davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION (SD)

i was presented a large check of over {$40000.00} by the trustee of my family trust, the trustee is my step father and he used Regions Bank to handle the funds of the trust. the closest Regions bank branch to me is over XXXX miles away. so before traveling to the XXXX iowa branch i spent considerable time on their " green line '' trying to get through to a person so so i could get that branches telephone number. i spoke to a lady there named XXXX and gave her the details of the trust check including that the trust had liquidatedproperty and made out checks to my XXXX sibblings, and to XXXX of the trustee 's family that were double what my and my sibblings checks were for. this was on a wednesday. XXXX told me she would call me back on monday after she contacted their legal department to verify the info. i did not ever recevive a call from her and then on XX/XX/29 i called her back and had to leave a message for her to call me. over 2 hours later she returned my call and said that she had verified everything and there would be no problem giving me a {$40000.00} cashiers check and the rest in cash minus the fee for cashing the check ( {$20.00} ) and the fee for the cashiers check deducted from my cash. she thanked me for my patience and the 2 week advance notice. 
less than 1 hour later she called me back to inform me that they could not sell me a cashiers check because i was not an account holder and therefore would not under any circumstances cash the check for me. they know that i do not have a bank account as i am XXXX XXXX XXXX and have no job or income so no need for a bank account. 
this bank is refusing to cash a verified genuine check written on their bank and therefore are drawing interest daily on MY MONEY ( ie : stealing from me as they will not pay me said interest money that is rightfully mine. ) when a bank does not have to honor the checks from a customer because he does not have an account with said bank, but honored 5 other checks written at same time to mostly non account holders with their bank. ( one such beneficiary of this trust lives in Pennsylvania it ) is a breach of trust in the banking system as a whole. i now want all but the {$20.00} check cashing fee ( as advertised on their website ). in cash, i no longer wish to possess any of their banking products!
Consumer complaint received 2019-10-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

On XX/XX/2019 I received notice that my loan was in active foreclosure. I called into Freedom Mortgage to discuss the options and was advised to contact the foreclosure attorney once a reinstatement amount has been determine. I didn't understand how I was in foreclosure when there was a large payment that was sent in on XX/XX/2019 for XXXX. The representative explained to me that the funds sent was not enough to make a full payment and the funds remained in " suspense ''. " When the loan was referred to foreclosure, the funds are allocated as Freedom Mortgages sees fit, which was to escrow ''. I was confused since our monthly payment was elevated due to escrow shortage to begin with. I was not aware a company can move funds around without the consent of the consumer. I feel as though Freedom Mortgage purposely moved funds to escrow which expedited the foreclosure process. I talked to a supervisor in collections ( XXXX XXXX ID # ) and explained my situation and ask that funds be moved to reduce the outstanding balance, he apologized but was unable to assist. The supervisor said the foreclosure department makes the decision and agree that I contact CFPB to address my issue. 
I would like for freedom mortgage to move my funds to reduce the outstanding amount I owe in payments. The funds sent was never intended for escrow and it's not contractually stated the mortgage company can dictate how funds are applied regardless of the status of my account
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

On XX/XX/19 a payment was submitted for {$1000.00} it should have been for {$100.00}. I called the company and the representative said 3-5 business days to see if it will be approved. My bank is overdrawn and I need the funds back into my bank account as soon as possible.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oklahoma Student Loan Authority (IN)

What follows is an email and letter sent to the Oklahoma Student Loan Authority ( OSLA ) on XX/XX/19. I have previous asked OSLA to remove the delinquency from my credit report and was told that they would not do so. This is a clear violation of Section 623 ( a ) ( 2 ) because they updated my account into a forbearance status for the months I was previously delinquent. They did this to bring my account current. While the original report of delinquency was correct, 623 ( a ) ( 2 ) requires OSLA to update the credit report by removing the negative report and showing the payments as current. They have refused to do so.

Pursuant to section 623 ( a ) ( 2 ) of the Fair Credit Report Act ( hereby, FCRA ), you are in violation of failing to correct and update information. It is the responsibility of OSLA to not only report non-payment to credit bureaus but also to update original reports with new information. 

My accounts have been updated by OSLA with a retroactive forbearance to bring my account current ( this has been confirmed via a recorded phone call at XXXX on XX/XX/19 ). A courtesy I greatly appreciate. However, OSLA has not reported the update to the credit bureaus as my loans being in current instead of delinquency. This is a FCRA violation. 

Furthermore, precedent has been set by the Federal Trade Commision ( FTC ) to substantiate my claim of legal violation. XXXX, of the Department of Education, inquired of the FTC as to if furnishers are required to update credit reports to remove delinquent and defaulted loans from an individuals credit report. The advisory opinion received is clear ; furnishers are indeed required to immediately update the credit reports. Please read : This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ( Emphasis added ). https : XXXX To be clear, OSLA does have a legal responsibility to accurately report payments as paid or not paid. It also, however, has the legal responsibility to update the reports as new information is available. My formerly delinquent loans have been given a forbearance in the months in which they were delinquent. Therefore, the negative report sent to the credit bureaus must be updated to show the accounts as current, not delinquent, for all of the 2019 year. 

This letter is being sent to OSLA via email and standard postal service. CFPB is also receiving a formal complaint to ensure accountability and expedited service. Please correct my credit report immediately. 

Account affected : XXXX Loans affected : *********** *********** *********** *********** *********** *********** Thank you,
Consumer complaint received 2019-04-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/XXXX I had a medical bill with XXXX XXXX. This bill went to their billing XXXX  internal billing dept. I had called to pay the amount owed in XX/XX/XXXX and the XXXX told me that they would link all my account together and I paid XXXX. Since that date, all of XXXX and XXXX, I have paid all co-pays, or other bills that were patient responsibility not knowing that this bill was still open and I never got another bill. It was not linked and XXXX XXXX couldn't tell me why.
Consumer complaint received 2019-10-01
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)

RE : XXXX REPORT CONFIRMATION # : XXXX CONFIRMATION # : XXXX I have called numerous times to get three accounts taken off my credit report. 
1. XXXX XXXX XXXX , XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, TX XXXX Opened : XX/XX/2019 Amount : {$580.00} ( See copy of enclosed letter ) 2. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Opened : XX/XX/2019 ( They called my phone asking what credit card I would be using for a payment!!! ) 3. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Opened : XX/XX/2019 These are not my accounts, YET THEY KEEP SHOWING UP INDICATING THAT THEY ARE MINE. THEY ARE NOT!!!! These belong to a lady named XXXX XXXX. My name is XXXX XXXX XXXX. I never go by XXXX, and it's always XXXX XXXX, NOT XXXX. I am told by XXXX that they can not remove them and to contact the companies. The companies tell me to contact XXXX. I am just getting the run around. I recently retired and am in the process of paying off all my debts and having someone else 's accounts on my credit report is not helping!!! I also have alot of hard inquires listed that are NOT mine!!! 
1. XXXX, XXXX. 
2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX First of all, i have NEVER borrowed money at a finance company, nor would I ever step foot in a XXXX XXXX   XXXX.
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Statute of Limitations expired The statute of limitations expired XX/XX/2022 and I did not receive any notice until XX/XX/2022. .I have written them explaining that the debt is no long good because of the statute. They do not agree.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I have been trying to get my security freeze lifted from Experian for 60 plus days. I have sent letters to three P.o. Boxes, the letters have been returned undeliverable. I have sent letters over the past 9 months to XXXX. XXXX  XXXX the required XXXX XXXX for security freeze lift request with proper verification. Experian has not complied, has not sent me a copy of my credit report in 9 months. All I'D is valid and verifiable. I have 8 letters of Denial from banks and credit card companies that pulled Experian credit report that state Unable to locate credit report or state there's a restriction on my credit report, other creditors state Unable to verify credit score. I have filed a complaint with the XXXX  and have had no success. This is hindering me from obtaining credit, a mortgage, and verifying my Experian credit score. I have called every toll free number for Experian and can not get a live operator, can not obtain credit reports using annualcreditreport.
Consumer complaint received 2019-10-01
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: U.S. BANCORP (OH)

I opened a US Bank Business Cash credit card when opening my business checking account. I was shown a pamphlet outlining all the various credit cards the bank has and was asked to pick which one best fit my needs. The credit card I picked had a bonus offer of {$500.00} statement credit after {$4500.00} spend. I asked the banker if I would get the bonus and was assured that I would. This is the standard new card member bonus that is advertised on all US bank credit card material. This material can be found in branch, on the website, on social media. It's literally advertised on every piece of promotional material I've seen about this card. 

Upon meeting the minimum required spending I waited for the statement to close. When the welcome offer was not awarded I called the bank to inquire about the issue, this is when I was informed that this offer was not linked to my account. I asked the bank to please resolve this matter, and was instructed to send in copies of the offer I received and cited during the application process. I faxed those in to card member service and received a latter today XX/XX/30 that they are unable to add the offer due to applying in branch. I spoke with my banker and they escalated the issue up the chain, but I assume this is why I have received this letter. This is not a targeted or special invitation offer, this is the standard welcome offer that is advertised everywhere. 

I have been a US Bank customer for quite some time and have 2 other credit cards open with the bank. Both of those cards were opened in branch with a banker and both of them have had the same type offers advertised. I had no trouble getting the previous welcome bonuses, so I do not understand the issue now.
Consumer complaint received 2019-10-04
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: NAVY FEDERAL CREDIT UNION (FL)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In  general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX inquiry from XXXX XX/XX/XXXX inquiry from Navy Federal Credit Union XX/XX/XXXX inquiry XXXX   XXXX XXXX I Called XXXX and XXXX twice they did not remove these inquires. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DOB : XX/XX/XXXX
Consumer complaint received 2019-10-01
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. (CA)

On XX/XX/2019 I have received an email regarding a new credit inquiry under my name for a Citibank Home Depot card/service.

I have immediately contacted Citibank to dispute the inquiry and they directed me to contact XXXX to dispute it. 
I have contacted XXXX and they requested that I send them a letter with information to verify my identity and request to dispute the inquiry. I have mailed the letter and all the information to them on the same day. 

Since I haven't heard back form anyone and it's been almost 3   months I have decided to contact XXXX today and check the status of the dispute. 
They confirmed that they received my letter. 

They told me that they can't do anything about it without Citibank sending them a letter saying that they agree to remove the inquiry. 

I have called Citibank to request that they will do that and they said that the only way for them to help is if XXXX will contact them directly to request this information. 
I called XXXX again and they said that they don't contact anyone, " the only hold information ''. I called Citibank again to let them know that XXXX don't contact anyone and that I need them to contact XXXX or send me something that I can then transfer to XXXX  and they said they won't do it and the only way that it works is if XXXX  will contact them. 

Citibank agree that they don't have any authorization from me to run this credit inquiry, yet they won't help me fix this fraud. 

I have been trying to speak to 5 different reps and managers at XXXX and 5 different reps at Citibank to try and resolve this, sent letter, verified my information, spent hours on phone call and I am still stuck between this two with no one to help me. 


PLEASE HELP ME! 


Thank you.
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

This complaint submission is in regards to a false credit report by LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information reguarding this alleged debt. I then spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through fax confirmation that LVNV FUNDING LLC representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time LVNV FUNDING LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$13000.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. After several attempts to rectify this matter, LVNV Funding then sent my personal information to a 3rd party referred to as ( XXXX XXXX XXXX ) who claimed to represent the company. At that point, they began demanding more personal information and stated I need to pay them in regards to the debt owed. I am firmly requesting LVNV FUNDING LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX XXXX XXXX XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. LVNV FUNDING LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ME)

Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter and to add on that they are at fault when it comes to reporting these matters. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
1.Account Name : XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX 2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2019-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I got this letter / bill in my mail box stating : Dear XXXX your account was sold to XXXX XXXX XXXX XXXX. Your bank or creditor made a business decision to sell your debt. We purchased your account on XX/XX/2014, that was 5 yrs ago. A letter is coming to my address when XXXX died XX/XX/2014 all creditors were previously notified in writing and with a phone call. Its very disturbing to get a letter like this concerning a loved one who is deceased. Capital One the original debtor was notified. Before collection is done they perform skip tracing and check XXXX, it shows if the person is deceased, date of death, etc. I know because I used to do collections. I truly believe this company bought this debt knowing XXXX was deceased thinking family members who are not responsible will pay. They need to be fined for deceitful debt collection practices.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

After receiving a letter from my Insurance Agent ( XXXX XXXX, XXXX, NJ XXXX, Phone : XXXX ) warning me of the imminent cancellation of my flood insurance policy due to NON-PAYMENT BY ROUNDPOINT, I called Roundpoint Mortgage Servicing Corporations customer service on XX/XX/XXXX at XXXX to inquire as to WHY my flood insurance policy had not been renewed and was told by Roundpoint 's customer service representative that it would be renewed right away. 

Apparently, nothing was done because several days later I received a letter from Roundpoint telling me my flood insurance had lapsed and they were going to bill me {$2300.00} for THEIR flood insurance coverage. They also erroneously stated my home was in " Special Flood Insurance Hazard Area '' which it is not. I have had Flood Insurance through National Flood Insurance Program and FEMA since 2013 - and XXXX XXXX is the issuing Insurance Agent that is payed the premium. 

So, despite the fact that Roundpoint collected Flood Insurance escrows from me, I was forced to renew and pay for this coverage myself out-of-pocket, ( amount of {$450.00} ) due to Roundpoints failure to renew this coverage in a timely manner. 

I expect Roundpoint Mortage Servicing Corporation to contact ME to rectify any issues with respect to any escrow imbalances or shortfalls that may have occurred due to their failure to renew my flood insurance policy, and/or issue my a refund of my flood insurance escrows that they are holding.