davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank offered a special promotion of paying a {$400.00} for opening an acct, doing 10 ATM transactions in the first month, and opening online statements. The bank has refused the {$400.00} payment because I failed to open online statement. They offered no reminder to do so but charged me {$4.00} for each of three months for not opening an online account. They can't have it both ways. The Executive Office stands by the letter of the promotion ... not the substance. As far as I am concerned Regions Bank stole my money. While their conduct may not have been illegal, it was certainly unethical and beneath normal banking standards. Obviously don't care about their reputation once this tactic is exposed to the general public.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

There are over 70 credit inquiries on my credit file with XXXX, equifax and XXXX  and as everyone knows credit inquiries take over a year or two to remove that inquiry. For over 65 of the credit inquiries I personally didnt apply for so i now need these inquiries on all my reports.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX or there about I submitted a dispute and it did not get removed when it Cleary was mistaken, it is in the letter I am attaching and the company representative said it clearly is to be removed
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Citizens Bank has repeatedly failed to respond to three claims of fraudulent wire transfers to another account at its bank. It was initially reported in-person at their XXXX, XXXX branch XXXX XX/XX/2022 to its branch manager, XXXX XXXX XXXX It was on that date that the fraudulent transfers were discovered. The subject account was originally opened and maintained at this location. 

On XX/XX/2022, I called Citizens ' customer service number ( XXXX ) to check on the report of the claims. I spoke with representative XXXX XXXX. She said she would escalate the claims. She also conferenced in XXXX XXXX to discuss. She took my phone number and said she would call me back. She never called me. I believe this is a recorded line. 

On XX/XX/2022, I called online services ( XXXX ) to follow-up on the claims and also emailed XXXX XXXX. The person I spoke with updated the notes on the account to reflect that I was calling for an update. 

On XX/XX/2022, I called online services again but wait time was very long. XXXX XXXX called me to see if XXXX XXXX has reached out yet. I let her know that I had not received a return call. 

On XX/XX/2022, I called online services again. I was advised that a claim had been open for two of the transactions ( Claim No. XXXX, dated XX/XX/2022 ) but not the third so another claim number ( XXXX ) was opened on XX/XX/2022. The representative informed me that I should receive a letter within XXXX days advising on the status of these claims. I never received a letter or letters confirming or advising on the status of these claims. 

Despite calls on XX/XX/2022 ; XX/XX/2022 ; and XX/XX/2022, I have yet to be able to obtain a status on these claims for fraudulent transfers. I have waited, at times, over an hour on the bank 's online services phone line without ever reaching any representative. I can only call since there are no Citizens bank branches in XXXX, where I reside.
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MO)

I spoke with XXXX around XXXX XXXX central standard time, and requested this account XXXX be placed in dispute status pending further investigation into unlawful charges by XXXX XXXX XXXX XXXX under section 201 ( b ) of the 1934 Communications Act that makes this unlawful for a common carrier. Your attempt to collect this debt is being reported to CFPB, I request arbitration with XXXX in the amount of {$10000.00} for this matter. You have ruined my credit report by preventing a low income individual, and minority business from obtaining, and securing funds needed to maintain business overhead cost. Under the commissions rules I can pursue action with the FCC, or in district federal court to collect damages to my small business. I signed up for a {$99.00} promotion, and agreed to pay {$52.00} per month, yet my initial bill was around {$600.00} plus. Furthermore after one month you add a disconnection fee of {$600.00}, when I should only owe {$150.00} plus tax for the first month. You have unlawfully breached my contract by cramming additional charges onto my XXXX XXXX XXXX XXXX account.
Consumer complaint received 2022-03-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (IL)

On XX/XX/2022, at XXXX central, I received a call from XXXX XXXX at Guaranteed Rate Inc. regarding my mortgage application. Of the questions he asked me was about my health. I had taken 2 paid short term disability benefit leave of absences from work for reasons he did not need to know about, but he asked me about why I went on these leaves and if they were for related or the same illness. He stated that underwriting for the IDHA ( Illinois Housing Development Authority ) wanted to know. I thought this was very inappropriate and his tone of voice for this whole conversation was very condescending, and I tried to end the call as soon as possible. I will not be going with this lender for my loan, IDHA or otherwise, because of this discriminatory questioning.
Consumer complaint received 2021-04-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

XXXX XXXX XXXX was helping me with my bankruptcy. Once we finished with the payments to the trustee. the mortgage bank told me i was behind over XXXX dollars. The bankruptcy is for me to start on a XXXX balance. The lawyer that is in communication with the bank said that the bank should of sent me info on that. which is not true he is in direct contact with them. Ive told him that the law firm has many lawyers and helpers that the during this process that it was done correctly. im asking to reopen my case to have it filed correctly since it is their negligence that im in this situation. The lawyers said that it is the banks fault when he is the one to talk to them on my behave. Thats the services i paid for and are not defaulting on me and they are not taking any responsibility.
Consumer complaint received 2018-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-04-18
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX/EQUIFAX/TRANSUNION XXXX : XXXX BANK XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 
1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CR 2 ) I AM IN A SETTLEMENT AGREEMENT AND HAVE BEEN MAKING MY PAYMENTS AND THEY ARE NOT REPORTING THIS FACT AS THEY ARE LAWFULLY REQUIRED TO DO PER THE NEW LAW STATED HERE FOR YOU " : Under the settlement, credit reporting agencies must require collection agencies that report data to " regularly reconcile '' information about accounts that haven't been paid in full. If they don't? The agreement says, " This regular reconciliation will be accomplished, in part, by periodic removal or suppression of all collection accounts that have not been updated by the Collection Furnisher within the last six months. '' In other words, if a consumer has been making payments but the collection agency fails to update the account for at least six months, the account will either have to be removed or "  suppressed, '' which means it won't be shown to companies that order the report, and won't be used to calculate a credit score. '' I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

I respectfully request to be provided proof of this DISPUTE. item THE ITEM must be deleted from the report as soon as possible : CREDITOR AGENCY, acct. XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-07-23
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. (TX)

was trying to purchase a home and pulled my score. notice some hard inquirieXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-28
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is XXXX XXXX XXXX and I am sending this complaint to address the incorrect items on my account. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was TransUnion incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. Have these following items be removed accordingly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX : {$120.00} XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-03-02
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)

This is XXXX XXXX XXXX and I am sending this complaint to address the incorrect items on my account. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was Experian incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. Have these following items be removed accordingly XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of XXXX
Consumer complaint received 2022-03-02
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. (SC)

I have requested multiple times the deletions of the following items on my credit report because of inaccuracies and missing information : XXXX  Account # : XXXX Balance : {$410.00} XXXX XXXX Account # : XXXX Balance : {$1000.00} XXXX XXXX Account # : XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$520.00} XXXX XXXX Account # : XXXX Balance : {$0.00} XXXX XXXX ( XXXX ) Account # : XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$3800.00} My rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus regarding my disputes and I have sent dispute letters for more than a YEAR at this point.
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (AL)

Where we're any of my payments applied to my balance? I only borrowed {$930.00} dollars total with a 15 % dispersion fee making my highest balance should have been. {$1000.00} with ( add you payments up here. ) in payments made and and still had a balance of {$1100.00} until I paid it off today.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (CA)

In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate XXXX Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. 

When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. Others had been closed. The following are the fraudulent debts that appear on my credit report : Bridgecrest Credit Company , LLC ( opened XX/XX/XXXX ) for {$15000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX ) for {$2400.00} XXXX XXXX  ( opened XX/XX/XXXX ) for {$550.00} XXXX XXXX XXXX ( opened XX/XX/XXXX ) for {$300.00} XXXX XXXX XXXX  XXXX ( opened XX/XX/XXXX ) {$1000.00} XXXX XXXX ( opened XX/XX/XXXX ) for {$700.00} XXXX ( opened XX/XX/XXXX ) for {$600.00} XXXX  XXXX ( opened XX/XX/XXXX ) for {$1000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX for {$4800.00} XXXX  ( XX/XX/XXXX ) for {$2000.00} I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that the fraudulent charges I contested had been verified by them as charges made by me. 

However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. 

While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.
Consumer complaint received 2021-06-02
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 have openly announced to your company that there is an error on my credit report. You have constantly ignored my request to remove the item. I refuse to let your inability to look into this matter cause me to stress and struggle to get financing. Today I demand you do something about it. I have contacted my lawyer and I will seek litigation if I need to. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
COPY OF FTC REPORT IS LOCATED INSIDE.
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC (TX)

Calls have began on my work phone number from people trying to collect from me and I have no idea what for. They say it may be for furniture or a pet. They are telling me that it is on my credit report, but no such things are on my credit report and i have not purchased a pet or furniture. Now they are contacting my co workers asking for me s well. I need this to stop. The phone numbers are XXXX and XXXX. They are calling my job all day long and when they do not get me on the line, they continue to probe others for my information.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION (TX)

I purchase a car with 2 debit cards one didnt have enough money on one them to complete the transaction and the other made the difference when I Disputed the transaction it did not go through the investigator stated not enough documentation on the second debit card  after I contacted the bank about the amount I wanted to dispute on the transaction 2nd time and I did not have a problem with XXXX  XXXX XXXX they returned the bulk of money owed after investigation {$5600.00} but Regions Bank would not return my money to my account after I disputed it 2 times {$1000.00} they needed more proof the proof is a receipt that I paid and the car was returned to the dealer and I wanted my money refunded back Regions investigator claim not enough documentation so it would not be lot Of documentation because I paid right then and the next day disputed this transaction because of fraudulent practices and charges on my card By this car dealership and the vehicle was not working I dont believe anyone should have your money and what you purchase too violates your right as a consumer also I believe the debit card fee should be fair after return of purchase
Consumer complaint received 2018-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I am receiving a Debt collection notice, when my employer was suppose to cover my medical visit under workers compensation. They have yet to pay it and I keep getting harassed about it, when I have explained to the company multiple times it was under workers compensation and they said they would contact them to have it taken care of. The business is XXXX XXXX in XXXX, Pennsylvania.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (WI)

On XXXX XXXX, I attempted to use my personal credit card for an online purchase. It was not honored by XXXX XXXX XXXX. I had sent the payment by mail and it did not arrive by the due date. Without warning, they suspended my card and dishonored any charges. 

I called them today, XXXX, and they refused to reinstate the card unless I made a minimum payment by phone, which I did. Then they told me the card would not be reinstated for another 24 hours. 

When I said I was going to complain to the Consumer Financial Protection Bureau, they agreed to waive the late charge and interest on the account. They claimed they did not know the name of the federal agency which regulates credit cards and they had no information on how to contact you. 

I pay the entire balance due every month. I do not believe I have ever paid this card late, although I am not sure of that. I have an excellent credit score. This has not ever happened to me with any of my personal or business credit cards. 

XXXX XXXX XXXX sent me an email on XX/XX/XXXX, titled " a friendly reminder ... '' that my payment was overdue. It did not say anything, whatsoever, about shutting down the account. 

I accept the fact that I would be charged a late fee but I was not advised that they would stop honoring charges on the card. As a consumer I was not advised or warned that this would happen. There should have been a warning, either in the " friendly reminder '' email, or in some other way. 

I am complaining about this policy and the lack of notice which induced me to take no action as my payment in full was already mailed.