davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

My issue is with Truist Bank I have been banking with them since XXXX. I have made regular transactions on this account. However after receiving a check in mail from paying off car loan. I mobile deposit the check over XXXX XXXX dollars and it was held. I reached out to truist regarding the error. I was sent XXXX checks. XXXX was reversed due to me reaching out about not receiving the first XXXX. Initially they stop payment of the first one because I told them I never received it. I end up receiving XXXX with error and received the correct check after and was able to deposit it to Truist. After clearing up the error with the first check I was told not to worry because the second check would not have any problems. I was told there was just going to be a regular hold on it. XX/XX/XXXX I reached out regarding overdraft fee and was then told it would be waived. I never received the waived fee until XX/XX/XXXX and entire year later. However the entire year the money has been in the account and Truist continues to charge {$5.00} maintenance fee each and every month. I went into the Bank XX/XX/XXXX to figure out what I need to do to have my money available to me outside of Truist constantly charging the account and closing my card but not the account. The XXXX tried assisting me by opening up a new account however, whomever she was messaging over the computer stated I need to provide proof that the check will not return. Its been an entire year and the check has not returned or anything obviously if its still in the account. I have showed ID, I have showed proof of calls and contacts of the family I sold the car too but still no reason on why Truist wont release the funds. I then reached out to Truist fraud department after receiving a card to the account in the mail XX/XX/XXXX due to the card not being activated or being able to use it. The representative stated he wasnt sure why it dont work after attempting to activate it. He then said I couldnt speak to anyone but a physical banker which I have done several times prior to receiving the card in the mail. It is once again going on year XXXX of my money being held in an account I can not do anything with. I cant close it, I cant make transfers, I cant get a card, they wont close the account and send a check or anything. I have been told they will eventually close the account and send a check after it hasnt been touch for year and that has yet to happen. Truist Bank however has received constant maintenance fees on an account I havent used in almost XXXX years. I want the account closed and a check mailed to me. I no longer have to do business with Truist Bank.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Midwest Loan Services, Inc. (CA)

In the begininning of XXXX 2022 i made a payment on the online portal because this bank ( Midwest Loan Services ) doesn't send out statements or email notices regarding payments. I was given a confirmation that the payment went through however it never posted to my account but i never received a call or notice that the payment wasn't received. On XX/XX/XXXX i made an additional payment for the payment which was due on XX/XX/XXXX. i thought i was making the payment for XXXX but it was posting as the payment that they never received in their system for XXXX. on XX/XX/XXXX i called in because i went to view my online account and it was showing 2 payments being due. I made the 2 payments over the phone with the rep and that's when i finally found out they were showing me as 30 days late which was not the case. They had an issue with their computer system and my payment never posted. They don't send statements or give any updates on email etc about the account so i was completely un aware that the account was showing delinquient. This was an issue on their end and never once have i missed a payment.
Consumer complaint received 2019-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TN)

1 ) Sold our home at XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX onXX/XX/2019 Regions Bank provided a XXXX balance letter in support of closing and then standard paperwork was sent to Regions Bank to close the HELOC. Regions failed to close the HELOC per standard industry procedure. 
2 ) In XX/XX/2019, an automated system within the loan department at Regions Bank charged the still open HELOC {$9100.00} for Hazard/Property Insurance on the property sold in XX/XX/2019. This charged was reversed the same day.

3 ) On XX/XX/2019, Regions charged the still open HELOC with a {$9200.00} and labelled it a Customer Service Adjustment.

4 ) In early XX/XX/2019, I spoke with a person in Regions loan department. They stated they had not received the documentation of sale and gave me a fax # to send it to. We complied that day. They still have not closed the HELOC and interest is accruing. 
5 ) On XX/XX/XXXX, I discovered the HELOC was still linked to our checking account for Overdraft Protection. While traveling overseas, I had mistimed a deposit of funds and credit card payment. XXXX Bank was alerted that the payment would be returned and to resend. Regions Overdraft Protection kicked in  the next day. It was repaid that day. 
6 ) Transaction Details Below. 
POSTING TRAN TRANSACTION REFERENCE AMOUNT DATE DATE DESCRIPTION NUMBER XX/XX/XXXX-XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXX XX/XX/19 XX/XX/19 HAZARD INSURANCE PLACED {$9200.00} CR XX/XX/19 XX/XX/19 PRINCIPAL ADJ DR {$9200.00} XX/XX/19 XX/XX/19 ADJ - L/C {$87.00} XX/XX/19 XX/XX/19 ADJ - PRIN {$100.00} CR XX/XX/19 XX/XX/19 ADJ - INT {$17.00} XX/XX/19 XX/XX/19CUSTOMER SERVICE ADJUSTMENT {$9200.00} XX/XX/19 XX/XX/19 ADJ - L/C {$87.00} XX/XX/19 XX/XX/19 ADJ - INT {$87.00} XX/XX/19 XX/XX/19 INTEREST CHARGE {$41.00} INTEREST CHARGE ON CASH ADVANCES The local branch has no authority to help in this matter as a the account in controlled within the loan department. I am retaining counsel but want the public to know that there is either a serious software issue within Regions, or outright fraud being perpetrated by internal employees.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

i deposited a check that was signed over to me from my dad into my chase account. i have deposited checks signed over to me from my dad like this like three or four times before, never had an issues from chase bank. check was on hold like it normally would. next day i tried to deposit cash in my account at the chase atm, it wouldn't take it. i called chase and the representative told me my account was restricted, and once the check i had deposited that my dad signed over to me cleared my account would go back to normal. 10 business days has passed the check has cleared. 3 days after the check cleared chase told me they closed my account. because they couldn't verify a check. this is the third or fourth check my dad has signed over to me in which i have always deposited into the same account. i pay all his bills and i take care of him he has no cell phone. i asked a local bank manager can we can come in a branch to show our government ID. the bank manager and the representative both told us that it wouldn't verify anything. The representative told me over the phone the bank cant send me the remaining balance of {$17000.00} that was in my account when they closed my account.and theres no other steps that can be taken.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$18000.00} Status Accou FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$18000.00} Status Accou FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

The complaint is about XXXX XXXX ( XXXX ). I received collection letter from Overton, russell XXXX XXXX on XX/XX/XXXX for a medical bill ( XXXX ) from XXXX XXXX from XX/XX/XXXX I was surprised to see it because I had never received any bill from XXXX. I made multiple attempts to reach XXXX billing department and finally was able to reach them at XXXX. After inquiring when I was sent a bill and to what address, I was told I was sent bills in XX/XX/XXXX. And the address it was sent to was wrong. After checking if any attempts of calls was made I did not get any affirmative response even though she confirmed they had my right phone number. 
This is 2nd time XXXX has made same mistake with my bill and I wonder how many more customers are facing the same with them. Due to the last mistake of theirs I had to pay .25 % more on my mortgage even though I had paid in full immediately I had seen the notice. I was told the record will not be on my credit but it was there when I started applying for mortgages. Since it was long time back, I let it go. I can not this time. I know for the fact that this is going to haunt me for another 10 years and I want XXXX to make financial adjustments to the loses I am bearing because of these mistakes of theirs.
Consumer complaint received 2022-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (IL)

To Whom It May Concern : After sending a letter to H & R Accounts via certified mail they responded with itemized statements from the hospital that clearly violated my HIPPA rights. The attorney I have spoken with advised me that a collection agency may have access to the amount owed and general medical billing codes regarding the hospital or physician 's office visit. They in no way shape or form should have received an itemized statement listing every diagnosis, procedure, medication, lab, or diagnostic test describing my visit. I was further advised that the legal procedure for this is for the collection agency to request that the hospital send the consumer the itemized statements but a collection agency legally should not have this information, to begin with, nonetheless mail the consumer a copy. This is a direct violation of my privacy and I am prepared to file a formal HIPAA violation complaint if remedied. I absolutely will not stand for my personal information being accessed by anyone other than my medical providers, especially without my permission or knowledge of them having it. All of the accounts placed with H & R Accounts are to be immediately removed from my credit profile and H & R Accounts shall cease all contact with me as well as any further attempts to collect these debts from me or I will immediately file a formal HIPAA complaint and will allow my attorney to start a civil lawsuit.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (OH)

I Have no knowledge of this account, XXXX XXXX XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (OR)

On XX/XX/2021, I signed up for Experian 's credit monitoring service for $ XXXX and was not allowed to dispute my credit information online. I tried to dispute online several ways, and was repeatedly given a message that Experian would not process online disputes, due to " security issues. '' I called Experian twice to request that they enable online dispute of incorrect credit information on my credit report, and both times their phone tree hung up on me. When I finally did reach a service representative, he did not know why Experian 's online dispute function was not working, and he had no interest in finding out. 

I believe that Experian has intentionally disabled its online dispute mechanism to cut down the number of disputes. I believe this because when I XXXX " why won't experian dispute online '' I found many comments from consumers who were frustrated with Experian 's refusal to allow online disputes. There are multiple errors in the personal information in my Experian credit report. With XXXX and XXXX, I was easily able to dispute information online. I am asking the CFPB to hold Experian accountable, and make it easy to dispute information online.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

, Account name : # XXXX acct. XXXX Account name # XXXX XXXX acct. XXXX XXXX # XXXX acct. XXXX Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-01-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

We requested Ocwen f/k/a Homeward Residential f/k/a American Home Mortgage Servicing , Inc. to update our property address on XXXX/XXXX/XXXX and they have not complied with our request. Our property address is still incorrect in their records and now Ocwen has told us they are unable to review our loan modification application for the Making Home Affordable program because the property address on our pay stubs does not match the property address in their records. Our pay stubs has our correct property address of XXXX XXXX XXXX, XXXX, TX XXXX. Ocwen has an incorrect property address for us as XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. 

Ocwen is also attempting to foreclose on our primary residence of XXXX XXXX XXXX, XXXX, TX XXXX, where we currently reside and occupy. We have resided at XXXX XXXX XXXX, XXXX, Tx XXXX for 10 1/2 years. Ocwen has our property address incorrectly as XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Ocwen no longer appears on my credit reports because the property address in their records does not match an address we have ever lived at. 

According to the Ocwen National Settlement agreement with the CFPB and the XXXX State Attorney General Offices, Ocwen is to take appropriate action to promptly remediate any inaccuracies in borrower 's account information. We requested to have our property address updated 7 years ago and our property address still has not been updated by Ocwen and now Ocwen is unable to review us for a loan modification because their files have an incorrect property address of XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. 

According to Ocwen, the foreclosure will be completely stopped once the account is approved for the loan modification. Ocwen wants to us provide XXXX financial statements valid within 30 days that confirm we occupy the property. Ocwen wants us to provide XXXX financial statements with an address that matches the inaccurate property address in their records of XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. We occupy XXXX XXXX XXXX, XXXX, Tx XXXX. We do not occupy XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, which is the property address that Ocwen has for us. Since we have never resided at XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, are unable to provide Ocwen the requested information to review us for the Making Home Affordable program. 

When Ocwen listed our property for foreclosure sale for XXXX XXXX, XXXX, the notice of foreclosure sale has a property address of XXXX XXXX XXXX XXXX, XXXX XXXX. 

According to Ocwen, there is no single investor of your loan. Our loan is supposedly one of many in a securitized investment trust. This securitized investment trust was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. I am not sure how Ocwen can legally update our property address at this point and time.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-06
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!