davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: REGIONS FINANCIAL CORPORATION (MO)

On XX/XX/year>, I attempted to send a {$500.00} payment to a merchant on XXXX using my Regions Bank card. The transaction failed with a try again later message. I attempted to send the {$500.00} payment again and it went through. Later that day, I checked my Regions bank statement and noticed that I had two transactions pending for {$500.00} to the merchant I was paying. I assumed one of the transactions would fall off since XXXX gave me the error message stating that the transaction failed and couldnt be processed. Days went by and the second transaction never fell off, Regions Bank had approved both {$500.00} transactions and sent the money to XXXX twice. Ive been in touch with the merchant as they are a close friend of mine and they have said they only received my payment once and in fact, my XXXX transaction history only shows one outgoing payment to the merchant for {$500.00}. I have filed multiple claims with Regions bank stating that I did not authorize the payment to go through twice and have been declined the credit back to my account each time because Regions states that the transaction was authorized and that XXXX received the money twice. I have also filed claims with XXXX multiple times stating to them that Regions bank states that they sent XXXX and XXXX has received two separate transactions for {$500.00} each but XXXX has denied each of my claims stating that only one transaction was processed, the other failed to process and that they only received one payment for {$500.00}.
Consumer complaint received 2023-07-07
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTGATION RESULTS.
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just got my XXXX Credit Reportand noticed bills for XXXX loans that have been sent to collections. When the losns were paid out I was not even in XXXX because I was XXXX. I only attended XXXX XXXX before I was XXXX and I was told that I never receives a disbursement. What can I do about this? I do not see this as fair at all and it looks lioke a huge ding on my report. I believe that this should be definitely removed from my record.
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (FL)

Affirm Inc. has reported 13 loans delinquent and I do no recognize any of them. I contacted Affirm on XX/XX/XXXX  and advised affirm that my identity must have been stolen. I escalated and asked that they remove the delinquent reporting. Affirm indicated that this is indeed my account and they will not be able to do anything and they will continue to report on my account. I then asked Affirm can I just make a payment plan. Affirm reps indicated that they can not help or have me make any payment and they will just continue to report to the credit bureau despite me asking for help. This has prevented me from purchasing a home. I do not recognize any of this and asked for help. Affirm refused and I do not have access to make a payment on the website after I created an account to have a payment made. The accounts are listed as charged off but When I call Affirm, they state that they can not help me at all. I called once again on XXXXXXXX  and tried again to pay and they stated that they can not help me at all. I need this company to remove these debts and try to do right by me. I spoke with supervisor XXXX XXXX and he stated that he will put in a request to verify the fraudulent activity but there is nothing that can be done as this does not make sense.
Consumer complaint received 2016-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Experian Information Solutions Inc. (NC)

Student loans being reported by XXXX XXXX, XXXX, XXXX XXXX XXXX and Department of Education. XXXX XXXX, XXXX, XXXX XXXX, and Department of Education. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 
Although I am attaching only my XXXX Credit report this affects all credit bureaus. 
I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NJ)

Jefferson capital calls me every single day. I answer and no one is in the line. Finally I was called today and spoke to someone. I told the person multiple times that I do not consent to be recorded. Furthermore, I requested a letter in the amount of debt they claim I own. In addition, I told them that i was at work and it was not a good time to be called. The individual told me XXXX times on the phone at approximately XXXX XXXX ( Mountain time ) on XXXX XXXX, that he will be marking me down on my credit report that I wont be paying the debt. This is threatening dergoatory information on my credit report.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

Since the equifax breach I have been unable to work. My computers have been hacked into as well as my entire neighborhood. I have been accused of the data breach and without employment I am no longer to provided for my family.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

on XX/XX/2020 i sent out a dispute letters about incorrect persoanl info on my credit report and on XX/XX/2020 a 60 day no response letter with no prevail of a response. I also sent dipute letters on XX/XX/2020 about some accounts that are not mine and need to be validated. and they have not responded for that either
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There's 2 accounts on my report showing a violation. The statute of limitations has expired. Listed below are the accounts XXXX/XXXX XXXX OPEN DATE XX/XX/2012 {$2400.00} XXXX/XXXX  XXXX OPEN DATE XX/XX/2012 {$2900.00}
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (TN)

I saw a charge of {$29.00} on my checking account from Experian Credit Check Total. Experian offered to allow me to view my credit score for XXXX Dollar. I used my bank debit card for a one time only view of my credit score. It did not state, where it could be clearly seen that my debit card would be charged {$29.00} nor did they give a good phone number where the Credit Check Total could be cancelled. Instead I was charged for {$29.00}. I called Experian talked to a supervisor, XXXX to request a refund I was given an email address, that did not work.
Consumer complaint received 2015-06-15
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Enterprise Systems, Inc. (MO)

XXXX called my work and told my fellow employee, after he was told I was not there and that I can not take personal phone calls at work, that our corporate office had given him the number. I called and verified that our corporate office did not give him my work number. He called again a day or two later and asked for me even after he had been told I can not accept persona phone calls at work when he had called before. He was told I was in assisting with a XXXX and could not come to the phone. He then proceeded to ask my fellow employee if I could just come to the phone for a min. I was in a XXXX and my boss was appalled by his request. He then proceeded to lie and say that my dad had given him my work number as a contact number. My father said he never has given my work number out to anyone ever. This company is putting my job on the line and not following proper debt collection rules.
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (TN)

Sun Trust Bank has been charging my account for seven years XXXX dollars ( XXXX $ ) every month for not having XXXX XXXX as a balance. I would never have agreed to that as I sold my home in 2008, and worked through most of my savings, when I moved from XXXX to XXXX. 

I have not had XXXX XXXX more than two or three months of that whole time.. and want the bank to return that fee for using their bank .... as it adds up to about a XXXX over five or more years. 

I told their bank to stop sending me paper statements, and I would l look online and never saw the fee online.. soo when I saw it the other day, and asked they told me that was the reason that I explained above. I think they had added it when I first deposited the amount from the sell of my home? I think if they see a customer has for years? Or months? have not ever had a XXXX XXXX dollar balance, and they keep charging that, it is unconscionable. 
I do plan to hopefully sell some property in the future, and if I do, i will not deposit that money in this bank, due to the loss of any trust that they watch out for their customers.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (CT)

I used a textbook company called XXXX to sell textbooks. They would only pay the funds back through American Express Serve. I cashed all the money and have been trying to shut down the account. It is next to impossible to do this. There is no easy way to cancel the account on line. When I call, I get transferred to an " Account Specialist '' and I have been on hold for over 10 minutes and twice, the line goes dead. Obviously they do not want me to close the account!
Consumer complaint received 2022-09-06
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. (TX)

The following accounts opened in my name where not made by me Accounts : XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-09-06
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)

The following accounts opened in my name where not made by me Accounts : XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

I have several cashback offers applied to 3 of my Amex cards, all of a sudden this week American Express is having issues properly credited my account for what is owed. Concurrently, there is one particular offer for a XXXX XXXX they are claiming I made too late. The offer expired on XX/XX/XXXX. I made the purchase on XX/XX/XXXX, well before the expiration of the offer. XXXX hit my card and it appeared as pending on that date, then the charge disappeared from my account, then reappeared on XXXX, a full 5 days AFTER I received the order. This is a gimmick and game being played to avoid paying the commission. I am owed 10 % of that purchase. I followed the rules. Additionally, there are 3 other cashback offers that Amex all of a sudden is having issues with properly crediting
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I have been disputing and sending letters to the credit bureaus about the inaccurate information they are reporting on my credit file The credit bureaus automative verification has damaged my credit everytime i dispute and show proof the or ask them to show proof of there method because i have consumer rights but they violate them.
Consumer complaint received 2021-04-29
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. (NC)

XXXX XXXX and Experian have been reporting inaccurate information and under the fair reporting act this account needs to be deleted from my report. I printed a side by side Bureau from XXXX XXXX and Experian and they all have differces. My rights have been violated and I plan to file with the states attorney and than with the XXXX XXXX XXXX if this account isnt removed immediately!
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Guild Holdings Company (MA)

On XX/XX/XXXX, i made the 1st payment on guild mortgage webpage for the monthly payment of XXXX, XXXX. There has been issues so the online payment couldn't go through, i called and made the 2nd payment over on the phone, the payment went through immediately and posted to my bank account. Shortly, the 1st payment was also posted on my bank account, thus i was double-billed on XX/XX/XXXX mortgage. I called customer care and they have requested proof of me paying on both attempts. i sent the screen capture of my banc account, GUILD mortgage said they will issue a check to refund. 2-week after the conversation, yet to receive the check. I called and they said the check was never cut. Thus i disputed the second payment with my bank account, XXXX XXXXXXXX. It was concerning that the mortgage company was supposed to issue refund within 2-week timeline but they never did. Instead, they keep posting charges on my XXXX mortgage, where it should be roll-over from the XXXX duplicated bill. They end up giving me penalty on my credits due to XXXX late payment, while i was under the impression the roll-over from XX/XX/XXXX would have paid my XXXX XXXX monthly mortgage.
Consumer complaint received 2022-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (FL)

XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (OR)

My current mortgage company ( Dovenmuehle Mortgage ) is holding way too much money in my escrow account and is giving me the run around on running an analysis and refunding the overage. Our current escrow balance is over {$8500.00} and they 're continuing to take out {$610.00} per month towards our escrow account. Our taxes and insurance are n't due until XXXX 2017 and total {$6700.00} for taxes and {$600.00} for insurance. They 're collecting enough each month to pay for both by XXXX, yet wo n't refund us the huge overage. We 've called and faxed and written them several times over the past two months and still nothing. Can you help?
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both TransUnion and XXXX XXXX were no successful resolution. TransUnion only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018
Consumer complaint received 2016-05-05
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

Someone created a secondary bank account in my PayPal account. For nearly a year and a half, this person has been syphoning money in small increments to avoid detection from my PayPal account to his/her XXXX account for a total of XXXX dollars. I attempted to resolve it with PayPal and after offering to tally up the total and refund the money, they called days later revoking that offer and giving me XXXX dollars saying that LEGALLY they could only go back six months. I was legally advised to contact you all in order to weigh my options on how to get my money back. I 'm a XXXX that was heavily affected by this robbery, so please help in any way you can.
Consumer complaint received 2015-07-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

I financed a car from Santander XXXX : XX/XX/XXXX Chevy Cobalt in XX/XX/XXXX for $ XXXX 19 %. I currently owe $ XXXX two years later. XXXX late payment. The car is worth {$4000.00} can not trade in too much negative equity. I have request an adjustment in loan and they said no.
Consumer complaint received 2016-06-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I have been paying {$540.00} a month for a car XXXX XXXX XXXX 2014 my Apr is 18.10 % for 72 month for over two years since I bought the car. Something wrong with the calculation. From my under standing 18.10 Apr is way lower from what I remember. Cash down payment is {$4000.00} plus rebate {$2000.00} monthly is {$440.00} not {$540.00}. Please help. I also demand a copy of all documents I mean all even a receipt of my down payment they have nothing to give me.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/2022 at XXXX received missed call from USAA On XX/XX/2022 at XXXX returned call to USAA operator informed me that USAA was closing my account due to an event occurred 6 months prior. I had no problem with terminating business with USAA. 
Afterwards I tried to move my founds to my other Financial Institution and I wasn't even able to log in to my account. 
On XX/XX/2022 at XXXX called back to USAA and talked to XXXX XXXX ( XXXX at XXXX Department ). I told her USAA closed my account and illegally withhold my founds including my XXXX Pay that I need for my monthly bills. She informed me I would received a check within " '' ' '' '60 DAYS!!!!!!!! ' '' '' and that they wouldn't change their mind or was anything else she could do to help me access MY MONEY, then she proceed to hang up on me. 
As I already said I am completely fine terminating my XXXX years with USAA but I am not ok with USAA withholding my founds without previous warning or opportunity to move my founds and putting my credit and whole financial situation in jeopardy. I do not have any overdrafts or delinquencies to justify holding my money and it is illegal to appropriate my founds and play with them for 60 days. I need my bills paid now and that is my money.