davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NJ)

I opened a Fidelity credit card and they offered me {$150.00} worth of points if a spending threshold was met in the first 90 days. I met the threshold and then they promptly canceled my account and will not pay me the {$180.00} worth of points in my account.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-10
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: REGIONS FINANCIAL CORPORATION (MO)

My complaint is about Regions Bank. I had been a customer of Regions for over a decade when I inquired about a home mortgage loan in XXXX. The loan officer explained to me that because of my outstanding student loan debt, I would not qualify for a mortgage but could have an installment loan from Regions. She said once I showed a year of faithful payments on that loan, my credit score would be high enough to qualify for a home loan. But that is not what happened - the hard inquiry lowered my score, I did use the funds to pay down other loans but then had an unreasonably high monthly amount that I was unable to meet due to XXXX XXXXXXXX and related expenses. On XX/XX/XXXX, I called my loan officer to see if we could lower the monthly payments from {$350.00} to {$270.00} for three months. She said she would check and get back to me, but at no point explained that Regions would conduct a hard inquiry on my credit score, which lowered my score even more. Regions denied me for a lower monthly payment even short-term, and therefore I had no choice but to file bankruptcy in XXXX, XXXX. Now my bankruptcy is over a year old, but the hard inquiry placed by Regions without my knowledge or consent remains on my credit report and I remain a renter with disposable income that I would like to spend on a mortgage. 

I assert that Regions Bank operates in poor faith and engages in predatory lending practices. I would like that hard inquiry removed from my account and some type of oversight and enforcement over the bank so this does not happen to anyone else.
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARC Management Group, LLC (CA)

I owed about {$1000.00} to a credit card company. The discharged this debt to ARC ( I can not remember their actual name. Just the acronym. Whenever i question them about who they are, they refuse to give me information about their company, won't tell me their full company name, contact information, or anything like that ). 

Their website is here : https : //www.arccollects.com/ I would give you names, but it seems like they are using fake names, because when I have called back to speak to the last person, even if 30 seconds later, they are always " at lunch '' or something. 

They called me a few months ago, were extremely rude, and refused to tell me who they are or what they wanted. I told them not to call me, and to send me written correspondence if they really wanted to talk to me, and that my current address has been the same since before I owed the money to the credit card company. They never sent anything. 

Last week they called my XXXX year old grandmother, lied to her saying that I gave them her number if they need to get in contact with me, which is not true. My phone number has not changed in almost 10 years, so they could have called me directly, but didn't, instead calling my grandmother as a scare tactic. I subsequently called them back and the gentleman I spoke to the first time picked up, played the same game of not telling me who they were, and of course, the person that spoke with my grandmother was not there, so they transferred me to someone else. 

I told this lady that there was not excuse for them to contact my grandmother in an attempt to get me to pay, that I am out of work, and can not pay now. She continued to tell me " that's how collection works '' ... I told her that harassment is against the FDCPA, she basically just said the same thing until I told her to not contact me or my grandmother or anyone in my family again. That was last week ( XX/XX/2020, from XXXX ). They also use numbers from MY area code to get me to pick up. They are from Georgia if I am not mistaken, and have no offices out here. 

This morning, I received a call from a XXXX area code, and when I picked up, they hung up. I called back, and sure as heck, it was the same guy that I spoke to the 2 times earlier. I asked if they were ARC, and he ignored the question, asking me for MY information. 

This company has already violated multiple aspects of the FDCPA, ignored my requests for a cease of further contact, and have tried to harass me multiple ways, so far the worst of which, is calling my grandmother and lying to her. I will do whatever I have to do, even if I have to sue them, for them to realize what they are doing is not cool and illegal.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (MS)

This company was informed that I have no knowledge of this account. The company failed to validate the account. Company was notified immediately. They failed to do so and began to report on my credit causing a negative rating. They also put the wrong date on the letter that they sent. They have XX/XX/2020 as the date of initial contact which is a lie. I just received this letter. This company is doing illegal activity. Multiple violations of the FDCPA AND FCRA.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (GA)

15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been more than 30 days, and you are in VIOLATION of this law because I am a victim of identity theftIl Please delete these items IMMEDIATELY! 

XXXX XXXX XXXX 

XXXX XXXX XXXX Account Number : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2020-08-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

I recently closed an IRA CD at TIAA Bank. I want to roll over these funds into a company-sponsored 401K plan. TIAA bank will not supply me with a Distribution Statement which is required when rolling over a tax-deferred IRA. They have sent me a check, but no other documentation. I have contacted them repeatedly, and they just keep telling me that it is in process. I can't roll these funds over until I receive this statement. TIAA bank should be investigated for extremely poor customer services, and failure to supply IRS-mandated paperwork.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (MD)

This complaint is regarding my current Mortgage processing bank Flagstar Bank. The bank charged {$30.00} fees too many times to my account for Payoff statement requests. I called and asked them why so many and they are not able to provide any details except below fax numbers through which it was requested. Flagstar does not know who they sent it to and when I asked more details they are askimg me to XXXX the numbers and find out the details myself. When I tried some of the numbers came back as Unknown. So I checked with Flagstar again and mentioned that as my loan account has been charged {$30.00} for each request I am entitled to know who requested it but Flagstar is not providing me any details about who they sent my information to. Instead of helping me Flagstar is asking me to send a fax to each of the numbers below to indentify who this is. I really need to know who they sent my information to as the total charge for these requests summed up to {$150.00} ( 5 times {$30.00} ). Attached bank staement. 
Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX
Consumer complaint received 2020-08-10
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. (CA)

Hello!! 
For the past 3 months, I have contacted all 3 major credit bureaus throughout my break and lunch, to try and have the freeze, block and fraud alerts removed from my personal credit. Unfortunately- I have to force myself to take time to do this- because I am an essential worker. 

I have been told by representatives at the bureaus they have been removed the information However, I tried to obtained financing and I have either been denied because they cant verify my information or I have been told to go back to the bureaus and have the freeze or block removed from my credit. 

Again- we are going on 3 months!!!
Consumer complaint received 2023-07-25
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. (MI)

On XX/XX/XXXX XXXX stated on my credit report my in the comments Payment after charge off/ collection Settled -less than full balance. On XX/XX/XXXX XXXX stated in comments Account legally paid in full for less than the full balance. on XX/XX/XXXX Equifax stated in comments Settled accepted on this account Paid charge off and I have a Derogatory mark for equifax. this is an error please remove this from my credit report. I spoke with XXXX XXXX XXXX and they refused to do anything about it. They also charged me another fee of {$200.00} in which I paid so they would remove in fear that they would not remove. I was not aware of my rights and they took advantage of me. I would like to be compensated for this. This is not fair. This has caused me much frustration and anxiety. I was not able to get a loan for my business as a result of this error. I deserve to be compensated for this mistreatment
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (TX)

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 XXXX, 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 XXXX  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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2020-08-10
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: Experian Information Solutions Inc. (AR)

I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX {$6500.00} XXXX XXXX {$4100.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$830.00}
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6500.00} XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$330.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$830.00}
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$57.00} XXXX/XXXX XXXX {$700.00} XXXX XXXX CR XXXX {$37000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$540.00} USDOE/XXXX XXXX {$7000.00}
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

XX/XX/2022 My account was frozen by the company because a check was returned. When the company froze my accounts, they also closed my access to pay my credit card online. I am XXXX XXXX XXXX and have no access to get to a Navy Federal. So I asked for the company to close my account in XX/XX/2022 since my credit was being destroyed for no access and no option to pay but in a branch. The credit card account I asked to close was a secured credit card that I paid in advance {$500.00} to hold in a savings account. I asked the company to use the savings account to pay the balance of the secured card and close the account so I am no longer affected, however, the company left the balance on my card, My savings account is still open with an active {$500.00} balance, and my credit is being destroyed. On XXXX XXXX, 2022, I received a report my account is XXXX days past due when in fact I thought the company rectified the situation.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

I'm currently in a bankruptcy it has now been two years. my mortgage was with XXXX XXXX. At the end of XX/XX/2019 they switch me over to PHH mortgage, so I started paying PHH mortgage starting XX/XX/XXXX. Well in XXXX they return my money to me for the month of XXXX. I called and spoke to them and they told me I have to pay them from XX/XX/2019, I told them no that I had XXXX XXXX AND I HAD ALL MY BANK STATEMENT TO SHOW FOR IT for the whole year of 2019. But they will not talk to me nor will they take my money. They keep saying they want there XXXX from last year. That's not right and its not fair. At this point I don't know what to do. I do not know what's going on with my house as of know, all I know is that I will fight for my home. I want to keep my house. All I know is that they will not take any money from me and I'm getting nerves I have my XX/XX/XXXX that lives with me and my XX/XX/XXXX who is going to college. I need advice I hope you can help me. The payoff letter that I have included is not right they have added on more money then what it is supposed to be. If we can not get this straighten out we will go to court. The payoff is only around XXXX not sure where they are getting there figure from. I just would like all this done and over with. XXXX XXXX
Consumer complaint received 2020-08-10
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: Experian Information Solutions Inc. (FL)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened an account with Suntrust ( Truist ) on XX/XX/2020. The account was funded with an initial {$100.00} ( also XX/XX/2020 ) and I subsequently had two deposits from the SBA for the EIDL grant {$10000.00} ( XXXX XXXX ) and deposit of {$25000.00} for the loan. On XX/XX/2020, I was contacted and asked to provide a EIN letter of verification. I submitted it and was informed my account was approved. On XXXX XXXX when I logged in to the online account, I noticed there was no checking account listed. I called and was informed my account was being closed. I asked why, she said because no deposits had been made which is odd because I had two. She also confirmed that it would take 10-15 business days and they would send the check by mail. During my wait, I received an email invite to complete a survey and I did. I had been extremely disappointed with my experience with the bank and I voiced that in the survey. A representative from the company, XXXX XXXX contacted me on XX/XX/XXXX and told me that the reason I had received my check was because the fraud department put a hold on my account and I needed to send in notarized proof of business. I submitted that XX/XX/2020 at XXXX XXXX CST. XXXX acknowledged my email XX/XX/2020 XXXX XXXX CST. It is XX/XX/2020 and I have yet to receive a check. I called in at XXXX XXXX CST and was informed by representative that they were still " closing the account ''.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (TX)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SU  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX