumer complaint received 2020-04-07
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-06-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (PA)

MoneyLion has reported my account as past due by 30 days with a {$61.00} past due amount to credit bureau ( XXXX  ) and this is FAR from the truth! I have never missed a payment and my bank statements show this as does their OWN WEBSITE, payments are taken out automatically every other week and show all as paid on time and current yet they reported it as late, I have contacted MoneyLion and all they will say is sorry and that it is their mistake and they will have a supervisor contact me when I ask to speak with one. Furthermore they cant even supply me with dates bc their own system shows everything as current and paid in full yet they refuse to remove this black mark from my credit report