davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (FL)

XXXX  XX/XX/year> I have a Regions Bank checking and savings account for over XXXX yrs, The Region 's banking branch in XXXX XXXX, Fl. I my bother asked me to cash his SSI check {$910.00} he was with me and we both provided the back teller our ID. The bank teller refused to cash the check and went to the manager in the back and also refused. I never had any issues before cashing my brothers check. 
Please have this case investigated. the assistant manager her name is XXXX was very rude and not professional at all telling me to have a 3rd party cash this check. She stated they have problems with XXXX  checks. If that is the case then us have a problem in the XXXX.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizen bank staff recommended me to apply for a credit card in XXXX.The application is rejected for the reason that Citizen bank doesn't grant credit cards to XXXX XXXX XXXX/ XXXX XXXX XXXX.

However, the bank did not specify such information before the application.In fact, in order to earn commission fee, the staff actually strongly recommended me to apply the card, even if she knows that credit card has never been granted to a XXXX XXXX.

Citizen bank failed to disclose crucial requirement for application therefore is subject to misuse of credit information. I'm filing this complaint to require Citizen bank to re-evaluate my application based on credit score, not my XXXX XXXX. 

My Citizen case number is : XXXX
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I financed TWO properties with under an LLC and Select Portfolio Servicing is the servicer. The business has filled Chapter XXXX bankruptcy. SPS has been notified of this multiple times and, has been advised to stop calling my personal number from a previous CFPB complaint in which they were calling after hours, and are still using my personal number to call to collect a debt. In addition, I spoke with " XXXX '', on a recored line ( I have a copy ) and advised her there should be no reason she should be calling my phone after she advised there was an open review on the account. 

I also want to add there is an open review on the account ( for a loan modification ) and they referred the account to an attorney for foreclosure which violates dual tracking laws, which in itself is another violation that SPS should be investigated for.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

My checking account was wrongfully closed. After XXXX XXXX falsely accused me of harassment to them. I even have a letter from them stating that my checking account was due to XXXX XXXX. People think in XXXX XXXX age group that they are so mart but their not. They don't have a right to close my account based on defamation of my character. They are full of it as usual. This incident occurred at their bank. She brought the neighbor 's problem to the bank. So wells fargo is responsible for thier employees actions. They can deny they wrongfully closed my account all they like. I was stalked by XXXX XXXX and this was why. I was made to come to the local branch. This is a clear violation of my civil rights, for them to ban me from wells fargo. AFTER XXXX XXXX falsely accused me and called the police on me. While I was at the branch. I had no problems prior to XXXX XXXX wrongfully interfering with my banking business. This is a clear violation of my civil rights telling me not to visit any wells fargo. They are the ones who continue to cover up for XXXX XXXX. This is why I am due compensation from XXXX XXXX for falsely calling the police. This will add to my lawsuit their continue denial of them siding with their employee XXXX XXXX. I was WRONGED here by the entire wells fargo bank. Only after XXXX XXXX knew she would get away with it. Because XXXX XXXX is one of their friends covering up for them. This was down right CRUEL what was done to me and my son. XXXX XXXX acted like she was going to settle. But she is just as evil and criminal like XXXX and XXXX XXXX. These young people think they can outsmart everyone else who is older than them. 

I am banned from doing any business with wells fargo. Because of XXXX XXXX. 

The problem is they weren't exercising their right to close my account. The first year that I had my account until XXXX XXXX falsely accused me of them. Is when they exercised their right to close my account. They keep missing that part. I was wronged by wells fargo and continue being wronged. With them saying they terminated the business relationship. All due to XXXX XXXX falsely accusing me to XXXX XXXX. 

I haven't done anything to deserve this type of treatment. It was unfair for my account to be closed. Based on a LIE. This is where I am owed compensation and how XXXX XXXX falsely accused me of harassing her XXXX XXXX was on their property. When she messed with me. She just kept messing with me. XXXX XXXX keeps ignoring the face like they all have. That my account wasn't closed until XXXX XXXX falsely accused me. 

Wells fargo is responsible for my pain and suffering and emotional distress. 

My new checking account only had been open not even a month. When it was closed.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (MD)

On XX/XX/XXXX I tried to set up an online account to no avail. It requested my mobile phone to send a text for verification. I do not have a cell phone. I tried the automated system for the XXXX time to no avail. It states thats they can not locate my account in the system by account number or ssn. I have to make payment via customer service rep. I mention this several times and was told because I do have a phone number on file it can not assoc an account with me even by the acct number. On XX/XX/XXXX the company closed at XXXX so by the time I could not make payment through the automated system or set up an act I was assessed a late fee. They are very much aware of the situation but refused to remove the fee. They said I had a late fee in XXXX of XXXX. Mind you my loan was sold to this company and a new acct was given for XX/XX/2023. I will also be filing my complaint with the attorney generals office in XXXX as well. Also, the reps are trained to to not give their name.
Consumer complaint received 2020-02-26
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)

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. I also saw that I had a debt of child support and I have never been put on child support. I did some deeper investigation and I was told that someone used my name to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. These are fraudulent accounts. 

XXXX XXXX XXXX  XXXX {$8500.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$14000.00} DPT ED/XXXX XXXX {$62.00}
Consumer complaint received 2020-02-26
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)

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. I also saw that I had a debt of child support and I have never been put on child support. I did some deeper investigation and I was told that someone used my name to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. These are fraudulent accounts. 

XXXX XXXX XXXX XXXX {$8500.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$14000.00} DPT ED/XXXX XXXX {$62.00}
Consumer complaint received 2020-02-26
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. (SC)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A FEW ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

We Filed Bankruptcy in XXXX of XXXX. XXXX Delayed the release of the bankruptcy by 60 days because they would not reafrim the loan. To this day, they still have not reafirmed the loan. The paper work has been sent several times with no explanation other then they did not get the paper work. I have confirmation now that they have received it. We were released from Bankruptcy in XXXX of XXXX. They also took it upon themselves to change the way they pay our property taxes. We asked that they pay it at the end of each year and they have not changed that deciding to make it the 3 payment option after the XXXX of the year.
Consumer complaint received 2020-02-26
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. (SC)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A FEW ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Consumer complaint received 2020-02-26
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. (VA)

I was trying to help my mom get a car and there are accounts that I dont know anything about XXXX/XXXX, XXXX  XXXX, XXXX, XXXX end inquiries 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 I have contacted the FTC and local police.
Consumer complaint received 2020-02-26
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: Experian Information Solutions Inc. (IL)

I have three bankruptcies reporting on my credit report with Experian. Ive contacted them and told them I have proof from XXXX XXXX which is where they are getting there public information from that these bankruptcies was removed from my public records because they were open fraudulently they dont belong to me.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

I previously advised that I am disputing the fees assessed to reinstate this loan and I am requesting a full and complete break down of the itemized fees listed in the Reinstatement Quote, to include but not limited to the Expense Advances, Late Charges, and Foreclosure Expenses. Additionally, a RESPA Qualified Written Request ( QWR ) has been mailed to Freedom Mortgage, XXXX XXXX XXXX, XXXX, IN XXXX. Freedom Mortgage has continuously added unnecessary and absorbent fees to this account. On a recorded call to your loss mitigation department on XX/XX/XXXX, XXXX ( ID # XXXX ) and requested a supervisor to discuss the account. As of today, that supervisor XXXX has yet to call me back. The same day, per my online account, you added another {$100.00} fee with no justification or explanation for what this fee is for as well as another {$15.00} property inspection fee with no valid proof or need for this fee. Additionally, considering Freedom Mortgage received an electronic payment of {$1100.00} on XX/XX/XXXX that has not been returned ( as shown in the attachment below ) your assertion above regarding the amounts due is automatically flawed. To start, this is an FHA loan and I have been unjustly denied a loan modification after requesting one through the servicer and am in the process of filling a complaint regarding this. Per 12 C.F.R. 1024.41,  servicer are restricted from continuing the foreclosure process if the homeowner is working on securing a loan modification or other alternative to foreclosure. Per their letter dated on XX/XX/XXXX, your review was not closed until well after the time period prescribed by the dual tracking provisions in the law. Additionally, Freedom Mortgage XXXX XXXX was CCd on a prior email to Freedom Mortgages Loss Mitigation department in which he forwarded to XXXX XXXX for response on XX/XX/XXXX. On the same day, I responded to her email and CCd Mr . XXXX  a copy of the email in which the documents that Freedom Mortgage asserted was not received and never received her response or further contact. Finally, and most importantly, I believe they are violation of O.C.G.A. 9-13-140. In which the lender must properly advertise the foreclosure sale once a week for a period of four weeks immediately preceding the date of the sale in the legal organ of the county where the property is located. I am only seeing ONE advertisement in XXXX XXXX XXXX XXXX Report dated XX/XX/XXXX, which is LESS than four weeks prior to the sale date of XX/XX/XXXX. Additionally, I have requested the egregious fees to be removed. Freedom Mortgage has not responded.
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NJ)

I AM TRYING TO PAY THIS DEBT. SPOKE TO THE COMPANY NUMEROUS TIMES AND AGREED TO A SET AMOUNT. HOWEVER I TOLD THEM I WAS NOT PAYING UNTIL I RECEIVED WRITTEN CONFIRMATION THAT A ONE TIME PAYMENT THAT WE AGREED UPON WOULD DEEM THIS ACCOUNT PAID IN FULL AS I NEED THIS TO MOVE INTO AN APARTMENT SO TIME IS OF THE ESSENCE. RECEIVED VERBAL COMMUNICATION MULTIPLE TIMES IT WOULD BE SENT AND IT NEVER WAS. I NEED THIS RECTIFIED ASAP. SOON AS WRITTEN CONFIRMATION OF PAYMENT IS RECEIVED I WILL PAY. WE ALSO AGREED UPON A CASHIERS CHECK BEING SENT WITH TRACKING A WRITTEN CONFIRMATION OF PAID DEBT IN FULL 72 HOURS AFTER PAYMENT IS RECEIVED. THEY NEED TO ABIDE BY WHAT THEY COMMITTED TO.
Consumer complaint received 2020-02-26
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. (IL)

experian will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX  XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter. 
experian also failed to reply back to me on this dispute 2 in which the took over 30 days which violates fcra law on dispute resolution time.
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This account has not been properly verified for inaccuracies. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Every bureau is reporting a different date of last activity and date opened for this account.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (TX)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2024-04-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

Re : illegal billing fraud and collections practices by XXXX and Amsher Collection Services 1 . A XXXX Collections Agency in Alabama contacted me about an unfamiliar account under my name and my business name. I explained that I have a longstanding account with XXXX and that I have had tis account for 22 years and that is paid in full monthly with a XXXX balance. I explained that I have not received any letters, emails. or texts from XXXX regarding any account in collections. I stated the account was Fraud. I asked that they immediately send me all details related to this account and how they obtained my personal contact information. Amsher Collection Services refused to provide any details about the account they claimed was in Collections.

2. I requested that XXXX  business department and Amsher Collection Services give me all the information regarding the debt they were contacting me about, but I have not received any communication from them. 
XXXX. Both XXXX  and their Collection Agency failed to provide any billing details or evidence of the debt, which is illegal. 
XXXX. I have filed a Police Report in XXXX, Louisiana regarding identity theft and XXXX XXXX XXXX activity at my company. The false debt on my credit report needs to be removed immediately. 
XXXX. The involvement of Amsher Collection Services and XXXX in placing this fraudulent business account on my personal credit report without due process is a violation of the Fair Credit Reporting Act and must be resolved promptly. XXXX contacted me and advised that Amser Collection Agency is reporting the fraudulent XXXX account as Delinquent to Credit Reporting Agencies . Again, this is illegal.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

American express has been posting wrong charges on my account since XX/XX/XXXX, and I have contacted them 4 times, they refused to issue refund and accuse me of being wrong. They wasted lots of my time and the issue is still not resolved. 

Here is a list of charges with date and amount : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NY)

My issue is with US BANK. I took out a balance transfer for {$2400.00} that isn't due in until XX/XX/2021. In order to avoid paying interest, I always pay off my statement balance purchases. And yet every time I look to my statement, I've been seeing interest charges. I've made several calls to US Bank and every time I get a different story. For the first 10+ customer service calls, the story was that it was a " mistake '' and sometimes interest fees were reversed. Then, a customer service rep told me I needed to pay my purchases, plus the " minimum due '' - add those together and pay those. I did that, and then interest charged popped up again with a charge of {$30.00}. Now I called them and finally, after what must have been over 10 calls, that because I have the balance transfer, they now charge interest in my purchases. I don't know if it's ethical, but it feels like the rules of the credit card changed once I got the balance transfer.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MN)

My debit card was stolen and was used to make purchases. I reported the card was stolen to the police department and to Wells Fargo bank on XX/XX/2023. The bank closed that debit card, and mailed me a new debit card. However, the bank allowed a company to charge my card TWICE on XXXX XXXX, and again on XX/XX/2023, for $ XXXX each. 

I am not sure how Wells Fargo Bank function in this climate, this was not an ACH transaction/ Checking account transaction, this is a debit card that was already closed. I had to go to the bank to make deposits to cover this transaction. 

This is a subscription charge and the provider have a different debit card from a different bank.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

( XX/XX/19 ) Received email that my account is " delinquent '' from missing a payment, called and ECSI representative said it was a mistake ( XX/XX/19 ). 
I made a payment and re-set up automatic payments moving forward ( XX/XX/19 ). Account still incorrectly marked as delinquent and bringing down my credit score. 

Help is much appreciated!