davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION (GA)

XX/XX/19 Regions Bank Corporate Headquarter To whom it my concerns, My name is XXXX XXXX, I had 3 account with your bank, ( 1 ) Checking XXXX, ( 2 ) Now Card XXXX ), and ( 3 ) Saving XXXX. On XX/XX/19 at XXXX XXXX, I try to Load {$500.00} on to my Now Card ending in ( XXXX ),  while at the XXXX XXXX branch in XXXX XXXX, doing so the ATM shut down without giving me a receipt for the {$500.00} and keeping the Now Card ( XXXX ). At that point I call the XXXX spoke to a XXXX and he suggest I go the near branch, to retrieve my {$500.00}. Which I did, plus calling the bank while in route and spoke to a XXXX at the XXXX XXXX XXXX, she told me once I get there she ( XXXX ) would be able to file a claim. In walking in the bank I met with XXXX and she took my statement and gave copies of everything. XXXX told not to worry because even with a receipt for the {$500.00} the camera and my Now Card would show proof of my deposit. I told her I had XXXX and so change on my Now Card ( XXXX ), since I close this account I need wait until Tuesday for the money for the old card to post to the new Now Card ( XXXX ), here it is XX/XX/19 and my money still have not posted. And, when I tell you I very UPSET about my money. Again on XX/XX/19 I call the XXXX I spoke to several people from that office before being transfer to XXXX who assure me that the bank was working on getting me my money, and to check my account on Thursday, well here it is Thursday and still no money. At XXXX, I call back to the XXXX number and XXXX who advise me to go to the branch where I made the deposit. The point is I had to make all the calls about my money, I feel someone from the branch or the claim department should have call me and at least apologize and let me know what is going on with my money. I am one step away for notifying the Federal Trade Commission about my problem with your bank and my money. There should have at least been given a courteous call if nothing else. 
However, as of XX/XX/19, the is refusing to give me my money bank, stay they need to count the money for XX/XX/19. It has been 2 weeks and all I got is a letter telling my claim has been deny. That is not right. Should I file a police report? Please help me tell me what I need to do. Thanks for all your support.
Consumer complaint received 2022-06-11
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NY)

I have been employed at The XXXX XXXX  in XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX. My previous employer was XXXX XXXX   XXXX XXXX from XXXX until XXXX. My Equifax credit report still lists XXXX as my current employer.
Consumer complaint received 2019-04-13
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. (NV)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc. (NY)

Two weeks ago I received a notification/alert from XXXX XXXX Identity Theft Protection that an account in the amount of XXXX had been opened in my name. I had not opened one so I called them. They verified that an account had been opened by XXXX XXXX XXXX XXXX ( " XXXX '' ), XXXX, MA phone number XXXX XXXX XXXX. 

I had no idea what this was about so I called them and they said I owed XXXX. They told me it was due to XXXX XXXX and that it was for my address in XXXX. I said I don't live in XXXX and they told me the address in XXXX. That was my son 's former apartment. He has not lived there in more than XXXX XXXX, but sublet the apartment up until XXXX XXXX XXXX. Apparently the bill was for the final gas bill. When he got the apartment, XXXX XXXX wanted to use my name as he had little credit history. ( I have not seen the bill, so I can only assume that the bill and amount are both correct and that I owed this amount. ) I told XXXX I never received the bill. They told me several copies of the bill had been sent and I asked where ; the bills had been sent to that XXXX address. I explained that no one was at the apartment who could have received it. I told them that I wanted to see the bill ( have not received it yet ), but to resolve this quickly because it went on my credit report, I paid it. 

It is quite disturbing that they would report me to the credit bureaus without trying to contact me at my correct address or call me about it. I learned from XXXX today that my score dropped XXXX points on account of this, as it falls into the very negative category of collections. I was about to apply for a personal loan and this impacts me financially quite severely. I checked with the two other credit bureaus and found similar effects. I have filed disputes with each of the agencies. 

This is unacceptable, predatory behavior and would ask that you investigate XXXX and reprimand them or censure them, or take other appropriate legal action. I am an XXXX ( I do not do consumer finance ), so I will have to see if this will have lasting impact. If this account remains on my credit report, I will strongly consider filing a suit agains XXXX. There is no way a credit report filing should follow on a debt that is not that old and when no one used due diligence to locate me and send me the bill at my correct address.
Consumer complaint received 2023-02-23
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: Bread Financial Holdings, Inc. (NY)

I received an alert from XXXX that there was a hard inquiry under my info for Bank / Credit Card Inquiry COMENITYCAPITAL/IKEAVC. 
I did not at any time make this application. Was on hold with ikea credit card fraud department for over an hour. No help provided. Just left on hold.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (CA)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to Aspire Credit Card. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Received a check from my deceased father 's life insurance policy for the amount of XXXX USD on XX/XX/2023 and deposited it. Check went in on XX/XX/XXXX but my account and funds were put on hold till the XXXX. The XXXX of XXXX came and went and my account still was placed on hold and still had no access to my funds, regardless of where they came from. My bank could not verify the origin of the check despite it being from a respected and known institution, which I find absolutely outrageous. After a long struggle with the bank i decided to close the account to open a new one elsewhere and have them resend me my check. My bank still hasn't let go of that previous check meaning i cant receive a new one and after speaking to the insurance company today ( XX/XX/2023 ) they said the check was cleared and cashed on XX/XX/XXXX without anyone calling to verify. I have not seen a single cent from that check and have gone through extreme hardships trying to get this situated. Neither company seem interested in helping me fix this issue.
Consumer complaint received 2022-11-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-01-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP (NY)

I applied in XX/XX/XXXX with Key Bank. XX/XX/XXXX before XXXX I was emailed a note saying Denied. Credit is great..so is income, no credit problems. Denied because I put XXXX in key bank in XX/XX/XXXX to use for closing. Bank said denied due to assets ... even though I proved where the money came from ... weeks later still no deniel letter ... spent XXXX on XXXX on on inspection, and XXXX down payment ... which i lost.
Consumer complaint received 2023-10-17
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Southwest Business Corporation (KY)

Two attempts made to properly fill out these forms. Both times rejected, assumed destroyed, and new ones re-sent, due to me not meeting previously untold requirements, according to SWBC, namely in-person notarization, and particular fields of information that allegedly went unfilled, even though thorough review of the 2nd signing attempt was overseen and notarized by an experienced notary public. 

A letter suddenly received days later ( dated XX/XX/2023 ; was not officially notified via email until XX/XX/2023 ) declaring the entire application for foreclosure prevention is now rejected and that I am ineligible, due to an unspecified deadline overrun for the forms to be submitted. Assuming this news is correct, my home will be foreclosed on as early as XX/XX/2023.
Consumer complaint received 2021-02-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (VA)

After multiple discussions with BMW Bank of North America I asked a representative from XXXX ( personal bank used for bill pay ) to confirm payment was made twice for the period they accused me of being delinquent. BMW agreed payment was made and updated my account but reported it against my credit with a massive impact to my score ( 60 point drop ). This is a concern not only because they reported incorrectly that I was late ( proved this via XXXX rep ) but also because they accepted the payment and told me I was late.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Comerica (WA)

Surprise charge of {$13.00} per month for maintenance fee on XX/XX/2023 and XX/XX/2023. I realized it today, XX/XX/2023. I was never given a warning that my account would be charged the fee. Nothing on website describes what it is for. I have been banking with this institution for over 10 years. I called and the representative said that this was because my balance was under {$1000.00} and this threshold was information that I apparently was given when I opened my account over 10 years ago.
Consumer complaint received 2023-01-18
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: Allied Collection Services, Inc. (Nevada) (IL)

This Health Care facility along with XXXX XXXX XXXX has violated my Health Insurance Portability and Accountability Act ( HIPAA ) Privacy rights.They are in Breach of Notification Rules or the Patient Safety Act and Rule. I did not give any consent to share my Personal health information. Why has this comapny frivolusly reported multiple accounts more than 5 times on my credit file with no consent. Along with violating my HIPAA rights, they are violated my FCRA rights according to the law 15 usc 1681. 
The accounts that are in violation are : XXXX XXXX XXXX Acct # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
Allied Collections Service Acct # XXXX. 

Why has this been able to happen?
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I froze some of the main CRAs underneath their first investigation I went to open a checking account under the assumption that they were doing their job by illegally and unlawfully and in violation of my privacy rights reporting or keeping records on me without my express written permission commit an identity fraud in my name and I'm talking about all of them right so there was a negative item on there brand new and I told him why I was under investigation it had to be removed off of that report cuz it was unvalidated information right they refused check systems right as soon as I am froze them so the bank can check it for me and run give me a new account that's what they did and then they said that they didn't report it and I said well somebody check your system right they might not have initially reported it they just kept it on file for people to look at it whenever they feel like it and then stop me from conducting XXXX XXXX XXXX  am I everyday course of business holding my accounts and restraints and denying me all XXXX XXXX XXXXXXXX XXXX  and not to mention breaking the law in the process of doing so after they were instructed not to I don't care what their policies are and that's not just for XXXX XXXX that's also for TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The CPFB glad you're here XXXX XXXX XXXX is taking so long with these people I don't care if they got 10 million complaints when you results or I'm going to be going to somebody else to get them right like chance to record or XXXX I don't know the federal FTC or the fair credit in reporting act they ever they can do reports too right or the XXXX XXXXXXXX honestly we don't know what these companies are people are doing behind closed doors keeping reports on us and who knows who knows who they're working for or what their real agendas or intentions really are I should be worried and social the rest of the people while they have files on. Cut and dry so I uploaded that a couple of things cuz honestly you can't check off XXXX XXXX XXXX that they're doing wrong with one dot one selection out of 10 when they're actually come in all those violations at the same time so the down there check every single blue dot on there thanks have a great day
Consumer complaint received 2023-10-10
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (OR)

During the first week of XX/XX/XXXX my wife spoke to someone at Sequim regarding an acct for XXXX XXXX. My wife stated we can make small monthly payments and made a {$25.00} payment in good faith. On XX/XX/XXXX I received a call from Sequim and had my wife call them back on my behalf. My wife requested a mailed statement from Sequim and the Sequim rep stated one was mailed in XXXX and one mailed on XX/XX/XXXX. We have not received any statements in the mail and when my wife again requested a mailed statement the Sequim rep said we can get this info online. My wife then told the rep we agreed to a {$50.00} payment on XX/XX/XXXX. The rep stated there was no agreement in their system. My wife asked for a detailed accounting of how the total balance Sequim is claiming is owed is made up and Sequim stated they can not provide that. My wife then hung up and sent an email disputing this debt as the amount is more that the last XXXX bill, we asked for the name of the creditor, the acct number and an itemization of the current amount of the debt that reflects interest, fees and payments made to date. Sequim responded by saying " Thank you for reaching out to us about your account. Attached please find for your review supporting documentation concerning the debt. If your questions concerning this debt have been resolved, you may visit www.sequium.com to make a payment using your debit/credit card or checking account. Please feel free to reach out to us if you need additional payment options. '' Sequim attached XXXX XXXX statements for XXXX - XX/XX/XXXX. The XXXX statement shows a balance of {$1500.00} and the XXXX statement shows a balance of {$1200.00}. Sequim shows an account balance of {$1400.00}.
Consumer complaint received 2023-02-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I am filing this complaint against Wells Fargo Home Mortgage, in regards to their refusal to refinance my mortgage and reimburse me for bonded titles I had to obtain on my own. 
Recently, on XX/XX/XXXX, I called Wells Fargo Home Mortgage and spoke with a XXXX XXXX, in reference to the recent judgement against Wells Fargo for deceptive banking practices, for those who had a mortgage with them between XXXX to the present. The mortgage I had with them falls into this timeframe. 
In XXXX, I had filed a complaint against them for the same reason as stated here, with them claiming no responsibility on their part. Due to the recent ruling against them, and the additional proof of their wrongdoing, that I am submitting in the attached files, I hope to prove their unethical practices were done to me personally. 
I received a reply letter to my XX/XX/XXXX phone call dated XX/XX/XXXX. In the letter they again dismiss any fault on their end. Their XX/XX/XXXX letter contradicts the letter I kept from XX/XX/XXXX. In the letter from nearly a decade ago, Wells Fargo denies they have any application on my part for a streamlined refinance with them, as they were my loan servicer. In addition, they also state I did not include my loan number in my correspondence with them, and they can not research my issues without it. In the self same letter from XX/XX/XXXX, my loan number is clearly stated at the top of that letter. I have included an attached file from XXXX of XXXX when I sold the property in question, clearly showing my account number. 
The most recent letter sent XX/XX/XXXX contradicts the XX/XX/XXXX letter, by stating that I did apply for a refinance after all and then goes on with some reasoning why they didn't approve my application. Deceptively, they state I did not provide documents in a timely manner and time expired. What they are not telling is the documents they required were copies or original titles to my manufactured home, two to be exact, one for each half of the doublewide. These are documents I did not or would not have in my possession unless I owned the home. The lender should have the titles or access to them until I paid the mortgage in full. Wells Fargo could not have this documentation as I came to find out it never existed or was missing. I was stuck with a home I could not sell, refinance, and if I did pay off the mortgage, I would have had no title to the doublewide. There was no reason to deny my streamline mortgage application other than the missing documents they did not have, but they were happy to just leave me with their problem. I had excellent credit at the time, high 700 's to low 800 's, steady employment, never late or missed a payment in the nearly 11 years I had them as my mortgage servicer.

Eventually, I was able to fix the title problems at my own expense by purchasing 2 bonded titles.
Consumer complaint received 2019-04-13
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)

I went to my bank to reply to a pre-approval I received from my bank. When I went to apply for the credit card my banker told me that I was not approved. I pulled my credit and there are things that are not mine. I have contacted the FTC and my local police. I am also doing this on my own behalf. DPT ED/XXXX, U S DEPT OF EDXXXX, XXXX, US DEP ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX AN ACCOUNT WITH NO NAME ENDING ACCT # XXXX. There are also inquiries that are not mine. 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