davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION (FL)

I was looking through my consumer report and noticed that an account with the account number listed XXXX is furnished by Regions Bank on my consumer credit reports, as a charge off inquiry. Regions Bank cant report something as both income and debt. 
Its illegal to furnish income on a consumer report, A charge off according to the Internal Revenue Service is income and Regions Bank must fill a form XXXX ( please provide me with a copy ). 
Regions Bank has furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TCF FINANCIAL CORPORATION (AR)

XXXX ALLOWED TCF BANK LOAN NO.XXXX BE RE-INSERTED 67 TIMES WITH OUT 5 DAY NOTICE TO CONSUMERS BY CHANGING ACCCOUNTYPE ETC..
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (AZ)

My XXXX XXXX was over XXXX and yet Wells Fargo gave a very high interest rate and after paying XXXX years it still only paying interest only and my principal is still pending. Wells Fargo is not upfront with the payments and paying of interest and principal
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MS)

I called XXXX  on or around the time I contracted XXXX XXXX and my job was affected. In XX/XX/XXXX I spoke with XXXX different supervisors on a recorded line about the billing error and was told that if I made consistent on time payments for 6 months, they would remove my late payments. My credit report has been adversely affected by my lost of employment due to the worldwide XXXX pandemic. After being assured by the management at XXXX that the erroneous late payments would be removed, I've been caught up and consistent an entire year since finding stable employment. I called XXXX today XX/XX/XXXX and The representative refused to submit my dispute for the erroneous late payments and refused to transfer me to a supervisor. ThIs information on my credit report is preventing me from purchasing a home. I would have never been in this position if i wasnt assured that the late payments would not affect me after keeping consistent payments. I feel like this is some form of extortion. If i would have known that XXXX would be this shady, i would have went to another finance company.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

I got a new Credit Card and when initially setting up ez pay I put full statement balance being I had a {$0.00} balance at the time. I get a balance transfer after this for $ XXXX/18 months interest free and obviously I dont want to pay the full balance anymore so I change it to minimum payment due. Well instead of changing it they took out the whole {$3000.00} balance transfer I got just a month earlier instead of the minimum payment I had changed it to 24 days earlier. I get a returned item fee from my bank and HBSC who is the credit card company is well it takes a billing cycle to change which I have many credit cards from other banks and no body does that because it makes no sense. No one changes what they want to pay just to have what was initially set up for to come out. No one on earth pays a balance transfer off the next month. They need to get like every other bank in the world and not wait 2 months to take effect. I contacted them and they just read a script about their rules which are beyond stupid. People make purchases during the month and need to change what is coming out since they dont have the money at the moment to pay for it. Its just common sense and common banking or business sense and they dont have any. Besides that the minimum payment also came out along with the {$3000.00} on the day exact day. Its not hard to correct this and change your policies because they are ridiculous.
Consumer complaint received 2023-01-16
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: SANTANDER HOLDINGS USA, INC. (NC)

Santander Consumer US, a subsidiary of of XXXX XXXX  was apart of a national lawsuit involving unfair and illegal tactics handling, updated and furnishing inaccurate information regarding consumer reports and information. Please DELETE from all consumer reports IMMEDIATELY. 

SANTANDER XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

A week before XXXX XXXX XXXX XXXX i went to the Regions Bank in XXXX XXXX XXXX, Fl. I proceeded to deposit money into the ATM and a security guard saw the whole thing happen. The ATM gives me an error and i go inside the branch to get help. They provide me with a phone number and case number to call and speak to customer service. Weeks and months go by of me calling and no representative being able to help me. I call the branch and no one is able to help me. They just tell me to wait. I should be able to trust my banks atm, not fear it swallowing my money into an empty pit for me to never receive again.
Consumer complaint received 2019-12-18
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. (GA)

Equifax is incorrectly reporting that my year of birth is XXXX. My year of birth is XXXX. 

The following inquiries was not authorized by me. Please assist me in getting these inquiries removed from my credit file. 

XXXX XXXX ( 2 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

I'm not sure but i was told by an agent after I'd withdrawn funds that the depostitor who had sent me the money had sent a bad check therefore they held me responsible and closed my account and damaged my credit score more than it already was.
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. Thank you. The company is JEFFERSON CAPITAL SYSTEM
Consumer complaint received 2019-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (HI)

We bought a house in Hawaii in XXXX 2018 with VA mortgage loan from the XXXX XXXX. After I made the first mortgage payment on XXXX XXXX 2018, my mortgage was sold to Wells Fargo. 
The problem is the first payment I made includes the principal payment of {$65000.00} which was posted by the XXXX XXXX on XXXX XX/XX/ 2018 and reversed later in XXXX saying the loan was sold to Wells Fargo and I was informed that I need to speak to the new mortgage bank, Wells Fargo by the XXXX XXXX 
Wells Fargo did some research asking me to send them the payment proof ( a cancelled check copy and the bank statement ) in XXXX 2018 and responded me back saying there's nothing they can do but posting {$65000.00} on XXXX XXXX 2018, not XXXX XX/XX/ 2018. The XXXX XXXX is saying my loan was sold to Wells Fargo at the end of XXXX and Wells Fargo is saying the loan was sold on XXXX XXXX but they received the payment on XXXX XX/XX/ 2018. 
The mortgage sales between XXXX banks should have not affected on my payment date and the principal payment {$65000.00} had to be recorded on the date I made a payment and the mortgage interest needs to be recalculated based on the actual payment date, not based on when XXXX banks made a transfer each other.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 


Account name : XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

Two Adverse accounts with Ad Astra Recovery Services Inc listed with collection agency, One for {$310.00} and the other for {$3200.00}. These accounts negatively affect my credit file with the 3 Bureaus.

XX/XX/2019 -Sent certified letter to request Validation of Debt to Collector XX/XX/2019- company mailed out statements of debt owed, not Validation.

XX/XX/2019- I sent a 2nd certified letter to collector stating " I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation and also listed case law Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ).

XX/XX/2019-They sent over the same statements failing to validate the debt.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have attempted to contact Experian via internet and phone multiple times to open a dispute about my identity theft and unless i'm willing to buy there protection services i get put on hold and hung up on. today alone i spent over 2 hours on the phone and after trying multiple numbers XXXX  from the internet and following every step. the result is the same. I get hung up on. My Lift is being altered by the information they are getting paid to keep track of that is inaccurate and i cant even get them on the phone to talk to me about it.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DIGITAL FEDERAL CREDIT UNION (MI)

I signed up for a vacation package ( XXXX ), a few months later I realized I never received what I paid for so I decided to dispute the charges and try to get my hard earned money back. I reached out to XXXX but they kept trying to give me the run around and not refund me so I reached out to my bank ( Digital federal credit union ) to dispute the charges and attempt to get my money back. They were somewhat helpful at first but I login to my account today and see that the charges were reversed and my account is overdrawn without any explanation. So here I am now making a complaint because I feel like I am being robbed and scammed by XXXX and Digital federal credit union is in cahoots working with them. I am very disappointed
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (AL)

This company is a debt collector and has put information about me on my consumer report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Portfolio Recovery never proved that I owe this debt, I never signed anything with them. It wsa also send and recieved after the 3 year statuate of limitations was up. It is still showing on my credit report. I believe they have been suid for this very practice.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As of XX/XX/2021, it has been 6 months since my Mortgage Loan Account has been closed with a XXXX Balance with XXXX XXXX. XXXX XXXX has failed to provide me with the Law or a copy of the Actual Updated information in which XXXX has illegally reported to Equifax on my behalf causing me harm and lowering my credit score-XXXX points on XX/XX/2021. XXXX XXXX nor XXXX has the Legal Right to Report or update any information pertaining to me.
Consumer complaint received 2022-01-04
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. (PA)

THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE LATE PAYMENTS : 1 ) XXXX XXXX 2/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX ( CLOSED WITHOUT KNOWLEDGE )
Consumer complaint received 2021-06-04
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: EQUIFAX, INC. (FL)

On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

We had a short sale contract we presented Shellpoint mortgage company during which time they transferred our loan to XXXX XXXX without our knowledge until a week before our foreclosure date. Shellpoint sent our home to foreclosure and XXXX XXXX would not help us remedy the situation even with a short sale contract.
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I was mailing a check to the XXXX XXXX, I put it in the mail box on XX/XX/XXXX. 
I checked my balance on the 1st. and found out that someone has cashed it with the amount of XXXX XXXX The mail box was broken into.
Consumer complaint received 2021-06-04
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: TRUIST FINANCIAL CORPORATION (VA)

I have been a BB & T bank customer for over a decade. I am having an issue with the bank and hope either you can help me, or point me in the correct direction of someone who can. 

I submitted my XXXX rewards points for a {$500.00} cashback reward. It never showed up. 

Upon further investigation, BB & T sent it to an old address ... a home from which my family and I moved in 2017.

I reached out to BB & T in 2017 to make the needed address changes. While we moved our mortgage, we still use BB & T for our checking, savings and credit card, and we continued to receive BB & T correspondence at our current address. 

Now, when the reward check went to the wrong address - BB & T states it was because I did not make the proper address changes. That is confusing - as I did, in fact, make the address changes and as I stated, did get BB & T correspondence at my current address. 

I am concerned that BB & T markets its rewards programs as its own. When you log into the program, the BB & T rewards website landing page has BB & T at the top of the page and throughout the rewards online program pages. Yet, now that the {$500.00} rewards check did not find its way to our current address - BB & T responded with my repeated online messages that the problem is resolved because I did not change my address ( on what appears to be a 3rd party vendor and not BB & T ) and will only get the {$500.00} cashback reward if the check doesn't get cashed by someone else. 

BB & T needs to make it clear this is not a BB & T program and that all customer service items, such as address changes, need to be addressed with whoever that 3rd party vendor is. 

Not only am I currently out {$500.00}, I am confident this has happened to other customers as well. 

Can you please help me get the {$500.00} cashback reward that is owed to me? 

Thank you for taking the time to read through this email and for any action you can take to help me.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing about American Express Business Platinum card. I called Amex on this number XXXX to asked for a retention offer on XX/XX/2018. After looking into my three-year account history, the representative offered me two retention offer. One is getting XXXX Amex rewards points without spending requirement and another is a higher offer with spending requirement. When I asked him to repeat the offers again so that I can write them down to consider, the offer became getting XXXX Amex rewards points without spending requirement. I pointed it out that my offer was XXXX amex points 5 seconds ago. He simply said he read it wrong at the first time. The best he can offer is XXXX amex points without spending requirement. I asked to speak to a manager. He said he is the manager and this is the best retention I can get. I asked to speak to another manager. He insisted there are no other managers around at that time ( it was around XXXX XXXX EST ). I  ended up believing what he told me. Reflecting on our conversion, I am very uncomfortable, dissatisfied and angry with the customer service I received. Obviously, he was lying to me and took advantage of me.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, XXXX XXXX Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged : 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 XXXXXX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2019-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (CA)

on XX/XX/XXXX, i spoke to XXXX XXXX at Central Portfolio Control XXXX about the judgement lien against the property. 
We have agreed that the debt will be settle for {$4700.00}. Escrow called on XX/XX/XXXX to pay off demand, XXXX gave a pay off of {$5200.00} and must pay this before XX/XX/2019 Cental Protfolio Control is increasing {$520.00} interest rate in 15 days for a balance of {$5500.00}, is this legal? 

my contact info is XXXX, phone # XXXX