davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION (GA)

We have been harassed by phone calls from Regions Bank Collection department in regards to closing our accounts. We sent a letter on XX/XX/XXXX to XXXX XXXX, Quality Performance Management with return of both ATM cards stopping all bill payments and all automatic merchants ' debits from our accounts, and ask the account to be close. This bank has called us over a half dozen times stating that we owe them {$140.00} in fees. We owe them nothing, they took close to {$400.00} out of our direct deposit because they failed to place a stop payment on XX/XX/XXXX, and did not perform the transaction until 10-12 days later. A stop payment request should have been done no more than 3-4 days according to their bank policy. They charge us fees after fees, returned some payments when the account went in total disarray because of their negligence. Now they are threatening us with collection for bank fees and keeps on calling us by phone, sometimes 2-3 times a day each week.
Consumer complaint received 2022-11-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

ALLY FINANCIAL ACCT XXXX XXXXXXXX XXXX  XXXX, XXXX, XXXX, XXXX TAX FOR XXXX ) Breach of trust {$500000.00} liability XXXX XXXX. subsection c laundering of money under XXXX XXXX, civil rights act XXXX, and trespassing. 
according to ( XXXX XXXX XXXX ) states : Any person who willfully attempts in any manner to evade or defeat any tax imposed by this title or the payment thereof shall, in addition to other penalties provided by law, be guilty of a felony and, upon conviction thereof, shall be fined not more than {$100000.00} ( {$500000.00} in the case of a corporation ), or imprisoned not more than 5 years, or both, together with the costs of prosecution. 
Tax owed by taxpayer {$38000.00} USD for constitutional violation acting in their personal capacity for violation against a flesh and blood man/woman, malicious prosecution based upon fraud, deception on bonds, XXXX, XXXX, XXXX Original issue discount Forms XXXX violation of XXXX, XXXX civil rights Acts. stealing XXXX funding 40 % of taxpayer money and putting it in a private XXXXXXXX XXXX and XXXX. 
The tax forms XXXX, XXXX, XXXX, and XXXX, were filed with the IRS on XX/XX/XXXX. 
Also, I have them mailed out a check for full payment of {$38000.00} to ally that was delivered to the on XXXX XXXX at XXXX pm After all, the discharge has been refused I then exercise my private right to rescind the transaction on XX/XX/XXXX, XXXX via overnight mail. XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ] - right to rescind the contract On XX/XX/XXXX Ally financial without notice unlawfully stole my automobile from the parking lot at XXXX XXXX XXXX XXXX, XXXX Florida XXXX [ XXXX ].
Consumer complaint received 2022-08-11
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. (CA)

Several Hard Inquiries listed on my report that do not belong to me XXXX, XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-02-19
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: ALLY FINANCIAL INC. (IL)

I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
XXXX XXXX XX/XX/16 Ally XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XXXX XXXX XXXX   XX/XX/16
Consumer complaint received 2018-02-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (LA)

I refinanced with Quicken Loans in XX/XX/2014. The reason I refinanced was to remove my husbands name from the deed of my home. I was thinking about filing for divorce as it was discovered my husband had cheated on me, but was still unsure. Quicken Loans told me that the easiest and fastest way to remove the name is refinance and they will have the other party sign a Removal Request form during the closing. They stated that this is something they do all the time and it shouldn't be a problem. They informed us that the documents that needed to be signed by my husband would be included in the closing documents that the notary person they were sending to the home would have at closing. My husband was present at the closing and explained every detail. Before signing the document he asked the notary that was sent to the home by Quicken Loans to confirm again that the document provided by Quicken Loans would remove him from the deed the notary confirmed with us both that yes he would be removed. My husband signed the document and was provided a copy of the closing documents which included the form for his records. Fast forward 3 years later after speaking with my lawyer regarding a different matter it was discovered that my husband was never removed from the deed, which was supposed to be done by Quicken Loans. He is now deceased and they are telling me its nothing that they can do. I have the signed document that was notarized during closing with the request to be removed from the deed. They are telling me they are sorry for the issue, but not doing anything about it. I had a 20 year mortgage with 18 years left before the refinance so why would I go to a 30 year mortgage, roll over {$5000.00} closing cost into the mortgage for a {$100.00} cheaper note? I asked the Quicken Loans Rep why would I refinance for nothing? The signed document provided by Quicken Loans states what was supposed to be done. The Quicken Loans Rep couldn't answer the question. We were misled by Quicken Loans and told anything just to get the refinance.
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate under the name XXXX XXXX. Whereas I believe them to be a debt buyer, PORTFOLIO XXXX XXXX, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, correspondence, and financial and corporate records that pertain to accounts XXXX, XXXX, XXXX ON THE PRIVATE AND PUBLIC SIDE. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Consumer complaint received 2021-12-01
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 — Investigation took more than 30 days
Company: PNC Bank N.A. (NY)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2024-03-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A. (CO)

I received a letter in the mail on XX/XX/year> saying I Was turned down for a loan I DID NOT APPLY FOR. They rain my credit without my authorization and it caused my score to droop below XXXX for the first time in a LONG time. I called and chatted with them and they basically said to go away, didn't want to help. Citibank reference # XXXX. The website when I went to log in said they even if I HAD tried applying there was no credit pull but I NEVER EVER EVER ALLOWED THEM TO RUN MY CREDIT nor did I apply for a loan. 

I want to sure them if I can for damages under the FCRA.
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Back in XXXX I noticed All XXXX Credit Bureaus that Ive been a victim of identity theft. A fraud alert was requested at that time. As of now it seems as nothing was done. Its still multiple fraudulent accounts, address & inquiries on my files. 

The Following Address need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX XXXX Ct 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 The Following inquiries XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The following accounts are fraudulent, per FCRA XXXX. But for some reason they keep saying its been verified. How was is verified. Because Ive never done business with these companies, or entered into a written contract. So please tell me how are you verifying this. Ive sent multiple FTC reports. Per the Federal government thats what I was told to do. No one can over ride federal law. Please Block these fraudulent accounts from my credit file 1 XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX Acct # XXXX 5XXXX XXXX XXXX Acct # XXXX 6.CreditACPT acct # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I carry a Chase Freedom Unlimited credit card and I noticed two suspicious charges to the same merchant in XX/XX/XXXX which I promptly disputed with Chase. The merchant name is XXXX XXXX XXXX XXXX ( in XXXX Oklahoma ). The transactions were {$6100.00} on XX/XX/XXXX and {$570.00} on XX/XX/XXXX. I recently received a letter from Chase dated XX/XX/XXXX ( yes, two months after the dispute ) that these charges were reinstated to my account with the reason being " You received benefit from this transaction. '' I have not attempted to contact the merchant to resolve b/c I presumed Chase would perform their due diligence under the cardholder agreement and properly resolve the dispute, but that has not been the case. I haven't been to Oklahoma in a quarter of a century, nor have I browsed this merchant 's website or submitted an order by phone, and I certainly have not received any merchandise from them. I have been a Chase customer for 16 years and have been faithful and honest in all my transactions and it is very upsetting that they would not at least contact me during their so called investigation of the dispute to discuss the transactions. I submitted a simple one page form on XX/XX/XXXX providing Chase a brief description of the dispute but heard nothing from them subsequent to that form being emailed to them. There's no doubt that these charges are fraudulent and I'm at my wits end with getting them resolved through Chase, who should be primarily responsible for protecting the account. Chase has not provided any evidence supporting their decision.
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau [ Address ] [ City, State, Zip Code ] Subject : Violation of Consumer Rights by Collection Agency Dear Sir/Madam, I am writing to bring to your attention a serious issue regarding a collection placed on my consumer report by [ Collection Agency Name ]. Despite repeated attempts to obtain validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide any such validation.

Furthermore, I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( D ). This lack of due process directly violates my consumer rights and places me at a significant disadvantage. 

It is evident that [ Collection Agency Name ] is engaging in deceptive and misleading practices by reporting this collection without providing the necessary disclosures required by law. Their actions are in direct violation of 12 CFR 1006.34 and 16 USC 1681-S, which clearly outline the obligations of collection agencies regarding consumer reporting. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against [ Collection Agency Name ] for their blatant disregard of consumer rights. Additionally, I request assistance in rectifying this erroneous collection from my consumer report and preventing any further harm to my financial standing. 

Enclosed with this letter are copies of relevant documentation supporting my claims. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address this violation and ensure that consumers are protected from such unlawful practices.
Consumer complaint received 2021-09-05
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)

Someone has turned my life upside down by stealing my identity there are fraudulent names, addresses, accounts, and worst of all an astronomical amount of inquiries I have requested that the credit bureau 's remove these fraudulent inquiries back on XX/XX/2021 and as of today they continue to report on my credit report. Fixing these issues with my credit feels like a part time job and I already have two jobs and I am a single mother of XXXX. I need the credit bureau 's to take this matter as seriously as I am. Please see the attached identity theft affidavit I have been in contact with XXXXPD in regards to the theft they are just waiting on me to bring some supporting documentation from the creditors so my report is not vague and lead to an actual investigation.
Consumer complaint received 2021-09-05
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: National Credit Adjusters, LLC (NV)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Consumer complaint received 2021-09-05
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 (MD)

On XX/XX/XXXX, I saw a promotion offer when I searched for tickets on XXXX, saying that I can earn {$200.00} statement credit and XXXX bonus miles after satisfying the spending requirements. I was happy that AmEx gave this offer to me. I applied for it and got approved. There is no pop-up window during my application. 
However, when I almost finished the spending amount, I asked the representatives about the offer status via online chat. They told me that I was denied for that offer. They insisted there was a pop-up window. I can be definitely sure no pop-up windows. On the other hand, I called the customer service they told me it is tracked and asked me to continue spending. It is so confusing. And I finish the spending amount, but no bonus came to my account. I was fooled. 
I also tried to create a case via calling, but no response. So I am now complaining here. Currently, I have screenshots of the offer I saw, the phone recording when I called the customer service telling me that the offer is tracked. I also found some alliances on this website XXXX XXXX XXXX. They all encountered similar issues. If my issue can not be fixed, I may have to report to the Office of the Commissioner of Financial Regulation and unify other victims to fight against AmEx.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a debt of {$660.00} to the credit bureaus. This debt originated from XXXX XXXX. I never received ANY form of communication from XXXX XXXX about attempting to collect this debt. I called them today XX/XX/XXXX to resolve the matter. I waited this long hoping would receive some form of communication. When I contacted them, they tyold me my case was being handled by another agency. So they NEVER contacted me, reported it to the credit bureau and sent it to someone else. I contacted that company : XXXX XXXX XXXX. They were very helpful in letting me know I could pay in full or pay half to settle. I wanted it removed from my credit report since I was NOT contacted AT ALL. They informed that only XXXX XXXX could remove it. I called XXXX back and they said NO. They told me they do not have to contact me at all and they can report it at any time. This gave me no opportunity to resolve the matter before it going on my credit report.
Consumer complaint received 2018-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a credit validation letters to XXXX  and Experian to validate accounts I was not aware of. I sent one letter in XXXX and received a response via mail stating the information was verified as accurate therefore ; I sent a follow up letter in XXXX in response to the first letter requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Once again I received another response dated XX/XX/XXXX stating this information was verified as accurate and not providing the information requested as asked. Under the FCRA 611 ( 15 U.S.C. 1681I ) this information must be documented and accurately verified or deleted within 30 days however, the 30 days as passed. 

I am disappointed that XXXX  and Experian has failed to maintain reasonable procedures to assure complete accuracy in the information they publish, and insist this company comply with the law by removing these unverified accounts from my credit report within the 15 days. Thanks! 

Unverified Accounts on XXXX  XX/XX/XXXX Acct # XXXX XXXX  XX/XX/XXXX Acct # XXXX XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX   Unverified Accounts on Experian XX/XX/XXXX Acct # XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

l live in XXXX, FL where Hurricane Irma impacted the area on XX/XX/XXXX. My home took significant damage and I had a sizable deductible on my policy for the damages. I contacted my mortgage company, XXXX XXXX XXXX XXXX, on XX/XX/XXXX and was told that I would qualify for the 3 month forbearance for the months of XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX I called my 'relationship manager ' at US Bank and was told that if I completed a Uniform Borrowers Assistance application and myriad other documents and submitted them through XXXX and also sent them to US Bank ( via email ), I would qualify for a deferment plan and the three months mortgage payments would be moved to the end of my loan. I submitted all the requested documents on XX/XX/XXXX and US Bank and XXXX both acknowledged receipt of the necessary documentation. A week or so later I spoke to my relationship manger at US Bank and she informed me that there was no deferment program, that my loan could not be modified and that on XX/XX/XXXX three months payment were due. On XX/XX/XXXX I submitted a complaint and hardship letter to a special email address at US Bank ( XXXX ), which I received from them in a letter. In my communication I made clear that I was told by the relationship manger that I would qualify for the deferment plan if I completed and submitted the aforementioned forms. 

I received a formal response from US Bank 's Customer Advocacy Representative dated XX/XX/XXXX. In the letter they stated that " ... the representative you spoke to on XX/XX/XXXX informed me that the forbearance plan was not a deferment and that a deferment was not an option for my account ... '' During my many discussions with the relationship manager and other customer representatives I always asked for a written confirmation of the deferment and was consistently told we do not confirm in writing, but we will make a notation on your account. 

The Bank has since extended the deferment thru XX/XX/XXXX, and on XX/XX/XXXX I will owe for four months. Monthly payment is {$1600.00}. The Bank has reneged on the promise to modify my mortgage, denied they ever infomed me of this and will not work with me to resolve their error.
Consumer complaint received 2022-05-01
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.